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:
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:
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:
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:
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:
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:
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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