The Funding

A first mortgage fund offering 8 – 8.5% p.a* target return paid monthly

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  • 8 – 8.5% p.a* Target Return
  • 2015 Founded
  • Zero Capital Losses
  • $799m Total Lent**
  • 1355 Loans**

* Be sure to read the IM and consider all risks while investing. Target returns are not guaranteed.  ** as at 29th February 2024.

Why invest with Funding?


Income distributions are credited to your investor account monthly. You have the option to reinvest or withdraw.

Property secured

Investments are secured by a registered first mortgage over Australian property.

Short – term

6 and 12 month investment terms allow you greater flexibility to manage your cashflow.

* Be sure to read the IM and consider all risks while investing. Target returns are not guaranteed.  ** as at 29th February 2024.

Get Started Fact Sheet

How to get started


Submit application

Complete the application form and submit to


Transfer your funds

Set up the payment and email in a copy of your payment confirmation.


Investment is complete

You will be notified that your funds have been received and your investment has begun.

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What is a Wholesale Investor?

If you invest at least AU$500,000 in the Funding Income Trust you are automatically classed as a wholesale investor.

You also qualify as a wholesale investor if you provide a certificate by a qualified accountant stating that you have net assets of at least AU$2.5 million or gross income for each of the last two financial years of at least AU$250,000. A certificate issued by an accountant is valid for up to 2 years.

(Note – if you are contemplating an investment in the Funding Income Trust, you will find the accountants certificate in the Application Form.

Can I access my funds early?

You will need to give 90 days notice from the end of the current investment period to make any redemptions. You can not redeem an amount that will leave less than $50,000 remaining in your account unless you would like to redeem your full balance.

What is a first mortgage?

Our investments are backed by a registered first mortgage loan against Australian real estate. A first mortgage is a first charge over real estate owned by the borrower. If there is a Default in repayment of the Loan, the property can be sold in order to recover the Loan and repay Members.

What type of real estate security is provided?

The security property varies from loan to loan however each loan is secured over either Residential or Commercial real estate in locations across Australia.

What type of borrowers do we lend to?

Borrowers must have Australian real estate security, the ability to meet their repayments and a repayment strategy to exit the Loan at the end of the term. Our mortgages are catered to borrowers that need a fast and flexible solution. Short-term mortgages are more expensive than traditional finance, which is why we are able to provide higher returns to our investors.

What is the Funding Income Trust?

The Funding Income Trust is the legal structure for our Pooled Fund. The Funding Income Trust is an unregistered managed investment scheme where members of the Trust are provided with access to first mortgage investments.
Manager: Pty Ltd ACN 603 756 547, Trustee: Funding Capital Pty Ltd ACN 639 230 345, AFSL 523247
and Custodian: Sandhurst Trustees Limited ACN 004 030 737

How do I get a copy of the IM for the Funding Income Trust?

You can download the Information Memorandum (IM) by clicking here.

What is the LVR on the loans?

The loan to value ratio or LVR is the maximum lend secured over the property. The LVR of mortgages within the pool may vary, however, all LVR’s must be less than 70% of the value of the security property. (e.g. Loan of $480,000 divide by Property Value of $800,000 = 60% LVR)

When do I get paid?

The interest from your investments is intended to be paid monthly, into your investment account, subject to the performance of the investments. You can elect to have these funds automatically reinvested, or withdraw to your nominated bank account. Please allow for 2-3 business days for withdrawals to be processed.

How is the interest rate determined?

Providing the loans in the Trust perform as per the mortgage contracts, the target rate is currently 8 – 8.5% pa (net of fees)*.

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