After 30 years in the construction industry, John, a 67-year-old retiree, sought a dependable investment solution that would generate stable, income-focused returns to comfortably supplement his retirement. Living on a fixed income was limiting and with traditional investments and term deposits offering low returns, John felt his options weren’t sufficient for his long-term needs. He wanted a solution that would provide reliable, secured income without the volatility of the stock market, in alignment with his priority of capital preservation.

In consultation with his financial advisor, John was introduced to Credit Connect Group (CCG). Through CCG, he discovered a first mortgage investment fund option that could offer him predictable monthly income via distribution payments, backed by the security of Australian real estate. The structure and stability of CCG’s first mortgage investments offered the exact balance he was seeking: a steady income stream, alongside the assurance that his principal was safeguarded by tangible Australian property assets. 

Why Retirees Choose CCG’s First Mortgage Investments:

• Regular Income - Consistent monthly returns provide reliable cash flow and capital preservation
• Secured by Property - Australian real estate backing for stable, secure investments.
• Conservative, High-Return Asset - A low-risk, income-focused investment tied to the resilience and growth of the Australian real estate market.

John’s Investment: Stability and Secure Returns

After careful consideration, John decided to invest $300,000 in a CCG-managed first mortgage loan supporting a commercial development project. This allowed him to test the opportunity and experience its benefits firsthand. The investment was backed by the property’s strong valuation, and CCG’s team provided a comprehensive overview, reassuring John that his funds were well-protected by the property’s value and the borrower’s proven development experience. Whilst all investments carry risk, CCG’s first mortgage investments present investors with a secured, stable investment opportunity tailored to their unique needs.  

With this mortgage fund investment, John earned a consistent 9% annual return, paid out monthly. This generated a dependable income of $2,250 per month, which comfortably supplemented his retirement income, allowing him to cover living expenses and enjoy a few hobbies and trips without needing to touch his savings. 

Outcome: Financial Stability and a Comfortable Retirement

For John, investing in CCG mortgage loans delivered exactly what he needed: stable income, capital preservation and the security of a real estate-backed investment. CCG’s professional support gave him confidence in his choice and the monthly income that he received via distribution payments provided peace of mind that he could comfortably enjoy retirement without concerns over market volatility.

By the end of the 12-month loan term, John received his principal in full, along with $27,000 in interest income. Pleased with his experience, John has chosen to reinvest with CCG, knowing that his funds are in trusted hands and backed by Australia’s resilient property market. For retirees like John, CCG’s first mortgage investments offer a compelling solution, blending stable income with the security and transparency that retirees value most.

How CCG Prioritises Investor Security:

• Secure Monthly Income: Consistent income payments, backed by the first mortgage position, reduce retirees' reliance on fluctuating asset classes.
• Conservative Loan Structure: CCG’s low LVR policy maximises asset coverage, ensuring retiree funds are safeguarded.
• Project and Borrower Scrutiny: Each project is vetted through CCG’s rigorous borrower assessment, providing retirees with peace of mind about their investment’s stability.

CCG provides secure first mortgage investment opportunities suited to our client’s individual investment profiles and portfolio objectives. As all of our first mortgage investments are secured by Australian property, investors see impressive results with an extra layer of security. 

Get started...

If you would like to invest in a CCG first mortgage investment fund, speak to ourInvestment Team on 1300 795 507 or email us at [email protected].