Trust lending · a Finfident specialty

Borrowing through a family or unit trust

Buying property in a trust can help with asset protection, succession and how income is shared, but fewer lenders do it well. Trust lending is one of Finfident's key specialties. We know which lenders accept which trust structures and how they assess them.

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Is this you?

Investors buying through a discretionary (family) trust
Unit trusts and hybrid trusts
Corporate trustee or individual trustee structures
Refinancing a trust loan to a sharper rate

Key facts

What you should know

Trust deedLenders review the deed to confirm the trustee can borrow and give security

GuaranteesDirectors of a corporate trustee usually give personal guarantees

ServicingLenders look at trust income and distributions, plus the guarantors’ income

Land taxMost states give trusts no land tax threshold, so costs can be higher

Borrowing power

Estimate how much you may be able to borrow based on your income, expenses and commitments.

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General information current as at October 2026. Lender policies change; we confirm them for your situation.

How it works

Our process

Review the structure

We read the trust deed and check the trustee, beneficiaries and who will guarantee the loan.

Match the lender

We compare lenders whose trust policy fits, including how they treat distributions and trust income.

Coordinate with your accountant

We work alongside your accountant or solicitor so the structure and the loan line up.

Settle and review

We review the loan periodically as the trust’s income and properties change.

Questions

Frequently asked

Can I get a home loan in a family trust?

Yes, for investment property. Many lenders accept discretionary and unit trusts, usually with a corporate trustee and personal guarantees from the directors. Living in a trust-owned home is possible but has tax and land tax consequences, so get advice first.

Do trust loans cost more?

Some lenders charge a slightly higher rate or limit the LVR for trusts, but many major and specialist lenders price trust loans like other investment loans. We compare them for you.

Can a trust use first home buyer schemes?

Generally no. First home buyer grants and concessions usually require an individual buyer.

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