I know each lender has their own rules around the use of redraw (minimum and maximum amounts, fees.etc) and I also know all the benefits of using an offset account. One or the main benefits of an offset being "it's your money" whereas a redraw is the banks money. This is often used in conjunction when talking about things such as losing an income (job loss or injury) and how you will survive. What I have failed to understand though is that in my experience it is as easy as an online transfer to access redraw funds. So why would someone not be able to just redraw say $10,000 in a situation like this? Given the lender you use has a high maximum and no fees for example and ofcourse its your PPOR so not talking about loan contamination.