Trust
SpecialistBorrowing through a trust structure
Advantages
- + Estate planning benefits
- + Asset protection from creditors
- + Tax efficiency for inheritance
- + Privacy for beneficiaries
Considerations
- - Very few lenders accept trusts
- - Complex legal structure
- - Trustees personally liable
- - Higher rates and fees
Documentation Required
Trust Deed
Schedule of beneficiaries
Proof of ID for all trustees
Legal opinion on trust powers to borrow
Trustees' resolution to borrow
Lenders Accepting Trust
| Lender | Rate From | Max LTV | Notes |
|---|---|---|---|
| Together | 0.65% /mo | 60% | Most flexible on trusts, case by case |
| Shawbrook | 0.60% /mo | 60% | Bare trusts only, discretionary case by case |
| Glenhawk | 0.65% /mo | 60% | Some trust structures considered |
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