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Tradies · Self-Employed Home Loans
Low Doc Home Loans for Tradies
Low doc home loans for tradies. Builders, electricians, plumbers, carpenters across Australia. Use BAS, an accountant letter or business bank statements — no two years of tax returns required.
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Why low doc fits tradies
Most tradies see income climb 20–40% in the first 2 years post-apprenticeship — your tax returns lag behind. Use BAS or business bank statements to prove what you actually earn now. Lenders verify income through alt-doc, run the same affordability calculation, and approve based on current income, not 18-month-old tax returns.
Who this page is for
Builders, electricians, plumbers, carpenters, mechanics, painters, landscapers, concreters and other trades operating as sole traders or Pty Ltd companies. Apprentices who recently completed and went solo. Subcontractors who work for a primary builder or developer. Multi-trade business owners.
Income evidence we can use
12 months of BAS showing strong trading revenue, or an accountant letter declaring net income. Most tradies don’t have two years of clean tax returns reflecting current income — that’s exactly what low doc solves. Alternatively, 6–12 months of business bank statements showing trading deposits work for several lenders.
Typical borrowing capacity
Most tradies we work with borrow $600k–$1.2M depending on assessed income, deposit and target property. Up to 80% LVR standard. With a family guarantor, effectively 100% of purchase plus costs without LMI.
FAQs — Tradie home loans
How long do I need to have been a sole trader?
12 months minimum at most low doc lenders. Some specialists accept 6 months for tradies transitioning from PAYG to ABN within the same trade.
Cash-in-hand work — problem?
Lenders assess on declared income. Income not on BAS or bank statements doesn’t count. Quote work properly and bank business deposits if you want to maximise borrowing capacity.
Can I use partner’s PAYG income too?
Yes. Joint application combines your low-doc verified income with their pay-slip income. Often gets you a better rate via the full-doc loan structure.
Tradie mortgage broker
Free consultation. We’ll model your borrowing capacity using your actual income evidence.
Related: Low Doc Home Loans · Self-Employed