Effective Friday 31 October 2025, Macquarie paused all new home loan applications where the borrower is a trust or company.

What’s changing:

• Macquarie will no longer accept new home loan applications from trusts or companies.
• Their core home loan offering for individual borrowers (owner-occupiers and investors with PAYG and/or self-employed income) remains unchanged.
• Income derived from trusts or companies can still be used to support individual borrower applications.
• Existing loans to trusts or companies are not affected by this change.

Why the change?

• A surge in application volumes, driving a need to protect turnaround times and service quality.
• An uptick in social media strategies encouraging lending via trusts and companies.
• The upcoming AML Tranche 2 regulations, expected to introduce more complex verification processes for trust and company structures.

What about existing or pending applications?

Applications for new lending to trusts and companies submitted by Thursday 30 October 2025 will proceed with enhanced support.

Please reach out to your Macquarie BDM if you have any questions.