Not all borrowers fit the traditional lending model. If you are borrowing through a trust or company, hold significant assets, have multiple income streams, or require a tailored structure, you may need complex lending solutions.

We specialise in helping sophisticated borrowers navigate non-standard lending scenarios. Whether you are a high-income earner, business owner, investor with multiple properties, or working with legal and financial advisers to structure your loans through entities like discretionary or unit trusts, we can support your needs.

Complex lending often involves a deeper analysis of income, assets, liabilities, and ownership structures. Standard lenders may not accommodate these scenarios, but we work with banks and specialist lenders who offer greater flexibility and a more considered approach.

Our process begins by understanding your financial position and objectives. From there, we determine the most appropriate structure, considering tax efficiency, asset protection, and borrowing capacity. We liaise with your accountant or financial planner to ensure the loan setup aligns with your overall financial strategy.

We can also support multi-security loans, cash-out refinances, loans involving foreign income or multiple applicants, and property transactions within family groups or self-managed structures.

Every client’s situation is unique. That is why our approach is hands-on and tailored, providing clear guidance throughout the process and managing any additional legal or compliance requirements that may apply. Complex borrowing does not have to mean complicated. With the right expertise, you can structure your finance in a way that supports both your short-term goals and long-term plans. Our team is here to make that happen.