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Trust / company loan cost

See the indicative repayment uplift when borrowing via a trust or company.

What we can — and can’t — advise on

Foundation Finance operates as a credit representative under an Australian Credit Licence. We can advise on the credit product — the loan itself, how it’s structured, and which lenders suit your situation. Whether a self-managed super fund, trust or company structure is right for you is financial product, tax and legal advice, which sits with your licensed financial adviser, accountant or solicitor. This page covers the credit side only.

Loan amount

Base interest rate

Typical rate uplift

Loan term

yrs

Estimated repayment (structured)

$3,792.41

Standard repayment: $3,597.30
Extra per year: $2,341

Warning

The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates and results are estimates only, are not an offer of credit, and are subject to change and lender approval.

Illustrative only — the uplift varies by lender and structure. Choosing a trust or company structure is legal and tax advice; see your accountant and solicitor.

Get a personalised assessment

These figures are estimates. Tell us your details and we’ll give you real numbers — free and with no obligation.

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Who handles what

Getting it right usually means a small team. Here’s who does which part — we’ll gladly work alongside your other professionals.

Us (Foundation Finance)

The loan — structure, features, lender selection, serviceability and the application.

Licensed financial adviser (AFSL)

Whether an SMSF or investing via super suits you, and any financial-product advice.

Registered tax agent / accountant

Your tax position — negative gearing, deductions and CGT for your circumstances.

Solicitor

Legal structures, trust deeds, contracts and asset protection.

Quantity surveyor

An ATO-compliant tax depreciation schedule for your property.

General advice warning: The information on this page is general in nature and factual only. It does not take into account your objectives, financial situation or needs, and is not financial product, tax, credit or legal advice. Tax, superannuation and SMSF outcomes depend on your circumstances — speak to a registered tax agent and a licensed financial adviser before acting. Any estimates or calculator results are indicative only and not an offer of credit, a quote, or a guarantee of approval or savings.