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Whilst this holds true for a savings account, it won't affect interest if it sits in an offset account effectively offsetting any incremental interest charge.

How often would it be logical to go back to your lender and refinance and draw down on any equity that you have in your property? I know it would be dependent on needs and theoretically could be done as often as you have sufficient equity, but for example, would it be silly to do so every 50k...