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Landscaper / Gardener

Landscaper Home Loan Australia: Real Lending for Landscape Trade

Q: My income is highly seasonal. Will banks accept that?

Yes — annual BAS/tax returns smooth seasonal variation.

Q: I have monthly maintenance contracts. Does that help?

Yes — recurring maintenance contracts demonstrate stability.

Q: My equipment expenses reduce my taxable income significantly. Anything I can do?

Some lenders add back equipment depreciation. Plan tax timing carefully.

Q: How much can I borrow as a landscaper on $80K net?

On $80K net + 20% deposit: typically $520K–$650K.

Q: How much deposit will I need?

15–20% typical. 10% with LMI possible for stronger applicants.

Mortgagefy Broker Team · Published 2026-04-29 · Last reviewed 2026-04-29

Sole trader landscaper, gardening business, subcontract maintenance — Mortgagefy knows lenders who handle landscape trade income properly.

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Who this guide is for

Australian landscapers and gardening business owners on ABN wanting home loans that recognise seasonal trade income.

Sole trader landscapers with residential client bases
Garden maintenance contractors with regular monthly clients
Landscape design specialists with project-based billing
South Asian landscapers needing cultural support

The real challenge

Landscaping income tends to be seasonal — strong in spring/summer, quieter in winter. Major banks struggle with seasonal variation and conservative lender assessments understate annual capacity.

Specialist lenders use annual BAS and tax returns, smoothing seasonal variation.

How Mortgagefy helps

Mortgagefy works with lenders comfortable with landscaping trade income. We document seasonal annual consistency and identify lenders flexible with landscape ABN structures.

Free advice.

How it works — 4 simple steps

Free landscaper chat

20-minute call about your structure, BAS, seasonal patterns and target home.

Compare lender options

We identify lenders that maximise landscaper ABN borrowing.

Application package

We compile your tax returns, BAS, business statements and supporting documents.

Settle your home

Approval through to settlement with ongoing support.

Frequently asked questions

My income is highly seasonal. Will banks accept that?

Yes — lenders use annual BAS and tax returns, smoothing seasonal variation. Strong wedding/spring season averaged with quieter winter still gives strong annual income.

I have monthly maintenance contracts. Does that help?

Yes — recurring monthly maintenance contracts demonstrate income stability that lenders like. Combined with project work, it strengthens applications.

My equipment expenses reduce my taxable income significantly. Anything I can do?

Some lenders apply add-backs for equipment depreciation. Talk to your accountant about timing tax planning around home loan applications.

How much can I borrow as a landscaper on $80K net?

For a landscaper on $80K net (after expenses) with 20% deposit, $520K–$650K borrowing is commonly achievable.

How much deposit will I need?

15–20% typical with specialist lenders. 10% with LMI possible for stronger applicants with longer trading history.

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Free 20-minute call about your real options as a landscaper.

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