Hi everyone, I was just after a few opinions. Currently there is a 90k mortgage sitting in a standard variable economiser account, locked in until 2012, with 5k in redraw. There is also 3k sitting in a savings account earning 5.75% interest for the next 3 mnths which will then drop back down to 4.75%. I queried my back as to whether an offset account was available, their response being that I will have to wait until the expiration of my economiser period until I am able to get an offset account without incurring any fees. I'm not satisfied with this answer and was wondering if anybody had any suggestions.