Precision lending for complex incomes.
Not a transaction. A membership.
We restructure intelligent debt solutions for Melbourne and Victorian property investors, business owners, and trust structures who need more than a generic broker.
A refined process.
We handle the complexity of your financing needs so that you can experience a seamless and predictable transaction. This way you can focus on what you do best and that's building your business or focusing in on your portfolio.
Discovery
A deep dive into your financials, goals, and existing structure. We map the territory before presenting options.
Strategy
We design a bespoke debt structure, negotiate with lenders, and secure the optimal pricing and terms.
Execution
Flawless settlement and ongoing proactive management of your portfolio's performance over time.
Accountability
Real-life relationship management, periodical check-ins so that your financing facility is still in line with your goals and we are all on the right track.
We've sat on both sides of the table.
With over a decade inside Australia's banking and lending sector, the Open Bridge Group team has worked as credit assessors, relationship managers, and now as your specialist broker.
We built Open Bridge Group because we saw a gap; high income earners, business owners, and portfolio investors being turned away by bankers and brokers who don't understand complex income and complex structures. Bankers would just say, "No, not for us" and brokers would force customers to then go down paths that were not in their best interest — purely to fit the broker's product capability.
That's not how we nor our professional advisors operate. What is the best outcome to get to their end goals. For too long Australians have suffered under the promise of a relationship manager as your banker and a broker who doesn't have the experience to provide product and financing advice which best suits the customer.
Grow your portfolio with intelligent structuring.
Property investment isn't just about buying real estate—it's about how you finance it. We build debt strategies that protect your assets, maximize tax efficiency, and keep your borrowing capacity open for the next acquisition.
- Trust and company borrowing
- Equity release strategies in line with your expert wealth advisor and accountant
- Industrial, commercial & residential mix
- Medium and long-term financing advice geared to your specific goals
We speak the language of business.
We are ACTUALLY real-life experienced in reading business financials alongside accountants. We have real-life experience in delivering credit to assessors and the banks and we keep a daily pulse on policy change so that you and your business can be up to date with your facility and your leveraging goals.
- Strategic financing advice
- Complex trust structures
- Director-focused wealth planning
- Access to strategic professional partners
Family trust mortgage specialists serving Melbourne & Victoria.
Borrowing through a trust is one of the most powerful ways Australian investors protect assets and manage tax — but most banks and brokers simply don't understand it. Open Bridge Group specialises in trust structure lending across Melbourne, Victoria, and Australia-wide, placing finance for all major trust types:
Whether you're acquiring your first investment property through a discretionary trust or refinancing a multi-entity portfolio across Melbourne and regional Victoria, our team navigates lender policy on your behalf — accessing 40+ lenders who actively accept trust borrowers.
Discuss Your Trust StructureWhat our clients say.
Real outcomes for property investors and business owners who needed more than a standard broker.
"We had been turned away by our bank and another broker before coming to Open Bridge. They took the time to understand our structure and found a solution that actually worked for us."
"As a self-employed business owner, I was constantly told my income was too complicated. The team here understood how to present our financials properly and got us across the line."
"What sets them apart is the ongoing relationship. They check in regularly, keep us informed about our options, and actually care about the outcome — not just the settlement."
Common questions.
Answers to what Australian investors and business owners ask us most.
Can I get a home loan if I'm self-employed in Australia?
Yes — but the process is far more complex than for PAYG borrowers. Different lenders assess self-employed income very differently to each other; so it requires competency from your financing advisor to understand: 1. What the financials look like 2. Where to place the transaction so that it's of benefit to you, the customer. Our wheelhouse specialises in presenting your income accurately and opening the right competent dialogue with your accounting professional so that we can present the right and compliant picture to the preferred lender.
How do trust and company structures affect my borrowing capacity?
Borrowing through a trust or company is common for asset protection, preserving borrowing capacity and tax efficiency, but many lenders shun these types of transactions for risk purposes. We have deep experience navigating entity-based lending and work with accountants and wealth advisors to ensure your structure is both financeable and optimised. To then place the transaction with the most cost-effective lender.
Can I get a mortgage in a family trust in Australia?
Yes — and it's more common than most people think, particularly among Melbourne and Victorian investors using discretionary trusts for asset protection and tax planning. The challenge is that lenders assess trust borrowers very differently: some won't lend to trusts at all, while others have specialist policies for family trusts, unit trusts, hybrid trusts, and SMSFs. We access 40+ lenders across Australia and know exactly which ones actively lend to trust borrowers, what their documentation requirements are, and how to present your trust deed and financials correctly to get the loan approved.
Which lenders accept trust borrowers in Victoria?
A number of major banks and specialist non-bank lenders across Australia will lend to trust structures — but their policies vary significantly depending on the trust type (discretionary, unit, hybrid, or SMSF), the trustee entity (individual or corporate), and how income is distributed. Rather than naming specific lenders (policies change frequently), we match your trust structure to the right lender for your situation. Our panel of 40+ lenders includes those with the most competitive rates and the most flexible trust lending policies available in Victoria and nationally.
What makes Open Bridge Group different from a bank or a standard broker?
Our team comes from inside the banking and credit assessment world — we know exactly how lenders evaluate a file. Unlike banks who can only offer their own products, or brokers who fit you to their limited panel, we access 40+ lenders and are bound to act solely in your best interest, not ours. Furthermore not every customer is for us and we acknowledge that — we don't want to be for everyone. So each and every one of the members in the hundred plus groups is appropriately relationship managed. That means regular touch points, regular re-evaluations, and a value exchange to keep everyone accountable.
How many investment properties can I finance at once?
There's no hard limit, but your borrowing capacity, portfolio structure, and lender policy all interact. We work with investors building multi-property portfolios, including industrial, commercial, and residential mixes, structuring debt so each acquisition doesn't block the next.
Ready to optimise your lending?
Schedule a confidential discussion to review your current structure and explore opportunities.
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