Borrowing for property in a company vs your personal name
How borrowing in a company differs from buying in your own name — serviceability, guarantees and lender appetite. General information, not legal or tax advice.
8 June 2026 · By Foundation Finance · Last reviewed 10 June 2026
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.
Some investors and business owners buy property in a company rather than their personal name. The finance works differently — here's a general overview. This is not legal or tax advice; the structure decision is for your accountant and solicitor.
How a company loan differs
The company is the borrower; directors generally provide personal guarantees.
Serviceability is assessed on the company's income plus the directors' positions.
Lender appetite is narrower than for personal-name loans, and rates can be slightly higher — see our trust/company loan cost calculator.
Lenders will want company financials and to understand the purpose.
Company vs personal name — finance considerations only
Personal name: simplest, widest lender choice, usually the sharpest rates.
Company: can suit certain business or holding purposes, but with narrower lender appetite and guarantees.
Which is right for tax, asset protection or estate planning is not something we advise on — that's your accountant and solicitor. We focus on which lenders will lend to the structure and on the best available terms.
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.
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