All finance quotes are provided free (via our secure server) and without obligation. We respect your privacy.
CAR LOANS
AUSTRALIA
SHARE
Share this news item!
Australian Banks Tighten Trust Lending Policies in Response to Regulatory Oversight
Understanding the Implications of Recent Changes in Trust Lending by Major Australian Banks
0
The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.
In a significant shift within Australia's financial sector, major lenders Macquarie Bank and the Commonwealth Bank of Australia (CBA) have recently implemented stricter policies regarding lending to trusts and companies.
These changes are indicative of a broader industry response to regulatory concerns about systemic risks in housing finance.
Macquarie Bank announced a pause on new home loan applications from trusts and companies in late October 2025. This decision was influenced by the proliferation of social media strategies promoting the use of trusts for investment purposes, which raised concerns about potential misuse of trust structures. Additionally, upcoming anti-money laundering regulations are expected to complicate trust and company lending processes, contributing to Macquarie's cautious approach.
Similarly, CBA introduced restrictions effective from 22 November 2025, requiring non-individual borrowers to have an existing lending facility with the bank that has been active for at least six months. This policy change aims to simplify the loan origination process and reinforce prudent lending standards.
These developments underscore the importance for investors and borrowers to stay informed about evolving lending policies. Understanding the rationale behind these changes can help in navigating the complexities of property investment and financing in Australia.
Published:Thursday, 5th Feb 2026 Source: Paige Estritori
Please Note: If this information affects you, seek advice from a licensed professional.
In November 2025, Australia's mortgage market achieved a new milestone, with the total value of residential mortgages reaching $2.41 trillion. This record-breaking figure reflects a 0.67% increase from the previous month and a 6.36% rise over the past year, as reported by the Australian Prudential Regulation Authority (APRA). - read more
The Australian mortgage market has witnessed a significant surge in refinancing activity, with nearly 100,000 loans refinanced in the June 2025 quarter. This marks the highest level since September 2023 and reflects homeowners' proactive responses to recent interest rate cuts by the Reserve Bank of Australia (RBA). - read more
Welcome to Car Loans Australia, a proud member of the Financial Services Online network. Owned and operated by Clark Family Pty Ltd, A.C.N. 010 281 008, we are dedicated to helping Australian individuals and businesses find the best financial products, services, information, and advice available online.
calculatorWidget
knowledgeBaseWidget
Our Commitment
At Car Loans Australia, we do not endorse specific financial products or offer financial advice. Instead, we connect you with specialist financiers, insurers, or other financial advisors who can provide expert guidance based on your unique circumstances. Please note that Car Loans Australia may receive a fee or commission for these referrals.
Information and Guidance
The financial information on our website, including articles and news items, is intended for general informational purposes only. It should not be considered a substitute for professional advice. We strongly recommend consulting a qualified, licensed financial advisor to discuss your specific situation before making any financial decisions.
Connecting You with the Right Solutions
Our primary role is to facilitate connections between you and the right financial resources. Whether you need a specialized financier or an expert advisor, we aim to introduce you to professionals who can help you achieve your financial goals.
Contact Us
We are here to assist you with any questions or further information you may need. Please feel free to reach out to Car Loans Australia for assistance.
