I had a quick question for the finance gurus here... I am self employed and have a few properties I want to take to a bank to refinance to release some equity. I have financials for FY14 (high income) and FY15 (lower income by about half), but I do not have financials for FY16. In fact, I did not generate any income in FY16. Are there any banks that would do a equity release without asking for FY16 financials? (Either full financials or interim docs such as quarterly BAS statements, etc).