Enhance your income with the Funding Income Trust

07/11/2023 | 6 min

Investing

Funding is Australia’s leading short-term mortgage lender offering bridging and construction loans. Funding’s first mortgage investments are tailored to investors who seek fixed income and capital preservation through first mortgage security over Australian real estate. Since inception, Funding has had $0 capital losses, lent over $649m** across 1153 loans**. All loans have achieved their target return or higher with all principal and interest returned.

**as at 31st October 2023.

At Funding, we understand the significance of keeping our investors well-informed and providing them with valuable tools to enhance their investment experience. Here, we delve into the key features and advantages of the Funding Income Trust that can empower your investment journey.

Understanding Pooled First-Mortgage Investment Funds

The Funding Income Trust is a pooled first-mortgage investment fund, a concept that combines the capital of multiple investors to collectively fund a diversified portfolio of first-mortgage assets. These mortgages serve as security for the loans provided, which allows the fund to offer attractive returns. This structure promotes diversification, risk mitigation and stable returns, making it a compelling option for those seeking to balance growth and security in their investment portfolios.

Here’s a closer look at the advantages when investing in our trust:

  1. Steady Returns: The Funding Income Trust provides a reliable source of income with our target returns of 8-8.5% p.a.*
  2. Diversification: By investing in a pooled fund, you benefit from diversification, spreading your risk across various mortgage assets.
  3. Investor-Friendly: It’s designed for ease of use with the ability to manage your account online. Plus, you can choose between the 6 or 12-month pooled fund to suit your financial strategy.
  4. Transparency: With our detailed Fact Sheet, you’ll have a clear picture of the fund’s performance, strategy and target returns.

*Be sure to read the IM and consider all risks while investing. Target returns and repayment of capital are not guaranteed.

Funding’s Borrowers

Funding’ borrowers are creditworthy property owners, investors, builders and developers who require a lender that is fast and flexible. Each loan is backed by a registered 1st mortgage over real estate.

  • Property owners use Funding for bridging finance when they are looking to secure a new property before they have sold their current property.
  • Property investors use Funding to renovate and sell, or secure an investment property quickly without the hassle of going to the banks.
  • Builders and developers use Funding to build a house or small townhouse project and sell, or to secure a property to eventually develop.

In todays’ financial landscape, finding investment opportunities that strike the right balance between security and attractive returns can be challenging. If you’re a wholesale investor looking for a streamlined approach to investing in first mortgages, we’ve got great news for you.

At Funding, we’re continually innovating to empower our investors. We’ve recently introduced some significant enhancements to our Funding Income Trust that make investing in first mortgages more convenience, flexible and rewarding than ever before.

Online Sign-Up Application & Platform

Funding is excited to announce the release of our user-friendly platform, allowing you to manage your account with ease. This platform provides a secure space where you can deposit and withdraw funds, view your statements and select the specific tiered fund that suits your strategy. Additionally, our online sign-up application streamlines the investment process, ensuring you can take advantage of the opportunities presented by Funding Income Trust swiftly and efficiently.

Income Trust Fact Sheet

To empower our investors, Funding Income Trust offers a comprehensive Fund Fact Sheet. This document provides a detailed overview of the fund’s performance, strategy and target returns. It’s valuable resource that can assist investors in making informed decisions about their investment options. Whether you’re a seasoned investor or new to the world of pooled mortgage funds, our Fact Sheet equips you with the necessary insights to enhance your investment strategy.

View it HERE.

Income Trust Investment Options

Funding Income Trust recognises that every investor’s journey is unique. To cater to diverse financial strategies we now offer tiered options.

  • 6-Months: Target Return of 8%p.a*
  • 12-Months: Target Return of 8.5%p.a*

*Be sure to read the IM and consider all risks while investing. Target returns and repayment of capital are not guaranteed.

With this flexibility, investors can align their investments with their financial goals and risk tolerance. Whether you’re seeking a shorter-term commitment or a slightly higher return with a longer horizon, our tiered options provide the freedom to tailor your investments to your preferences.

Investing in the Funding Income Trust means embracing a transparent, accessible and secure opportunity to grow your wealth. Our tiered options, online platform, sign-up application and informative Fact Sheet empower you to make informed decisions. With the pooled first-mortgage investment fund structure, your investment benefits from diversification and security while targeting competitive returns. It’s a balanced approach to investing that puts you in control.

DISCLAIMER * Any investment rate of return and terms displayed are specific to the pool of mortgages and therefore subject to the performance of those mortgage investments. Any rate of return and income is targeted, are not guaranteed and are shown net of any fees. Investors: The following disclaimers apply to investors in the Funding Income Trust (“the Trust”). Funding.com.au Pty Ltd ACN 603 756 547 is the manager of the Trust and authorised representative (no. 1239776) of Funding Capital Pty Ltd ACN 639 230 345 (AFSL 523247). Funding Capital Pty Ltd ACN 639 230 345 (AFSL 523247) is the trustee of the Trust. It is important for you to read the Information Memorandum (IM) for the Trust before you make any investment decision. The IM is available on our website or by calling 1300 44 33 19. You should consider carefully whether or not investing in the Trust is appropriate for you. The rates of return from the Trust are targeted and not guaranteed and are determined by the future revenue of the Trust and may achieve lower than expected returns. Past performance is not a reliable indicator of future performance. Investors risk losing some or all of their principal investment. The investment is not a bank deposit. IMPORTANT: Information provided is general information only and should not be taken as legal or financial advice. It does not consider the specific needs, investment objectives or financial situation of any particular investor and you should seek advice from a professional financial adviser. Please refer to the Financial Services Guide for more information. See PrivacyTerms and Credit Guide for more details.

Investing

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