The lending barrier
The family wanted to purchase an investment property through a trust with a corporate trustee. A corporate beneficiary and a related trading company added layers to the ownership position. The initial lender had not accepted the structure, leaving the family with a property goal and no clear financing pathway.
How we approached it
We translated the entity structure into an application a credit team could follow. An ownership chart identified the trustee, directors, beneficiaries and related companies. We assembled the trust deed and company documents, separated actual borrowing obligations from ownership interests and presented the proposed rent alongside the relevant guarantor income. We then sought a lender comfortable assessing the complete structure, including document review and the required guarantees.
The outcome
The proposed funding structure targeted 80% LVR, with the borrower, security provider and guarantors clearly identified. The aim was to let the family proceed with the investment purchase using its chosen ownership structure, rather than change that structure simply to fit an initial lending enquiry.
What this means for borrowers
Complex ownership needs a clear lending explanation. Our role is to show how the entities fit together, where repayments come from and which obligations actually exist—then match that complete picture to a suitable lender.
Questions about this case
What information helps explain a complex trust application?
An ownership chart, the trust deed, company records, income evidence and details of actual debts and guarantees help the lender understand who borrows, who provides security and how repayments are supported.
This is an illustrative scenario comparable to deals we have handled for our clients. Figures and outcomes are examples; lending remains subject to individual assessment.