How we helped a tradie buy an investment property

How we helped a self employed tradie get a loan from Wave Money that helped him buy an investment property.

For servicing we used  Wave Money Accountant’s Declaration, a simple one-page form that:

• Doesn’t require the accountant to state or verify an income figure
• Simplifies the submission process for self-employed clients

This streamlined approach gave a fast result without the back-and-forth often seen with traditional Alt Doc verification.

Step 2: Servicing that reflects reality

Wave Money applies commonsense and a future perspective to self-employed investor clients. 

• Actual repayments (No buffers) on existing loansExisting loans assessed at actual repayments
• Calculated on 25-year P&I basis
• No additional buffer applied 
• Credit card flexibility that makes senseMichael runs his business expenses through a credit card with an $80k limit, using the 55-day interest-free period and rewards points that fund two trips a year.
• Other lenders flagged that limit as a problem — adding 3.5% of the credit card limit into servicing and requiring the card be reduced or cancelled.

 

Wave Money took a different view

Statements showed the card had been paid in full for three consecutive months, demonstrating discipline and no ongoing exposure.

So, we applied a $0 card balance in servicing.

 

The Outcome

✅Loan serviced at NSR 1.14 (Investor minimum 1.10)

✅No card reduction or cancellation required

✅Alt Doc income accepted via Accountant’s Declaration

✅Loan Approved

Do paychecks kill creativity?

The real difference between an employee and an entrepreneur isn’t talent.

It’s posture.

Employees tend to wait:

• For direction
• For approval
• For the next pay rise

They follow the rules.

They protect their role.

Entrepreneurs don’t wait.

They scan for problems worth solving.

They ask:

• What needs to be done?
• Where’s the opportunity?
• How can I add value?

When you’re paid for time, thinking becomes optional.

When you’re paid for outcomes, creativity is mandatory.

🔥 Why “Focus on One Thing” Isn’t Always the Play — The Triple Play (Powered by Referron)

We’re often told:

“Pick one thing. Focus. Dominate.”

And a lot of businesses thrive on that.

But not all greatness comes from narrowing.

Sometimes, it comes from integrating.

@jtfoxx was speaking with Gerald Mwangi at megsuccess20  who’s scaling his tradie business toward a $300M+ valuation, and he shared a completely different philosophy:

🔺 The Triple Play Model

Instead of one vertical, he’s built three complementary service lines:

• Electrical

• Plumbing

• Roofing

Why it works:

✔ One client → three revenue streams

✔ Easier cross-sell / bundled value

✔ Clients prefer a single trusted provider

✔ Private equity loves diversified income

✔ Shared backend + KPIs → operational leverage

This isn’t “doing more things.”

It’s building an integrated ecosystem.

⸻

🔁 Translating This to Financial Services

Imagine Accounting + Mortgage Broking + Financial Planning

…not as three companies loosely referring clients,

but as one coordinated value engine.

The client gets:

• One relationship

• One strategy

• One experience

• One trusted ecosystem

The business gets:

• Higher lifetime value

• More referrals

• A stronger valuation multiple

• Faster growth without cold prospecting

⸻

🚀 Where Referron Fits In

To execute this model, you need more than multiple services.

You need connections, coordination, and trust.

That’s where Referron comes in:

✨ Connects professionals into shared referral ecosystems

✨ Tracks cross-service intros and outcomes

✨ Creates warm handovers, not just leads

✨ Makes customer journeys visible across the network

With Referron, the “triple play” becomes:

One ecosystem. Multiple specialists. Shared customers. Measurable referrals.

It turns separate professionals into one cohesive growth machine.

⸻

📌 The New Model of Scaling

Focus builds expertise.

Integration builds empires.

The future belongs to ecosystems—not silos.

If you’re building a multi-service offering in financial services, trades, consulting, or professional services, let’s talk.

This is exactly what Referron was built for.

#referron #ecosystemeconomy #referrals #businessgrowth #privateequity #financialservices #entrepreneurship