Professional. Proven. Transparent.
Since 2012, Stable Securities has been connecting sophisticated investors with secured construction lending opportunities, delivering consistent returns through rigorous processes and expert management.
Who We Are
Stable Securities is a specialist construction lending investment manager, focused exclusively on connecting institutional and high-net-worth investors with secured real estate lending opportunities across Australia.
Founded in 2012 by experienced banking and finance professionals, we identified an opportunity to provide sophisticated investors with access to the attractive returns available in the construction lending market, whilst maintaining institutional-grade risk management and security protocols.
Today, with over $285 million in deployed capital and a 100% capital protection record, we continue to deliver on our founding mission: providing consistent, secured returns backed by professional management and transparent operations.
Our Mission
To provide sophisticated investors with access to secured, attractive returns through professionally managed construction lending investments, whilst maintaining the highest standards of risk management, transparency, and service.
We exist to bridge the gap between investors seeking consistent fixed-income returns and quality borrowers requiring flexible construction finance, creating value for both parties through our expertise and processes.
Our Vision
To be Australia's most trusted and respected construction lending investment manager, recognised for consistent performance, security-first approach, and exceptional investor outcomes.
We aspire to set the benchmark for professionalism, transparency, and performance in private credit markets, growing our business through referrals from satisfied investors and maintaining our zero-loss track record.
Our Core Values
These principles guide every decision we make and every relationship we build.
Security First
Capital protection is paramount. Every investment decision prioritises security of principal through conservative lending criteria and comprehensive risk management.
Integrity
We do what we say we'll do. Honesty, transparency, and ethical conduct in all dealings with investors, borrowers, and partners.
Excellence
Commitment to the highest professional standards in analysis, documentation, service delivery, and ongoing management of investments.
Accountability
We take responsibility for our decisions and outcomes. Regular reporting, responsive communication, and ownership of results.
Our Relationship with Stable Capital
A complementary partnership serving both sides of construction finance
Stable Securities and Stable Capital operate as sister companies, serving different but complementary roles in the construction lending ecosystem.
Stable Securities
- • Focuses on the investor side
- • Manages investment funds and capital
- • Provides investment opportunities to family offices and HNWIs
- • Delivers target returns of 6-7% p.a.
- • Responsible for investor relations and reporting
Stable Capital
- • Focuses on builders and developers
- • Originates and services construction loans
- • Provides flexible finance solutions to borrowers
- • Charges lending rates of 8-18% p.a.
- • Manages loan administration and compliance
The Model: Stable Securities raises capital from investors at 6-7% returns. Stable Capital deploys this capital to quality borrowers at 8-18% rates. The spread covers risk, administration, and management. This structure creates a sustainable business model whilst ensuring interests remain aligned with investor capital protection.
Why Choose Stable Securities
Our unique combination of experience, processes, and track record sets us apart
Proven Track Record
12+ years of consistent performance with zero principal losses to investors across all market conditions.
- ✓ 450+ loans successfully funded
- ✓ $285M+ capital deployed
- ✓ 100% capital protection rate
Experienced Team
Dedicated professionals with 80+ years combined experience in banking, construction lending, and investment management.
- ✓ Former senior bank executives
- ✓ CFA and CPA qualified analysts
- ✓ Property and construction specialists
Rigorous Processes
Institutional-grade due diligence, credit assessment, and ongoing risk management protocols.
- ✓ Multi-stage approval process
- ✓ Independent valuations required
- ✓ Regular portfolio monitoring
Conservative Approach
Strict lending criteria with maximum 65% LVR and comprehensive security requirements on every loan.
- ✓ First mortgage security only
- ✓ Personal guarantees required
- ✓ Comprehensive insurance
Transparent Reporting
Regular, comprehensive reporting keeps investors informed about portfolio performance and individual loan status.
- ✓ Quarterly investor reports
- ✓ Annual audited financials
- ✓ Online portal access
Investor Service
Dedicated relationship management with direct access to senior team members and responsive communication.
- ✓ Personal relationship managers
- ✓ Direct access to management
- ✓ Proactive communication
Compliance & Governance
We maintain the highest standards of regulatory compliance and corporate governance
AFSL Authorised
Operating under Australian Financial Services Licence with full regulatory oversight
Independent Trustee
External trustee provides additional investor protection and oversight
Annual Audits
Independently audited financial statements provided to all investors
Stable Securities Pty Ltd (ABN XX XXX XXX XXX) is an authorised representative of [Licensee Name] AFSL XXX XXX. We comply with all requirements under the Corporations Act 2001 and maintain comprehensive compliance and risk management frameworks.
Learn More About Our Approach
Discover how our experience, processes, and commitment to excellence can help achieve your investment objectives.