Tradies & builders
Your bank balance jumped — can you borrow off it?
ABN sole trader through to company with apprentices: we separate trading income from “maybe” income before lenders do. Addbacks, depreciation, and one-off jobs either help or hurt — we show which.
- ✓Map BAS / tax returns to what banks actually accept for servicing.
- ✓Know if you’re better delaying purchase until two-year trails strengthen.
- ✓Pair with guarantor or equity strategies only when they genuinely fit.
WhatsApp: 0400 77 77 55
Prefer outcomes over long reads? Get a straight yes / no / not-yet on the phone — paperwork only when there's a real lane.
Lock in a callWhat happens on your first call
Three deliberate steps — no folder dumps, no lender bingo.
- 1
15 minutes, no jargon
You tell us purchase state, rough income, deposit, and timeline. We tell you whether your file is realistically “bank-ready” yet.
- 2
A short shortlist
We name the 1–3 lender camps that fit your evidence — not a laundry list of logos. If something is a stretch, we say so early.
- 3
Clear next steps
You leave with a checklist (payslips, IDs, liabilities). When you’re ready, we lodge with eyes open — same broker start to settlement.
Why tradie income isn’t “cashflow = borrowing power”
Assessors separate trading profit from what they’ll service — addbacks, liabilities, and structure matter more than one good quarter.
Tools & utes aren’t “assets” to everyone
Debt against vehicles can bite serviceability — we surface liabilities early.
Pipeline ≠ profit
Large quotes don’t impress assessors without realised income pattern.
Structure matters
Company vs sole trader changes docs — we ask before you drag twenty PDFs.
How lenders actually view tradie & builder applications
Three truths before anyone promises a ceiling — especially on ABN or company structures.
Easy to trip on
Alt-doc vs full-doc
Low-doc routes shrank — full evidence usually wins on rate and approval strength.
Case by case
Low deposit?
FHBG / regional schemes or family security may beat hammering LMI on shaky income.
Often lines up
Deep dive available
Our self-employed pathway page backs this up — we’ll link you when structure is complex.
Want the full matrix on your numbers?
That’s a conversation — not a webpage. We’ll match evidence to lender camps with names.
Start enquiryYou work with Bishnu Adhikari · Australian Credit Licence 390261 · Yellow Brick Road aggregator — same human from first call to settlement where possible.
Quick answers
Straight FAQ — deeper scenarios on the call.
Want the long reads later? Serviceability explained · LMI basics · Self-employed pathway.
Ready for numbers that match your payslip?
Tell us income band, purchase state, deposit, and any deal-breaker debts. We reply business days.
Prefer the phone? 0400 77 77 55 — direct line to Bishnu Adhikari.
Important information
The information on this website is general in nature only. It does not take into account your objectives, financial situation, or needs, and you should consider whether it is appropriate for you before acting on it.
Credit assistance and lending are subject to lender assessment, terms, conditions, fees, charges, and eligibility criteria. A loan product that suits one borrower may not suit another.
You should consider obtaining independent legal, financial, and taxation advice before making decisions about credit or property.