BCU have some great features aimed at helping clients that don't tick all the boxes of larger lenders. Some of these include 1 year Self Employed Financials (ABN 12 months) (unless income derived from Residential Construction industry, which requires 2 years completed Financials, 100% Family Tax A&B/Parenting Payments/Child Support – accepted to age 18, Private Child Support Agreements accepted, Probation allowed for FT or PT, Private Health Insurance included in general living expenses, 100% OT & Allowances for Essential Services Members, 100% Fixed Allowanced for all borrowers, No account keeping fees, no package or annual fees, No Limit on cash out – for PAYG applicants, LVR 95% including LMI, Accept guarantor OO & INV properties or TD.