Lending that works with your structure.
If your assets are held in a trust or company, the conversation with lenders is different from day one. Not every bank is comfortable lending into every structure, and the ones that are still want things documented a specific way.
What lenders look at.
Borrowing inside a trust or company isn't much harder. It is less common, so fewer lenders have the internal policy and risk appetite to handle it well. Discretionary (family) trusts are the most familiar to lenders and rarely cause problems. Unit trusts are usually fine. Hybrid trusts are harder, and bare trusts (used for SMSF lending) are a separate category.
Guarantees are the other consideration. Lending to a corporate trustee usually requires personal guarantees from the directors and appointors, and often from the adult beneficiaries as well. We review the guarantee scope before you sign and limit it to specific parties and amounts wherever we can.
Trust lending FAQs
Can I borrow in a discretionary trust for an investment property?
Is the interest rate higher for trust loans?
What if my trust deed is old?
Related pages
Ready to structure this properly?
Book a 30-minute discovery call. There's no cost or obligation, and you'll leave with a clear next step.