Company Trust Borrowers
Banks tighten trust & company lending. What brokers must know and where to go next
* Disclaimer: The information provided herein represents a consolidated summary from all Funders and is not intended to detail any single product offering. For specific product information, please consult your BDM or the Credit team.
Loan Features
- Maximum loan size up to 10 m
- Maximum LVR up to 95%
- Up to 40 years loan terms
- IO repayment terms up to 5 years
Niches
- Flexible loan purposes
- Jumbo loan available
- Flexible cash out policy
- Credit impairment may be considered
- Low Doc or Lite Doc available
Several major lenders have narrowed or paused new lending to borrowers using company and trust structures. You may already have seen this play out in the market: banks are insisting on longer existing relationships, higher documentation standards, or simply stopping broker-introduced trust/company applications for selected products.
Why it matters
These policy changes are a direct response to rising regulatory and market scrutiny of higher-risk lending, and to recent moves by regulators to highlight system-level risks. For brokers, the impact is immediate: deals structured through discretionary trusts or special-purpose companies that previously sat neatly with a bank workflow may now require alternative pathways and faster, clearer documentation.
What we’re seeing lenders require now
- Proof of an established banking relationship (often 6+ months).
- Stricter KYC and beneficial-ownership checks.
- More conservative servicing and LVR assumptions.
- Pauses on new broker-introduced trust/company applications for some products.
How FINSTREET can help
As a mortgage manager in the non-bank space we have a product suite designed to support trust and company borrowers with:
- Clear, documented streams for trust/company applications that reflect required KYC and beneficiary checks.
- Speed and clarity through our underwriting teams who are experienced with complex ownership structures and can often progress cases that are paused by major banks.
- Competitive, transparent pricing with a clear explanation of any additional requirements.
- A dedicated broker support team who can walk you through documentation needs up-front to avoid last-minute delays.
What to do next
- Identify current trust/company deals in your pipeline and flag them for review.
- Check whether your client has an existing banking relationship with the lender – if not, now is the time to explore our solutions.
- Send the file to us early – we’ll run a quick acceptability check and outline documentation needs so you can set correct client expectations from day one.
We’re committed to working with brokers to keep business moving even as majors tighten policy. For product specifics, eligibility criteria and examples of trust/company cases we can support, please download our Product Guide.
If you’ve got a file in flight and want a quick assessment, contact our credit support team here.
The features of this product have been assessed as meeting the likely objectives, financial situation and needs of consumers who:
- Meet the eligibility criteria, including:
- being an Australian resident; and
- having a satisfactory credit rating;
- are:
- self-employed; or
- salaried employees; or
- an Australian registered company; or
- a trustee of an Australian family or unit trust (the beneficiary and Trustee must meet the eligibility criteria of an individual or a company;
- require a loan to fund the purchase or refinance of an owner occupied or investment residential or commercial property;