Hey ho fellow brokers, This one has me stumped. Self employed clients with business run through a discretionary family trust. The trustee is a company with sole director and shareholder the husband. The trustee distributes net business profit to the beneficiaries who are the husband and wife plus a couple of adult family members not currently working and who are not a party to the proposed loans. Now the issue is all the lenders I have spoken with so far (CBA, ANZ, Macq, AMP & Suncorp) as expected will only consider the distributions to the husband and wife even though the husband as sole director of the trustee gets to decide where distributions get paid to. Its one of those things isn't it? I can see both sides of the argument here. Any of you legends know if any lender will consider the full business profits ie ignore the fact that the past distributions weren't 100% paid to the husband and wife ??