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Trust Loans

Trust loansEnergise Home Loans specialises in Trust Loans, having set up many of these for our customers. We understand the complexity that can be involved, and have extensive experience working with lenders and financial advisors to arrange these.

What is a trust?

A trust involves a person or company owning assets on behalf of another person, family or group of people (known as the beneficiaries of the trust).

A trustee is appointed (either a person or a company) to control the trust, who is guided by a set of rules called a ‘trust deed’, regarding how the trust is to be managed, and how profits are distributed amongst the beneficiaries.

Purchasing an investment property through a trust loan

Many people choose to purchase an investment property through a trust arrangement, as this offers tax advantages and asset protection. However, it is essential to arrange a trust loan through an experienced lender or mortgage broker, as many do not know how to structure these to ensure the tax advantages are available.

Additionally, many lenders do not offer trust loans. So, using an experienced mortgage broker to arrange a trust loan for your investment property purchase is a clever strategy, to save time, and to ensure you enjoy the maximum benefits of this type of lending.

The following types of trust loans are available for property investment:

  • Self Managed Super Fund Trusts (SMSF)
  • Property Investment Trusts
  • Family Trusts
  • Discretionary Trusts
  • Unit Trusts
  • Hybrid Trusts
  • Service Trusts (usually a type of discretionary, unit or hybrid trust)

Please contact us to determine which trust loans are suitable for you. We have the experience to determine exactly which options are available to meet your needs, and to achieve your financial objectives.

Documents required for a trust loan

In order to apply for a trust loan, it is necessary to provide the bank with the following:

  • Identification for all trustees, directors of trustees and beneficiaries of the trust
  • Tax returns and notices of assessment for the trust (unless it is a new trust, or if the trust is applied for as a low doc loan)
  • A certified copy of the stamped trust deed
  • A certified copy of the company constitution (if there is a company trustee)

Please talk to us for a specific list of required documents for your arrangements.

Why don’t many lenders offer trust loans?

Many lenders do not offer trust loans, as these are more complicated to set up for them, and there are sometimes legal issues to consider, resulting in lower profit for them than other loans. Even if banks do offer trust loans, they charge a higher fee to set this up, because of the extra complexity involved and additional paperwork that must be prepared.

Many bank managers, mortgage brokers and credit staff do not understand how trusts work, meaning that approaching a lender directly often results in significant delays and getting the runaround!

If there’s more work involved, why do borrowers choose trust loans?

From a borrower’s perspective, there is a little more complexity involved, but it is often still well worth selecting this type of loan structure for the additional benefits that a trust loan offers. The important strategy to follow is to speak with an experienced mortgage broker who has dealt extensively with trust loans before. This will allow you to enjoy the benefits of a smooth process, and to feel confident that your financial needs are being addressed.

If I already have an investment property, can I sell this to my trust?

Yes, this is a possibility, which may still allow you to enjoy the benefits of a trust loan, including greater asset protection and tax advantages. However, it is likely that you will need to pay stamp duty on the transfer of your property, as well as capital gains tax on any capital gain made since buying the investment property, so it is recommended that you seek advice from your accountant before making this decision.

Contact us for a discussion about your needs. We will be happy to assist you to determine if a trust loan is a suitable option for you, and if so, to coordinate the entire process for you.


  • L. Evers
    “Cheers Brian Rusten at Energise Home Loans. Guiding us and getting us the best loan package/rates out there!! Thank you mate.” L. Evers
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