The Property Couch TPC Gold | Do I Need More Than One Offset Account?
Oct 7, 2025
Discover the power of offset accounts in property investment! A listener's query sparks a discussion on whether a second offset account is necessary. The hosts emphasize utilizing offsets against high-interest loans for maximum benefit. They share practical advice on tax implications and stress the importance of borrowing strategies over multiple offsets. Ultimately, they remind listeners that the focus should be on asset quality and smart investment opportunities.
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Lean Offset Toward Highest-Rate Loan
- Do put your offset account against the loan with the highest interest rate to maximise savings.
- Move the offset to the next highest-rate loan once the primary offset bucket is full.
Ladder Against The Highest Wall
- Bryce uses a ladder-and-wall metaphor to explain offset strategy across loans with different rates.
- He and Ben both run offsets against higher-rate loans and pivot as buckets fill.
Don't Pay For Unneeded Offsets
- Avoid paying for extra offset accounts if the bank charges a fee and you don't need them.
- Use a single primary offset for all surplus cash unless a free second offset is warranted.