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Client got approved — under a Family Trust

Ever had a self-employed client with a Family Trust and income that just doesn’t fit the standard mould? We recently turned exactly that scenario into a formal approval — and we wanted to walk you through how, in case you’ve got a client sitting in the same boat right now.

AT A GLANCE

Product

Residential Alt Doc

Security

Residential investment property

Ownership Structure

Family Trust

Client Profile

Self-employed, trading 2+ years

Income Verification

Accountant Certification Letter + Self-Employed Income Verification Letter

Outcome

Loan formally approved

THE SCENARIO

Your client is self-employed. They run a solid business, generate genuine income, and want to invest in property — through a Family Trust. But their financials don’t look like a PAYG payslip, and two years of tax returns don’t tell the whole story.

Sound familiar? This is one of the most common scenarios brokers face — and one of the easiest to solve with the right lending partner.

THE SOLUTION

This is exactly what Residential Alt Doc is built for:

✅ Family Trust structures accepted as the purchasing entity — no unnecessary complexity.

✅ Accountant Certification Letter used to confirm business trading history and income.

✅ Self-Employed Income Verification Letter used to substantiate earning capacity — in place of full financial documentation.

THE RESULT
Loan Formally Approved

The client secured their residential investment property under the Family Trust — with income assessed the way self-employed business owners actually earn it.

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