Company & Trust Home Loan Brokers
WRA Mortgage Brokers helps borrowers across Australia finance property through company and trust structures — with lenders that support company borrowers, trust lending and director guarantees. We work with your accountant to structure the borrowing correctly.
Frequently Asked Questions
Can a company borrow to buy property?
Yes. A number of lenders will accept a company as the borrowing entity for property finance, usually with director guarantees. This suits business owners buying property through their company structure. Lender policy, LVR caps and pricing vary, so WRA confirms the right lender for your structure.
Can a trust borrow to buy property?
Yes. A trust can borrow where the lender supports trust lending, subject to a trust-deed review. The trustee and (for some lenders) the beneficiaries or guarantors are assessed. Discretionary, unit and hybrid trusts are each treated differently by lenders.
Should I buy an investment property in a company or trust?
It depends on your tax position, asset-protection needs and long-term plans. Buying in a company or trust changes how income, capital gains and land tax apply. WRA works alongside your accountant to structure the borrowing correctly and choose a lender that supports the structure.
What documents are needed for a company or trust home loan?
Typically: the trust deed and any variations, company financials and ASIC extracts, director/beneficiary income, personal financials for guarantors, and ID. WRA confirms the exact list for your chosen lender.
How is income assessed for a company or trust borrower?
Lenders may use company net profit, trust distributions, director drawings or a combination. Some include retained profits; others don't. How each lender calculates income materially affects borrowing capacity, so WRA models your income the way each target lender does.
Are company and trust home loan rates higher?
Not always. Some mainstream lenders price company/trust lending the same as personal lending, while specialist lenders may charge a small premium. WRA compares pricing across 50+ lenders to keep the rate competitive.
Can a company or trust refinance an existing property loan?
Yes. A company or trust can refinance to a sharper rate, release equity, or move to a lender whose policy better suits the structure. WRA manages the transfer of the borrowing entity where needed.
How does an SMSF differ from a company or trust borrower?
An SMSF borrows under a Limited Recourse Borrowing Arrangement (LRBA), which is a specialist structure with its own rules and lenders. See our SMSF Property Loans page for that pathway.
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WRA Mortgage Brokers — operated by We Are Available Pty Ltd. Based in Melbourne, servicing clients across Australia.