Ive been contracting (PAYG) part time for over 6 years and have a steady annual income of approx. 100K pa. My contracts are standard six month contracts for major blue chip organisations including banks. I was recently refused a homeloan topup of 100K by a major bank as they require a minimum 12 month contract. They didnt want to consider my previous tax returns. Can you tell me if i will have a problem refinacing or getting a new home loan with all major providers.