Triple O Finance

Trust & Company Home Loans: Smart Lending for Structured Property Ownership

Competitive Rates | Fast Approval | No Hidden Fees

Structured Lending for Smart Investors and Business Owners

Thinking about buying property through a trust or company structure? At Triple O Finance, we help investors, business owners, and professionals navigate the complexities of trust and company lending – with access to specialist lenders and tailored finance strategies.

Why Buy Property Through a Trust or Company?

Asset Protection

Tax Planning Opportunities

Estate planning and succession flexibility

Separation of personal and business finances

Types of Structures We Support

We assist with loans for:

  • Discretionary (Family) Trusts
  • Unit Trusts
  • Hybrid Trusts
  • Companies (Pty Ltd)
  • Trusts with Corporate Trustees

Each structure has unique setup and compliance requirements – and not all lenders treat them equally. We work with you (and your accountant or legal adviser) to ensure your loan application meets both lender and legal requirements.

What You’ll Need for Approval

To apply for a trust or company home loan, lenders will typically request:

  • Trust deed or company constitution
  • ABN and registration details
  • Tax returns or income verification (trust, company, and guarantor)
  • Personal guarantees from directors or trustees
  • Proof of serviceability for the loan

Not all lenders assess trust or company income the same way – that’s where our expertise ensures you’re matched with the right fit.

Trust & Company Loan Features Available

We help you access flexible lending options such as:

  • Up to 80% LVR (sometimes more with specialist lenders)
  • Interest-only or principal & interest
  • Fixed, variable, or split rates
  • Offset accounts (available with select lenders)
  • Access to equity in existing property
  • Loans for both residential and commercial property purchases

How Triple O Finance Helps

We simplify what many see as a complex process:

  • We compare over 35 lenders who offer trust/company loans
  • We package your application with the right structure and documents
  • We liaise with your accountant or solicitor to ensure alignment
  • We provide upfront guidance on which lenders will work with your setup
  • We stay with you from pre-approval to settlement – and beyond

Who Are These Loans Suitable For?

Trust or company loans are ideal for:

  • Property investors building a portfolio
  • Business owners seeking tax-efficient structures
  • Asset protection-focused borrowers
  • Families planning intergenerational wealth transfer
  • High-income professionals investing through family trusts

Insights on Trust & Company Lending

Ready to Structure Your Property Investment the Smart Way?

If you’re planning to buy property through a trust or company, let’s talk strategy first. We’ll help you finance it the right way – without the runaround.

What our customer have to say

Andrew B

We can not thank the Triple 0 finance team enough for their help in securing our dream home. Special shout out to Nish and Ash for their dedication, open communication and support throughout the loan application process. From day one, we knew we were in safe hands. Every time we raised a concern, they had a solution. Nish and Ash made the whole process run smoothly and secured us a fantastic rate considering the current climate. Thanks guys!

Sammy Crypto

We found Ash and Triple O Finance Team through an online platform.
Ash set up an interview with me and obtained all our financial requirements and objectives.
The Initial application was for refinance of our family home for a better interest rate and some debt consolidation. Ash and his Team reviewed our application and provided us with a very competitive interest rate along with the cash back offer.

Anup Das

We recently worked with Triple O Finance for our mortgage needs and what a pleasure it was. Nishant is highly knowledgeable and guided us flawlessly throughout the process. During our initial call he was meticulously prepared and clearly understood our requirements. He walked us through all the options with a clear thought process and helped us choose the best option for our needs.

Mustafa AMIRI

I recently had the pleasure of working with Nishant and Jill from Triple O Finance to purchase my house, and I couldn’t be happier with the experience. Nishant went above and beyond to ensure a smooth and successful transaction.

Tejaswini teju

By our personal experience, we highly recommend Triple 0 Finance for all your loan and financial needs. Nishant and their team are exceptionally knowledgeable and adept in their fields, offering a wide range of the latest financial products. From the moment we reached out to Nishant Ramavat at Triple O Finance, his proactive and genuine guidance has continuously impressed me. Without Nishant’s assistance, obtaining a home loan and taking a step closer to realizing our dreams would have been much more challenging. Thank you so much Nishant – Manoj & Tejaswini from N.T

Prasvin Pandey

I have had the pleasure of working with Triple O finance since a few years. Ash and Jill have always provided a top-notch service. I have recommended them to a few of my family and friends, and they have been very happy with the service as well.

Phillip Hausfeld

Happy with the service although settlement short falls need to be better anticipated/managed and better awareness of Bank Holidays when requesting attendance to bank branches to make payments. This unplanned activity was quite disruptive to my day as I was with clients, fortunately my manager was able to cover for me to some extent.

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