Buy property
in a company or trust — correctly.
Entity lending is not just another home loan. Policy, tax considerations, servicing method, documentation, and lender appetite all change. We structure it cleanly so approvals are smoother — and the setup stays workable long-term.
The lender matters — but the entity setup matters more.
Company and trust loans can fall over for predictable reasons: missing documents, unacceptable structures, servicing assessed differently, or a lender simply not liking the scenario. We map your entity, income, and security position — then match it to the lenders most likely to approve.
What a proper company / trust review covers
You get clarity on what the lender will want to see, what to fix before submission, and the cleanest approval pathway — without guesswork.
Where entity loans commonly go wrong
These are the predictable reasons entity applications get slowed down or declined — and exactly what we clean up before submission.
Docs missing or inconsistent
- Trust deed or company constitution not provided or outdated
- Minutes or resolutions not prepared correctly
- ABN, GST, IDs, and structure details incomplete
Servicing assessed differently
- Director income and add-backs treated conservatively
- Entity trading history not lender-acceptable
- Buffers create surprise declines late in the process
Guarantees and exposure overlooked
- Existing guarantees not disclosed early
- Cross-collateral exposure surprises the lender
- Security or ownership splits do not fit policy
Company & trust snapshot
Tap or hover the checks below to learn more.
Want clarity before you commit?
We’ll tell you what the lender will want — and the cleanest next step.
OUR APPROACH
How we get company & trust lending approved cleanly
We keep it practical: confirm the entity story, build a lender-ready document pack, then match you to the lenders most likely to approve — with the cleanest pathway.
Confirm the entity setup
We map directors, beneficiaries, purpose, trading profile if relevant, and how the loan should be structured.
Build the doc pack
Deeds, constitutions, minutes, IDs, ABN/GST, financials, and accountant letters — organised and lender-ready.
Match lender + submit cleanly
We choose lenders that fit policy and servicing, then submit a clear story to avoid avoidable conditions.
FAQ
Common company & trust lending questions
The questions that matter most usually come down to policy fit, servicing, documentation, and guarantees.
Can all lenders do trust or company loans?
No. Lender appetite varies a lot. Some are comfortable with entity borrowing, while others are much more restrictive or selective.
Are the documents different to a normal home loan?
Yes. Entity loans usually require extra documents such as deeds, constitutions, minutes, financials, structure evidence, and sometimes accountant support.
Is servicing assessed differently?
Usually yes. Director income, company income, trust distributions, and add-backs may all be treated differently depending on the lender.
Do directors or individuals still need to guarantee the loan?
Often they do. Guarantees and existing exposure need to be reviewed early so they do not become a late-stage issue.
WHO THIS IS FOR
Best for borrowers who want the entity structure handled properly
Company and trust lending works best when the structure, lender policy, and documentation are aligned before submission.
- Need clarity on buying or refinancing in a trust or company
- Want the lender fit matched to your entity structure
- Need help preparing the right document pack upfront
- Prefer a clean, broker-led process with fewer surprises
- Want to rush ahead without checking policy fit first
- Assume any lender will assess entity income the same way
- Do not want to prepare entity documents properly
- Only care about headline rate and not approval structure
Ready to review the structure properly?
Request a company / trust lending check or call directly.