Hi guys, Long time lurker first time post. Need some broker assistance. I am looking at refinancing my current home loan and investment loans. We have 2 applicants - one on payg and the second on self employed. This is causing an issue which I need your assistance with. Usually I have no problem with the loan however my husbands last 2 tax returns seem to be causing an issue. In my situation I have PAYG of $90k income so it seems ok, however my husband has a profit and no salary in 2014 and in 2015 has a profit and a salary of $100k. It seems the bank i am looking at takes the lower which screws up our application. I am lost as to what this means? is this the credit tightening coming in? we purposely waited to 2015 returns were lodged and it seems it did not help!!! This is over my head as it seems to me even in 2016 we are making alot of money in my husband company however it does not matter due to bank taking the 2014 return as bible....even if i show them the BAS for the last 2 quarters which are amazingly positive!!!! So what do i do? any banks take 1 year of financials at a good rate? are they wrong in using 2 years and taking the lower? i am a little lost? Please help ,Kate!