Property Finance
Trust & Company Lending
TransformBiz arranges lending for trusts, companies, corporate trustees and SMSFs — the structures that protect assets and distribute income, and that many lenders quietly decline.
Complex Structures, Understood Properly
Buying through a company as trustee for a family trust is standard advice from accountants and a headache for most bank branches. Policies differ on guarantors, trust deeds, unit trusts, hybrid structures and SMSF limited recourse borrowing. Choosing a lender whose policy already fits your structure saves weeks and preserves capacity.
- Discretionary and family trusts with corporate trustees.
- Unit trusts, hybrid trusts and multi-entity groups.
- SMSF limited recourse borrowing for residential and commercial assets.
- Guarantor and director-guarantee structuring.
- Deed review coordination with your accountant and lawyer before submission.
Why Structure Affects Borrowing Capacity
Trust distributions, retained profits, add-backs and negative-gearing treatment are assessed inconsistently across lenders. The same group financials can produce very different capacity depending on who reads them — which is exactly why entity lending should be planned, not shopped.
General information only. This page does not consider your objectives, financial situation or needs and is not credit, tax or legal advice. Lending outcomes vary by lender and individual circumstances, and are subject to assessment and approval.
Clients With Exactly This Problem
I could not have succeeded without their support navigating the complex world of forming and buying under a company on behalf of a trust for my family. They answered every question with patience and drove the process forward at excellent pace.
I cannot recommend Vineet highly enough — my application was complex with existing property portfolio structures and businesses within. The strategy session alone gave me the confidence to go ahead with the biggest and most speculative deal to date.
Trust & Company Lending — Common Questions
Let's Structure It Properly
A short conversation is usually enough to see whether the structure is right.