Trust · Trust Loan

Lending structured around your trust, not against it

Discretionary trusts, unit trusts and corporate trustees each change how a lender assesses an application. We handle the structuring conversation with your accountant so the loan matches the trust deed, not the other way around.

Talk to a broker

Discretionary & unit trusts

Corporate trustee lending

Guarantor structures

Who it's for

Families using a discretionary trust for asset protection or tax planning
Investors buying property through a unit trust structure
Business owners whose accountant has recommended a trust for a purchase
Trustees who need a broker comfortable reading a trust deed, not just a payslip

How it works

The same clear process every time, shaped around this specific loan type.

1
Trust deed & structure review
We review the trust deed and borrowing powers alongside your accountant before approaching any lender.
2
Panel comparison for trust lending
Trust lending policies vary significantly between lenders we compare which ones will actually work with your structure.
3
Guarantor & security documentation
Where personal guarantees from trustees or beneficiaries are required, we manage that documentation clearly upfront.
4
Settlement in the trust's name
The loan and property settle correctly in the name of the trustee, on behalf of the trust.

What's included

Corporate & individual trustee lending

Whether your trustee is a company or an individual, we match you to lenders comfortable with that structure.

Guarantor loan structuring

Clear guidance on when and why a personal guarantee is required, and how it affects trustees individually.

Asset-protection aware

We structure lending in a way that respects why the trust exists in the first place not just to get a loan approved.

Works with your accountant

We coordinate directly with your accountant or trust adviser rather than duplicating that conversation.

Send us the trust deed early the borrowing clause alone can rule out or rule in half the lender panel before we even discuss rates.

Common questions

Can a trust borrow money the same way an individual can?

Yes, but the lender assesses the trustee's borrowing power under the trust deed, and often looks through to the beneficiaries it's a different assessment path to a standard personal application.

Do trustees have to personally guarantee the loan?

Often yes, particularly with a corporate trustee that has limited assets of its own. We'll tell you upfront if a lender requires this.

What documents will the lender want from the trust?

Typically the trust deed, any deed of variation, and evidence of the trustee's authority to borrow we compile this checklist with your accountant before submission.

Is this different from a normal home loan application?

Structurally yes the entity borrowing is the trustee, not you personally, which changes the paperwork and which lenders are a fit, even if the property itself is a standard purchase.

Ready to explore Trust Loan?

Talk to a broker Model trust loan repayments

Read a real client story like this