First Mortgage Investments

First mortgage investments are a type of investment where an Investor's capital is used to provide a loan to a borrower. The loan is secured by a registered first mortgage over Australian real estate so, if the borrower defaults, the borrower's security can be sold to fund the loan and return the Investor's capital. First mortgage investments offer a regular, monthly income stream via interest payments with competitive returns to Investors seeking capital preservation and stability.

CCG was established in 2006 and specialises in Non-Bank Lending and First Mortgage Investments in Australia. During this period, we have written over 423 loans, where the gross loan amount advanced to borrowers is over $911 M with an average LVR of 59% . Over this time the average return paid to investors has been over 9% p.a. (past performance cannot be relied upon as a reliable indicator of future returns). 

Credit Connect Capital Ltd holds Australian Financial Services License No. 230173 issued by the Australian Securities and Investments Commission (ASIC), Australia's corporate and financial services regulator. Credit Connect Capital Ltd acts as the Trustee of the Credit Connect Select Fund and provides the first mortgage investment opportunities to investors.

A Mortgage Fund is a Managed Investment Fund in which an Investor's money is lent to borrowers as a mortgage loan. These mortgage loans are typically secured by Australian real estate owned by the Borrower. A ‘First’ Mortgage Fund will only invest capital into investment opportunities secured by first-ranking, registered mortgages over Australian real estate and is recognised as the most conservative Mortgage Fund.

We offer investment into the Credit Connect Select Fund ("the Fund") which is a mortgage investment fund only available to Sophisticated Investors. The Fund is designed to provide investors with the opportunity to select and invest in specific loans of their choice, which fit their risk appetite and investment criteria. The Credit Connect Select Fund is a very conservative mortgage fund, investing only in loans secured by first-ranking registered mortgages over Australian real estate.

First mortgage investments are traditionally recognised as relatively safe and secure investment opportunities. For example, where a loan of $650,000 is secured by real estate independently valued at $1,000,000 (a “loan to value”  ratio (LVR) of 65%), in the event of a default by a borrower, the lender is entitled to take necessary steps to recover all monies owed including by way of taking possession and selling the real estate security.

• Choose from a variety of mortgage investments to match your investment goals.
• Receive regular monthly income paid to your nominated account at attractive rates of return.
• Your investment is secured by a registered mortgage over Australian real estate.
• Generally, we lend on conservative lending ratios of up to 65% to 70% LVR of the underlying value of the security property.
• Independent valuations are carried out by members of approved independent panel valuation firms.
• Our investors know exactly where funds are being invested at all times and can make investment decisions based on detailed disclosure of each loan opportunity.
• Select investments that offer your preferred loan type, investment amount, return, term, location and LVR.

The entire investment process is managed online via our dedicated Investor Portal, where you can register, apply and invest from your own selected device, 24/7. Having selected your preferred investment opportunities, you will need to access the Investor Portal to find detailed information and progress your investment. To access the Investor Portal you must register and confirm that you have read our Information Memorandum. Once successfully registered, you will be able to start investing in our First Mortgage Investment opportunities! 

All investments carry risk. It is important to understand the risks that can affect your investment. Investments may not perform as expected and may not meet an Investor’s objectives resulting in a loss of capital or income. There are some risks associated with investing, including loss of part or all of your capital and failure to receive a return on your investment. Specific risk factors relating to investments into the Fund will be disclosed in the Information Memorandum (IM) and applicable Supplementary Information Memorandum (SIM) and should be considered before investing.

To be eligible to invest in the Fund, you must be a Sophisticated Investor and satisfy any of the following criteria:

• A certificate from a qualified accountant confirming you satisfy such requirements. In determining whether you satisfy the net asset or gross income test you can take into account the assets and income of companies and trusts which you control.
• You are a company or trust controlled by a person who meets the net asset or gross income requirement.
• You are a related body corporate of a company which is a wholesale client.
• You are a professional investor (as this term is defined in the Corporations Act).‍
• You are a sophisticated investor under section 761GA of the Corporations Act as a licensee provides a written statement in accordance with requirements of that section that you are not required to be treated as a retail client for an investment in the Fund.
• You otherwise satisfy to us that you are not a ‘retail client’ for the purposes of Chapter 7 of the Corporations Act.