PB
Phoebe Blamey
google
“The brilliant thing about Julie is her next level understanding of money in your business and how to help a business owner borrow money”
Posted on Google · 2026-11-12
Merrylands · Mortgage broker
Loans for tradies: home, ute, equipment and more
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 |
What we do
Tradies Finance
For plumbers, electricians, carpenters, landscapers, tilers and other trades.
What’s included
- A quick call on your trade, ABN age, work history and plans
- Documents that tell your story best: BAS, bank history, interim financials or an accountant’s declaration
- The right order of loans: home first, vehicles and equipment after
- Lender match, including lenders that credit prior experience in your trade
- Approval and settlement
Problems we solve
- Income that swings month to month
- A young ABN
- Equipment debt counting against you
- Tax returns that are behind
How it works
How we deliver
1
Quick callyour trade, ABN age, work history and what you want to buy.
2
DocumentsBAS, bank transaction history, interim financials or accountant declaration, whichever tells your story best.
3
Order of loanshome first, vehicles and equipment after, where that protects borrowing power.
4
Lender matchincluding lenders that credit prior experience in the same trade.
5
Approval and settlement.
Pricing
Honest, up-front pricing
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.
Reviews & ratings
Loved by the local community
NM
Neil Manuel
google
“Awesome broker, highly recommended for any of your finance needs!”
Posted on Google · 2026-11-01
GO
Gareene Ohanian
google
“I highly recommend Julie from Mortgage Pass in Merrylands. She’s so professional, knowledgeable and caring. Her advice is beyond what you will ever receive from a bank. julie managed to secure our first home buyer pre-approved loan in no time. We are so happy to have found our forever home and settled our loan with ease. Thank you Julie & the Mortgage Pass team.”
Posted on Google · 2026-10-21
Meet your team
Led by people, not a faceless help desk
JJ
Julie Judge
Tradies Finance lead · Diploma of Finance and Mortgage Broking Management
Mortgage broker in Merrylands and nearby
Areas we serve
These are just some of the local suburbs we cover.
SydneyNSWBurwoodNSWConcordNSWHolroydNSWHomebushNSWLidcombeNSWRosehillNSWGranvilleNSWGuildfordNSWMays HillNSWNewingtonNSWRydalmereNSWMerrylandsNSWSydney Olympic ParkNSWSilverwaterNSWWentworthvilleNSWNorth ParramattaNSWConstitution HillNSWParramattaNSWSouth WentworthvilleNSW
Popular searches
Service options
Onsite servicesOnline appointments
Amenities
Gender-neutral restroom
Crowd
LGBTQ+ friendlyTransgender safespace
From the business
Identifies as women-owned
FAQs
Questions answered
What are tradie loans?
Tradie loans, as Mortgage Pass arranges them, are for tradespeople whose income fluctuates or who are self-employed, assessed with flexible documents.
What documents can I use instead of tax returns?
Mortgage Pass can use BAS, bank statements, interim financials or an accountant's declaration.
Should I finance my ute before or after my home loan?
Usually after, Mortgage Pass advises, because new debt reduces home loan borrowing power.
Business information
Mortgage Pass
Address
1/219 Merrylands Road, Merrylands NSW 2160Get directions →
Phone
Booking link
Hours
HoursSee all →
Website
Plus Code & geo
Credit licence
Australian Credit Licence 387025
Find us
Hours, directions and map
- Address1/219 Merrylands Road
Merrylands NSW 2160 - StatusHours
- Google Plus Code
5X7Q+HH
Opening hours
HoursMondayToday9:00 am – 6:00 pm
Tuesday9:00 am – 6:00 pm
Wednesday9:00 am – 6:00 pm
Thursday9:00 am – 6:00 pm
Friday9:00 am – 6:00 pm
SaturdayClosed
SundayClosed
Status: Open today 9:00 am – 6:00 pm
Sources & references
- (n.d.). RG 273 Mortgage brokers: Best interests duty. ASIC. https://asic.gov.au/regulatory-resources/find-a-document/regulatory-guides/rg-273-mortgage-brokers-best-interests-duty/
- (n.d.). Search ASIC's professional registers. ASIC. https://asic.gov.au/online-services/search-asic-s-registers/professional-registers/