I emailed 12 months ago and now my situation has changed. I have been unemployed for 2 years, and not paid my mortgage however a healthy redraw has keep the bank at bay and there is still redraw there. I have made a payment equivalent to about 4 months repayments so we are tracking positive again. I now am self employed have a sole trader ABN and have been contracting for the last 2 months with another contract for the next 6months. My key aim is to refinance to the lowest possible rate as I am with CBA on a rate of around 4.5%. Can we now do this? Thanks!