Macquarie Bank announced a pause on new home loan applications from trusts and companies in late October 2025. This decision was influenced by the proliferation of social media strategies promoting the use of trusts for investment purposes, which raised concerns about potential misuse of trust structures. Additionally, upcoming anti-money laundering regulations are expected to complicate trust and company lending processes, contributing to Macquarie's cautious approach.

Similarly, CBA introduced restrictions effective from 22 November 2025, requiring non-individual borrowers to have an existing lending facility with the bank that has been active for at least six months. This policy change aims to simplify the loan origination process and reinforce prudent lending standards.

These developments underscore the importance for investors and borrowers to stay informed about evolving lending policies. Understanding the rationale behind these changes can help in navigating the complexities of property investment and financing in Australia.