INDUSTRY LEADER IN PRIVATE FUNDING
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With a robust 26-year track record in private mortgage investments secured by property, our approach emphasizes stringent evaluation processes. Benefit from consistent returns exceeding 9% through our conservative investment strategy.
Stringent Security Evaluation: All securities undergo a meticulous stress test evaluating market ability, worst-case sell-off periods, with a focus on non-specialized securities.
Thorough Borrower & Security Analysis: The GFS credit team conducts a comprehensive evaluation of both borrower profiles and securities during the initial loan vetting process.
Conservative Investment Approach: We exclusively invest in mortgage opportunities at conservative loan-to-valuation ratios, prioritizing stability and security.
Diverse Sourcing Channels: Our loans originate from referrals, brokers, and repeat business partnerships, ensuring a diverse and robust loan portfolio.
Focused Geographic Lending: With a ‘stick to what we know best’ approach, we concentrate lending activities within Sydney, Melbourne, and neighboring suburbs.
Competitive Investor Returns: Our investor returns exceed 9% offering competitive opportunities for sophisticated investors seeking stable returns.
The GFS Mortgage Fund is a contributory mortgage fund structured as a wholesale, unlisted managedinvestment scheme which offers wholesale investors an opportunity to invest in loans that are securedby real property.
A contributory mortgage fund is one where people invest, by contributing as lenders, into a particular loan. These mortgage investors own, and have exposure to, that loan and the rights in relation to it in the proportion that each contributed to the loan.
Investment into a specific Mortgage Investment is a 3 step process:
Step 1: Becoming a member of the Fund
Once the application for membership of the Fund has been accepted, you will be advised. At this stage, no application money for an interest in a Mortgage Investment is required.
Step 2: Choosing a specific Mortgage Investment offered through the Fund
As a member of the Fund, the Trustee will, from time to time, give you the opportunity to choose to invest in a Mortgage Investment. Each Mortgage Investment is selected by the Trustee after an assessment by Guardian of the loan, for instance as to the borrower, the loan to valuation ratio and the nature of the loan security and such other assessments as the Trustee determines in accordance with the process and requirements set out in its Lending Policy.
Step 3: Becoming a Mortgage Investor in the chosen Mortgage Investment
If investors apply for the total amount required under a loan, and the Manager is advised by the lawyers that the loan documentation is completed, then the Manager notifies the relevant investors who must then deposit into the pay to the Cash Account of the Fund the application moneys the investor wishes to invest into the chosen Mortgage Investment. Each investor whose application monies are in the Fund’s CashAccount has a beneficial interest in that account in the proportion that their monies bear to the total monies in the account.
If investors do not apply for the total amount required under a loan, then the loan will not proceed.
Guardian Financial Services Pty Limited ABN 70 083 735 013
GFS Mortgage Management Pty Limited ABN 53 642 773 975 AFSL 540060
A : Suite 1.09, 20a Danks Street, Waterloo NSW 2017
M: 0414 790 222
E : info@guardianfinancial.com.au
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