In Australia, trust loans, such as family trust loans, provide a strategic financial solution for those looking to grow and protect their wealth. Whether you’re managing family assets or investing in property, you can use these loans to leverage your existing assets for new opportunities.
At Ausfirst Lending, we understand the unique complexities of trust loans and their benefits. With our expert brokers by your side, you’ll receive the support and information you need to make well-informed decisions throughout the process.
Ausfirst Lending Group is proud to be recognised as a finalist in the 2024 Sunshine Coast Business Awards under the Professional Services category, showcasing our commitment to excellence and dedication to serving the community with integrity and expertise.
We don’t just find you a loan that fits; we aim to get one that exceeds your expectations in terms of rates, options, and service.
We work with over 40 lenders, including big banks and non-bank lenders, giving you unparalleled mortgage choice—you have plenty of options to choose the most suitable home loan for you.
Our team is dedicated to guiding you throughout your homeownership journey, whether it’s securing your first home or an additional investment property. We provide ongoing support, including a 6-month review process to keep your loan competitive.
Every mortgage broker on our team has over 10 years of industry experience, ensuring expert advice every step of the way.
We tailor home loan solutions that prioritise your best interests, not the bank’s.
Our entire process is transparent and easy to understand, making the entire journey hassle-free.
Yes, trust loans are often used to purchase property, allowing the trust to expand its asset base without selling existing holdings. This is particularly useful for family trusts or investment trusts looking to grow their portfolio while maintaining control over current assets. The property purchased typically becomes part of the trust’s secured asset base.
Yes, family trust loans are specifically designed for this purpose. They allow families to purchase residential properties under the trust, ensuring the asset remains protected and aligned with long-term wealth strategies.
Not all trusts are eligible for a trust loan. Trusts must have specific provisions in their trust deed allowing the trustee to borrow on behalf of the trust. Trusts that can apply for loans include family trusts and testamentary trusts, provided their legal documents permit borrowing.
Yes, it’s possible to secure a discount on trust loans, but this often depends on the financial stability of the trust and the lender’s policies. Some lenders offer reduced rates to trusts with strong financial profiles or those presenting lower risks. It’s important to work with a mortgage broker who understands trust loans and can help you negotiate competitive terms.
In some cases, beneficiaries may be required to guarantee a trust loan, especially if the lender believes that additional security is needed. This typically happens if the trust’s assets alone aren’t sufficient to back the loan. A beneficiary guarantee adds an extra layer of assurance for the lender but may also involve providing detailed financial information about the beneficiaries.
Yes, trust loans can offer tax benefits, particularly through income splitting, capital gains tax exemptions, and tax deferral. By distributing income among beneficiaries or strategically deferring distributions, you can reduce the trust’s overall tax liability. However, it’s important to consult with a tax adviser to ensure your trust is structured to maximise these benefits.
Trust loans come with certain risks, including the potential for asset seizure if the loan defaults. Since trust assets serve as collateral, non-repayment could result in losing valuable property or investments. Additionally, fluctuating interest rates on variable-rate loans can increase repayment costs, so it’s essential to have a solid financial plan in place.
To apply for a trust loan, you’ll need to gather key documents such as the trust deed, financial statements, asset valuations, and identification for trustees and beneficiaries. Submit these along with a comprehensive loan application explaining the purpose of the loan. The lender will assess the trust’s financial health and collateral before approving the loan.
Securing the right loan should be a personal journey, not a transaction. That's why when you choose us, you deal directly with Richard, the founder, who brings over 30 years of hands-on experience managing diverse loan projects across Queensland.
Unlike larger brokerages where you become just another file number, Richard personally oversees every client's loan process—whether you're purchasing your first home, refinancing, expanding your investment portfolio, or acquiring commercial equipment. His extensive industry knowledge ensures you receive tailored advice, a smooth application experience, and solutions that align with your long-term financial goals.
We’re not just mortgage brokers; we’re your trusted lending partners. With a commitment to transparency, accessibility, and genuine care.
In other words, you are not passed between departments—you are looked after by someone who treats your financial success as his own.
Speak to Richard Today →Whether you're buying your first home, refinancing, or exploring loan options through a trust or SMSF, we’re here to guide you every step of the way. As your trusted Mortgage Broker on the Sunshine Coast, we offer personalised advice tailored to your needs.
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