I am working with Westpac Bank on my own ABN for the past 7 months. I want to refinance my home loan. When checked with the bank, they told they cannot offer a loan for me as I am working with my ABN only for 6 months. They want 12-18 months of history for ABN employees for offering any loans. Is there a way I can get a home loan. Also based on my current home's equity, I would like to borrow more for purchasing an investment property in Melbourne. Any help would be much appreciated.