Helping Tradies & Sole Traders Get Their Dream Home
Securing the right loan should be a personal journey, not a transaction. That's why when you choose us, you deal directly with Richard, the founder, who brings over 30 years of hands-on experience managing diverse loan projects across Queensland.
Unlike larger brokerages where you become just another file number, Richard personally oversees every client's loan process—whether you're purchasing your first home, refinancing, expanding your investment portfolio, or acquiring commercial equipment. His extensive industry knowledge ensures you receive tailored advice, a smooth application experience, and solutions that align with your long-term financial goals.
We’re not just mortgage brokers; we’re your trusted lending partners. With a commitment to transparency, accessibility, and genuine care.
In other words, you are not passed between departments—you are looked after by someone who treats your financial success as his own.
Speak to Richard Today →Whether you're buying your first home, refinancing, or exploring loan options through a trust or SMSF, we’re here to guide you every step of the way. As your trusted Mortgage Broker in Brisbane and the Sunshine Coast, we offer personalised advice tailored to your needs.
Location: Suite 3/74 Bulcock St, Caloundra QLD 4551
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From first-time buyers to seasoned investors, we provide loan solutions designed to align with your property goals and financial situation. We’ll support you every step of the way.
For buyers and homeowners managing their own property needs.
Get started on your homeownership journey with our first home loan options, crafted to help you secure your dream home.
Start Your First Home Journey
Finance your next property with ease using our second home loan options.
Finance Your Next Property
Leverage the equity in your home to unlock funds for renovation, investment, or other financial needs.
Use Equity
Review and enhance your current mortgage terms with our refinancing options, designed to save you money.
Refinance and Save
Adapt your mortgage to suit your changing life circumstances with ease.
Adjust Your Loan Terms
Bridge the gap between buying and selling with short-term loan solutions.
Bridge Your Finance Gap
Explore our investment loan solutions designed to help you build and grow your property portfolio.
Start Investing Now
Utilise your self-managed super fund to invest in property with our specialised SMSF loan options.
Use SMSF to Invest
Secure funding for your trust's investment needs with our trust loan solutions, tailored for optimal outcomes.
Finance with Trust Structure
Unlock exclusive lending opportunities tailored for sophisticated investors ready to scale.
Access Advanced Lending
Live where you love and invest where it counts with our rentvesting strategies.
Learn About Rentvesting
Own your dream holiday retreat with our tailored holiday home loan solutions.
Buy a Holiday Home
Transform your property with renovation loans tailored for projects of any size.
Upgrade Your Home
Finance eco-friendly homes or upgrades with our green loan products.
Go Green with Financing
Secure finance for your business property needs with our commercial loan options.
Finance Your Business
Save thousands by avoiding Lenders Mortgage Insurance with our waived options and find out about our unique loan strategies.
See If You Qualify
Tailored for self-employed professionals and business owners who may not have traditional income verification.
Simplified Documentation Loans
Take advantage of a 100% Offset Home Loan to minimise the interest you pay by linking your savings directly to your mortgage.
Reduce Interest
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.
Leverage Family SupportOur streamlined loan process ensures you're guided from initial consultation through to settlement and ongoing support. We handle the details, so you can focus on securing the right loan with clarity and confidence.
We begin by understanding your unique goals and needs through an initial consultation (via phone, Zoom, or in person).
We gather key information to validate your financial situation and lay the foundation for the right loan strategy.
We carefully review your options and craft a lending strategy tailored to your specific needs and objectives.
We prepare and submit your application to the lender, ensuring everything is in order.
We manage the settlement process, keeping you informed every step of the way and making sure everything proceeds seamlessly.
We provide continuous support and review, offering updated loan options as your needs evolve over time.
As a tradie, your income structure and work demands often differ from the norm, requiring a home loan solution that fits your unique circumstances. Whether you’re a carpenter, electrician, or plumber, securing the right mortgage can help you own a home or invest in property without disrupting your financial stability. Home loans for tradies are designed to accommodate fluctuating incomes and contract work, providing flexibility and tailored options to help you achieve your goals.
At Ausfirst Lending, we understand the challenges in getting a mortgage as a sole trader and navigating the home loan process with non-traditional income structures. That’s why we specialise in connecting you with tradie-specific mortgage lenders who value your profession and earning potential. Our personalised approach ensures you access tailored tradie home finance solutions, empowering you to build your future with confidence and ease.
Tradie home loans provide distinct advantages to help you secure a home or grow your property portfolio:
Many tradies have income patterns that vary due to seasonal work or contract jobs. Home loans for tradies take these fluctuations into account, offering flexible repayment options aligned with your cash flow. This ensures you can fulfil your financial obligations without undue stress.
Traditional loans often require extensive documentation, which can be difficult for self-employed tradies to provide. Low-documentation or low-doc home loans for tradespeople are specifically designed for situations where full financial records aren’t available. With these loan options, you can use alternative documents like bank statements or income declarations, making it easier to secure financing.
Ausfirst Lending Group is proud to be recognised as a finalist in the 2024 Sunshine Coast Business Awards under the Professional Services category, showcasing our commitment to excellence and dedication to serving the community with integrity and expertise.
While tradie-specific home loans offer flexibility and support, there are challenges and risks to consider when applying. Understanding these potential obstacles will help you make better financial decisions:
Banks often hesitate to approve loans for tradies due to the irregular nature of their income. Even financially stable tradespeople may face difficulties meeting rigid documentation requirements. Fortunately, specialist tradie-specific mortgage lenders can offer more flexible solutions tailored to your unique income structure.
Low-doc home loans for tradespeople are a great option when you cannot provide complete financial records, but they often come with higher interest rates. Be sure to evaluate the long-term costs and determine if this option aligns with your financial goals.
Irregular cash flow or gaps between contracts can lead to additional scrutiny from lenders. Maintaining strong financial records, including bank statements and tax returns, can demonstrate consistency and improve your approval chances.
Qualifying for a tradie home loan involves meeting specific criteria that prove your financial stability and professional credibility. Knowing these requirements will help you prepare a strong application:
Providing documentation like bank statements, tax returns, and invoices is key to proving your income stability. Lenders typically require evidence from at least the past two years.
A good credit score signals financial responsibility and increases your chances of securing a loan. Addressing any outstanding debts or defaults beforehand can significantly improve your application.
Lenders often require tradies to have a valid Australian Business Number (ABN) to demonstrate that they operate a legitimate business. A stable ABN history adds credibility to your application.
Our brokers at Ausfirst Lending specialise in connecting tradespeople like you with lenders who understand the unique financial circumstances of your profession.
Whether you’re looking to buy your first home, refinance your mortgage, or invest in property, we’ll guide you through a smooth application process, ensuring you secure a loan that suits your lifestyle and goals.
At Ausfirst Lending Group, you are our top priority. We are dedicated to providing comprehensive assistance from start to finish, not just because we are legally obligated to act in your favour, but because we genuinely want to ensure your success.
We focus on your objectives and requirements, and combine deep industry knowledge with a strong commitment to finding loan options that truly align with your financial needs. We simplify the entire loan application process by assessing your borrowing capacity, organising documentation, and negotiating terms on your behalf, all while securing the most favourable outcomes for you.
One of the key benefits of working with Ausfirst Lending is our access to a diverse range of lenders. Instead of presenting just one option, we assess a broad array of options according to your financial needs. This allows us to tailor solutions that match your specific goals and circumstances, ensuring you get the best possible outcome.
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.
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.
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.
Every mortgage broker on our team has over 10 years of industry experience, ensuring expert advice every step of the way.
We tailor home loan solutions that prioritise your best interests, not the bank’s.
Our entire process is transparent and easy to understand, making the entire journey hassle-free.
Yes, you can. Many lenders offer home loans specifically designed for tradespeople with irregular or fluctuating incomes. By providing supporting documents like bank statements, invoices, and tax returns, you can demonstrate your earning potential and secure a loan. Consulting a mortgage broker can help you find lenders who understand the nature of your work.
A low-doc loan, or low-documentation loan, is ideal for self-employed tradies who may not have traditional proof of income, like payslips. With this, you can use alternative documents such as bank statements, Business Activity Statements (BAS), or a declaration of income. While these loans often come with slightly higher interest rates, they offer flexibility and accessibility when full financial records aren’t available.
Having a deposit of at least 20% is beneficial, as it helps you avoid Lenders Mortgage Insurance (LMI) and improves your chances of approval. However, many lenders offer mortgage options for tradies with smaller deposits, though these may include additional costs. Saving as much as you can will give you more flexibility when choosing a loan.
You’ll typically need your tax returns for the past two years, bank statements, and evidence of your Australian Business Number (ABN). Some lenders may also ask for proof of ongoing contracts or work invoices to verify income consistency. Having these documents organised in advance will make the application process smoother and quicker.
Your credit history plays a key role in determining your loan eligibility and the interest rate offered by lenders. A strong credit score demonstrates financial responsibility and can help you secure a better deal. If your credit score needs improvement, paying off existing debts and addressing any defaults can enhance your chances of approval.
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Ausfirst Lending Group Australian Credit Licence Number: 387366 | ABN: 68 845 798 048
Finsurance Pty Ltd t/a Ausfirst Lending Group credit representative number 414391. Finsurance Pty Ltd is a credit representative of Oshawa Pty Ltd Australian Credit Licence number 387366. AFCA 42404
Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.
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