️Self-Employed Tradies:

Here’s Why the Banks Don’t Get You — But I Do

When I was on the tools, I knew how hard I worked — 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’t 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 — the system is.

💬 Why Tradies Get Overlooked by Lenders

Most banks are built for the “safe” 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:

• “Come back when you have two years of tax returns.”
• “Your income is too inconsistent.”
• “We can’t use your company earnings.”

It’s frustrating — especially when you know you can afford the loan.

👷 I’ve Been There — And That’s Why I Built Truth Group

I’m Nick, a former tradie turned mortgage broker and buyer’s agent. I help self-employed people like you across South West Sydney get loans that actually work with your setup — not against it.

Because I’ve walked in your boots, I know how to:

• Use one year of financials to get you approved
• Set up tax-efficient loan structures for company/trust income
• Explain your business in a way lenders understand
• Help you buy smart if you’re also ready to invest in property

🧾 Why Structure Matters

Getting 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’re buying a home, refinancing, or investing, I’ll work alongside your accountant (or recommend one) to set things up properly from the start.

This includes:

• Offset accounts and redraw options for flexibility
• Interest-only options for investors
• Separating business and personal finances
• Avoiding cross-collateralisation to protect your equity

💬 Ready to Get Started?

If you’re tired of getting the runaround from the banks — or you just want to deal with someone who speaks your language — let’s chat.

I’ll break it down in plain English and help you move forward with confidence.

👉 Reach out to Truth Group today. Let’s build your future with a finance plan that fits your trade life.