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Baby Tess is in the works... couple of months to go still. Any particular reason you're not using those funds - or do you want to be able to sleep at night and know that your home is fully paid off? Still sounds like you have more money than you know what to do with... you could always...

I clicked on the link as I too have an offset account... I wish I had the same problem as you though! :D Have you considered buying an IP with your funds? what are the funds in the offset for?