@Phil ******
that is 5% interest rate, so doable in a term deposit. But it's still tied up, you can have the 800k in the new BKB term deposit which earns about 6% and you get your 40k in the pocket or leave it in there. Then you can do it yourself. I flew to Thailand 3 months before I was going to move here, started a BKB account and deposited the 800k in a term deposit and 200k in a debit card account also, went back to OZ got all the i's dotted and came back and applied for my O retirement got it and haven't looked back. Built our home and moved in, and I now have it in the new term deposit which is a better interest rate and not variable until the next anniversary.