My partner and I plan to purchase our first home together and obtain a PPOR loan (800k, P&I) that can be split into different splits (for example, eight splits of 100k each) so as soon as we pay off one split we can top it up or get a LOC to purchase a IP. We want to have separate offset accounts so our money won’t be mixed together so in the future we can adopt the spousal loan strategy for IPs. Now I’m a bit confused, if we have separate offset accounts, does it mean we will end up getting 8*2=16 splits? That seems too complicated and onerous. Any comments and suggestions are highly appreciated.