Home loans for trusts and companies Lending through trusts and companies, set up properly
Buying property in a trust or company can suit some investors, but it changes how lenders assess you. We work alongside your accountant and solicitor to match the structure with the right lender.
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Who this suits
- Investors buying in a family trust or company
- Business owners whose income flows through a company or trust
- Existing trust portfolios that need refinancing
How it works
- Start with the advice you already haveYour accountant and solicitor recommend the structure. We don't give tax or legal advice.
- Check lender policyNot every lender lends to trusts or companies, and most require personal guarantees.
- Prepare the documentsTrust deed, company records and financials for the entity and guarantors.
- SettleWe coordinate signing by trustees and directors and the guarantees.
Things worth knowing
A corporate trustee changes the paperwork
Lenders handle individual and corporate trustees differently, which affects your options.
Guarantees are usually required
Directors and beneficiaries are commonly asked to guarantee the loan personally.
The trust deed must allow borrowing
Lenders read the deed, so an older deed may need updating first.
Documents you'll usually need
- The trust deed and any variations
- Company details and an ASIC extract
- Financials and tax returns for the entity and guarantors
- Photo ID for all directors and trustees
We'll confirm exactly what your lender needs, so you don't gather anything twice.
Calculators for this
Questions
Can a family trust get a home loan?
Many lenders lend to family trusts for investment property, with conditions such as personal guarantees.
Will owning in a trust change my tax or land tax?
It can. Ask your accountant before you buy.
Can you set up a trust for me?
We don't set up structures, but we work closely with accountants and solicitors who do.
General information only. It doesn't consider your objectives, financial situation or needs. Lending criteria, fees and charges apply.
Ready when you are.
Book a 20-minute call. We'll listen first, explain your options in plain English, and tell you what we'd do next.