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Would of changed bankers/brokers after first discussion. Sounds like you have been stung with someone who has no idea. Funds overseas are fine if in your name, they can count for genuine savings. Have to assume the LVR is above 85% as gen savings doesn't apply under that. Make sure you're not...

It shouldn't take that long, has nothing to do with CBA and more to do with who you're dealing with. What's the reason for the delay? Are there any issues on the file? I'm working on a complex application at the moment, property share with daughter and parents, parents on centrelink pension...