

Any structure being Trust or Company will be acceptable for lending to investors. What a lender will want to see when reviewing if you can service the loan is the beneficiaries income and liabilities. LeaseDOC is there rental income supports the loan. This is when the purchase can be serviced based on the lenders interest rate + 2% (% paid will be based on the lvr or % borrowers) and then using the actual rent + 25%. Self employed have other options including Lo Doc which involves your accountant confirming your income rather than via tax returns.


Hi Erin, Family trusts are becoming more common place due to a variety of reasons. All though it reduces the number of Lenders who can assist with the Home Loan a Good Broker will be able to assist and place you with the most appropriate Home Loan to suit your needs. I would also suggest (if you have not done so already) engaging an experienced accountant who you trust to guide you on the tax implications and explain the pro's and cons to ensure it is the most appropriate structure. Feel free to reach out if you require any further assistance Marty

Hi Erin, yes this is not a trouble at all. Family discretionary trusts are a very common investment vehicle. Unit trusts are a little less common but both type of types you have plenty of options. I personally have both of these structures myself for my investments so I have quite a good understanding. Happy to go through the details with you. Have a great day.

LEZLI
Hi, I can help you - please feel free to contact me via my Profile page. Have access to over 40 lenders, so will find someone who can do your deal. Look forward to hearing from you. Thanks. Lezli