Hello fellow investors and pc'ers I trust everyone is well. I'm looking for opinions/experiences from others in the know or others who have been in this position. Mortgage(s) 100% offset and looking to leverage into stocks. Margin loans are fantastic, however is there any way other than using money from offsets to obtain finance at a rate in the low 4% at current? I know a LOC is an option however the rates for this are quite high in comparison. I'm pretty much asking what is the best way/is there a way/product to borrow additional funds whilst leaving money in offsets at a rate similar to borrowing for property? I know it's simple enough to use the money from offsets (technically using my money), however I would love to have cash available if, and it's a big if, there is a serious downturn where lending gets even tighter etc and opportunities present. Thanks in advance.