Pooled Funds

Invest in our secured property loans

New to investing or a seasoned pro, we can help you make the most of your money.

Get Started

Everyday Australians can now invest in mortgages

Join other investors, companies and self managed super funds (SMSF) enjoying Australia’s leading mortgage market place. Build a regular monthly income stream and make your savings work harder.

Each investment is in a single stand-alone mortgage and you can diversify your portfolio by selecting and investing in multiple investments on offer.

  • Target Returns from 5% to 9% pa.*
  • First mortgage security.
  • Interest paid monthly.
  • Invest from $5000.

Open an account

The potential of your investment

Enter the amount, years and interest rate below


Recent investments

Our mortgage investments are open to everybody, not just the big banks and wealthy institutions.

Target Returns from 5% to 9% pa.*

Melton VIC 3337

The security property is a single-storey detached residential dwelling with 3 bedrooms, 2 bathrooms and a single attached garage on a 438sqm allotment.

Target return6%pa*


Term12 Months

Runaway Bay, QLD 4216

The Security Property is a residential house comprised of 4 bedrooms, 3 bathrooms and double garage on a 669sqm allotment located 11 km north of Surfers Paradise.

Target return6.95%pa*


Term12 Months

Calderwood NSW 2527

The Security Property is a residential house comprised of 4 bedrooms, 2 bathrooms and attached double garage on a 438sqm allotment located 25kms south-west on Wollongong.

Target return6.5%pa*


Term6 Months

Why invest with Funding?

Regular Income

Regular Income

A great way to diversify your investment portfolio by investing in real estate loans. Regular interest payments to your account.

Australian Property Secured

Investments are secured by a registered first mortgage over Australian property, giving you capital protection. In the event of default, the property can be sold to recover the principal, interest and costs.

Short Term


You choose your investment term based on the specific mortgage you invest in. This may vary from 1 to 36 months.

Create an Account

How to get started



Create a free account in less than two minutes by signing up below.


Fund your account

Add funds to your account, which will be held in trust until you begin investing.



Select, invest and manage your investments on our marketplace 24/7.

Get Started

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.

How does the platform work?

Once an investor has signed up and is approved, they can select, invest and manage their investments via our platform and professional management staff. An investor can choose to fully fund a Loan or invest alongside other Members in a particular Loan.

What is the Funding Investment Trust?

The Funding Investment Trust is the legal structure behind the platform. The Funding Investment Trust (“the Trust”) is an ASIC registered (ARSN 616 185 276) managed investment scheme where members of the Trust are provided with access to first mortgage investments.
Manager: Funding.com.au Pty Ltd ACN 603756547, AR No. 1239776
Trustee: Melbourne Securities Corporation Ltd ACN 160326545, AFSL428289
Custodian: Sandhurst Trustees Limited ACN 004 030 737

How do I get a copy of the PDS for the Funding Investment Trust?

You can download the Product Disclosure Statement (PDS) 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 is specific to the individual mortgage selected by the investor however the LVR 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 will be paid monthly, into your online Funding account. From there you may choose to reinvest these funds 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?

During the loan application process funding.com.au and the borrower agree on a suitable interest rate based on the LVR, property location and other factors.

Receive an Info Pack

David Serafini
Investment & Platform Manager

Back to top