^^^ I am finding they have a low risk tolerance in general so even if a deal is within policy they will find a reason to decline if they don't "like" it. Had a few like that over the last 2 years.
I have the poops with Suncorp too. Any excuse to decline a loan at the moment. Existing clients snookered in with them on a granny flat deal with LMI. No problem doing it 2 years ago at 95% now declined a 20K top up when the LVR has gone down to 85%. A***holes.
