Dean Freda - The Tradie Broker

Dean Freda - The Tradie Broker Most brokers wouldn’t last a week on the tools. I’m a tradie turned broker who knows how you earn and helps you maximise your borrowing power.

Home, Investment, Asset, Commercial, Development. No fluff, just advice, from someone in your corner who gets it

20/05/2026

Owner-builder funding isn’t just a “normal construction loan.”

Lower LVR ranges.
Detailed cost breakdowns.
Proof of past builds.
Insurance.
Contingency buffers.
Progress inspections.

That’s why the lender choice matters more than most people realise.

Owner building can absolutely be done,
but the funding structure needs to be understood before you start pouring slabs.

Worth knowing before you commit.

14/05/2026

Two tradies can earn the same money and walk away from the bank with totally different answers.

Most people think borrowing power is just about income.
It’s not.

How your numbers are presented and which lender looks at them can change the result more than people realise.

That’s why one person gets approved and another on the same income doesn’t.

If you’ve been told no, it’s worth getting a second opinion.

Save this for later.

13/05/2026

Most tradies think investing is something you do later.

Later when you earn more.
Later when you’ve saved more.
Later when life’s less busy.

But “later” usually just turns into… never.

What stops most people isn’t their income
it’s not knowing what’s actually possible with the numbers they already have.

You don’t need to be rich.
You don’t need to be perfect.
You just need to understand where you really stand.

If you’ve written off investing because it feels too far away, it might be worth checking that assumption.

Save this for later.

21/04/2026

Most tradies think investing is about having more money.

It’s not.
It’s about making the shift from:
“I work for money”
to
“my money works for me.”

You already understand things most investors don’t:
• what adds value
• what a good reno looks like
• what a bad build costs
• what corners not to cut

That’s a massive edge.

The only missing piece for most tradies is knowing how to line the finance up with that plan.

If you’re still waiting until you feel “ready”,
you’ll probably still be waiting in five years.

Save this for later.

Free coffee? Yeah, you read that right. ☕I've teamed up with the legends at in Kent Town, next time you're grabbing a c...
20/04/2026

Free coffee? Yeah, you read that right. ☕

I've teamed up with the legends at in Kent Town, next time you're grabbing a coffee, scan the QR code on the flyer at the counter, book a quick call with me, and your coffee's on me.

Let's chat about where you're at, whether that's buying your first place, an investment property, or sorting out your new ute.

📍 Homeland Cafe — Kent Town, Adelaide

31/03/2026

“Bro, I don’t have another deposit.”

That’s one of the most common things I hear from tradies who already own a home.

What most tradies don’t realise is this:
If your place has gone up in value, you might already have a deposit.

That’s equity.

Before you grind away saving another 20%, it’s worth understanding what your current place can
already do for you.

26/02/2026

Only been self-employed for one year?
You’re not ruled out.

Most people get told:
“Come back when you’ve got two full years of tax returns.”
But that’s not the full story.

There are lenders who’ll look at 12 months —
if the numbers in that first year stack up on paper.

No hacks.
No shortcuts.
Just knowing which lenders actually play in that lane.

If you're around the 12-month mark and thinking about buying, don’t wait another year because someone told you to.

Save this for later.

25/02/2026

Tradies love cashies…
but the bank and the ATO don’t.

If the ATO can’t see it,
the bank won’t use it.

Cashies boost your wallet,
but they don’t boost your borrowing power.

Lenders only use what shows up on your:
✔ tax return
✔ BAS
✔ invoices

If it’s not on the books, it doesn’t count.
Simple as that.

05/02/2026

Starting a new job on probation or going casual?
Here’s what lenders actually look at

Full-time on probation:
Some lenders are completely fine with it — as long as you’re staying in the same trade.

New casual role:
This is where they get cautious.
They’ll check:
• same trade
• same type of work
• what you’re on track to earn now
vs
• what you earned last financial year

And they’ll use the lower of the two.

Send this to someone who may have gone casual and still wants to get into the market.

03/02/2026

You can make good money as a tradie…
but the bank doesn’t care what you make.
They care what you show.

If your tax return comes in low,
your borrowing power usually comes in low too.

Not because you’re bad with money
but because lenders can only use the income that’s actually on the books.

It’s not about changing how you run your business.
It’s about understanding how the bank reads your numbers.

If you’re planning to buy and you’re self-employed,
this is one of the first things to get your head around.

Address

15 Fullarton Road
Kent Town, SA
5067

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+61411338786

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