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really ? 1.3M, 74LVR with St George ?? I have a friend with St George loan around $730,000, 80% LVR,4.50%. He was not happy with St George's service, so I am currently in the process of getting a better rate, product and service with other lender/bank for him, it looks like around 4.45% mark .

They only look at the loan amount, not taking into consideration of the cash you park at the offset account. I think 4.45% for $3M is not good at all, you can easily get the rate down to around 4.3% - 4.2% to even lower rate ! I know NAB would do for sure, CBA should too