I recently settled a O/O property in Albury, where both applicants currently lived and worked in Melbourne. The question of commuting didnt come up. Ive previously done a similar thing for a purchase in Lismore, and my first purchase was in Ballarat, using the income I received in Melbourne. I think the first trick is not to tell them your planning on changing jobs for a start, just dont blame the lender if you get the loan then cant afford it after you move and cant get a new job in the new town....