Trust and company lending
Lending for investors who hold property in trusts and companies. We structure the lending. Your accountant and solicitor set up the entity and advise on it.
An entity that is set up is not yet an entity that is financed.
Your accountant and solicitor set up the entity. The lending is a separate piece of work, and it is assessed by a lender, not by the people who prepared the documents.
Lenders do not treat trust and company borrowers the same way. Policy differs from one lender to the next on the entities they accept, the documents they ask for and how they assess the borrower.
On a first loan the difference can go unnoticed. It matters once the portfolio holds several loans across more than one entity and the next application has to account for all of them.
How we structure it
We structure the lending around the entity your advisers have set up.
Lending that matches the entity
Whether you are buying in your own name, a trust, a company, or an SMSF, we structure the lending to match your ownership approach.
Alongside your accountant and solicitor
We work directly with your buyers agent, accountant, and solicitor to keep every part of the transaction aligned.
Every entity, looked at together
We look at the lending for every entity you hold together, not one loan at a time. Lender order is set across the whole portfolio.
It makes sense when
- You hold, or are about to hold, investment property in a trust or a company.
- Your accountant or solicitor has set up the entity and the lending still has to be arranged for it.
- You own property in your own name and the next purchase will sit in an entity.
- Your portfolio runs across more than one entity and the lending has to be looked at as a whole.
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We will work out where you are, where you want to go, and what we need from you to begin.