


Hi Boris - Hybrid trusts are not the easiest lending structure - family trusts are. If you have advice around why your setting up the Hybrid trust - lending can be one limitation. For servicing - simply we check who benefits from the trust and check their personal income capacity (so they can be servicing / security guarantors) and base the lending on the new build + rent and any existing.

Hi Kelvin, Many thanks for your response. The fact is we are at the very first step and need clear idea what would be required to get full doc or low doc loan for trust. Let’s say 10 people in trust and combined income is $400,000 a year. Trustee's income $80,000 a year. What kind of loan can be approved with full doc and what percentage of property cost would required for low doc application? Could you please clarify? Best regards, Boris

Boris
It is clear - thanks a lot Kelvin