Hi Guys, I am currently obtaining pre approval for IP2 and my broker has mentioned that Heritage will only consider commission for owner occupy. Any brokers out there that could shed some light? To give you an idea PPOR is with Heritage IP 1 Westpac. Half my wage is commission based however my last 4 years has seen consistent earnings in the same job. I am not really bothered who the loan is placed through I just thought it was strange given commission is a big source of income for people out there in the sales industry etc.