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Whilst it settled in July, I did not get to move into the house until November as I had to wait for the previous owners to move out (they did a rent-back deal in the purchase contract). I have rung OSR (anonymously) 4 times over the past few months to try and clarify this...because at first...

Already tried that. Can't get housemates/boarders - office state revenue qld have told me that as soon as anyone else has occupancy of the property, whether I am there or not, I void first home buyer stamp duty concession conditions and have to pay that back.

They must have some flexibility in the % amount on lending....I was lent money that I am now having trouble paying back so it didn't work for me - but they don't seem to have based it on the 30% guide either....yet I am with CBA too. My stats would be similar to yours re. income and loan...