Landscaper Home Loan Australia | Garden ABN Mortgage | Mortgagefy
Speak to a Broker Now — 0432 634 648· Mon–Sat 9am–7pm
0432 634 648 Free Assessment

Landscaper Home Loan Australia: Real Lending for Landscape Trade

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

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

Start Your Free Assessment or call 0432 634 648

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

Australian Credit Licence 348324 · Authorised credit representative No. 532656 · MFAA member · No broker fees · Same-day response · See illustrative scenarios

Who this guide is for

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

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

1

Free landscaper chat

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

2

Compare lender options

We identify lenders that maximise landscaper ABN borrowing.

3

Application package

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

4

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?

Borrowing capacity for a landscaper depends on net income after expenses, debts, deposit and each lender's assessment, and a broker can model a figure for your situation.

How much deposit will I need?

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

Get a landscaper home loan assessment

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

Start Your Free Assessment Call 0432 634 648

Related guides

Self-Employed Home Loans Low Doc Loans Borrowing Power Calculators Home

Get your personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Model your scenarios: Use our free home loan calculators to estimate borrowing capacity, repayments, and savings.