What’s your savings account and why do you use one if you have an offset?

If you have funds going into an account other than your offset it makes sense for them to be paying your mortgage so the offset stays as high as possible. Even better, get everything paid into your offset and then pay mortgage and everything else from there.

My bank allows me to choose as many accounts as I want to become offset accounts so check if that’s available as an option for you. That way it’ll make no difference.