Smart home loan solutions for your property goals.
While company structures are not always the default option for property investors, they can play an important role in certain investment strategies. Companies offer benefits such as asset protection, profit retention, and flexible financial structuring.
In some situations, purchasing property through a company may provide advantages that differ from investing through individuals or trusts. Understanding these differences helps investors choose the most suitable structure for their long-term financial goals.
What Is a Company Loan?
Land Tax Benefits
In some regions, companies may qualify for specific land tax thresholds depending on the property and jurisdiction. Although companies usually do not receive the same capital gains tax discounts available to individuals or trusts, the overall financial outcome can still be favourable in certain investment scenarios.
For investors holding multiple properties or planning long-term portfolios, a company structure can sometimes provide a clearer tax structure and simplified ownership model. When used correctly within a broader investment strategy, companies can help manage property assets more efficiently and support future expansion of a property portfolio
Flexible Funding Between Companies
In some regions, companies may qualify for specific land tax thresholds depending on the property and jurisdiction. Although companies usually do not receive the same capital gains tax discounts available to individuals or trusts, the overall financial outcome can still be favourable in certain investment scenarios.
For investors holding multiple properties or planning long-term portfolios, a company structure can sometimes provide a clearer tax structure and simplified ownership model. When used correctly within a broader investment strategy, companies can help manage property assets more efficiently and support future expansion of a property portfolio.
PROPERTY INVESTMENT PLANNING
Company structures can allow greater flexibility when moving funds between related business entities. For example, loans between companies may sometimes be structured without immediate interest obligations, depending on the arrangement and compliance with regulations.
This flexibility may allow investors to retain funds within a company and reinvest them into new opportunities without immediately distributing profits to individuals. Compared with other ownership structures, this approach can provide opportunities for tax deferral and improved cash flow management, especially for investors operating through trading companies or investment entities.
Land Tax Benefits
In some regions, companies may qualify for specific land tax thresholds depending on the property and jurisdiction. Although companies usually do not receive the same capital gains tax discounts available to individuals or trusts, the overall financial outcome can still be favourable in certain investment scenarios. For investors holding multiple properties or planning long-term portfolios, a company structure can sometimes provide a clearer tax structure and simplified ownership model. When used correctly within a broader investment strategy, companies can help manage property assets more efficiently and support future expansion of a property portfolio
Flexible Funding Between Companies
In some regions, companies may qualify for specific land tax thresholds depending on the property and jurisdiction. Although companies usually do not receive the same capital gains tax discounts available to individuals or trusts, the overall financial outcome can still be favourable in certain investment scenarios. For investors holding multiple properties or planning long-term portfolios, a company structure can sometimes provide a clearer tax structure and simplified ownership model. When used correctly within a broader investment strategy, companies can help manage property assets more efficiently and support future expansion of a property portfolio.
Property Investment Planning
Company structures can allow greater flexibility when moving funds between related business entities. For example, loans between companies may sometimes be structured without immediate interest obligations, depending on the arrangement and compliance with regulations. This flexibility may allow investors to retain funds within a company and reinvest them into new opportunities without immediately distributing profits to individuals. Compared with other ownership structures, this approach can provide opportunities for tax deferral and improved cash flow management, especially for investors operating through trading companies or investment entities.
SPECIALIST BORROWER POLICIES
We understand that every borrower’s situation is different. Our experience with lender policies allows us to structure loans for a wide range of income types and financial circumstances.
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Self-Employed
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PAYG Employees
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Joint Purchases
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Debt Management
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Equity Access
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Flexible Expenses
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LMI Waivers
We have strong experience working with business owners and understanding different income verification methods.
Income can be assessed using:
• Full financial documentation
• Low documentation options such as BAS statements, accountant letters, or business bank statements
• Director wages with at least 6 months of history
• One year financials with major lenders
• 12-month ABN applicants with competitive lending options
• Contractors transitioning from previous PAYG employment
• Lenders that may ignore certain company debts in serviceability calculations
• Using franking credits as part of income where applicable
Employees with standard or variable income structures may still qualify through several lending options.
Common income types accepted include:
• Novated lease arrangements
• Bonuses received within the last 12 months
• Commission income with 6+ months history
• Casual employment with recent payslip evidence where prior experience exists in the same field
• Maternity leave scenarios depending on return-to-work confirmation
• Frontline workers where lenders may use 100% of income
• Contract employees depending on contract duration and employment history
Purchasing property with family or friends can increase borrowing capacity.
Higher-income applicants can help support lower-income applicants through shared servicing arrangements.
Certain lenders allow restructuring or separating debts held by non-applicants, which can improve borrowing capacity and loan approval chances.
Homeowners may be able to access up to 80% of their property value through equity release, often without extensive documentation.
Higher equity access may require additional verification.
Some lenders apply flexible policies when assessing living expenses, such as:
• Excluding private school fees if funds are already set aside to cover them
• Including private health insurance within acceptable living expense calculations
• Considering body corporate expenses within lender-approved guidelines
Many qualified professionals may be eligible for Lenders Mortgage Insurance (LMI) waivers, allowing higher borrowing limits without paying LMI.
Common professions include:
• Accountants
• Actuaries
• CFA holders
• Medical professionals
• Nurses
• Solicitors and other degree-qualified professionals
In many cases, these borrowers may qualify for up to 90% borrowing without LMI.
Our Mortgage Process
Initial Consultation
We begin with a discussion to understand your financial goals, income, and borrowing capacity. This helps us identify the best loan options for your situation.
Application Preparation
We prepare and submit the loan application with all required documents to ensure a smooth and accurate submission.
Financial Assessment
Your financial documents such as income details, expenses, and credit history are reviewed to determine loan eligibility and suitable lenders.
Lender Approval Process
The lender reviews the application and may request additional information. We coordinate with the lender and guide you through each step.
Loan Options & Recommendation
Based on the assessment, we compare lenders and loan products to recommend the most suitable option that matches your needs.
Loan Approval & Settlement
Once approved, we assist with final documentation and settlement to ensure the loan process is completed smoothly.
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Lending to a Company
Financing property through a company structure is generally straightforward when structured correctly. In most cases, company directors or shareholders must act as servicing guarantors, meaning their personal income is used to assess loan affordability. While the loan and property remain under the company’s name, the lender still evaluates the financial capacity of the individuals behind the company.
Although some lenders do not offer loans to company borrowers, several specialist lenders provide competitive and flexible options for investors using company structures.
Who Company Loans Are Suitable For
- 1. Have an established self-managed super fund
2. Want to invest in property using their super
3. Are planning for long-term retirement wealth growth
4. Want greater control over their super investments
How Finchos Helps with Commercial Loans
We assist you with:
Understanding your borrowing capacity
Connecting you with company-friendly lenders
Structuring loans to match your business goals
Managing applications and documentation
Supporting you from application to settlement
Why Choose Finchos?
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