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Nope. First offset done in 2008 against ip 1. Second offset done in 2012 against ip2. And doesn't cost me anything for the 2nd offset. Fees were waived. Done thru a mb, who got it done through local anz branch where I was at that time. Both are anz one accounts

I have two offset accounts with anz and only pay one break free package. If u are setting up a new loan ask them if they can do a offset account for each property for free. Other banks will do multiple offsets like wide bay Australia and not charge extra. Worth a try.