Loans to companies and trusts

A structure the checklist can't read.

Business purpose loans to company and trust borrowers, secured by a first mortgage over residential property. A person in credit reads the structure behind the deal, trusts and guarantors included.

Standard rate: From 7.95%
Max LVR: 75%
Term: 3 to 24 months
Income: No verification

Standard Term figures. Loans from $200,000 to $15,000,000 across our three products. See the full matrix

How we read it

01
Companies and trusts are who we lend to.
Every Titan loan is to a company or trust borrower, for a business purpose. We don't lend to individuals in their own name.
02
Several entities, one deal.
Our Dover Heights deal had a company borrower with three trusts and four guarantors behind it, on one first mortgage.
03
A guarantor overseas, planned for.
On our Burnside deal we built the offshore guarantor's independent legal advice into the plan from day one.

Real deals from our desk

Structures we've worked with.

Just fundedDover Heights, NSWRefinance and ATO payout
An existing lender and the ATO, both paid out on the day it settled.
$4.42M
55.25% LVRStandard max 75%
8.35% · 12 months
Read the deal
The scenario
A company borrower, with three trusts and four guarantors behind it, held a house in Dover Heights carrying an existing facility and an outstanding ATO position.
The catch
Most lenders want a tax debt resolved before they will look at a deal. This borrower needed the funding in order to resolve it.
How we read it
Valued at $8M, the security carried both debts comfortably. We paid the existing lender and the ATO directly at settlement, so neither had to be solved first.
$4.42M settled at 55.25% LVR. The existing facility and every ATO liability were cleared from one first mortgage.
DevelopmentBurnside, QLDNew purchase
Offshore guarantor. Developer sale. Credit approved in 8 days.
$588K
70% LVRStandard max 75%
7.95%
Read the deal
The scenario
A straight purchase through an established developer, with the guarantor behind it based overseas.
The catch
An offshore guarantor needs independent legal advice arranged first, a step that stalls most bank timelines.
How we read it
Built the offshore legal advice into the plan from day one and assessed the deal as a standard purchase.
Credit approved in 8 days. Settlement proceeding as a straight purchase, offshore guarantor included.

Client details anonymised. Figures reflect the approved structure and are subject to Titan Capital's credit criteria. Terms and conditions apply.

Where it fits.

A good fit

A company or trust borrower with a business purpose
Related trusts and several guarantors behind the borrower
A guarantor based overseas, with independent legal advice arranged
At least one guarantor with a credit score of 550 or above

Not for us

Second mortgages
Commercial or industrial property as security
Individuals borrowing in their own name
Consumer or personal purpose loans

Not sure where a deal sits? Check it against the matrix

Questions brokers ask

The short answers.

If yours isn't here, call 1300 304 770.

Products and rates

Who can be the borrower?

A company or a trust, borrowing for a business purpose. We don't lend to individuals in their own name, or for consumer or personal purposes.

Can there be several trusts and guarantors behind the deal?

Yes. Our Dover Heights deal had a company borrower with three trusts and four guarantors behind it, all on one first mortgage.

Can a guarantor live overseas?

Yes. On our Burnside deal the guarantor was based overseas, and we built their independent legal advice into the plan from day one.

What do the guarantors need?

At least one guarantor needs a credit score of 550 or above. Beyond that, a person in credit reads the whole deal.

Do you need to verify income?

No income verification is required. We assess the security and the exit, not a servicing calculator.

What does it cost?

Standard Term rates start from 7.95%, with a line fee of 0.10% per month. The establishment fee is set per deal and your RM confirms it with the indicative terms. There is no exit fee, and brokerage is paid once, on settlement, with no clawback.

Rates and fees are indicative, current as at October 2026, and subject to Titan Capital's credit assessment. Business purpose lending only. Terms and conditions apply.

Got a scenario?

Two lines is all we need.

01The security
02Roughly how much
03What it's for

Send it the way you'd explain it on a call.

Call 1300 304 770