Hi, everyone, Just signed the contract for my first IP. A lot of worries in my mind. Hope I can get some help here. Thanks in advance. My situation : I just refinanced with CBA. One new split loan is created for investment. Loan account - $160K DR borrowed against the equity in PPOR. Offset account - $160K CR. Q1 : Offset acct balance was $159K after bank fee was charged. So I transferred $1000 from my saving into the offset. Then I realised I just put a drop of urine into a cup of tea. I haven’t used any money yet. No interest has occurred, either. What can I do to rectify it? Is it really impossible? Should I...... a) Move that $1000 back to the saving acct, and pay interest on $1000? b) Transfer that $1000 from offset to the actual loan? c) Transfer $1000 back to saving acct and deposit $1000 from saving to loan account ? d) Transfer $159K to loan acct, leave $1000 in offset? e) Too late now , nothing can be done. I think d) is the solution? Right ? Therefore, I can keep the borrowed money in the loan account, and use it for the deposit to REA’s trust account, 20% purchase price of property, future expenses for renovation /maintenance for IP. Thanks a lot.