Trust Loans
Lending tailored to trusts
Lending tailored to discretionary or unit trusts, including guarantor and company trustee scenarios with the right documentation.
What makes trust lending different
- Requires trust deed review and often certified copies.
- Company trustee and guarantor requirements add layers.
- Not all lenders accept all trust types — policy navigation matters.
- Servicing calculators vary in shading and treatment of distributions.
Key considerations
- Correct structuring to keep deductibility clear (seek tax advice).
- Guarantor liability: directors or beneficiaries often must sign.
- Extra documentation: deeds, resolutions, ASIC extracts, IDs.
- Lender choice depends on trust type (discretionary, unit, hybrid, SMSF).
We coordinate between accountant, solicitor and lender to streamline the approval process.
Run the numbers
We’ll test serviceability under different lender policies, factoring in distributions, shading and guarantor commitments.
Open calculatorsYour step‑by‑step path
- Review trust deed & documents — verify trust powers, beneficiaries and trustee capacity.
- Confirm guarantors — directors/beneficiaries sign where required.
- Serviceability test — model with lender calculators, distributions and buffers.
- Lender selection — pick policy‑aligned lender and product features.
- Approval & settlement — manage deed certification, guarantor docs and clean handover.
FAQs
Need tailored trust loan advice?
Book a quick chat. We’ll align structure, documents and lender choice to your trust’s needs.
Prefer email? Contact us and we’ll respond quickly.