In Australia, company title loans are used to finance properties where ownership is structured differently than traditional real estate. Instead of buying the property, buyers purchase shares in a company that owns the land or building, giving them the right to occupy a specific unit. This structure, common in older apartment buildings, has implications for both financing and resale. 

Lenders may hesitate to offer mortgages for company title properties because their security is a shareholding, not real property. Borrowers may need a larger deposit (typically 30-50%) to secure a loan, as lenders view these shares as less secure compared to freehold or strata title property. Additionally, company title apartments may appreciate in value slower than strata title properties, making them less attractive to those focused on capital growth. 

Another key difference lies in governance. Company title properties are managed by a board of directors, and their constitutions often include rules that require board approval before a sale or rental of the property can proceed. These restrictions offer both pros and cons: while they might limit rental opportunities, they give owners more control over who resides in the building. 

For borrowers considering a company title loan, the decision largely depends on individual circumstances. First-time buyers, for example, may find it challenging to secure financing or achieve the same capital growth as they would with strata properties. However, for those seeking owner-occupied properties with greater management control, company title could be appealing. Consulting with a mortgage broker can help navigate the complexities of securing a loan under this ownership structure​(Bartier Perry).