TRUST LOANS

Streamline Your Trust Loan Journey

Navigate complex trust loans with ease—our specialist advisors guide you every step of the way.

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KEY FEATURES

Navigate Complex Trust Loans

1. Why Choose Trust Loans?

Protect your assets and optimise your tax strategy with the right trust loan structure.
2. What Banks Consider

Lenders assess trust type, credit history, and trust deed details to determine eligibility.
3. Loan Setup Options

We help structure loans under trustees or directors for tax and borrowing advantages.
4. Experienced Support Matters

Our experienced team simplifies the process, connecting you with the right lenders.

Streamline Your Loan Search

Avoid guesswork—check your loan repayments in minutes and take the first step toward approval.

TRUST LOAN APPLICATION

Essential Documents for Trust Loans

Gather the required documents to streamline your trust loan application and improve your chances of approval.

1. Certified Trust Deed

Provide a certified copy of your stamped trust deed to validate the trust’s structure and legal standing.

2. Company Constitution Copy

If a company acts as the trustee, submit a certified copy of the company’s constitution for verification.

3. Identification Documents

All trustees, directors, and beneficiaries must provide valid identification for compliance checks.

4. Tax Returns & Assessments

Submit recent tax returns and notices of assessment, especially for established trusts—low doc options may apply.

BENEFITS OF TRUST LOANS

What are the benefits of buying property in a trust name instead of your own name?

Tax benefits

Asset protection

Estate planning

Loan process

Taxes

Why Choose US

Specialists in Complex Trust Loans

At Everrich Finance, we specialize in navigating the complexities of trust loans. Our experienced team understands the legal structures, lender requirements, and tax benefits that come with trust lending. We’ll help you secure the most affordable interest rates, minimise delays, and structure your loan for maximum financial advantage.

Professional Guidance

Our brokers have deep knowledge of trust loans and lender requirements, ensuring a streamlined application process.

Exclusive Lender Access

We work with specialised lenders that understand trust structures, offering competitive rates and more suitable loan terms.

Tailored Solutions

We customize loan structures to suit your financial goals and trust setup, maximising tax and asset protection benefits.

Customer Friendly Approach

We take care of all the trust loan application paperwork and complexities, ensuring the loan approval process is handled efficiently and effectively for you.

We compare loans from a wide range of lenders

CORE ESSENTIALS

Trust Loans For Tax Smart Home Owners Explained

Trust loans are generally recommended by accountants and solicitors to help protect the client’s assets and to assist with tax strategies.

Unfortunately, most lenders do not offer these loans due to complexity in loan assessment and understanding of the legal structure. It is important to seek a competent broker with experience in this structure, because as the borrower you could be missing out on these tax advantages and increase your risk exposure.

What is a trust?

A trust is an arrangement which allows a person or company to own assets on behalf of another person, family or group of people. These people are known as the beneficiaries of the trust.

Assets are owned on behalf of beneficiaries but controlled by a trustee, who can be either a company or a person.

The trustee is governed by a trust deed which sets out the rules that the trustee must follow and covers how profit is distributed to the beneficiaries.

What do banks look for?

When a lender receives a trust application, they will look for:

The type of trust: Trusts are assessed in many ways. Most banks will only look at Discretionary or Family trusts and Unit trust. We have lenders that can also assist with Hybrid trust and Self-Managed Superannuation Fund trusts.
The trust credit file: The directors and beneficiaries of a trust have their own credit files. Because Companies and Trust are legally a separate entity these entities can also have their own credit file as well. The banks check the credit file for any adverse to ensure that they are lending to entities that are within their credit appetite.
The trust deed: The trust deed confirms who the beneficiaries and the trustee actually are. Banks review the trust deed to make sure the trust can borrow money like a normal person.
The loan structure: We can arrange the loan in the name of the trustee or director of the trustee company rather than in the name of the trust. So the director of the trustee company is the borrower while the trust is the mortgagor. This structure can be advantageous for negative gearing benefits when using a unit or hybrid trust.
The beneficiaries: Did you know that some lenders require all adult beneficiaries to be guarantors? Most trusts have two, three or more beneficiaries and these structures can make it difficult to borrow money.

We can help you with any trust loan related queries. Please contact us on (03) 9034 5223 or enquire online.

What documents do the banks need for a trust loan?

There are several documents that the bank will need from you in order to process a loan for a trust:

A certified copy of the stamped trust deed.
A certified copy of the company constitution (if there’s a company trustee).
Identification for all trustees, directors of trustees and beneficiaries of the trust.
Tax returns and notices of assessment for the trust (not always required, in particular for low doc or for new trusts).

Please contact us on (03) 9034 5223 or enquire online and our team can assist.

Can you get discounts on trust loans?

Our experienced team at Everrich Finance know exactly which lenders can assist with each type of trust loans and we can work with you to confirm valuable discounts available for your loans.

Most banks don’t offer trust loans. At Everrich Finance our knowledgable advisors know which lenders treat your loan as normal home loan compared to commercial loans.

How do lenders view trusts?

Because trust loans are so complex most banks don’t have experienced staff capable of understanding these structures.

These structures generally have more paperwork and attract legal complexity when completing assessment. Most banks, brokers and credit assessor in the bank don’t understand how trusts work so trust applications will get bounced around different department resulting in delays and errors.

On top of this, most bank staff have never heard of trust loans and actually don’t know if their own bank does trust loans. Our experienced advisors at Everrich Finance know exactly which banks and which departments can help in each bank.

Why can’t every bank lend to trusts?

Trust loans require more experienced staff. The effort required to approve a trust loan is higher due to the amount of paperwork involved. Preparing, documenting, and ensuring that loans are compliant require more time. The return on these loans, therefore are considered less profitable.

How do banks get around these problems?

The major banks have different departments like business banking, priority banking and private banking within the bank that are skilled to assist with these types of loans .

This works well for the bank because they can have more experienced staff handle these complex loan. However, the customer is often charged a higher fess and higher rates, making it more expensive for you as the borrower.

Business banking, priority banking and private banking is slow, expensive, may not include a low doc option and tends to allow you to borrow far less than you can with a residential loan.

We have access to lenders with lower fees and competitive rates!

Please contact us on (03) 9034 5223 or enquire online and our team can assist.

Do lenders charge additional fees for trust loans?

Because there’s additional work to be completed in reviewing, assessing, preparing the approval. The banks generally need to vet the trust deed so there are additional legal fees charged by the bank are between $200 and $500.

TRUST LOAN FAQ

Your trust loan questions, our simplified answers.

1. Can the loan be in my name?

We can set up the loan to be in the name of the trustee or director of the trustee instead of being in the trust name.

For example, if Michael Jordan is the director of Nike Pty Ltd, the trustee for The Nike Unit Trust, then the loan could be set up in two ways:
1. Borrower: Nike Pty Ltd As Trustee For The Nike Unit Trust
Mortgagor / property owner: Nike Pty Ltd As Trustee For The Nike Unit Trust
Guarantor: Michael Jordan
2. Borrower: Michael Jordan
Mortgagor / property owner: Nike Pty Ltd As Trustee For The Nike Unit Trust
Guarantor: Nike Pty Ltd As Trustee For The Nike Unit Trust
Please talk to your accountant for tax advice regarding the different structures.

Please contact us on (03) 9034 5223 or enquire online and our team can assist.
2. Can I sell my property to my trust?

Yes, it’s possible to sell your property in your personal name to the name of your trust. Some advisors may recommend this for asset protection or as part of their overall tax strategy. Before doing this please consult your legal advisor and financial advisor to confirm the upfront cost, tax implication and paperwork required.
Please contact us on (03) 9034 5223 or enquire online and our team can assist.
3. Are there low doc loans for trusts?

There are lenders that can assist with low doc trust loans.

A low doc loan will allow you to declare your income rather than providing tax returns as proof of your income.

There are only a few lenders that can consider low doc loans for trusts.
Please contact us on (03) 9034 5223 or enquire online and our team can assist.
4. What are the benefits of buying property in a trust name?

1. Tax benefits: You may be able to reduce your tax bill by distributing income to family members with lower taxable income.
2. Asset protection: Trusts allow you to control and receive income from assets without having them in your name. This may protect these assets in the event that you’re sued or you go through a divorce.
3. Estate planning: Some trusts may allow you to effectively pass assets on to future generations without paying excessive taxes or going through estate disputes.
5. What are the disadvantages of buying property in a trust name?

1. Loan process: Generally the loan process is more complicated. Less banks are available to assist with trust related queries.
2. Taxes: Most states will generally charge a higher land tax surcharge for holding property in a trust.
6. Do beneficiaries need to guarantee a loan for a trust?

Banks will generally require the trustee or director of a corporate trustee to be beneficiary of the loan. In some instances, they may request any beneficiary over 18 to be guarantors of the loan making them responsible for the loan in the event of a default.
Please contact us on (03) 9034 5223 or enquire online and our team can assist.

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