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American Hotel in Echuca is good, they have an open fire outside which is nice to sit near and plenty of good beer on tap. Food is great too!

And stumbling distance to my parents place. Haha. Nice looking pub. I never went last time but noticed the huge bar with all the taps.
 
The way ours works, the money is better off staying in your offset. The interest is the same whether it's in the mortgage or offset, but most banks will charge you to take the money back out of the mortgage should you need it later on

If we weren't lazy, we'd pay everything by credit card, then pay off the card before card interest kicks in, so as to keep as much money in the offset for the most amount of time
Hm. Thanks.
 
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