Running your own gig? No payslips? No worries. We get how self-employed income works and we’re ready to help.
Banks want regular payslips and a “stable” job.
You’ve got ABN income, business expenses, and up-and-down months.
They don’t understand how self-employed tradies actually earn but we do.
Our in-house brokers specialise in helping self-employed tradies get approved even when the banks say no.
Types of Loans We Can Help With
- Self-Employed Home Loans
- Low Doc Loans
- ABN & Company Loans
- Refinancing & Equity Release
- Construction & Investment Loans
- First Home & Bad Credit Loans
Whether you’re a chippy, sparky, plumber or builder we’ll make the numbers make sense for lenders.
💸 Stop Overpaying on Your Home Loan
If you’ve been with the same lender for years, chances are you’re paying way more than you should. It’s time to refinance with better interest rates.
✅ 🏦 We compare lenders to find you a sharper rate
✅🏦 Lower your monthly repayments without the stress
✅🏦 Unlock cash through equity release if you need it
Most people don’t even realise they can save thousands a year just by refinancing. We’ll handle the paperwork and get you a better deal without the runaround.
How It Works
Home Loans Made Simple
1
Fill in a 30-second form
2
A real broker from our team will reach out
3
They talk you through home loan options that work for your setup
✅ No banks. No BS. Just real advice that gets results.
- Run their own business under an ABN
- Get paid by invoice or progress payments
- Write off expenses and have “low taxable income”
- Have complex structures (trust, company, sole trader)
- Are sick of explaining themselves to brokers and banks
🧱 Loan Types We’ll Explain & Compare
🔹 Variable Loans – Offset + redraw
🔹 Fixed Rate Loans – Predictable repayments
🔹 Split Loans – Stability + flexibility
🔹 Low Doc Loans – No full tax returns needed
🔹 Equity Loans – Tap into existing property
🔹 Interest-Only Loans – Keep repayments low
🔹 Line of Credit – Ongoing access to funds
We’ll guide you to the right option!
Testimonials
Trusted by Tradies Across Australia
“Richard Waddington (LoanHub) provided valuable insights and a clear framework for us to make a smarter decision about our Variable & Fixed mortgage rate options instead of tossing a coin and hoping for the best. Richard’s ability to listen to our needs and his background as an Institutional advisor gave us confidence he was an Interest rate specialists and we would happily recommend him to others.”
FJ
Fady & Jackie Daher
Verified Customer • LoanHub
“Over many years I have relied upon Richard’s knowledge and understanding of interest rates, he has over 25 years direct experience in financial markets and developed a superb understanding of market cycles. By leveraging his Institutional experience and clear understanding of the interest rate cycle, I have been able to structure better outcomes and make smarter Variable & Fixed rate decisions when borrowing funds to purchase property and expand my business. In my view, Richard fills a gap in the market for everyday borrowers who need quality guidance on interest rates and a smarter approach to structuring their mortgage rates options – Richard’s background and experience provide the solution to fill that gap.”
MG
Matthew Gilmour
Ozforex Founder • LoanHub
“As a fund manager overseeing more than $20bn in equity portfolios, it is important to have an understanding of the economic environment and interest rate cycle. Richard Waddington’s insights and expertise over many years have helped keep our team consistently informed of prevailing interest movements and changes in expectations and policy. He is regarded as an authority in this area. We have had access to Richard’s expertise for 18 years and would not hesitate to recommend LoanHub’s specialist services to anyone who needs help in making informed decisions regarding Variable & Fixed mortgage rates.”
MW
Morry Waked
Vinva Investment Management • Product Review
🚀 See What You Can Get Approved For
We’ve helped thousands of self-employed tradies get approved even when income is messy, or the paperwork is tough.
🔒 Free quote | 100% confidential | Fast answers
✔️ In-house tradie finance experts
✔️ X+ successful approvals
✔️ No upfront fees
✔️ No credit check to get started
