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As Terry said, the place where you will gain the best return for your savings is in the offset account. Have a look on Cannex and compare the interest you will receive from an online savings account such as Ubank for instance with your mortgage rate. I am sure the interest that you are being...

Hi Chloe, An offset account is a fantastic product! It enables you to put money into an account that can be used as a cash buffer, while saving you interest on your loan! I'd keep your offset and just train yourself not to use the savings you put into it - unless you have an emergency...