Specialist Lending for Self-Employed Tradies — All Trades Welcome
Home Loans for Self-Employed Tradies — Every Trade, Every Situation
Whether you're a sparky, chippy, plumber, or any other trade — if you work for yourself, banks make it harder than it should be. We specialise in getting self-employed tradies approved with the right lender and the right loan structure.
No full tax returns needed
BAS, bank statements, or accountant letter
40+ lenders
Including specialist non-bank lenders
Built for tradies
We understand your income structure
Why tradies get knocked back by the banks
It's not that you can't afford a home loan. It's that the banks don't understand how your income works. Here's what we see all the time:
Banks don't understand trade income
Project-based work, subcontracting, seasonal fluctuations, and cash-intensive businesses confuse traditional lenders. They want payslips — you have invoices.
Tax deductions destroy your borrowing power
Vehicles, tools, materials, insurance, fuel — every legitimate deduction reduces your taxable income. Banks only see the bottom line of your tax return.
Subcontracting income is treated as unstable
Working under builders or other contractors means your income comes from multiple sources. Banks see this as risky, even when you're always booked.
You've been knocked back before
Many tradies have been told 'no' by their bank. That doesn't mean you can't get a loan — it means you need a broker who knows where to go.
How we get tradies approved
We know which lenders work with self-employed tradies and exactly how to present your application for the best chance of approval.
BAS-Based Lending
Your quarterly BAS shows real business turnover. We use this to demonstrate income to lenders who accept BAS as primary evidence — no tax returns needed.
Bank Statement Assessment
Consistent deposits from builders, clients, and contracts show strong income. We use 3–6 months of bank statements to prove your earning capacity.
Accountant Declaration
Your accountant provides a letter confirming your income. This can fast-track approval when full financials don't reflect your true earnings.
Add-Back Strategies
Vehicle depreciation, tool purchases, and one-off material costs can be added back with lenders who understand trade business expenses.
We help tradies across every trade
No matter your trade, if you're self-employed and need a home loan, we can help. Here are some of the trades we work with regularly:
Electricians
Plumbers
Builders
Carpenters
Mechanics
Painters
Landscapers
Tilers
Concreters
Roofers
Fencers
HVAC technicians
Welders
Glaziers
Cabinet makers
Common scenarios we help tradies with
Buying your first home as a self-employed tradie
Upgrading to a bigger home for your family
Purchasing an investment property
Refinancing after going from employee to self-employed
Buying a property with a shed or workshop
Consolidating tool and vehicle finance with your mortgage
30+ years helping self-employed Australians get approved
Chris Brown, Managing Director of New Vision Financial Services, has spent over three decades in banking and finance. He understands the frustration of being told "no" by a bank when you know you can afford the repayments. That's why New Vision specialises in finding the right lender for self-employed borrowers.
We don't just submit your application and hope for the best. We strategically match your income profile with lenders who understand self-employed income — and we present your application in the strongest possible light.
40+
Lenders on panel
30+
Years experience
FBAA
Fully accredited
Australia
Wide service area
FAQs for self-employed tradies
I've been knocked back by my bank — can you still help?+
Yes. A bank rejection doesn't mean you can't get a loan. It usually means the wrong lender was approached. We match you with lenders who understand trade income.
How long do I need to have my ABN?+
Most lenders require 12–24 months. Some specialist lenders accept 12 months if you have prior trade experience as an employee.
Can I get a loan with a low doc application?+
Yes. Low doc loans use BAS, bank statements, or accountant declarations instead of full tax returns. They're designed for self-employed borrowers like tradies.
Will my ute or tool finance affect my borrowing power?+
Existing commitments are factored in, but we structure applications to minimise the impact. Some lenders treat business assets more favourably than others.
What deposit do I need as a self-employed tradie?+
Low doc loans typically require 20%. Full doc options may allow 10% or less. First home buyer schemes can reduce this further.
Do you charge a fee?+
For most residential loans, there's no direct fee to you. We're paid by the lender when your loan settles. We'll always be upfront about any costs.
Still have questions?
Book a free, no-obligation consultation and we'll walk you through your options.
Other self-employed loan guides
We specialise in home loans for self-employed Australians across every industry.
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