Australian Banks Implement Stricter Mortgage Lending Guidelines

Understanding the Impact on Trust and Company-Structured Loans

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In response to rising risk concerns, major Australian banks are tightening their mortgage lending criteria, particularly for loans involving trust and company structures.

ANZ, for instance, has introduced new policies requiring borrowers to be existing customers for a specified period before applying for such loans.

This shift reflects a broader trend of banks recalibrating credit standards to mitigate potential risks associated with complex borrowing arrangements. While these measures aim to enhance financial stability, they may pose challenges for borrowers seeking loans under trust or company structures.

Prospective borrowers should be aware of these changes and consider consulting with financial advisors to explore alternative financing options or adjust their borrowing strategies accordingly.

Published:Wednesday, 1st Apr 2026
Author: Paige Estritori

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Australian Banks Implement Stricter Mortgage Lending Guidelines

Understanding the Impact on Trust and Company-Structured Loans

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