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Erko depending on how large your portfolio is it is definitely possible to get normal variable rates around that interest rate. So no need to pre-pay. Best to call few different banks and make them bid for your business. Some inconvenience but worth it if you are in it for the long term...

Keep some cash in your offset account just incase. I prefer to keep it less than 40% with some cash in offset. If you are buying individual shares then the LVR on each can be different, so don't assume it will be around 70%-75%. Some smaller companies shares can have LVR as low as 40%...