One loan, one security
Your money is applied only to the loan you choose, generally secured by a registered first mortgage.
Investor product · Private credit
Direct loans
Choose individual loans one at a time. Each opportunity is a single loan secured against one project or one property, with the details set out before you commit.
Wholesale investors
How to invest.
Apply online. We confirm your wholesale status and provide the offer documents for this fund when available; they set out the full terms, fees and risks.
What it invests in
What it invests in
01
02
Information before you commit
An information memorandum sets out the security and valuation, the borrower, the loan amount and loan-to-value ratio, the term, the rate payable to investors, our fees and the exit.
03
Your choice
You decide which opportunities to take up, and how much to put into each.
Income
Where the income comes from.
Income is the interest on the loan you invest in, paid at the frequency set out for that loan, until the loan is repaid.
Investors who want to select individual opportunities and review each security themselves, and who can hold an investment to the end of the loan.
Key terms
How it works.
A summary only. The offer documents set out the full terms, fees and risks.
- VehicleA separate class or trust for each loan, set out in each information memorandum.
- TermUsually the term of the loan, commonly 6 to 24 months.
- LiquidityGenerally held until the loan is repaid.
- InvestorsWholesale clients only, under section 761G of the Corporations Act 2001 (Cth).
- How to investApply online. We confirm your wholesale status and provide the offer documents when available.
- Minimum investmentSet out in the offer documents.
- Fees and costsSet out in full in the offer documents before you invest.
Risks
Key risks.
- Your return depends on one borrower and one property, with no diversification within the investment.
- Repayment may be later than expected, extending the time your capital is invested.
- If the borrower defaults, recovery depends on selling the security, which takes time and may fall short.
- Income and returns are not guaranteed, and you may lose some or all of your capital.
Next step
Apply to invest in this fund.
Applying does not commit you to invest. We confirm your wholesale status before sending the offer documents.
Questions? Email investing@yield.com.au.