Hi, We currently do not have any non deductible debt. We have about 150k in a savings account in my wife's name (she currently has no income) @ 1.84%. Are we better off to put this in an offset against a 50/50 IP at 3.5%. I am already in the highest tax bracket. We are looking to use this towards a PPR in the next 6 to 12 months. Thanks.