Can I borrow through my family trust?

Yes, many lenders offer trust lending. The requirements vary: some need specific trustee borrowing powers in the trust deed, others require guarantees from beneficiaries, and the income assessment methodology differs between lenders. We identify lenders whose trust lending policies align with your specific arrangement.

Does having multiple entities make lending harder?

It can add complexity, but it should not prevent you from accessing competitive lending. The key is working with a broker who understands how to present multi-entity applications to lenders experienced in this area. Most challenges arise from poor application preparation, not from the structures themselves.

Can you coordinate lending across multiple entities with different lenders?

Yes. Many of our clients have lending with three or more lenders across different entities. We manage the entire portfolio, ensuring that security arrangements, cross-collateralisation (or the deliberate avoidance of it), and entity-level borrowing are all coordinated.

My accountant has recommended a specific entity structure for a new purchase. Can you work within that?

Absolutely. We work alongside your accountant and solicitor to implement lending within the structure they recommend. Our role is to find the right lender and the right terms. Your advisory team determines the entity strategy.

Lending Solutions for Complex Entity Structures

Your accountant and solicitor have built an entity structure designed to optimise your tax position, protect your assets, and create a foundation for long-term wealth. The problem is that most lenders, and most brokers, struggle to work within it.

Family trusts, discretionary trusts, unit trusts, corporate trustees, holding companies, trading entities, and self-managed super funds each come with specific lending requirements, restrictions, and opportunities. At Exec Finance, structuring lending across complex entities is not an exception. It is our standard operating environment.

Entity Structures We Work With

Family and Discretionary Trusts

Family trusts are one of the most common structures used by high-income Australians for tax planning and asset protection. Lending through or alongside a family trust requires lenders who understand trustee borrowing powers, beneficiary assessments, and the treatment of trust distributions as income. Not all lenders offer trust lending, and those that do vary significantly in their policies.

We know which lenders are comfortable with trust borrowers, which require specific trustee resolutions, and how to structure applications to satisfy credit requirements while preserving the benefits of the trust structure.

Company Structures

Borrowing through a company, whether a trading entity, holding company, or special purpose vehicle, requires lenders who assess company income, director guarantees, and corporate borrowing powers. We structure company lending to align with your accountant's strategy, ensuring the right entity borrows for the right asset.

Self-Managed Super Funds

SMSF property lending operates under specific limited recourse borrowing arrangement (LRBA) requirements. The property must be held on a bare trust, and the number of lenders offering SMSF loans is more limited than standard lending. We specialise in SMSF lending and work across the available lender panel to identify the strongest options for your fund.

Multi-Entity Arrangements

Many of our clients hold assets across four or more entities, including personal name, family trust, company, and SMSF, with different lenders across different properties. We take a holistic view, coordinating lending across all entities to ensure structures are efficient, security arrangements are appropriate, and no single entity is over-leveraged.

Hybrid and Layered Structures

Some clients operate through more complex arrangements: unit trusts with corporate trustees, joint ventures, bare trusts for development purposes, or structures involving multiple generations of a family. We work with lenders and your advisory team to navigate these arrangements, ensuring lending is compliant and correctly documented.

How We Approach Complex Structure Lending

Our process for complex entity lending follows a specific methodology:

We begin by understanding your complete entity map: every trust, company, SMSF, and personal holding, and how they relate to each other

We review existing lending across all entities to identify inefficiencies, risks, or opportunities

We consult with your accountant and solicitor to understand the strategic rationale behind the structure and any constraints they have identified

We identify lenders whose policies accommodate your specific entity types and borrowing requirements

We prepare applications that address the common sticking points, including trustee authority, beneficial ownership, guarantor requirements, and income attribution, before submission

We manage the process through to settlement, coordinating documentation across all parties

Scenarios We Handle Regularly

A medical specialist borrowing through a family trust for an investment property, with income flowing from a service trust and personal PAYG: three entities contributing to a single lending decision

A husband and wife with a discretionary trust, two companies, and an SMSF, refinancing six properties across four lenders to create a more efficient structure

A business owner purchasing commercial premises through their SMSF while simultaneously taking out a residential loan in personal names

A legal partnership where income is distributed through a service trust to a family trust, creating a three-step income trail that most lenders struggle to assess

An intergenerational arrangement where parents are assisting adult children with property purchases through trust lending and guarantor structures

Frequently Asked Questions

High Net Worth

For premium lending solutions

Entrepreneurs

Lending for business owners with complex income

SMSF & Wealth Finance

Property lending within your super fund

Specialist Lending

Solutions for complex lending scenarios

Ready to Discuss Your Structure?

Book a confidential assessment with our specialist team.

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The information on this page is general in nature and has been prepared without considering your personal objectives, financial situation, or needs. Before acting on any information, you should consider its appropriateness having regard to your own objectives, financial situation, and needs and seek independent professional advice. Exec Finance Pty Ltd is a MedX Finance Operations PTY Ltd brand.