Mortgage brokers in Norwest, helping the Hills District and Sydney
Trust and company loan broker, Sydney
Buying in a family trust or company name? Most banks don't make it easy. We match your structure to lenders that fund it, and work alongside your accountant and solicitor.
5.0 from 360+ Google reviews
Updated November 2026
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Trust & company property finance, updated November 2026
Buying property in a family trust or company name is a common way to plan for asset protection, tax flexibility and passing wealth to the next generation. Getting it funded is the hard part.
Most lenders either don't offer trust or company loans at all, or apply them so rigidly that the application collapses on a technicality: the wrong trustee structure, a missed schedule in the trust deed, or a lender policy that doesn't accommodate corporate trustees.
We work with lenders who deal with these structures regularly, know what documentation is required, and can fund them efficiently. We also work alongside your accountant and solicitor so the loan supports your broader plan, not just the purchase. Read our guide to buying property in a trust for the background.
Done well, a trust or company structure can give years of flexibility in how income is distributed, keep property assets separate from personal liability, and give your accountant a structure to plan distributions with each year. Whether it suits you is a question for your accountant. Our job is making sure the structure you choose can be funded, at competitive pricing, by a lender that understands it.
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Lenders compared including trust loan specialists
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Google reviews, rated 5.0
From a client with a complex loan structure, on Google
Kesan Ramamoorthy
4 years ago on Google
Simply Awesome! RyRo made my home loan refinance look very easy but I know having a complex loan structure, it's a very difficult job to do. So thank you Sumit for all your help and constant updates throughout the loan process.
The short answer
Quick answer
Yes. A family trust, unit trust or company can borrow to buy property, but fewer lenders offer it and each sets its own rules. Expect the lender to review the trust deed, check the trustee has the power to borrow and mortgage, and ask the people behind the trust to guarantee the loan. Most lenders treat it as investment lending.
Living in a home your trust owns is possible with some lenders, on stricter terms. Tell us the purpose of the purchase upfront and we will only approach lenders whose policy fits it. If you are buying in your own name instead, see our investment property loans.
Structures explained
The structure you use to hold property has significant consequences for tax, asset protection, and finance access. Here's how the main structures compare.
The trustee holds legal title and decides each year how income is distributed. The structure families use most for property.
Beneficiaries hold fixed units, so income and capital follow unit holdings. Often used when unrelated parties co-invest.
The company holds title in its own right. Directors usually guarantee the loan, so their own finances still count.
A company acts as trustee of a discretionary trust. More set-up and upkeep, and accepted by fewer lenders.
Lender appetite
Discretionary trusts are the easiest to fund. Unit, hybrid and corporate trustee structures narrow the list of lenders, and each lender sets its own rules.
The table is a general guide only. What matters is how your deed is written and who the trustee is, which is why we read the deed before we name a lender.
| Structure | Lender choice | What lenders look at |
|---|---|---|
| Discretionary trust, individual trustee | Widest of the group | Deed powers, trustee guarantees |
| Discretionary trust, corporate trustee | Fewer lenders | Deed, company details, director guarantees |
| Unit trust | Fewer lenders | Who holds the units, guarantees from unit holders |
| Hybrid trust | Specialist lenders | A close review of the deed |
| Company | Specialist lenders | Company finances, director guarantees |
General guide only. Each lender sets its own structures, limits and pricing. SMSF bare trusts follow separate super rules.
4 key reasons
The reasons clients give us most often. Whether any of them apply to you depends on your situation, so treat this as general information and test it with your accountant.
Property held in a properly set up trust may be harder for a beneficiary's personal creditors to reach.
Property held in a properly structured trust may be protected from claims against individual beneficiaries, which matters for business owners, professionals and anyone with personal liability exposure. If a beneficiary faces personal insolvency or a legal judgment, trust assets are not automatically available to their creditors. How strong that protection is depends on the deed and the facts, so ask your solicitor.
A discretionary trust lets the trustee decide each year which beneficiaries receive the income.
A discretionary trust allows rental income to be distributed among beneficiaries each year, rather than being locked to a single taxpayer. In years when one beneficiary earns less (a spouse returning from parental leave, for example), your accountant may suggest a different distribution. There are rules on how this works and who it can go to, so the decisions sit with your accountant.
The trust can continue while the beneficiaries change, so property does not always have to be sold to pass it on.
Assets held in a family trust can sometimes stay in the trust as the next generation become the beneficiaries, rather than being sold or transferred. Whether that avoids tax or duty depends on your trust deed and how changes are made, which is advice for your accountant and solicitor. The trust continues; the beneficiaries change.
Several investment properties held in one entity can make long-term planning simpler.
Holding multiple investment properties in a trust keeps them within a single legal entity, which can simplify estate planning and the paperwork of selling or transferring assets over time. For clients building a long-term portfolio, getting the structure right at the start avoids costly restructuring later. For portfolio lending in your own name, see investment property loans.
The trade-offs. Capital gains, land tax, losses and negative gearing can all work differently in a trust or company than in your own name. None of that makes a structure wrong for you; it means it should be modelled with your accountant before you buy. Reading: negative gearing explained.
Lender assessment
Trust and company loans follow a different approval process to individual borrowing. Here's what lenders generally look at.
Step 1
Lenders ask for a copy of the trust deed to confirm it permits borrowing and the trustee has authority to grant a mortgage over trust property. Some deeds contain borrowing restrictions or unusual trustee appointment clauses, issues we look for before application.
Step 2
The people behind the trust or company usually provide personal guarantees. Where there is a corporate trustee, lenders typically ask the directors to guarantee. Lenders assess the guarantors' personal finances for serviceability.
Step 3
Income from the trust (rent, distributions) and the guarantors' personal income are used to show the loan can be repaid. How lenders treat trust income versus personal income varies, and we know which lenders take a reasonable approach for your income structure.
Step 4
Some lenders only accept individual trustees. Others accept corporate trustees. Some will not lend to trusts at all. We know each lender's policy and don't waste your time or credit file on lenders who won't accommodate your structure.
Step 5
Most lenders treat trust and company loans as investment lending. Fewer will lend where you plan to live in a property the trust owns, and those that do apply stricter terms. We clarify this upfront.
Guarantees
Usually, yes. Most lenders want the people behind a trust or company to personally guarantee the loan, because the entity itself often has few assets of its own.
Who has to sign depends on the lender and the structure. A guarantee means you can be personally liable if the trust or company cannot repay, so speak to your solicitor about what it means for you before you sign.
Get expert advice, free
Tell us your structure, what you're buying and your goals, we'll identify the right lenders and approach.
“Trust loans fail because of deed issues or wrong lender selection, not because the client isn't creditworthy. We solve both problems before we submit anything.”Sumit Joshi JP, principal broker
5.0 from 360+ Google reviewsGuru Prasadh
3 years ago on Google
Sumit has been my mortgage broker for over couple of years, and this time he and his team helped me to refinance my loan & they provided best possible advice with regard to rates and assisted in loan restructure as well. The paper work was easy to follow and without hassles. Sumit is always a very approachable person and someone who would be willing to walk the extra mile to provide additional insights. I would highly recommend his services for both new home buyers & investors.
Eligibility
Borrowing in a trust or company name is available to a wide range of clients. The key requirements are below.
Free 2-page guide
Exactly what full doc and low doc lenders want to see, the substitutes when you cannot show two years of returns, and the add-backs that lift what you can borrow.
5.0 from 360+ Google reviews · Emailed to you straight away
4 ways we add value
We approach only lenders whose policy fits your trust or company, protecting your credit file.
There is no point approaching lenders who don't accept trusts or who only accept individual (not corporate) trustees. We know each lender's policy and approach only the right ones, protecting your credit file and saving weeks of wasted effort.
Restrictive borrowing clauses or unclear trustee appointments cause declines. We look for them first.
Common trust deed issues, such as restrictive borrowing clauses, unclear trustee appointment or narrow definitions of permitted investments, can cause lender declines. We review the deed with you before submission and flag anything your solicitor may need to amend or explain to the lender's legal team.
Trust, rental and personal income presented the way each lender assesses it.
Trust income, rental income and trustee personal income need to be presented clearly and in a way that matches the lender's serviceability framework. We know how each lender treats each income type and structure the application accordingly.
The loan has to fit your tax and estate plans, so we keep your advisers in the loop.
A trust loan touches tax, estate planning and legal structure. We don't operate in isolation: we work alongside your advisory team so the loan structure supports your broader financial goals and doesn't create unintended tax or legal consequences.
Step 1
A free call about the trust or company, who the trustee is, what you are buying and why.
Step 2
We read the trust deed and company details for anything a lender will question.
Step 3
We compare 50+ lenders against your structure, guarantors, deposit and purpose.
Step 4
Entity documents and every guarantor's paperwork checked before it goes in.
Step 5
Kathryn tracks the valuation, approval and settlement paperwork until it is done.
Sumit reads your details and calls you back.
Situations we solve
The structures we see most often, and what we do about each.
The trust is set up, the accountant is on board, and you need a lender that will take the deed.
We read the deed, confirm who must guarantee and shortlist the lenders whose policy fits, before you make an offer.
A company acts as trustee, which knocks out some lenders straight away.
We go only to lenders that accept corporate trustees, and package the company details and director guarantees together.
You want the company, not you personally, to hold a property.
We check whether a residential or a commercial loan fits the purchase. For premises your business will use, see commercial property loans.
New residential SMSF borrowing ended on 10 August 2026, so you are looking at other structures.
A family trust is outside super, so super rules do not apply to it. Your accountant decides which suits you; we fund it. See SMSF loans for what is still possible in super.
Your income flows through a trust or company, so no single document shows what you earn.
We work out which entity and personal documents a lender needs to see the full picture. See low doc loans if your returns are not lodged yet.
The trust borrowed years ago and the pricing or structure no longer suits it.
A trust can refinance to a lender that accepts its structure. We check the costs of switching and who must guarantee again.
From the blog
Read these before you settle on a structure: how lenders assess a trust borrower, and what holding property inside super looks like after the August 2026 rule change.
Specialist · 8 min read
Buying property through a trust structure can offer tax and asset protection benefits, but getting a loan is more complex. Here's what you need to know.
Read the guide
Specialist · 10 min read
Residential SMSF borrowing ended on 10 August 2026. This guide covers what still works: grandfathered loans, refinancing, buying commercial premises through super, plus the tax, costs and ATO rules that did not change.
Read the guideWhy RyRo
Specialist lending experience across complex structures.
Full market access including trust-specialist lenders.
Broker fees, we're paid by the lender.
Rated 5.0 on Google by real clients.
Free, no obligation.
Google reviews
Rated 5.0 out of 5 from 360+ Google reviews. These clients came to us with complex structures, several loans at once, SMSF purchases and growing portfolios. Quoted word for word. Read all 360+ Google reviews.
5.0
From 360+ Google reviews
Cherrie Sandford
5 years ago on Google
Sumit is extremely professional, supportive and respectful in his business dealings. He went to great lengths to get several simultananeous home loans for me that were extremely complex in nature. He always returned my calls and emails in an efficient timely manner even though contacting me and my husband who works regionally was so difficult. As a woman doing business, he treated me so kindly and I never felt I asked him a silly question, though I'm sure I did. I always felt he would never ever let me down. I HIGHLY recommend Ry Ro loan centre and I would never do business elsewhere now that I've experienced his business services.
Param Singh
4 years ago on Google
Exceptional service, best with complex loan needs. Highly recommend for any loan service. Sumit is extremely supportive, very prompt and provides you the with the best solution for your finances and investments!! Highly recommended!!
Anshuman Bhardwaj
2 years ago on Google
Brilliant team and very responsive I am taking help of Sumit and his team for almost 10 years now from my first home to my 6th investment property . He is very helpful, ,informative and respectful to all my questions and needs. Always available and his Team (Dean) also is very knowledgeable . I have recommended them to lot of my friends and also heard good about them. Thanks team and keep up the good work
bela chauhan
10 months ago on Google
I had the pleasure of working with Sumit and team for both my SMSF loan and a personal home loan, and I couldn’t be happier with the service. These can be complex processes, especially the SMSF loan, but he made everything feel clear and manageable from the very beginning. What really stood out was how organised and proactive he was constantly keeping me updated and making sure everything stayed on track. Both loans went through smoothly, and I genuinely felt supported the whole way. If you’re looking for someone knowledgeable, reliable, and easy to work with, I would highly recommend Sumit Joshi. Best Wishes 😊
Free tools
Start with an indicative borrowing figure for the guarantors, then run the costs. None of these asks for your details to show a result.
Your indicative range
You could borrow around
$489,000 to $541,000
Lower figure: stricter assumptions. Higher: more generous ones.
A range, not a single figure, because every lender assesses this differently. The lower number uses stricter assumptions and the higher one more generous ones. No lender has approved it.
| Assumption | Stricter | More generous |
|---|---|---|
| Bonus and overtime counted | 50% | 80% |
| Rental income counted | 70% | 80% |
| Card limit as a monthly repayment | 3.8% | 3% |
| Living cost benchmark | $2,520/mth | $2,100/mth |
| Debt-to-income cap | 6x income | None |
| Rate buffer | +3 points | +3 points |
This is an estimate, not financial advice. Results are a guide only. Speak to a broker for accurate figures based on your situation.
Free, no obligation. Your numbers go with your enquiry.
5.0360+ Google reviews
Selling a property to restructure? Estimate your property selling costs.
FAQs
More questions? View all FAQs or ask us directly.
General information only, not tax or legal advice. Speak to your accountant or solicitor about your structure.
Can a trust or company borrow?
Costs, tax and structure
Applying with RyRo
Free trust loan assessment
We generally respond within an hour. Prefer to pick a time? Book your strategy call online or contact us.
Sumit Joshi JP
Principal broker, Credit Rep 446824
More videos from Sumit
“Sumit has been assisting us with mortgage products for a few years now. His customer service, knowledge and problem-solving abilities continue to be outstanding. I can’t recommend Sumit and his team highly enough as an ethical and knowledgeable broker who is solution focused and thoroughly able to navigate complex circumstances with sensitivity to achieve sustainable results. Very responsive and would call back straightway with solutions and had the patience and time to explain things to us in simple terms. Sumit was able to achieve a great result through a really difficult time of multiple lockdowns. It was a great result and really appreciated. Thanks once again Sumit!”
Sumit Joshi JP, Credit Rep 446824. AFG Award Winner 2013 to 2019 and AFG Excellence Awards finalist 2022 to 2026. General information only, not tax or legal advice. Speak to your accountant or solicitor about your structure. Lender policies, pricing and fees change.
