Hi bargain,

below is your current [as per your desc] and an alternate option.

I use the alternate option as its less hops and investment income/expenses are separated from Personal income/expenses.

With multiple properties i still prefer using the one offset account as some investments will be slightly negative/positive on any given month and it aids with cash flow.

Note; if i have an ‘equity release loan’ and don’t utilize all of the released funds I will isolate these funds into a separate offset account for tracking purposes.