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 6% to 9% pa.*
- First mortgage security.
- Interest paid monthly.
- Invest from $5000.
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 6% to 9% pa.*
Mulgoa, NSW 2745
The Security Property is located within the City of Penrith, the western region of Sydney. The property is approximately 12.5kms south from the Penrith CBD…
Target return7.5%pa*
LVR51.41%
Term6 Months
Beamaris, VIC 3193
The Security Property is situated in an affluent bayside suburb of Melbourne and is 20kms south-east of Melbourne’s CBD. The property is…
Target return7.00%pa*
LVR48.70%
Term6 Months
Runaway Bay, QLD 4216
The Security Property is located in Runaway Bay which is approximately 13kms north of central Gold Coast. The property is walking distance…
Target return7.5%pa*
LVR65%
Term6 Months
Why invest with Funding?
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.
How to get started
Register
Create a free account by signing up online below.
Fund your account
Top up funds to your account. These funds will be held in trust until you select an investment to invest in.
Invest
Full stop on this paragraph – Select and invest in our investments online 24/7.
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.
The security property varies from loan to loan however each loan is secured over either Residential or Commercial real estate in locations across Australia.
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.
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.
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.auPtyLtd ACN603756547, ARNo. 1239776 Trustee:MelbourneSecuritiesCorporationLtd ACN160326545,AFSL428289
Custodian: Sandhurst Trustees Limited ACN 004 030 737
You can download the Product Disclosure Statement (PDS) by clicking here.
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)
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.
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.
Online 24 hour access
Access our investments through our online platform, anytime, anywhere.
- Invest from $5,000
- Interest paid monthly
- First mortgage security
Request a call back
David Serafini
Investment & Platform Manager
