The Truth About Housing Market Crashes: What You Need to Know

Question . I have an IP and no PPOR. I rentvest I jave kept all my money in term deposits , which i earn interest. ( Its 5.25%) I have 0$ in offsets. My loan interst rate is 6.25% Please let me know if te above make sense ? I mean why should i keep my money in offset ? This way i can claim all the intrerst paid from the ATO during tax filing( If had put my money in offset , then my interst that i could claim drops down😢😢+ i would miss out on interst payments that I earn on term deposits ) . I dont intent ro pay off my loan atleast for the next 30 years and just go Interst only loan.. I earn 90k annual as wages. Do u think is a good idea ? If not could u explain in detail on. Q&A video please