[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/truthgroup.com.au\/2025\/05\/23\/%ef%b8%8fself-employed-tradies\/#BlogPosting","mainEntityOfPage":"https:\/\/truthgroup.com.au\/2025\/05\/23\/%ef%b8%8fself-employed-tradies\/","headline":"\ufe0fSelf-Employed Tradies:","name":"\ufe0fSelf-Employed Tradies:","description":"Here\u2019s Why the Banks Don\u2019t Get You \u2014 But I Do When I was on the tools, I knew how hard I worked \u2014 long hours, jobs back-to-back, running my own business and chasing invoices. But when I went to apply for finance, the banks looked at me like I didn\u2019t fit their neat little \u2026 Read: \ufe0fSelf-Employed Tradies:<\/a>","datePublished":"2025-05-23","dateModified":"2025-05-23","author":{"@type":"Person","@id":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/#Person","name":"Nicholas Parpis","url":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/","identifier":216551164,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Truth Group Pty Ltd","logo":{"@type":"ImageObject","@id":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/TRUTH-GROUP-2.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/TRUTH-GROUP-2.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/i0.wp.com\/truthgroup.com.au\/wp-content\/uploads\/2025\/05\/image-8.png?fit=1024%2C768&ssl=1","url":"https:\/\/i0.wp.com\/truthgroup.com.au\/wp-content\/uploads\/2025\/05\/image-8.png?fit=1024%2C768&ssl=1","height":768,"width":1024},"url":"https:\/\/truthgroup.com.au\/2025\/05\/23\/%ef%b8%8fself-employed-tradies\/","about":["Latest Post"],"wordCount":437,"keywords":["Brand new homes","Buyers Agents Hoxton Park","Buyers Agents South West Sydney","First Home & Next Home Buyers","First Home and Next Home Buyers","House and land packages","House and land packages NSW","mortgage broker","mortgage planner","mortgage planning","Property investing"],"articleBody":"Here\u2019s Why the Banks Don\u2019t Get You \u2014 But I DoWhen I was on the tools, I knew how hard I worked \u2014 long hours, jobs back-to-back, running my own business and chasing invoices. But when I went to apply for finance, the banks looked at me like I didn\u2019t fit their neat little boxes. No payslips? No regular 9-to-5? Too bad.Sound familiar?If you’re a self-employed tradie trying to buy a home or invest in property, I want you to know this: you are not the problem \u2014 the system is.\ud83d\udcac Why Tradies Get Overlooked by LendersMost banks are built for the \u201csafe\u201d borrower: the one with PAYG income and years in the same job. But if you’re a plumber, sparky, carpenter, or any other trade professional working for yourself, your income might be irregular, seasonal, or flow through a trust or company. That makes traditional lenders nervous.Even if you’re earning good money, you might be told:\u201cCome back when you have two years of tax returns.\u201d\u201cYour income is too inconsistent.\u201d\u201cWe can\u2019t use your company earnings.\u201dIt’s frustrating \u2014 especially when you know you can afford the loan.\ud83d\udc77 I\u2019ve Been There \u2014 And That\u2019s Why I Built Truth GroupI\u2019m Nick, a former tradie turned mortgage broker and buyer\u2019s agent. I help self-employed people like you across South West Sydney get loans that actually work with your setup \u2014 not against it.Because I\u2019ve walked in your boots, I know how to:Use one year of financials to get you approvedSet up tax-efficient loan structures for company\/trust incomeExplain your business in a way lenders understandHelp you buy smart if you\u2019re also ready to invest in property\ud83e\uddfe Why Structure MattersGetting the loan is only step one. The right structure can save you thousands in tax and interest over the life of your loan. Whether you\u2019re buying a home, refinancing, or investing, I\u2019ll work alongside your accountant (or recommend one) to set things up properly from the start.This includes:Offset accounts and redraw options for flexibilityInterest-only options for investorsSeparating business and personal financesAvoiding cross-collateralisation to protect your equity\ud83d\udcac Ready to Get Started?If you\u2019re tired of getting the runaround from the banks \u2014 or you just want to deal with someone who speaks your language \u2014 let\u2019s chat.I\u2019ll break it down in plain English and help you move forward with confidence.\ud83d\udc49 Reach out to Truth Group today. Let\u2019s build your future with a finance plan that fits your trade life."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"2025","item":"https:\/\/truthgroup.com.au\/2025\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"05","item":"https:\/\/truthgroup.com.au\/2025\/\/05\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"23","item":"https:\/\/truthgroup.com.au\/2025\/\/05\/\/23\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"\ufe0fSelf-Employed Tradies:","item":"https:\/\/truthgroup.com.au\/2025\/05\/23\/%ef%b8%8fself-employed-tradies\/#breadcrumbitem"}]}]