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Either should be ok but make sure you service and do the general checks before submitting your application so that your credit is not affected.

There is so much paperwork re self employed applicants its not funny. What's even more frustrating is the time it takes for some accountants to provide the paperwork. It's extreme hair pulling.

Westpac made a change last week whereby they only require the last 2 years NOA's (i.e. for 2010 and 2011). You need to ensure that you have the borrowing capacity without addback incomes or existing rental income used in your tax returns for the previous years. However you can use rental...