My income is highly seasonal. Will banks accept that?

Yes — annual BAS/tax returns smooth seasonal variation.

I have monthly maintenance contracts. Does that help?

Yes — recurring maintenance contracts demonstrate stability.

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

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

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

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

How much deposit will I need?

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

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Landscaper / Gardener

Landscaper Home Loan Australia: Real Lending for Landscape Trade

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

We use offer letters and vesting schedules to value RSUs conservatively. We present current vesting value + projected future vesting as a 3-5 year income average. This gives lenders confidence in your income stability while accounting for market volatility.

Both. We work with W2 employees, 1099 contractors, and consultants. For contractors, we use 2 years of tax returns plus business financials. We have lenders who specialise in contractor income—they understand the variability.

Unvested options have zero value for refinancing. We count only vested equity. If you have a 4-year vest, we use 25% of the grant value (what's vested) plus a conservative projection of future vesting.

If you've been in your new role 6+ months, most lenders will refinance. We'll use your offer letter plus 6 months of pay stubs. If less than 6 months, it's harder but possible with specialist lenders.

Yes, if you have 2+ years of bonus history. We average the past 2 years and present it conservatively. Some bonuses get counted at 50% to be conservative with variable compensation.

ESPP is counted as deferred compensation. If your company matches or you have a discount, we value it as part of total compensation package.

Get a landscaper home loan assessment

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

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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.