Hi. I want to refinance my IP, and was approved for CBA's Line of Credit. However, reading some of the posts in this forum, there's always mention to have an offset account instead because Tax declarations will be much cleaner. CBA has the MISA product which is basically an offset account. I've got the approval for Line of Credit. Though, I haven't signed anything yet. I'll ask my broker to change the application to MISA, but said that it'll be a new application. That's fine with me, as long as I get the loan structure right from the beginning. Is this a good move? Any other things I should be looking out for? Thanks.