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Thank you all. After reading this I realised two offsets were created since I had cash to purchase, basically I had more cash than the 2 loans. Then went and bought last year using offset for cash as opportunity arouse. So now I have preapproval for new loan but I probably do not require the...

Interesting.... I have 2 IPs in SMSF, 2 loans and 2 offsets with St George, so does it mean it was unnecessary to create 2 offset accounts, one was sufficient? Also, have been pre-approved for 3 IP also with ST George, so I do not need a new offset? From what you suggested, my understanding...