CASHFLOW
Cashflow Lending
Short-term funding for materials, wages and supplier gaps between invoices and progress claims, based on your work pipeline rather than property — cashflow lending for tradies.
Builder and Tradie Finance
BUILDER & TRADIE FINANCE · SUNSHINE COAST
Builder and Tradie Finance
Trade businesses don’t run on neat pay cycles. Materials, wages, gear and vehicles often need paying before the invoice, progress claim or stage payment lands. Builder and tradie finance matches the right funding to the job, the asset and the timing, rather than forcing a trade business into a standard loan.
Ausfirst Lending Group works with builders, tradies and self-employed owners across the Sunshine Coast as a builder and tradie finance specialist. We assess options from a panel of more than 40 lenders — banks, non-bank and specialist — so self-employed, low-doc and asset-heavy files are matched to a lender that actually suits them.
From a ute and the tools through to working capital between progress claims and the finance behind a build, it often pays to have one adviser looking at the whole picture rather than three lenders that each see only their slice. We match each piece to the right lender and keep the structure working together as the business grows — and where a knockback has happened before, a better-presented file with the right lender is often what turns it around.
The starting point is always the same: the purpose of the funding and how it’s repaid. Tell us what you’re funding, when you need it and what documents you have, and we’ll compare suitable options.
01
The Job
What the finance will fund — gear, a vehicle, materials or a build.
02
The Timing
When the funds are needed against your invoices and progress claims.
03
The Repayment
How the finance will be repaid, matched to how the business earns.
PURPOSE FIRST, PRODUCT SECOND
Finance Built Around How a Trade Business Runs
A trade business is asset-heavy and paid in lumps, not a flat monthly wage. Match the funding to the job, the gear and the timing and it works with your cashflow; force it into a standard loan and it fights you. Once the purpose of the funding and the repayment are clear, the right structure follows — that’s where we start.
Finance for Work, Gear and Cashflow
For the day-to-day running of the business, the main paths are:
GEAR
Asset Finance
Funds machinery, trailers, tools and equipment while keeping your working cash free, with the structure matched to the gear and how you trade — asset finance.
VEHICLES
Ute & Vehicle Finance
Utes, vans, trucks and other work vehicles, compared beyond dealer finance and structured around business use — ute and vehicle finance.
LOW-DOC
Low-Doc Business Loans
Suits a strong business whose full financials aren’t ready, using BAS, bank statements and invoices instead — low-doc business loans.
Finance for Building Projects
For building and construction work, funded in stages against a contract and valuation, the main paths are:
BUILDS
Construction Finance
Staged funding released as the build progresses, matched to the contract, valuation and drawdown schedule — construction home loans and construction finance for builders.
OWNER-BUILDER
Owner-Builder Finance
Support for managing your own build without a fixed-price builder contract, with the right lender and a well-prepared file — owner-builder finance.
KNOCKDOWN-REBUILD
Knockdown Rebuild Finance
Demolish and build new on the same block, structuring the current loan, equity, demolition and new build as one plan — knockdown rebuild finance.
Keeping Business and Personal Finance Apart
Business funding and a personal home loan are assessed on different terms, and it usually helps to keep them separate. If you’re buying or refinancing your own home, that’s a separate conversation to the business finance here — see home loans for tradies for the personal side.
How Ausfirst Helps You Choose the Right Path
A strong application gives the lender a clear reason to say yes. Once the purpose of the loan is clear, the structure becomes easier to narrow down:
Define the Purpose
Start with what the business needs to fund, and how the money will be repaid.
Compare the Structure
Match the loan type to the job and repayment, across banks, non-bank and specialist lenders, weighing the rates, fees and trade-offs.
Prepare the File
Package a clear application for suitable lenders, manage their questions, and explain the options before you decide.
Why Builders and Tradies Choose Ausfirst
A few things set the Ausfirst approach apart for trade businesses:
Trade-Income Expertise
Uneven pay, progress claims and subcontractor work are read the way they actually happen, rather than forced into a standard salary box. That understanding is often the difference between a knockback and an approval.
Advisory Approach
The starting point is the purpose of the funding and how it’s repaid, not a single product to sell. As a finance advisory partner, the focus is matching the structure to the job.
Broad Lender Panel
Options are compared across banks, non-bank and specialist lenders, which widens what’s possible for self-employed and low-doc borrowers. One lender only ever sees its own policy.
Local Market Knowledge
Working across the Sunshine Coast and wider Australia brings a feel for local builders, projects and lenders — context that helps shape an application a lender can say yes to.
START WITH THE PURPOSE
Talk to a Builder and Tradie Finance Specialist
Whether it’s a ute, new gear, working capital or a build, the right structure starts with the purpose. Tell us what you’re funding, when you need it and what documents you have, and we’ll compare suitable options.
Visit Our Caloundra Office
Prefer to talk in person? We’re based in the heart of Caloundra and happy to sit down with you about your business finance.
FIND US
Ausfirst Lending Group
Suite 3/74 Bulcock Street
Caloundra QLD 4551
Phone: (07) 3916 7070
Open Monday to Friday, and by appointment.
Last reviewed: July 2026.
BUILDER & TRADIE FINANCE
Frequently Asked Questions (FAQs)
It covers vehicle finance, asset finance, cashflow lending, construction finance and low-doc options for self-employed borrowers. The right loan depends on what you are funding, how the business earns and how the money is repaid.
No. A home loan buys or refinances residential property. Builder finance usually relates to business costs such as vehicles, equipment, materials, wages, cashflow or a build. Some tradies need both, and they are assessed differently.
Possibly. Some lenders are open to newer self-employed borrowers, especially for asset finance where the asset helps secure the loan. Bank statements, invoices, contracts and business activity statements (BAS) can help support the file.
A single bank only assesses you against its own policy. Ausfirst Lending Group compares options across a panel of banks, non-bank and specialist lenders, which can help when you are self-employed, newly established, low-doc or asset-heavy.
What Makes Ausfirst Lending Group Different?
Finding the right home loan as an optometrist often requires a lending solution that reflects your profession, career stage, and long-term financial goals. At Ausfirst Lending Group, we take the time to understand your individual circumstances and compare suitable home loan options from our panel of lenders.
Whether you're purchasing your first home, upgrading to a new property, refinancing your existing mortgage, or building your property investment portfolio, we provide personalised guidance throughout every step of the process. We can also assess whether you may be eligible for professional lending benefits including reduced or waived Lenders Mortgage Insurance (LMI) and other lender-specific offers, where applicable.
Our goal is to make the home loan process straightforward and stress-free by providing clear advice, regular communication, and dedicated support from application through to settlement. Rather than offering a one-size-fits-all solution, we focus on helping you secure a lending option that aligns with your financial goals, borrowing needs, and future plans.
Whether you're purchasing your first home, upgrading to a new property, refinancing your existing mortgage, or building your property investment portfolio, we provide personalised guidance throughout every step of the process. We can also assess whether you may be eligible for professional lending benefits including reduced or waived Lenders Mortgage Insurance (LMI) and other lender-specific offers, where applicable.
Our goal is to make the home loan process straightforward and stress-free by providing clear advice, regular communication, and dedicated support from application through to settlement. Rather than offering a one-size-fits-all solution, we focus on helping you secure a lending option that aligns with your financial goals, borrowing needs, and future plans.
Explore Other Loan Solutions We Offer
We provide a wide range of lending options designed to suit different property goals, financial situations, and investment strategies. Whatever your needs, our team is here to guide you to the right loan solution.
Home Ownership Loans
For buyers and homeowners managing their own property needs.
First Home Loans
Get started on your homeownership journey with our first home loan options, crafted to help you secure your dream home.
Second Home Loans
Finance your next property with ease using our second home loan options.
Home Equity Loan
Leverage the equity in your home to unlock funds for renovation, investment, or other financial needs.
Refinancing
Review and enhance your current mortgage terms with our refinancing options, designed to save you money.
Changing Home Loans
Adapt your mortgage to suit your changing life circumstances with ease.
Bridging Loans
Bridge the gap between buying and selling with short-term loan solutions.
Investment Loans
Investment Loans
Explore our investment loan solutions designed to help you build and grow your property portfolio.
SMSF Loans
Utilise your self-managed super fund to invest in property with our specialised SMSF loan options.
Trust Loans
Secure funding for your trust's investment needs with our trust loan solutions, tailored for optimal outcomes.
Sophisticated Investor
Unlock exclusive lending opportunities tailored for sophisticated investors ready to scale.
Rentvesting
Live where you love and invest where it counts with our rentvesting strategies.
Holiday Home Loans
Own your dream holiday retreat with our tailored holiday home loan solutions.
Property Improvement
Renovation Loans
Transform your property with renovation loans tailored for projects of any size.
Green Home Loans
Finance eco-friendly homes or upgrades with our green loan products.
Commercial & Construction Loans
Commercial Loans
Secure finance for your business property needs with our commercial loan options.
Construction Loans
Access funds in stages as construction progresses.
Property Improvement
Green Home Loans
Finance eco-friendly homes or upgrades with our green loan products.
Renovation Loans
Transform your property with renovation loans tailored for projects of any size.
Tailored Loan Solutions for Professionals Across All Industries
We provide tailored lending options for healthcare workers, educators, tradespeople, legal professionals, and business owners—designed to suit the way you earn and work.
LMI Waived Loans For Medical & Healthcare Professionals
At Ausfirst Lending Group, we understand that medical and healthcare professionals need more than just a loan—they need a lending partner who appreciates their unique journey. Whether you're a doctor, nurse, dentist, or allied health specialist, we provide tailored home loan solutions with personal guidance, LMI waivers, and flexible options that fit your career and lifestyle. With Richard’s 30+ years of hands-on broking experience, we ensure your loan process is managed with care, transparency, and expertise from start to finish
Home Loans for Doctors
Designed to accommodate complex income structures like private practice, hospital rosters, and ABNs.
Home Loans for Nurses
Flexible loan terms aligned with shift work schedules and frontline service benefits.
Home Loans For Chiropractor
Mortgage options that recognise the cash flow patterns of clinic-based professionals.
Home Loans For Dentists
Lending solutions tailored for high-earning professionals with private practice considerations.
Home Loans For Pharmacists
Designed to support pharmacists navigating retail, hospital, or business ownership income structures.
Home Loans For Physiotherapists
Tailored lending for physiotherapists in private clinics or mobile practices.
Home Loans For Psychologists
Loan programs suited to private practice psychologists and those in multidisciplinary clinics.
Education Professionals
Educators play a vital role in shaping future generations, and we’re here to ensure their home loan journey is just as rewarding. Whether you're a school teacher, early childhood educator, university lecturer, or support staff member, we offer home loan solutions designed to recognise your dedication to the community. From exclusive lending benefits to flexible loan structures, we simplify the process so you can focus on what you do best—teaching and supporting others.
Home Loans for Teachers
Mortgage solutions that support educators with steady incomes and eligibility for LMI waivers.
Law Enforcement & Legal Professionals
For those who serve and protect—whether in law enforcement, emergency services, legal professions, or defence—navigating the home loan process should be as straightforward as possible. We offer tailored mortgage solutions that acknowledge the unique demands of your profession, providing structured lending benefits, flexible options, and personalised support.
From police officers and firefighters to lawyers and defence personnel, we’re here to simplify your path to homeownership with solutions designed around your service.
Home Loans for Lawyers
Structured home loans for legal professionals with scalable borrowing capacity as careers progress.
Home Loans for Police Officers
Reliable mortgage options designed for law enforcement with steady service incomes and allowances.
Specialised Loan Solutions
Low-Deposit Home Loans
Tailored for self-employed professionals and business owners who may not have traditional income verification.
100% Offset Home Loans
Take advantage of a 100% Offset Home Loan to minimise the interest you pay by linking your savings directly to your mortgage.
Family Guarantee Home Loans
With a Family Guarantee Home Loan, your parents or close family members can help you enter the property market by using their home equity as security.
Profession-Specific Home Loan Services
Home Loans for Tradies
Flexible lending for self-employed tradies with fluctuating incomes and contractor work history.
Self Employed Loans
Flexible lending tailored to business owners and freelancers with variable documented income.
Home Loans For Accountants
Structured loan solutions designed for accountants with layered income sources and business deductions.
Engineers
Lending options structured for engineers with contract-based or salaried employment structures..
Our Service Process
Understand
We begin by understanding your unique goals and needs through an initial consultation (via phone, Zoom, or in person).
Gather
We gather key information to validate your financial situation and lay the foundation for the right loan strategy.
Analyse & Plan
We carefully review your options and craft a lending strategy tailored to your specific needs and objectives.
Apply
We prepare and submit your application to the lender, ensuring everything is in order.
Finalise
We manage the settlement process, keeping you informed every step of the way and making sure everything proceeds seamlessly.
Support
We provide continuous support and review, offering updated loan options as your needs evolve over time.
Quality
We don’t just find you a loan that fits; we aim to get one that exceeds your expectations in terms of rates, options, and service.
Choice
We work with over 40 lenders, including big banks and non-bank lenders, giving you unparalleled mortgage choice—you have plenty of options to choose the most suitable home loan for you.
Support
Our team is dedicated to guiding you throughout your homeownership journey, whether it’s securing your first home or an additional investment property. We provide ongoing support, including a 6-month review process to keep your loan competitive.
Experienced Brokers
Every mortgage broker on our team has over 10 years of industry experience, ensuring expert advice every step of the way.
Personalised Approach
We tailor home loan solutions that prioritise your best interests, not the bank’s.
Simple Process
Our entire process is transparent and easy to understand, making the entire journey hassle-free.
Our Lenders
