Finance for plumbers, electricians, carpenters, landscapers, tilers and other trades, whose income often swings month to month. We prove your income with BAS, bank statements, interim financials or an accountant's declaration, and arrange the loans in the order that protects your borrowing power.
A tradie who moves from a wage to their own ABN can earn more and still look riskier to a bank: irregular invoices, a young ABN, and equipment debt all count against a standard assessment. The fix is the right lender and the right order, for example buying the home before financing a new ute, because new debt reduces what a home lender will offer.
| Loan | Typical use |
|---|---|
| First home loan | Your first home, including government schemes |
| Construction loan | Building your own home, sometimes as owner-builder |
| Vehicle and equipment finance | Utes, vans, trucks, tools and machinery |
| Low doc loan | When tax returns are behind or income has jumped |
| Investment property loan | Building wealth outside the business |
| Refinance and cash-out | Better rate, or equity for the business |
For plumbers, electricians, carpenters, landscapers, tilers and other trades.
Starts with a free assessment
The lender that funds your loan pays us a commission when it settles. If a fee ever applies, for example on a complex or commercial loan, it is agreed in writing before any work starts, and our credit guide sets out exactly how we are paid.
“Highly recommend Mortgage Pass. Excellent service from start to finish. Julie made the whole process so much easier! She’s extremely thorough, goes above and beyond to find the best deal, and keeps you updated every step of the way. Very professional, knowledgeable and always happy to help. If you’re looking for a reliable and helpful broker, Julie is your go-to!”
“We wanted to cash out against our home to renovate and had no idea where to start. Julie was so helpful from day one. She walked us through all our options, explained the numbers clearly, and found us a great deal that let us access the equity without messing up our existing loan. Communication was excellent the whole time, everything was handled quickly and settlement was smooth. Made what could have been stressful actually really easy. Highly recommend Julie if you need a mortgage broker.”
“We couldn't recommend Julie from Mortgage Pass highly enough! From the very beginning, Julie was professional, knowledgeable, and incredibly supportive throughout what turned out to be a challenging loan process. Thanks to Julie's hard work and determination, we've secured the finance to build our dream home. If you're looking for a mortgage broker who will go the extra mile, Julie is the person to call. Thank you, Julie, we're so grateful for everything you've done to help make our dream a reality!”
These are just some of the local suburbs we cover.
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