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  1. J

    Macquarie increasing their savings rate from 4.50% to 4.75%

    @b%E1%BA%A1ch0933 Most of the time you can’t offset a fixed rate. I’d say your offset account is against the variable portion of your loan and thus offsetting at 6%+ which is a hell of a lot better than 4.75% (or 3% after tax). Could be wrong here as there are 1 or 2 lenders that do allow you...
  2. J

    37 - fully offset my apartment, now what?

    @loo Depends what your goals are. Where do you want to be living? Two separate decisions, investment vs lifestyle. Considering you're single and family may not be a short-term need, you could look into A) and/or D) buying a house as an investment (with the idea this could be a house you would...
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