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Ivan, What are La Trobe like? I've never used them for SMSF. Last time I looked it was abotu 5.60% pa which is cheap, but the app fees were around 1.5%. On $500k that would be $7,500. But that would save about $2k in interest per year compared to St George.

Yes it does.

Paul, I was talking about this with someone the other day- about whether builders can sell their own properties without a licence. I had a quick look at the NSW legislation. It seems to me a person must not act or carry on the business of an agent unless that person holds a real estate...

You need to be licenced.