Home Loans for Tradies
Tradies often get a raw deal from banks — variable income, cash jobs, ABN holders with lumpy BAS. We know the lenders that understand the trades and approve on real-world income, not textbook rules.
ABN-friendly lenders
Sole traders and subbies — low-doc and full-doc options.
PAYG tradies
Overtime, travel allowances and tool allowances all considered.
Ute & tool finance
Chattel mortgage for vehicles and tools — separate from your home loan.
Self-employed tradies
If you have 2 years of tax returns as a sole trader, you can access standard full-doc rates. If not, alt-doc loans using BAS, bank statements or an accountant's declaration are often available. We match you to the right lender.
Sub-contractors & labour hire
ABN holders working on contracts can struggle with some lenders. We know which lenders accept 12 months of BAS or contract history.
PAYG tradies with allowances
Travel, tool and living-away allowances are common in trades. Not all lenders include them. We maximise your borrowing capacity by finding lenders that count them fully.
FAQs
I'm a sole trader with 1 year of tax returns — can I get a loan?
Yes — several lenders accept one year of financials. Alt-doc options work with BAS or bank statements.
Do I need to declare my cash jobs?
For income to count toward your loan, it needs to be documented. Undeclared income can't be used for serviceability.
Can I finance a new ute at the same time?
Yes — we structure vehicle finance as a separate chattel mortgage so it doesn't affect your home loan capacity negatively.
Ready to talk about your next home loan?
Free, no-obligation chat with Hoshang. We'll map out your options in 20 minutes.