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St George requires 2 years financials but only assesses on the most recent year. You may be correct about ANZ, but I did get away with an ANZ deal last year where a co-applicant had only been self emlpoyed for 20 months. This was clearly disclosed.

There are a few lenders who will only want 1 years financials, ANZ comes to mind but they are quite conservative in rural areas. Almost all lenders require 2 years of financials, which must demonstrate consistant profit margins to afford the loan. Yours and your husbands account history...

Have you actually spoken to a bank or broker? Assuming that you qualify for a home loan based on a car loan enquiry is a very bad way to start. You've stated that your daughter recently started a business and she should be able to get finance in a few months. The reality is that as she's self...