Hi there, What are generally some of the lenders providing offset accounts for a P& I loan (only 250k), owner occupied? Talking the best rates and lowest overall fees (no fees better) and flexibility to top up extra payments without penalty and redraw money too. My bank is ING and I am trying to find what is significantly better than their Orange Advantage loan. Also if loan is with another provider, how are payments deducted from your other bank where your income goes? And to top up extra payments, offsets etc, do you just transfer online as usual? First property purchase to live in, goal is to pay it off asap, then get into 'real' investing /ie different strategy. Have a sizeable deposit and am buying in Sydney West. Sorry just a noob. Many thanks.