About 60% of my mortgage is offset (and I've had 6 years to chip away at it)

I got a really modest place, well below my means, but its cosy, warm, and now has solar! :D

I could go back to fixed, or split the loan to get that perception of "beating the bank" even more, but the administrative effort involved in this case doesn't feel worth while.

I think my variable rate is about 5.4% at the moment.