Buying property using a trust loan?
Find out if you qualify for a discounted rate!

  • Family, hybrid, unit and discretionary trusts are all ok!
  • Borrow up to 95% of the property value.
  • Low doc loans available.

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Our award-winning mortgage brokers will find you the right home loan for your situation.

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How does a trust loan work?

Under a trust loan arrangement, the company or person acting as the trustee is the borrower.

They apply for the home loan and provide a guarantee for the repayments.

The property itself is held by the trustee while you, as the purchaser, are the beneficiaries of the trust.

Which type of trusts are accepted?

The most common types of trusts used for the purpose of property investment are:

  • Discretionary trusts: the trustee determines which beneficiaries receive the trust funds and how much they receive.
  • Family trusts: this is similar to a discretionary trusts, but the beneficiaries are related.
  • Unit trusts: the trustee divides the trust between unit holders, according to the number of units that they have.
  • Hybrid trusts: this is a mix between a discretionary trust and a unit trust. The beneficiaries still hold units, but the trustee has discretion to distribute funds to any unit holder they wish to.
  • Property Investment trusts: can be any type of trust that is used to invest in real estate, however they are usually a type of hybrid discretionary trust or unit trust.
  • Self-Managed Superannuation Fund trusts (SMSF): this is a trust that’s established by people who want to manage their own superannuation.
  • Service trusts: this is usually a type of discretionary, unit or hybrid trust.

Frequently asked questions:

How do I get discounts?
We can help you find a lender that processes your loan as a residential loan rather than a business loan so you can avoid more fees and a higher rate.

Can the loan be in my name?
Yes, it’s possible to set up the loan to be in the name of the trustee or director of the trustee instead of being in the trust name.*

*Please talk to your accountant for tax advice regarding the different structures.

We’ve lent more than $1 billion+ Australia-wide.

  • They walked us through the process step by step

    We would like to say thank you to Hank from Home Loan Experts for all his help in getting us a guarantor loan.

    We were really unsure if we would ever get an approval for a home loan, but Hank immediately knew the right lender to approach for our situation, and made the whole process simple…

    We would definitely recommend Home Loan Experts to anyone. Thanks again to Hank and the team from Home Loan Experts for making it possible for us to own our first home.

    Ianthe S & Jadobi l, Carina QLD

  • A very friendly, professional and helpful team

    The team was very friendly, professional, helpful and went out of their way to get the right loan that was suitable for us… I recommend this service for those who find it very hard to purchase a property going directly to a bank. Thank you Home Loan Experts, you have finally given my family and me the opportunity to own a beautiful home.

    Denise H, Epping VIC

  • A lot smoother and less stressful than having to deal with banks as an individual

    Our mortgage broker was very personable and made us feel like he went above and beyond to assist us in getting our home loan. He had a great knowledge of guarantor home loans which set our minds at ease. He was happy to answer any questions even outside business hours and responded in a professional and timely manner. As a second home buyer I would recommend going through the home loan experts as this process was a lot smoother and less stressful than having to deal with banks as an individual. I would especially recommend Hoa to others.

    Melissa H & Rhys B, Wynnum West QLD

  • Exceeded my expectations in terms of results

    Throughout the process I felt confident in knowing I could rely on you and at no stage did I ever feel that trust could be an issue with you. You have exceeded my expectations in terms of results and have done this with very short notice. You are an asset to your company and a role model to your profession… I already have and will continue to recommend your services to friends and family.

    Thomas M & Tanya W, Botany NSW

  • So easy to speak to no matter how stressful the situation

    We are both so grateful to Amine for all of his hard work and great advice over the past year! It’s been such a long journey… We are starting to settle into our new home in Trentham now. It is just so beautiful and relaxing! We really love it and are so happy with our purchase. Amine was right all along – things happen for a reason! Thank you Amine for always being there for us.

    Tanya & Andrew B, West Melbourne VIC

  • He even made a guarantor loan from our parents seem effortless!

    After the roller coaster ride of going cap in hand to the bank manager, only to be turned away… we found Tony. What a refreshing change! Within a 2 week time frame, we had approval and were able to follow the normal approval process to get the loan…. With Tony’s inside knowledge on how lenders think he was able to approach the bank with an excellent case and really put us in a great position in the lender’s eyes…. We recommend Tony and Home Loan Experts strongly and will be using them for our next purchase…

    Julie W & Luisa C, Waikiki WA

We are experts at finding the right home loan solution
for our customers. Let us help you.

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