Corporate Trust Lending

Corporate trust lending involves loans structured through a corporate trustee for family, discretionary, unit or hybrid trusts, commonly used for property investment or business purposes in Australia.

What Is Corporate Trust Lending?

Many Australian investors and business owners use trusts to hold assets, distribute income flexibly and protect wealth, but arranging finance through a corporate trustee adds specific lender requirements and benefits. Corporate trust lending allows the trustee company to borrow on behalf of the trust, often for investment property or commercial assets, while limiting personal liability through the corporate structure. Mortgage Companion navigates these complexities to help you secure competitive loans that align with your trust deed, tax strategy and investment goals.

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How Corporate Trust Lending Works?

In corporate trust lending, the loan is made to the corporate trustee “as trustee for” the trust, with the company acting as the legal borrower. Lenders typically secure the loan against trust assets (like property) and review the trust deed, company constitution and financials before approval. Directors of the corporate trustee often provide personal guarantees, but the corporate veil offers some separation between personal and trust liabilities.

Key advantages

Using a corporate trustee for trust borrowing provides clear benefits over individual trustees, especially for larger investments.

Perpetual succession: The company continues even if individual directors change, avoiding the need to refinance due to trustee changes.
Limited liability: Directors’ personal assets are generally protected (subject to guarantees), unlike sole trustees who risk personal exposure.
Tax efficiency: Trusts can distribute income and capital gains (with 50% CGT discount) to lower-tax beneficiaries, unlike companies.
Asset protection: Trust assets are ring-fenced from personal creditors, though lenders may still require guarantees from directors or beneficiaries.

Types of Asset Finance We Offer

Beyond standard home loans, we help clients at every stage of property ownership.

Vehicle Finance

Finance options for cars, vans, utes, and commercial vehicles. Ideal for businesses needing reliable transport or expanding their fleet without large upfront costs.

Equipment Finance

Funding for machinery, tools, and specialised equipment across industries like construction, medical, transport, hospitality, and manufacturing. Helps you stay productive with modern, efficient equipment.

Technology & IT Finance

Flexible finance for computers, servers, software, and tech upgrades. Perfect for businesses wanting to stay ahead with the latest technology while spreading costs over time.

Heavy Machinery Finance

Tailored solutions for excavators, loaders, trucks, and industrial machinery. Designed for businesses in construction, mining, agriculture, and logistics.

Fit‑Out & Asset Upgrade Finance

Finance for shop fit‑outs, office upgrades, and commercial refurbishments. Helps you create a professional, functional space without draining your cash reserves.

Why Australians Choose Mortgage Companion

Tailored Advice

We don’t believe in one‑size‑fits‑all lending. Your goals, lifestyle, and financial situation shape our recommendations.

Access to multiple lenders

We compare loans from major banks and specialist lenders to find options that suit your situation, not just one brand.

Local & national knowledge

We understand the Australian lending landscape and how policies vary between lenders.

Support from start to finish

You deal with a real broker who stays involved until the loan settles and beyond.

Proven Client Satisfaction

100% recommendation rate from reviews, with clients highlighting our dedication and outstanding results.

Long-term guidance

We check in over time to make sure your loan still suits your needs as rates and circumstances change.

Now It's Your Turn

Ready to explore your car finance options?

If you are thinking about buying a new or used car in the next few months, it is worth talking through your finance options before you visit the dealership. Book a chat with Mortgage Companion to review your budget, credit profile and preferred cars, and receive clear, no‑pressure guidance on the personal vehicle finance options that could suit you best.

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Frequently Asked Questions

Answers to common questions about our services, how we work, and what to expect at each stage.

How much deposit do I need for a home loan?

Most lenders prefer a 20% deposit, but you can still buy with as little as 5% depending on your situation. Some government schemes also allow eligible buyers to purchase with a smaller deposit.

How long does home loan approval take?

Pre‑approval usually takes 1–3 business days, depending on the lender and how quickly documents are provided. Final approval can take 5–10 days after you’ve found a property.

What documents do I need to apply?

Typically:

Payslips or income statements
Bank statements
ID (driver’s licence or passport)
Details of existing loans or debts

We’ll give you a simple checklist so nothing gets missed.

Should I choose a fixed or variable interest rate?

It depends on your goals.

Fixed rates offer stability and predictable repayments.
Variable rates offer flexibility and potential savings if rates drop. We help you compare both options based on your financial plan.

Can I get a home loan if I’m self‑employed?

Yes — absolutely. Self‑employed borrowers may need extra documentation (like tax returns or BAS statements), but there are plenty of lenders who specialise in these situations.