Hi Richard,

Thanks for the notation. I think that while the comparison rate is higher after 36 months I'm hoping to move on by then (a pretty good incentive!!) and LMI at ~$4600 is something I'm happy to pay.  It fares higher than some and lower than others in my comparisons and is not overwhelmingly significant in comparison to similar products I've viewed.
The Offset is something which will help me if I plan diligently and I'm hoping will make a difference.  Without calculations on me it'll break even at only several thousand sitting there offsetting the $15 fee.
Fingers crossed I have a speedy paper trail conducted…less than 48 hours for pre-approval so happy there so far

Gobsospace

additionally…I'm under the impression that it would be advantageous to use a 100% offset if I was to have a significant sum (say $10K +) in the account and my intention was to pay off my PPOR, but what if I transfer the property to become an IP.  Is it still advantageous to have an offset account, particularly looking at such things as tax benefits and the likelihood that any small amount of money I  am likely to have (as I'm starting out) is still capable of earning interest elsewhere?  Does the offset account have any hidden benefits with regards to placing money for acquiring a second property?

Cheers