As rates have come down in the last couple of months, we did not reduce the repayment amount. The redraw now has an amount of about $2000 (happy to leave this here and not redraw it). The home loan has an offset attached which is where the repayments are coming out from. As this is a PPOR, the loan is not tax deductible, however, in an event we want to convert this to an IP in a couple of years, what should we do now to avoid any mess later. Should we reduce the repayment to the minimum repayment requirement and put all the extra into the offset account?