Situation
Business owner with entities
You borrow through, or alongside, a company or trust and there are guarantees in the picture.
What changes for you
- Every entity in the structure gets assessed, not just you
- Existing business facilities and director guarantees count as commitments
- Consumer credit protections may not apply to part of the borrowing
The one that derails this profile most often: Cross-guarantees between entities. One weak entity can hold up the whole application.
Lanes that usually apply
Most likely first. Read the lane page before the first conversation, not after.
Commercial and business lending
Borrowing secured by commercial property, or for the business itself, where the assessment is about the business rather than a household budget.
What decides it ›Self-employed and low doc
Borrowing when your income comes from an ABN, a company, a trust or contract work, where proving income is the whole job.
What decides it ›Investment property loan
Borrowing against a property you intend to rent out, where tax treatment and serviceability buffers behave differently from a home loan.
What decides it ›Other situations
General information. How Australian lenders generally assess this profile. General information about how Australian lending is organised. Rules, thresholds and eligibility are set by government agencies and change; each lane links to the source so you can check the current position.