hehe thanks Derek much appreciated – my home is an apartment near city – perhaps I shouldve mentioned that, I believe Land Tax does not affect this? Also wouldnt the STate Revenue know that I moved out as it will be in my tax return?

Also what real benefit do I have from the offset account? Isnt it easier to just throw it all in the mortgage as my aim is to focus on reducing the mortgage?

Thanks and apologies for the numerous ?