Hi all, first time poster here with what is hopefully a simple question. In the past few years my partner and I have purchased two properties with BankSA (Westpac) and my overtime (weekend penalty shifts) has been largely ignored when determining borrowing capacity. I'm now investigating the possibility of a second IP and was wondering if smaller lenders (obtained via a mortgage broker) might take this income into account? I have an opportunity to 'roster' myself onto weekend shifts for the coming 12 months but as we have a toddler I don't want to sacrifice all that time without a substantial payoff. The new property is at least 8 months away so it feels a little early to engage a broker. Cheers.