Company & Trust Lending in Marrickville

2 min read

May 11, 2026 11:45:00 AM

Why More Borrowers Are Exploring Company & Trust Lending Solutions

If you’ve recently looked into purchasing property through a company or trust structure, you may have noticed things have become more complicated.

Across the market, many traditional lenders have tightened policies around company and trust entities, making approvals more difficult for some borrowers, especially self-employed Australians, business owners, and investors.

At Rate Money Marrickville, company and trust lending solutions are a bit of a hot topic right now.

Because while company and trust structures remain common for investment and business purposes, they don’t always fit neatly within standard lending policies anymore.

Why Borrowers Use Company and Trust Structures

For many self-employed Australians and investors, a company and trust structure can offer flexibility around:

Asset ownership
Investment planning
Tax structuring
Business operations
Long-term portfolio growth

According to the Australian Taxation Office (ATO), trusts and companies continue to play a significant role across Australian private investment and business structures.

In areas like Marrickville and Sydney’s Inner West, many business owners and investors already operate this way.

Why Approvals Are Becoming More Difficult

Over the past year, several major lenders have adjusted policies relating to company and trust entities.

This has impacted:

Borrowing capacity
Documentation requirements
Acceptable entity structures
Available LVR options

Industry reporting from Broker Daily highlights that a number of banks have continued tightening trust lending policies as market conditions shift.

For borrowers, this can often mean:

More paperwork
More scrutiny around income
Reduced flexibility through mainstream lending channels

Understanding LVR Options and Alternative Income Verification

One of the biggest concerns clients have is whether competitive LVR options still exist for company and trust structures.

Depending on the overall scenario, some lending solutions may still allow:

Competitive LVRs for entity borrowers
Flexible investor lending structures
Alternative income verification using BAS or Accountant’s Declarations
Loan amounts suited to larger investment strategies

Every lender assesses risk differently, which is why understanding the full picture is becoming increasingly important.

Who This May Apply To

These types of lending conversations are becoming more common for:

Self-employed Australians
Tradies and contractors
Small business owners
Property investors
Clients with multiple income streams
Borrowers purchasing through trusts or companies

According to the Australian Bureau of Statistics (ABS), self-employment continues to make up a significant portion of Australia’s workforce, particularly across trades, construction, and professional services.

For many of these borrowers, traditional lending policies don’t always reflect how they actually operate financially.

It Starts with Understanding the Structure Properly

At Rate Money Marrickville, we work with many clients whose situations are more complex than the standard PAYG application.

That includes borrowers using company and trust structures who may have been told “no” elsewhere or are unsure what options may still exist in today’s environment.

For most people, the first step is understanding:

How the entity is structured
What lenders are currently looking for
Which pathways may align with their situation

If you’d like to explore available purchasing options, you can learn more here:

https://ratemoney.com.au/residential-loans

While company and trust lending has become more challenging, it doesn’t mean opportunities no longer exist.

For many borrowers, it’s simply about working with someone who understands how to unpack the structure properly and explore solutions that fit the way they actually operate.

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