Tradie Home Loans

Tradie Home Loans Specialist home loans for tradies

Self-employed, lousy credit and need fast approval? Talk to us

03/09/2026

Everyone talks about the "risks" of being self-employed when it comes to getting a home loan.

But nobody talks about the advantages once you OWN property:

✅ Tax deductions on investment properties are more flexible with business structures
✅ You control your income timing (helpful for tax optimization)
✅ You can use business equity AND property equity
✅ Multiple income streams = more borrowing options
✅ Your business can be used as security for investment properties

Salary earners have income security. Tradies have income POTENTIAL and flexibility

The key is getting that first property. Once you're in the market, being self-employed opens doors that employees don't even know exist.

We don't help tradies "despite" being self-employed. We help them build wealth BECAUSE of it 💪

Ready to turn your tradie business into a property portfolio? Let's talk strategy.
Link in bio.

Here's a stat that'll blow your mind: 60% of Australians have never refinanced their home loan 🤯That means 60% of borrow...
02/09/2026

Here's a stat that'll blow your mind: 60% of Australians have never refinanced their home loan 🤯

That means 60% of borrowers are probably paying MORE than they need to.

For tradies specifically, refinancing can be powerful when your business income has grown. That $80k net profit from 3 years ago might be $120k now - which means you could:
• Get a better rate
• Access equity for investment
• Restructure to a better loan type
• Save thousands per year

BUT (and this is important): Don't refinance just because a bank offers you a rate 0.1% lower. Consider:
• Application fees
• Discharge fees from your current lender
• Valuation costs
• Your time

We do the math for you. If it doesn't save you at least $2k/year, we'll tell you to stay put 💪

Already have a home loan? When's the last time you checked if you're on a good rate?

You've got $47k in outstanding invoices. Waiting on payments from 3 different builders. One's taking the p**s (6 weeks o...
01/09/2026

You've got $47k in outstanding invoices. Waiting on payments from 3 different builders. One's taking the p**s (6 weeks overdue). One's "processing it" (sure mate). One'll pay on time like always.

Your bank account says $8k. Your actual money once those invoices clear? $55k.

This is why banks hate assessing tradie income. They look at your bank balance and go "not enough savings."

Meanwhile you're sitting on $47k that's just... in the system. Waiting.

We get it. We work with tradies every day. We know how to show lenders your REAL financial position, not just your bank balance on the day they check.

Outstanding invoices don't count as savings, but they show income consistency. And that matters.

Here's the tradie dilemma nobody talks about:Every dollar you write off to save tax is a dollar the bank won't count as ...
28/08/2026

Here's the tradie dilemma nobody talks about:

Every dollar you write off to save tax is a dollar the bank won't count as income.

Your accountant's job: Minimize your tax
The bank's job: Assess your income
Your broker's job: Find the sweet spot between the two 🎯

Real example: Client claimed $45k in deductions. Saved $11k in tax. Cost him $225k in borrowing power. Couldn't buy the property he wanted.

The following year, we planned together with his accountant. Strategic deductions. Proved $40k more income. Got approved for his dream property.

The lesson? If property ownership is in your 2-year plan, talk to us NOW before you lodge your next tax return.

Tag your accountant 👇 They should be reading this too!

You're about to apply for a home loan. Your ute's doing 280k and the gearbox is fu**ed.Dealer reckons $850 a month for a...
26/08/2026

You're about to apply for a home loan. Your ute's doing 280k and the gearbox is fu**ed.

Dealer reckons $850 a month for a new Hilux. You're thinking "yeah I need a reliable ute for work, makes sense."

Stop.

That $850/month ute loan will cost you about $160k in borrowing power for the house.

What sounds worse:
- Driving your current ute for another 6 months while you get approved
- Losing $160k off your home loan because you got the new ute first

Get approved. Buy the house. THEN upgrade the ute.

Or get the ute now and explain to your missus why you can only borrow $490k instead of $650k.

Your call.

Someone in the work group chat asks if anyone knows a good mortgage broker.Three blokes reply with "just go to your bank...
25/08/2026

Someone in the work group chat asks if anyone knows a good mortgage broker.

Three blokes reply with "just go to your bank mate."

One bloke says "my cousin does home loans, I'll send you his number" (you never get the number).

And then silence.

Here's what actually happens: most tradies ask their mates, get average advice, apply to the wrong lender, and either get rejected or approved for way less than they should've been.
Then 6 months later they find out their mate who "got rejected for being self-employed" actually just applied to a bank that doesn't do ABN income properly.

If you're asking the group chat about home loans, you're gonna get group chat advice. Which is hit and miss.

Want actual advice from someone who does this every day? Link in bio.

Pre-approval checklist for tradies.✅ 2 years tax returns✅ 3 months bank statements✅ Photo ID✅ Proof of deposit✅ Credit s...
24/08/2026

Pre-approval checklist for tradies.

✅ 2 years tax returns
✅ 3 months bank statements
✅ Photo ID
✅ Proof of deposit
✅ Credit score
✅ Work pipeline

Got all 6? You'll be approved in 5-7 days.

Missing some? Get them ready THEN apply. Incomplete applications waste time.

Save this post for when you're ready.

DM "READY" when you've got all 6.

You spent $75k on your ute.You need $60k for a house deposit.You've got the money. It's just in your driveway.Not saying...
23/08/2026

You spent $75k on your ute.
You need $60k for a house deposit.

You've got the money. It's just in your driveway.

Not saying sell the ute. But next time:
- $50k ute + $25k saved = house deposit
Instead of:
- $75k fully-loaded ute

The difference between those two utes = your house.

Something to think about.

This week we're looking at real homes in Brisbane.No finance jargon.No complicated numbers.Just real properties and real...
22/08/2026

This week we're looking at real homes in Brisbane.
No finance jargon.
No complicated numbers.
Just real properties and real examples.

Want us to run your scenario next?
Comment "TRADIE" below.
We'll show you what's possible.

You're at Bunnings (obviously). Some bloke in the timber section is telling his missus they're renovating the deck "this...
22/08/2026

You're at Bunnings (obviously). Some bloke in the timber section is telling his missus they're renovating the deck "this time for sure."

You're thinking: I could do that deck in a weekend. Better than whatever dodgy job he's about to do.

But you're renting. So you can't even put up shelves without asking the landlord.

That's the bit that gets you. Not the rent money (well, yeah that too). But the fact you can't just... do stuff. You're a chippy and you can't renovate your own place.

Anyway. If you're sick of that feeling, and you earn decent money, have a chat to us. Let's see if you can stop asking permission to hang a picture.

Address

Melbourne, VIC
3000

Telephone

+611300644621

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