Direct Mortgage Investments
Earn Consistent Income From Property-Backed Loans
Target returns of 10% - 14% p.a.* through secured mortgage investments over Australian real estate.*
Regular income backed by registered mortgages.
268 Fund offers wholesale investors the opportunity to invest in property-secured loans, providing regular income backed by registered mortgages*. Your capital is secured against property.
Capital Backed by Property Security
Access property-secured lending opportunities backed by registered mortgages over Australian real estate.*
What Is a Direct Mortgage Investment?
In a mortgage investment, investors lend capital to a borrower, with the loan supported by a registered mortgage over the property. Rather than participating in development profits, returns are generated through interest payments made by the borrower over the term of the loan.
At 268 Fund, these lending opportunities are sourced through our internal finance network and assessed through a structured due diligence process. Approved opportunities are then presented to eligible investors via a Supplementary Information Memorandum (SIM), which outlines the terms, structure, risks, and return profile of each investment.
Investors select individual opportunities that align with their objectives. Interest distributions are made in accordance with the investment terms, typically on a monthly basis*, and capital is repaid at the end of the loan term, generally through the sale or refinance of the underlying property.
How Mortgage Investments With 268 Work
A Simple, Disciplined Process
268 sources and assesses property-backed lending opportunities through its internal finance network.
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268 sources and assesses mortgage lending opportunities through its internal finance network.
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Approved investments are offered to wholesale investors via a Supplementary Information Memorandum (SIM).
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You invest alongside 268 Fund, with capital secured by a registered mortgage.
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Interest is distributed in accordance with the investment terms, typically monthly.
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Capital is repaid at the end of the loan term, usually upon sale or refinance of the property.
What to expect
Typical Mortgage Investment profile
All terms, risks, and structures are fully disclosed in the SIM for each opportunity.
Security
Investments are supported by a registered first or second mortgage over Australian real property, as outlined in the relevant SIM.
Loan-to-Value Ratios
Defined LVR parameters as outlined in the SIM, typically up to 72%*
Returns
Target interest rates of up to 12% p.a.*, depending on the specific investment and risk profile.
Income
Interest distributions made in accordance with the investment terms, typically monthly*
Term
Investment durations commonly range between 6–24 months
Exit
Repayment of capital is expected to occur via the sale or refinance of the underlying property.
The 268 Direct Mortgage Investment Difference
Investor-First by Design
Property-Backed Security
Investments are supported by registered mortgages over Australian real estate, as outlined in the relevant SIM.
Investor Priority
Interest and capital repayments are structured to prioritise investors ahead of 268 Fund, in accordance with the investment terms.
268 Co-Investment Approach
268 Fund invest alongside investors in opportunities, supporting alignment of interests.
Disciplined Risk Parameters
Investment structures typically include defined LVR parameters and many incorporate additional security properities where appropriate.
Triple-Layer Due Diligence
Each opportunity undergoes internal credit and legal review, together with independent external legal due diligence.
Structured Assessment Process
Opportunities are assessed against a range of scenarios, including changes in valuation, timeframes, and market conditions.