Trust & SMSF Finance

Strategic Lending Solutions for Wealth-Building Structures

Whether you’re borrowing through a family trust, unit trust, or a self-managed super fund (SMSF), structuring your finance the right way can create powerful opportunities — but it requires expert guidance to get it right.

At Mortgage Base Finance, we specialise in helping clients access property and investment finance through trusts and SMSFs with tailored strategies, lender-matched structures, and hands-on support from start to finish.

How We Help Trust & SMSF Borrowers

Lending through a trust or SMSF comes with unique rules and lender policies — from who can act as the borrower or guarantor, to how income and assets are assessed. We’re here to:

✅ Navigate complex structures – We work with discretionary (family), unit, hybrid, and corporate trustee setups to match your loan to your entity’s structure.

✅ Simplify lender requirements – We help gather trust deeds, financials, resolutions, and structure diagrams so the process doesn’t stall at the starting line.

✅ Access specialist lenders – We work with lenders who actively support trust and SMSF lending and understand alternative income streams and non-standard servicing profiles.

✅ Ensure SMSF compliance – For SMSFs, we help ensure your loan is structured within ATO and SIS Act rules — including bare trust setup, limited recourse borrowing (LRBA), and investment strategy alignment.

✅ Work with your advisors – We collaborate with your accountant, financial planner, and legal team to ensure your loan strategy complements your overall wealth plan.

The Process: How It Works

Initial Discovery – We start with a strategic call to understand your trust or SMSF structure, investment goals, and borrowing needs.
Document Review – We assess your trust deed or SMSF documentation and confirm lender eligibility.
Lender Match – We compare suitable lenders based on your structure, serviceability, and risk profile.
Loan Structuring – We recommend the best loan format (interest-only, principal & interest, fixed/variable, etc.) based on your investment strategy.
Application & Approval – We handle the paperwork, liaise with the lender, and stay in touch with your advisor network.
Settlement & Beyond – Once your loan settles, we remain available to review, refinance, or support future growth moves.

What This Could Mean for You

With correctly structured trust or SMSF finance, you could:

Acquire residential, commercial, or rural property through your entity
Protect personal assets through smart structuring
Use superannuation to build a long-term, income-producing portfolio
Take advantage of tax-effective investment strategies
Expand your property portfolio without holding everything in your personal name

Trust & SMSF Lending Options

✔️ Property investment loans for trusts
✔️ Limited recourse borrowing arrangements (LRBAs) for SMSFs
✔️ Equity release for trust-held property
✔️ Commercial property loans for SMSFs
✔️ Refinance of existing SMSF or trust loans
✔️ Specialist and low-doc options for complex structures

Why Choose Mortgage Base Finance

Trust and SMSF finance isn’t just a service we offer — it’s a space we understand deeply. With years of experience working alongside high-net-worth individuals, small business owners, and family investors, we know how to structure finance for long-term protection and performance.

When your investments are held in entities designed to shield and grow your wealth, you deserve a broker who’s just as strategic.

Book a Confidential Strategy Session

There’s no obligation — just expert advice and a clear plan forward. If you’re considering borrowing through a trust or SMSF, or you want a second opinion on your current setup, we’re here to help.

👉 Book Your Free SMSF or Trust Finance Consult

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