Trust structures, entity lending, and cross-collateral strategies — we handle the complexity so you can focus on building wealth.
Tax planning, accounting, and financial strategy from our expert partners.
Trust setup, company formation, and legal structuring for property portfolios.
Finance, lending, and mortgage brokering for all property types.
Property sourcing, deal analysis, and investment strategy from our partners.
Nearly half of Australian lenders won't lend to trusts. We know which ones will — and how to structure the application so the trustee borrowing arrangement satisfies their credit policy.
Holding property in a trust can separate personal assets from investment risk. We help you structure lending to maintain that protection — including navigating the personal guarantees most lenders require.
Unlock equity from existing properties held in any structure — personal, trust, or company. Refinance to release cash for your next deposit without selling or cross-securing your entire portfolio.
Borrowing through a company trustee or SMSF has stricter lender requirements. We match you with the right lender and structure the loan to meet their specific trust deed and compliance requirements.
We generally recommend stand-alone security over cross-collateralisation. Each property secures its own loan — giving you flexibility to sell, refinance, or switch lenders independently without your whole portfolio being tied together.
Lenders scrutinise trust deeds before approving loans. We review your deed upfront, flag any clauses that could cause a decline, and connect you with legal partners to amend or set up the right structure before you apply.
We analyse your current setup and recommend the best entity structure.
We help set up your trust or company with our legal partners.
We submit to 50+ lenders who approve trusts and entity structures.
Finance approved. You buy property 3, then we help you scale to 4, 5, 10.
"Personal income couldn't support 4 properties. Xcel Funding set up a family trust and got me approved for $2.1M. Went from 2 to 6 properties in 4 years."
Book 30 minutes. No obligation.
Book Free Strategy Call ➜Or email info@xcelcorp.com.au or call 1300 080 180.
