BOQ have some great niches with how they look at servicing home loan debts. Some examples include:-

BOQ take the following rental income types at 70%: Holiday Rental, Air BNB, Serviced Apartments, Student Accommodation, Carpark Spaces, High density, NRAS, Commercial Property, Defence Housing, Mining Towns, Standard properties at 80%.

BOQ will use 80% of commission income after 6 months, payment must be consistent, ongoing and a condition of employment. We need to verify with both of the below: the applicant's employment letter or employment contract, written evidence showing commissions earned over the 6 month period before the application date and then annualised.

Essential Service workers. 100% of overtime, penalties and allowances can be used. Simple verification – 2 consecutive payslips.

Other Niches:- Ex-Pat lending (80% of net Income tax free 70%LVR), Family Guarantee (siblings), High Density (In QLD up to 95% as long as 50m2), Construction up to 3 on title, Up to 4-6 on title with resi rates at 65%, Vacant land up to 90%, Temporary residents in a spousal or de-facto relationship with an Australian or New Zealand citizen or permanent resident can be considered as their co-borrowers. Probation policy 4 month gap, FHB- propensity and gen savings not required, Construction up to 90%(LMI INC), Company and Trust Applications(including Unit Trusts and Trading Entities) at resi rates