What changed for tradie finance on 1 July 2026, what stayed the same, and why FY27 makes asset buying a year-round plan rather than a deadline.

Lease or buy your FY27 work ute before a One Doc home loan? See how an operating lease and a chattel mortgage each read on your serviceability.

Under $20,000 an FY27 asset is an instant write-off; at or over it joins the small business pool. How each cost tier reads, and why finance stays the same.

With the write-off announced permanent from FY27 but not yet law, time a work ute or van on condition, cashflow and the job book, not the 30 June calendar.

Stage a year of FY27 plant and equipment buys with low doc asset finance, now the instant asset write-off is announced permanent from 1 July 2026.

Match the right finance to each stage of an FY27 build, from land and construction to completion, hold or sell. General information only.

How a partner's income can carry a One Doc home loan while a self-employed builder's own income is tied up in an unfinished FY27 build.

How much equity you need to start a FY27 build, what a lender counts as your contribution, and where a second mortgage to release equity fits.

A caveat loan is a short-dated tool with a clear exit event, not build funding. What it can and cannot do when you plan a FY27 build.

Your FY27 build end debt is the take-out finance that replaces a construction loan at completion. How to weigh refinancing to hold versus selling.