Current owner occupied home valued at $3.2M. Loan size $1.4M with 100% offset @ 3.71%. I have $700k in an offset account. 1. Is there a better rate home loan for my owner occupied home? 2. Is there possibility of borrowing more money for an investment property (with some of the deposits to be used from the offset account)? My salary income is $250k base a year. Wife not working. 1 dependant child.