CPF Property Debt Fund
The Fund invests in mortgages with typical loan amounts between $3M to $15M secured via a mortgage over real property located within metropolitan Sydney, Brisbane or Melbourne (For Wholesale Investors Only).
The CPF Property Debt Fund is a syndicated fund, which enables our investors to specifically select the opportunity that suits their investment goals.
The CPF Property Debt Fund is available to Wholesale Investors as defined by the Corporations Act, including self managed super funds (SMSFs), individual investors, family trusts and corporate entities.
The CPF Property Debt Fund may suit investors looking for a regular property-based income stream that is secured via a first mortgage over property. The fund provides transparent, risk-adjusted returns secured against property and may be less volatile than listed investments.
Each Loan of this Investment Memorandum has its own Class of Units. This means that the investment performance of a particular Class of Units is not affected by the performance of other Loans in the Fund.
For the sake of clarity, the Fund is not a “pooled fund” and each Loan is separate and not directly affected by the performance of other Loans within the Fund.
Typical loan amounts will be between $3M to $15M and Loans will be secured via a mortgage over real property located within metropolitan Sydney, Brisbane or Melbourne.
Investors can choose individual Loans which are detailed in Appendix A of this IM and typically the
Loans will have the following features:
| Security: | First Mortgage over real property (On occasion, the fund may provide second mortgage loans) |
| Investor Returns: |
Targeting greater than 8.00% p.a. (nett of fees & expenses) |
| Distributions: |
Paid Quarterly |
| Loan Term: |
Between 6-18 Months |
| LVR: | Up to 70% – for completed stock, the manager may consider an LVR of 75% |
The details of each Loan will be outlined in Appendix A and will include information such as:
- Information on the mortgage security
- Detailed information on the property and the borrower
- Any relevant excerpt from the valuation report
- Loan to Valuation Ratio
- Overview of risks
- Details of any additional security such as personal guarantees, etc.
- Expected Investor Return
- Details on the project and the expected loan repayment strategy
Typically, the Fund will invest in the following types of loans:
- Land subdivisions
- Completed residential projects
- Some residential construction projects
- Site acquisitions or refinance
Capital Property Funds is solely focused on providing investors access to property-based income streams and also the potential for longer-term capital growth.
Client outcomes are at the heart of our investing decisions.
- We aim to describe the fund assets as accurately as we can
- We aim to make our funds transparent and simple
- We are always focused on the exit strategy
- Our goal is to provide an appropriate return to compensate our investors for the risk involved
- We recognise we do not know everything
- We co-invest in every deal we do
Since inception in 2012, we have consistently delivered high-quality, property-based returns to our investors throughout the property cycle. We do this through our exceptional team of experts who specialise in property funds management.
The executive directors have co-invested in every opportunity presented by Capital Property Funds.
Typically, our investors are seeking exposure to property-based income opportunities and they often invest in a number of our funds.
We offer unlisted property funds which provide regular income and also the potential for longer-term capital growth. Investors looking for shorter-term investments can consider our property debt fund which offers quality income returns, generally for a 12-month investment term.
We welcome retail investors into our funds who usually invest via their SMSF, and we also accommodate wholesale investors. We offer private mandates for larger investors who are looking for a targeted property investment return/outcome. If you are seeking quality, property-based returns, we invite you to register with us.
Andrew has a Bachelor of Commerce (Valuation & Property Management), and a Master of Commerce (Finance) from the University of New South Wales and is also a Chartered Financial Analyst (CFA).
Andrew has extensive knowledge and over 25 years of experience within the financial services and real estate industries. Andrew has held senior real estate investment banking positions at UBS, and Goldman Sachs JBWere and was Managing Director, Head of Real Estate, at Merrill Lynch, Sydney.
Prior to his investment banking experience, Andrew was previously an Equity Analyst at UBS responsible for the Infrastructure & Utility sectors and Director and Head of the Strategic Investment Advice division at Jones Lang LaSalle.
Andrew is a member of the Capital Property Funds Investment Committee and is responsible for overseeing all structuring and financing of property transactions.
Andrew is an Authorised Representative (number 1000168) of Libertas Financial Planning Pty Ltd (AFSL No: 429718)
Joe has a Bachelor of Commerce (major in Accounting), a CPA qualification and also has a Graduate Certificate in Applied Finance.
After completing university Joe spent his early years in chartered accounting with KPMG Sydney and subsequently moved into financial services where he has spent the past 15 years.
Joe has been an executive director of Capital Property Funds since 2012. Joe is an Authorised Representative (number 457305) of Libertas Financial Planning Pty Ltd (AFSL No: 429718).
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