🏡 Sole Trader Home Loans That Actually Get Approved

No payslips. No employer. No problem. If you’re a sole trader, we’ll help you get a home loan that actually works for your setup.

❌ Why Sole Traders Struggle With Home Loans

Most banks and brokers want 9–5 income and clean payslips.

As a sole trader, you’ve got jobs coming in, invoices out, and deductions that make your income “look low.”

They don’t understand how trade businesses operate but we do.

We specialise in sole trader home loans for tradies and we know how to get you approved.

Types of Loans We Can Help With

Whether you’re one bloke and a ute or growing your business we’ll help you secure the loan you deserve.

💸 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

Fill in a 30-second form

One of our in-house brokers will contact you directly

They’ll show you real options based on your sole trader income

✅ We cut through the red tape. You get real answers, fast.

🎯 This Is For Sole Traders Who:

Work under their own ABN
Get paid per job, invoice or cashflow
Claim business expenses that reduce taxable income
Are buying, refinancing, or want to invest
Are tired of being told “your income isn’t enough”

🧱 Loan Types We’ll Explain & Compare

🔹 Variable Loans – Flexibility and offset
🔹 Fixed Rate Loans – Steady repayments
🔹 Split Loans – Mix of fixed + variable
🔹 Low Doc Loans – BAS, bank statements, not payslips
🔹 Equity Loans – Unlock your home’s value
🔹 Interest-Only Loans – Lower short-term repayments
🔹 Line of Credit – Tap into cash when needed

We help you pick the right one for how you earn and what you want to do next.

Testimonials

Trusted by Tradies Across Australia

See what Aussie business owners say about Tradiespace

“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.”

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.”

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.”

Morry Waked

Vinva Investment Management • Product Review

🚀 See What You Can Get Approved For

We help sole traders across Australia get approved even with messy tax returns or low-doc setups.

🔒 Free quote | 100% confidential | Fast answers

✔️ In-house tradie finance experts
✔️ X+ approvals for ABN holders
✔️ No upfront fees
✔️ No credit check to get started

Types of Loans We Can Help With

💸 Stop Overpaying on Your Home Loan