Home Loans for Tradies in Perth and Mandurah
Trade income can come from a wage, subcontracting, or running your own business under an ABN. Each is assessed differently by lenders.
Andy compares lenders across Perth and Mandurah to find ones that understand how electricians, carpenters and plumbers actually earn.
Andy made it straightforward and simple and represented us in a way that put our best foot forward.
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For the entire process Andy was a wealth of knowledge and provided excellent support, guidance and timely information.
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Top bloke, great service and locked in a great deal for us. Walked us through each step and had everything finalised really quickly.
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Andy made our refinancing and purchase of a new home seamless and within our guidlines.
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Let's Chat
Complete the form below and Andy will be in touch to discuss your finance needs.
Why Trade Income Needs the Right Lender
PAYG employed tradies are generally the most straightforward to assess, since lenders can rely on an ongoing wage.
Subcontractors and sole traders are assessed differently, often using tax returns, BAS or accountant declarations depending on the lender.
Andy looks at your whole position to find a lender whose policy fits how you actually work.
Trade Situations Andy Helps With
PAYG Employed Tradies
Assessed on your ongoing wage, similar to other employed borrowers.
Subcontractors
Andy presents your income history in a way lenders can assess properly.
Sole Traders and ABN Holders
Running your own business means your income is generally assessed like other self-employed borrowers. See our self-employed and low doc home loans page.
New to Running Your Own Business
Recently started trading under your own ABN? Andy explains which lenders will consider a shorter trading history.
Need a Ute or Van for the Job?
Andy also arranges vehicle finance for tradies, covering utes, vans and 4WDs, whether you are PAYG or working under an ABN.
See our motor vehicle finance page, or if you are self-employed, car loans for self-employed workers.
Reviewed By
Credit Representative & Mortgage Broker · Dip. FMBM
Andy reviewed this page to make sure the information for tradies is accurate and reflects how these loans are arranged in Western Australia.
Tradie Home Loan FAQs
Yes. Andy presents your income history in a way lenders can assess, and finds a lender comfortable with your arrangement.
You are generally assessed like other self-employed borrowers, using tax returns, BAS or accountant declarations depending on the lender.
Some lenders will consider a shorter trading history, especially with a strong deposit and clean credit. Andy will explain which lenders may suit your situation.
Yes, Andy arranges vehicle finance alongside home loans. See our motor vehicle finance page for more detail.
This depends on the lender and your overall situation, the same as any other borrower. Andy will run through realistic deposit requirements for your circumstances.
No. Andy works with electricians, carpenters, plumbers and other tradies across Mandurah, the Peel region and the Perth metro area.
