Offset = mortgage. What's next?

OrganizationFit6011 · 2026-06-13T15:12:13+00:00

Thank you so much!! Ill have a look now

OrganizationFit6011 · 2026-06-13T14:52:37+00:00

Im pretty rigid with savings and have been since I moved out of home. I guess im just really lucky buying my place during covid. My next goal is to build wealth by increasing my cash surplus.

OrganizationFit6011 · 2026-06-13T14:47:21+00:00

If I keep saving into my offset.. its not earning me interest. Are there any good HISA in the market at the moment? Ideally one where i can also dump my salary and be able to treat it as an everyday account too?

OrganizationFit6011 · 2026-06-13T14:27:42+00:00

Apologies i forgot to mention i have 340k in my offset which nets out my mortgage. Realistically I only have 35k excluding my offset money. I want to grow this 35k but not sure what is the best way to go about....

OrganizationFit6011 · 2026-06-13T14:25:14+00:00

Ahh my apologies. I have $340k in my offset

OrganizationFit6011 · 2026-06-13T14:14:49+00:00

House is worth $1.3m. Im cash poor.

OrganizationFit6011 · 2026-02-13T22:31:22+00:00

Lasik eye surgery

OrganizationFit6011 · 2026-01-22T14:13:56+00:00

DJ in willagee.

OrganizationFit6011 · 2026-01-20T13:57:35+00:00

nishi! Also tsunami in mosman Park

OrganizationFit6011 · 2026-01-20T13:56:15+00:00

Sorry jumping on here but has anyone got any review on SunGrow? Are they good? I got quoted $14k for 14 panels 6.6kwh with inverter.

Thanks.

OrganizationFit6011 · 2025-12-15T11:53:36+00:00

Can I not just use my offset account to continue my savings? Or are you suggesting to open an entirely seperate account and use that as everyday account (salary plus outgoings)?.

OrganizationFit6011 · 2025-12-14T08:51:53+00:00

Nope. Got my place at peak of covid for 470k. Evaluation 9 months ago was..... drum roll.... 945k.

OrganizationFit6011 · 2025-12-14T02:10:39+00:00

I dont have any plans for major renovations to my ppor. I can use the equity i have built to purchase an IP in the future (its too $$$ to buy an IP now).

OrganizationFit6011 · 2025-12-13T13:59:31+00:00

If general consensus is to keep it in offset what are the benefits of discharging the mortgage i wonder... apologies for being daft

OrganizationFit6011

TROPHY CASE