I don't have an offset account, unfortunately. I want to make sure I can make the repayments comfortably while travelling. If it breaks even with variable rates, I'm happy. If it's a bit more expensive (which is possible), I don't mind.
I'm thinking of it as insurance for my my peace of mind, and in case things do go pear shaped.
I'm thinking of it as insurance for my my peace of mind, and in case things do go pear shaped.