I'm a gym-contracted PT on ABN. Will banks lend?

Yes — through specialist lenders. 2 years BAS + tax returns.

My client bookings vary month to month. Will lenders accept that?

Annual consistency matters more than month-to-month variation.

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

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

I run online coaching too. Does that count as income?

Yes — online coaching income counts if in BAS/tax returns. Subscription income similar to other PT income.

Will gym chair fees reduce my assessable income?

Yes — gym chair fees deducted as expenses. Net income is what counts.

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Personal Trainer

Personal Trainer Home Loan Australia: Real Lending for Fitness Industry

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

Personal trainer income — gym contractor ABN, irregular client billing, multiple gyms — banks default to conservative assessments. Mortgagefy knows lenders who handle PT income properly.

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Who this guide is for

Australian personal trainers — gym contractors, online coaches, fitness business owners — wanting home loans that recognise PT income.

Gym-contracted PTs paying gym chair rental on ABN
PTs running their own fitness business with multiple clients
Online fitness coaches with subscription/membership income
South Asian PTs needing cultural support

The real challenge

Personal trainer income shares challenges with other ABN small business owners. Variable client billing, gym chair fees as expenses, sometimes multiple gyms — major banks struggle.

Specialist lenders treat PT income similarly to other small business income with 2+ years BAS and tax returns.

How Mortgagefy helps

Mortgagefy works with lenders comfortable with personal trainer income. We document trading consistency, identify lenders flexible with PT income variation, and present applications that maximise borrowing.

Free advice.

How it works — 4 simple steps

Free PT chat

20-minute call about your structure, gym(s), income and target home.

Compare lender options

We identify lenders comfortable with PT income.

Application package

We compile your tax returns, BAS, business bank 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 personal trainer home loan assessment

Free 20-minute call about your real options as a fitness industry professional.

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