its partial, that is 1.5%. either chuck your money in a term deposit, in redraw on the fixed rate (knowing you cant redraw it during the fixed rate period) or find a lender that offsets 100% of their fixed rate loan.
Interesting. thats outside of policy. Perhaps the branchie has reapplied for you using the salary deposits into the anz account? or perhaps it was simply an oversight.
Rolf you need to see a bridge engineer and buy some sturdy shoes.
Interesting with ANZ that if you had a broker friend who rewrote these loans they would get paid full upfront again, whereas a lot of other lenders only pay if there is an increase.