An ABN car loan is not one number — it is a stack. Brokerage, doc fees, lender margin and the headline rate each move independently. Here is what tradies actually pay, line by line.

Subbie days plus sole trader jobs. Two income streams, one borrower. Here's how a One Doc home loan reads a mixed tradie file in 2026 — and what stalls the deal.

Most tradies think "12 months ABN and you're fine." The truth is lenders score ABN age in distinct gates — 6, 12, 18 and 24 months — and each one unlocks a different approval lane.

Buying into a practice rarely fails on the property loan — it fails on sequencing. Get the asset and cashflow facilities set up first, in the right order, and the property loan lands cleanly. Reverse the order and you'll spend three months unwinding overlapping security positions.

The fit-out quote is approved. The finance isn't. Most clinic fit-out finance applications stall on the same six avoidable mistakes — quote structure, GST treatment, progress-claim timing, and how the lender reads the builder's contract. Fix these before you submit.

Three agencies. Six payers. No payslip. A locum GP applies for a home loan and the bank assessor stops at the income page. A One Doc home loan is built for exactly this profile — current AHPRA registration, an accountant declaration, and ABN-held income that adds up.

Imaging gear is the easiest medical asset to finance — and the most over-priced. Here is the lender view in 2026: which imaging classes pass approval cleanly under low doc, which stall, and how clinics structure CBCT scanners, ultrasound and radiology fit-outs without choking serviceability on the rest of the practice.

Lenders do not treat all doctors the same. A registrar, a VR-GP, a fellow and a consultant specialist each get assessed against different income templates — which directly changes the deposit, rate and approval window on a chattel mortgage for clinic equipment, fit-out or vehicles in 2026.

Heavy registrations are down 9.3% YoY and HVNL reform lands mid-2026. Here's how to sequence a truck, trailer and line of credit so each approval makes the next one easier — not harder.

An owner-driver running a discretionary trust does not have to refinance into a sole-trader name to qualify for a One Doc home loan — but the trustee-as-borrower mechanics and distribution income on the accountant's letter need to line up the way the lender expects.