Hi, Long team reader, first time poster. I've recently taken out a commercial loan for a commercial property I purchased last year with NAB at an excellent rate. I have some extra cash lying around doing nothing - so I've been exploring options and it seems to me that an 'offset' account is quite popular with people in the property market. I've contacted my bank (NAB), whom have advised that 'offset' accounts aren't available for commercial loans, so it got me thinking, is this a norm for all banks in the industry? I am yet to contact any other banks and wanted to gain a further understanding of how banks in the commercial industry interms of offset accounts work with offset accounts - are they a complete NO NO? Look forward to your responses.