Loan docs have just been mailed to me after some changes were made to the original docs. I expect them to arrive this week. I have a PPOR that was just valued at 550k. Taking out some equity to buy an IP, and a new work car. I have arranged for splits as detailed below; a) $285,000 (P+I) This one is the PPOR debt. Offset will have nothing in it when they settle. b) 29,000 (P+I) The bank will pay 29k into the offset on this one I believe c)5000 (I.O) The bank will pay 5k into the offset on this one I believe d) 121,000 (I.O) Will be used for IP deposit and stamp duty.The bank will pay 121k into the offset on this one I believe I want to know if instead of parking all the money in the offsets, should I pay the amounts the bank sits in each offsets directly back into each split loan (and leave for example $100 in each one unpaid so the loans remain open), I would then use the redraw facility on split (D) to pay directly to the IP deposit, and the stamp duty via internet banking transfer from the redraw-And then do I just make the IO repayments on this each month, or should I put extra into the offset? and then use the redraw on split (B) to pay direct to the dealership for the work car- this one I was planning to put as much into the offset as possible each month to clear the balance so that once cleared I can redraw to use for an IP deposit- Or will this mix the loan? And I plan to use split (C) to pay for IP expenses directly from the redraw account as needed. Is this how I should be doing it if I do not have a LOC? And then do I just make the IO repayments on this each month, or should I put extra into the offset?