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We use St George for commercial as well. Excellent and robust proposition. They have excellent policy, turnaround times and quite pragmatic when assessing deals. You can get applications from start to finished in 5 weeks which is excellent. Westpac is very much like NAB - completely hit and...

In the battle of cheaper rate vs offset in an SMSF - my money would be on the offset. Re settlement - thats the responsibility of the broker or banker (not the client or the bank or the solicitor) to ensure settlement is achieved.

You cannot do equity releases via SMSF loans so its key to go interest only with a linked offset and save your principle payments in the offset which you can reuse to invest again. There are only 3 lenders that have an offset - St George, AMP and The Rock. SMSF servicing is more...