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If i wasnt looking to buy again/develop in 2-3 years then could i possibly just go with a fixed rate for that term then do a variable rate - offset after that?

Thats an awesome explanation. Thanks jamie. So with offset can you get the same rate as redraw?

Why would i do one over the other. What does each one achieve? Does it drive up the rate able to get if using one or the other. I still havnt been able to get my head around these. I learn best by an example and numbers. Thanks John