Offset and redraw are not the same - and choosing the wrong one can quietly wreck your tax strategy. Put cash in redraw and pull it out later? That money can lose its tax deductibility. An offset keeps your cash separate, flexible, and usually tax-safe. Redraw can work, but only if it’s structured properly from day one. This one decision can cost (or save) you thousands over time. Comment “MORTGAGE” and we’ll check your setup before it’s locked in. #mortgagepros #doctorloan #propertyinvestment #