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Home Loans for Builders & Construction Business Owners

By the Mortgagefy Team · Published 29 April 2026 · Last reviewed 29 April 2026

You build homes for everyone else but can't get one yourself? Builder ABN income, project-based billing, equipment depreciation — Mortgagefy knows lenders who handle builder lending properly.

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Free, no obligation. Conditions apply. Eligibility, lending criteria, fees and charges apply and vary by lender. General information only, not credit advice.

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Who this guide is for

Australian builders running their own construction businesses — domestic, commercial, renovation specialists — wanting home loans that recognise builder ABN income.

The real challenge

Builders face the classic self-employed lending paradox — strong cash flow, real assets, equipment expenses, but tax returns that don't reflect actual financial capacity. Major banks decline. They look at the bottom line and stop.

Specialist lenders understand builder income — particularly with 2+ years of BAS, equipment depreciation add-backs, and consistent project pipelines.

How Mortgagefy helps

Mortgagefy works with lenders who specifically handle builder ABN income. We document trading consistency, apply equipment and vehicle depreciation add-backs, and identify lenders flexible with builder cash flow patterns.

Free advice. Honest assessment.

How it works — 4 simple steps

1

Free builder chat

20-minute call about your business structure, BAS history, current contracts and target home.

2

Compare lender options

We identify lenders comfortable with builder income — full-doc, alt-doc, low-doc.

3

Application package

We compile your tax returns, BAS, business bank statements and equipment documentation.

4

Settle your home

Approval through to settlement with ongoing support.

Frequently asked questions

My business turnover is $1.5M but tax return shows $90K. Will banks lend?

Most major banks won't — but several specialist lenders use alt-doc structures based on BAS turnover or accountant's declaration. Add-backs for equipment depreciation often increase assessable income significantly.

How long do I need to be in business?

Many lenders want 2 years of BAS and tax returns. Some lenders accept 12–18 months for low-doc/alt-doc structures with stronger documentation elsewhere.

My equipment loans reduce my borrowing capacity. Anything I can do?

Some lenders treat business-purpose equipment loans differently from personal debt. We choose those lenders to maximise your home loan capacity.

How much can I borrow on $150K builder net income?

For a builder on $150K net (after expenses + add-backs) with 20% deposit, $1M–$1.2M borrowing is commonly achievable.

I want to build my own home using my own building business. Any issues?

Construction loans where you're the owner-builder are possible but more complex. Lenders may want detailed cost estimates, project plans and stronger equity. We can guide owner-builder construction lending.

Get a builder owner home loan assessment

Free 20-minute call about your real options as a builder. We know lenders that work for construction businesses.

Start Your Free Assessment Call 0432 634 648

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