I see new NPS schemes and NAVs listed starting in October, but I still can't switch. Is the rollout for CRAs paused, or is there a deadline or rule stopping me from switching accounts?

If the main advantage of an offset loan is its liquidity, could it be that a traditional mortgage with a low interest rate, paired with a separate high-yield savings account, provides a more straightforward and transparent solution for maximizing savings and flexibility?

If offset home loans have slightly higher interest rates, how can I determine when the extra cost is worth it compared to the interest savings? Would making regular prepayments be a better option for long-term value?