With so many lucrative investment opportunities available, many investors are now using their trusts as vehicles to invest in real estate!

Are you a property investor that is looking to borrow funds using your trust?

How much can you borrow?

It is possible to borrow money using a property investor trust if you know which lenders to apply with.

  • Investment loans: 95% of the property value.
  • Low doc (no income evidence): 60% of the property value, on a case by case basis.
  • Discounts: Competitive professional package and basic loan discounts are available.

Low doc property investment trust loans are only available from select lenders. Please discuss this with us if you require a low doc loan for your trust.

Some lenders have restrictions on lending to property investment trusts with a company as the trustee, however can accept trusts with a personal trustee.

Speak to us on 1300 889 743 or enquire online and our mortgage brokers will find the most suitable lender for your situation.

Which banks have loans for property investor trusts?

Most banks will not approve normal home loans for real estate investor trusts that take the form of a hybrid trust.

Typically, your loan will be processed as a business loan, which means you will pay higher fees, a higher rate and will not be allowed to borrow as much!

The secret to getting a low interest rate is to apply with a lender that considers PITs via their residential department.

Please call us on 1300 889 743 or enquire online to discuss your situation with one of our mortgage brokers.

Why do accountants set up trusts that can’t borrow money?

Many property investors see an accountant, pay $2,000 or $3,000 for a new trust and then start looking for property to invest in.

Unfortunately for most, they soon find out that there are few banks that will lend money to a trust!

Accountants are rarely expert mortgage brokers and simply do not know the lender guidelines for hybrid trusts used for property investment.

In particular, there are few lenders that offer property investor trust low doc loans.

Please call us on 1300 889 743 or enquire online to discuss your situation with one of our mortgage brokers, before you setup your trust.

What is a property investor trust?

Property Investor Trusts (PIT) 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.

They are typically used by investors that are buying negatively geared investment properties, while those investing in positively geared properties tend to favour discretionary trusts.

Speak to a financial expert

The variations on investment trusts are endless! Please refer to your trust deed and talk to your accountant for financial advice before investing.

This way, you can make an informed decision when choosing an investment property and can maximise the tax benefits you receive.

Apply for a PIT Home Loan

Our mortgage brokers are trust specialists and can quickly work out which lenders can help and which loans would be the best suited for your situation.

Please call us on 1300 889 743 or enquire online and one of our brokers will give you a call to discuss the finance that is available for your trust.

  • Wilson

    I’m thinking of using my trust to invest in property but what I need right now is a calculator or any resource that can help me get an estimate of the cash flow position after I purchase. Can you point me towards something like that?

  • Hey Wilson, you can use the investment property cashflow calculator to get an accurate estimation of the weekly cashflow position of the investment property. You can check it our here, with instructions on how to use it included:

  • salmon

    My trust is running into some problems at the moment so I don’t think I’ll be able to use it to invest. Will I be able to use my SMSF to invest in a commercial property instead?

  • Hi salmon,

    Through an SMSF loan, you may be able to borrow up to 70% of the value of a commercial property. However, the loan terms for commercial security properties is generally up to 15 years only. You can learn more about this on the SMSF commercial loan page:

  • Luke S

    I would like to send you guys a detailed explanation of my situation and about the mortgage I want. Where would it be suitable for me to send this? I also have a few docs that I would like to fax. Please suggest.

  • Hi Luke,

    You can send in your details to us by emailing it at info@homeloanexperts.com.au after which one of our brokers will contact you with our assessment and recommendations. You can fax in your docs to us at +61 2 9475 4466.

  • Belliveau

    Do you offer any high net worth individuals services?

  • Hey Belliveau,
    Yes, we do. Our team of specialist mortgage brokers can help with our exclusive High Net Worth Clients package. Please check out this page to find out about what exactly we offer:

  • Patrice

    2 out of 3 banks that I’ve narrowed down use Genworth LMI and the other uses Arch Capital. Is there any way that I can check out what these insurers are good at and what they may not approve?

  • Hi Patrice,

    We have pages on both Genworth LMI and Arch Capital LMI as well as other LMI providers as well that include their strengths and drawbacks. You can check them out here under the lenders mortgage insurance section on our website: