BHG UCapital Debt Fund
The Fund offers investors access to BCUC’s investment strategy and a diverse portfolio of loans secured by 1st and/or 2nd mortgages against premium Australian real estate. (For Wholesale Investors Only)
This investment is open to Wholesale and Sophisticated Investors.
The BCUC team has specialised in property-backed debt investments since 2006. With more than $800,000,000 in settlements, we have a track record of offering high-yielding investments with 0% losses incurred.
The BCUC Debt Fund offers investors access to BCUC’s investment strategy and a diverse portfolio of loans secured by 1st and/or 2nd mortgages against premium Australian real estate. The Fund aims to deliver an annual return to investors of 10% – 12.5% net after fees with distribution paid monthly to investors.
Strategies
The fund comprises a portfolio of property-backed loans secured by first and second-ranking mortgages, diversified across all types of real estate properties in Australia.
The fund targets loans with a maximum LVR of 75%, and the presence of registered mortgages and guarantors efficiently manage investment risks.
The objective is to provide investors with a consistent monthly cash income stream, preserve capital, and diversification.
Advantages
The BCUC Debt Fund Investment Committee provides final review approval and additional risk control over each loan project. The fund offers our investors the opportunity to participate in high calibre, large-scale real estate loan projects in Australia, with professional due diligence, asset allocation, fund management, risk control, and providing better investment return.
Choices
Investors can choose the appropriate fund pool class according to their needs, which offers different investment periods, amounts, and rate of returns. Investors will transfer their funds directly to the custodial bank account of Perpetual, Australia's leading custody financial institution.
Upon investment term maturity, Perpetual returns the investment principal to the investor's nominated bank account.
| Investment Class | Term | Target Net Return | Minimum Investment |
| Silver Class | 12 Months | 10% p.a. | $100,000 |
| Gold Class | 24 Months | 10.5% p.a. | $100,000 |
| Platinum Class | 12 Months | 12% p.a. | $1,000,000 + |
| Diamond Class | 24 Months | 12.5% p.a. | $1,000,000 + |
BCUC Investment develops and distributes a range of funds, offering high-calibre services and investment solutions to institutional clients, financial advisers and direct investors.
BCUC Investment’s investment approach is to focus on and take advantage of new opportunities within Australia’s loan sectors, as they arise.
BCUC Investment seeks to assist its broader client base, helping them to achieve their long-term financial targets through a tailored solutions concept. BCUC Investment’s management team are dedicated to integrating environmental as well as social and governance (ESG) practices into its business operations and investment philosophy, ensuring it contributes a positive impact towards the broader Australian community.
Each fund in the BHG UCapital Debt Master Fund series (referred to also as a BHG UCapital Debt Fund) proposes to make commercial loan investments to Australian borrowers, who are typically borrowing the funds under a loan agreement to a property (which will generally be a secured loan), although there may be other types of debt investments made available.
Each fund in the BHG UCapital Debt Master Fund series will earn gross revenues from the interest accruing and payable on the principal of the loan(s) granted to the relevant borrowers. Loan proceeds may be used for but not limited to:
- the acquisition of assets (including property and equipment);
- to refinance existing lending facilities;
- to access equity in a property asset for any worthwhile purpose including payment of tax debt;
- short-term business cash flow requirements bridging finance; or
- financing construction and the development of real property.
The Fund Manager will be responsible for identifying the loan investment opportunities, undertaking due diligence, structuring the loan investments and security, loan and security contracting, loan monitoring and loan servicing.
The relevant supplementary IM for each fund in the BHG UCapital Debt Master Fund series will specify the commercial terms of the loan investment, including applicable loan term, borrower information and relevant security (as applicable).
Each fund in the BHG UCapital Debt Master Fund series will make loans to borrowers which are in accordance with the BHG UCapital Debt Fund’s standard loan terms (see section 4.2 below) and in compliance with the BHG UCapital Debt Fund’s lending criteria.
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BCUC Pty Ltd (ACN: 670 215 264), is an authorised representative of BHG One Pty Ltd (ACN: 113 502 604, AFSL no: 291314). The information on this website has been prepared for accredited wholesale clients – read more – only who are interested in learning about the different products they can access via BCUC Pty Ltd. This information is factual information only. Any displays of potential investments are for example purposes only, and may not actually be available to investors. It does not take into account any of your personal objectives, circumstances or needs and does not constitute financial advice. Choosing an investment is an important decision and, before making any investment decision, you should consider obtaining financial advice, always read the disclosure documents as listed against every deal on the BCUC Pty Ltd investment platform and understand the associated risks as explained as on the BCUC Pty Ltd investment platform. Past performance is not an indicator of future performance. Expected or forecasted returns may not reflect actual performance. Any displays of potential investment opportunities are for sample purposes only, and may not actually be available to investors.
BCUC is the amalgamation of BHG Global and UCapital International. BCUC offers superior high yielding investment opportunities, secured by mortgages against quality real estate in Australia.
We seek lucrative opportunities in real estate and businesses to offer you attractive returns on your investment. Our focus is on quality lending opportunities, however our priority remains to mitigate risk on behalf of our investors.
Emma brings over 15 years of experience in senior management. Emma started her career as a regional manager for China Mobile, one of the world’s top 500 enterprises. With China Mobile, Emma managed in excess of 200 staff members across multiple business functions. Emma also played a significant role in a portfolio of companies where she was the seed investor. She is passionate about early-stage investment and provides managerial guidance to the senior management team of these companies at an on-going basis.
Marcello is a seasoned professional, with extensive financial industry and management experience. He attained a Master of Political Economy from the University of Sydney, achieving the prestigious recognition of First in Course and graduating with High Distinction. Marcello is now a recognised figure in the private lending sector, with strong connections to capital funders having overseen several high-profile transactions. Whilst Marcello’s career began in investment banking at J.P. Morgan and Deutsche Bank, he has now shifted focus to secured lending. Marcello’s intricate network has become key to sourcing the best rates and agreements for our clients.
Over 15 years of real estate acquisition and funds management experience. Hans has worked with leading real estate firms and has additionally acquired trophy buildings, allowing his clients to transition smoothly from the Asia Pacific region to Australia.
After enjoying several years as Director of Sales & Marketing, driving consecutive year-on year growth for a leading brand within the security industry in South Africa, Jacques decided to relocate his family to Australia. Jacques identified an emerging opportunity within the financial services sector for an agile and market-responsive lender specialising in short-term loans to the small business sector. Jacques embedded robust corporate governance and business controls, while at the same time delivering creative solutions for his clients and investors. Jacques is also an accredited finance and mortgage broker adding an additional risk management layer to the BCUC Investment Committee.
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Wholesale and Sophisticated Investors.
12 months.
Minimum of $100,000.
All investment terms start on the first of each month.
Investors have access to the BCUC online investors portal and statements are issued monthly.
Statutory Statement
This offer of scheme interests is available to wholesale clients only. This product listing was vetted by and approved by the product issuer identified above before publishing. Investment Markets (Aust) Pty Ltd AFSL 527875 (IM) is not the issuer of the product.
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