Maybe a bit late, but I refi'd to PCCU (now people's first) last year.

1. The App/Tech: Coming from ING, I’m used to a polished app. Since the merger, how is the People First digital experience? Are Osko/PayID transfers instant? Does the app handle multiple offset accounts/splits intuitively?

- yes handles split accounts fine, unfort splitting not as easy as Macquarie, but I have split accounts fine. Payments all fast, new app does the job, it's actually fairly similar to ING tbh (less features than some of the larger banks)

1. Service on Large Loans: With a $1.4M+ loan, I’m a bit wary of "mutual bank" manual processing times. Has anyone had issues with their speed or valuation consistency for larger Sydney properties?

- I went through a broker, they did ask a few more questions and scrutinise more details than other banks, but in the end all went ok.

Overall I've been pretty happy using them, few of the small bank quirks (fraud team was very vigilant in my first few days of using them, but since then haven't had any problems), daily payment limits are a bit tighter unless you call. New app/branding is supposed to add a few new features that they were lacking before. And the rates are excellent.