Hejaz Essentials
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PAYG

• Last 2 payslips; plus
• Bank statements for the last 3 months showing salary credits (no older than 30 days).

Minimum employment criteria

Full-Time – Minimum 3 months. If <6months, must have been in continuous employment in the same industry for 12 months.

Part-Time – Refer to Full Time.

Casual – Minimum 12 months with current employment. If <12 months, must have been in continuous employment in the same industry for 24 months.

Second Job – Minimum 12 months in current employment.

Contract – Must have worked in the same industry/role for a minimum of 24 months.

Self-Employed

• Two most recent personal and business tax returns (not older than 18 months), or
• Two most recent annual financial statements (not older than 18 months).

Each director, sole trader and partner on the loan must also provide their most recent personal tax return with the most recent
Notice of Assessment.