Most brokers hear "trust lending" and brace for complexity. 

Laura Waters, Head of Residential at Podium Money, sits down with Raj Kapoor from Apollo to strip back the confusion around non-trading trust and company lending. From succession planning families to sophisticated investors, trust structures are on the rise and brokers need to be positioning themselves now. 

In this episode, you'll hear:

1. Why Apollo's simple trust policy could change how you approach these deals
2. The one thing Laura says every broker must do before a client buys in a trust
3. How Apollo cut trust lending rates by 40 basis points and saved brokers thousands in fees

A practical, no-nonsense conversation that makes trust lending feel exactly like it should — straightforward.

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Show notes:

00:27 — Laura Waters and Raj Kapoor introduce the episode and the trust lending myth

00:50 — What is non-trading trust or company lending, and what is an SPV?

01:11 — The clients using trust structures: self-employed, families, succession planning and sophisticated investors

02:19 — How to prepare a trust client properly (and why the deed must come first)

03:57 — How Apollo's dedicated credit team works and what makes a strong trust application

05:06 — Apollo's 40 basis point rate reduction on non-trading trusts and what that means for brokers

07:26 — The full policy picture: 85% LVR no LMI, EBIT, spousal income, negative gearing and the 2% buffer

08:43 — Apollo's simple trust assessment: when rental income alone is enough