05/06/2026
That trust sitting quietly off your credit file?
Banks just found it.
Resimac. FirstMac. Second-tier lenders who were still doing trust lending are now running credit checks on every entity you're connected to' not just you personally.
The strategy that kept your trust "outside the picture" no longer works the way it used to.
And if you're an investor who's been using trust structures to manage your borrowing exposure, your next loan application is going to look very different to your last one.
Here's what most people don't realise though; this isn't the end of trust lending. It's the end of trust lending done wrong.
If your structure is genuinely sustainable, positively balanced, and properly documented, the banks are still willing to back you.
They just want to see it first.
The investors with solid foundations have nothing to fear.
The ones who've been overleveraging under the cover of complexity?
That's a different conversation.
๐๏ธ Full breakdown with Ali from Mortgage Scout on the Australian Property Academy YouTube channel. This is the episode every investor with a trust needs to watch before their next purchase.
๐ Link in the comments.