The minimum investment in our Secured Income Fund is $100,000. For the Premium Income Fund, the minimum is $500,000. We also offer bespoke solutions for investments of $1 million or more. These minimums are designed to ensure sophisticated investor eligibility and efficient fund administration.

Returns are distributed monthly, directly to your nominated Australian bank account. Distributions are typically made on the 15th of each month. You can elect to receive distributions as income or reinvest them to compound your returns. All distributions are clearly documented in your quarterly statements.

All investments are secured by first registered mortgages over real property. We maintain a maximum loan-to-value ratio (LVR) of 65%, providing significant equity buffer. Additional security includes personal guarantees from borrower directors and comprehensive insurance requirements covering construction risks, public liability, and contract works.

Redemptions require 90 days written notice and are subject to fund liquidity. While we aim to accommodate redemption requests, they are at the discretion of the trustee and depend on the fund's cash position. Early redemption within the minimum term may incur break costs. We recommend treating this as a medium-term investment aligned with the stated term.

We focus on residential and commercial construction and development projects across Australia. This includes residential townhouses and apartments, commercial developments, land subdivision, and renovation projects. We only lend to experienced borrowers with proven track records, and all projects undergo rigorous feasibility analysis.

Every application goes through our comprehensive credit assessment process. This includes evaluation of borrower experience and financial capacity, independent property valuation, project feasibility and cost analysis, market research and exit strategy review, legal due diligence including title searches and planning approvals, and review by our Credit Committee. Only loans that meet all criteria and receive unanimous committee approval proceed to funding.

While we've maintained a zero-default record, we have comprehensive procedures in place. Early warning systems identify potential issues before they become problems. If concerns arise, we work proactively with borrowers on resolution strategies. As first mortgagee, we have priority claim over the security property. Personal guarantees provide additional recourse. In worst-case scenarios, we can appoint receivers or enforce our security. Our conservative LVR policy provides significant buffer to protect investor capital.

Stable Securities Pty Ltd is an authorised representative of [Licensee Name] AFSL XXX XXX. We operate under strict regulatory oversight and comply with all requirements under the Corporations Act 2001. Our operations are subject to regular compliance audits, and we maintain comprehensive compliance and risk management frameworks. An independent trustee provides additional oversight and investor protection.

There are no entry fees, exit fees, or ongoing management fees paid directly by investors. All our fees are built into the lending margin. The returns quoted (6-7% p.a.) are net of all fees—what you see is what you receive. Early redemption within the minimum term may incur break costs to cover any funding costs incurred.

Our target returns of 6-7% p.a. compare favourably to traditional fixed-income options. Current term deposits offer around 4.5-5.0%, government bonds yield 4.2-4.8%, and investment-grade corporate bonds provide 5.0-5.5%. Our premium reflects the additional risk of construction lending, though this is significantly mitigated by our first mortgage security, conservative LVR policy, and rigorous risk management. Returns are also paid monthly, providing better cash flow than semi-annual bond coupons.

Investors receive comprehensive reporting including monthly distribution statements, quarterly investor reports with portfolio performance and composition, annual audited financial statements, and access to our online investor portal for real-time information. We also provide ad-hoc updates on material matters affecting the fund. Our investor relations team is always available to answer questions.

Our investments are available to wholesale clients as defined under section 761G of the Corporations Act 2001. This generally includes investors with net assets of at least $2.5 million or gross income of at least $250,000 per annum in each of the last two financial years. We can provide a wholesale investor certificate if you meet these criteria. Family offices, institutional investors, and sophisticated investors are all welcome.

The process is straightforward: Schedule a consultation with our team to discuss your objectives, review the Information Memorandum and legal documents we provide, complete the investment application and KYC/AML requirements, transfer funds to the designated trust account, and start receiving monthly returns. Our team guides you through each step and answers all questions along the way.

Stable Securities and Stable Capital are sister companies serving complementary roles. Stable Securities manages the investor side, raising capital and managing investor relationships. Stable Capital handles the lending side, originating loans and managing relationships with borrowers. This structure allows each entity to focus on its specialty whilst maintaining aligned interests in successful loan outcomes.