Total Members: 158,297

David Ryan

  • David Ryan replied to the topic Using trusts to never get ''maxed out borrowing capacity''. in the forum Help Needed! 1 year, 5 months ago

    I stand corrected.

    I thought I saw cheaper rates for individuals – perhaps because it opens up more options when it comes to lenders, e.g. fintech lenders such as tictoc who are competitive on price but lack features like loan splitting (and perhaps reliability etc).

  • David Ryan changed their profile picture 1 year, 5 months ago

  • David Ryan replied to the topic Using trusts to never get ''maxed out borrowing capacity''. in the forum Help Needed! 1 year, 5 months ago

    I have been considering this strategy, as the recipient of a $1M inheritance and a borrowing capacity of $700K (I’m in the 37% tax bracket), since borrowing capacity is my limiting factor.

    However, I am not convinced it’s the best strategy.

    Interest rates are much higher when lending to a corporate trustee with an interest-only loan (vs.…[Read more]

  • David Ryan replied to the topic Using trusts to never get ''maxed out borrowing capacity''. in the forum Help Needed! 1 year, 5 months ago

    I have been considering this strategy, as the recipient of a $1M inheritance and a borrowing capacity of $700K (I’m in the 37% tax bracket), since borrowing capacity is my limiting factor.

    However, I am not convinced it’s the best strategy.

    Interest rates are much higher when lending to a corporate trustee with an interest-only loan (vs.…[Read more]

David Ryan

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