Am interested in refinancing my PPOR loan, mainly to save on the annual fee. Currently with Westpac Premier Advantage IO. Loan Amount of 260k. Property value about 500k (probably less due to market downturn in Melb). Am self employed with income on the lower side. 2018 was 58k, but 2017 only 12k. Are there any easy to apply for loans for self employed (ie lo doc) anymore? Mainly looking for one with no annual fees or establishment fees, offset, and IO if possible.