If you are self-employed, you must:

  • Have been trading for at least 2 years
  • Provide the previous financial year's tax return, that shows income has been paid to you from your business, and the notice of assessment
  • Be borrowing for predominantly personal or personal investment purposes

You also need to meet the same criteria as other individual applicants. You must:

  • Be applying as an individual (no joint applications, or applications in your company or business name)
  • Be a citizen or permanent resident of Australia and currently residing in Australia
  • Be earning an income of at least $20,000 per year (you cannot be earning the majority of your income from Government benefits)
  • Be considered by us as having an acceptable credit record
  • Be at least 18 years of age