A target return of 7.85% a year, earned from lending secured by mortgages over Australian property.
Target return of the RBA cash rate plus 3.5 per cent a year, being 7.85 per cent at a cash rate of 4.35 per cent. A target, not a forecast or a guarantee. Capital is at risk. Available to wholesale clients only.
The idea
That is the whole of it. Oxford Capital lends money against Australian property and takes a mortgage over it. Borrowers pay interest on those loans, and that interest, after costs, is what reaches investors.
There is no market to time and no story about where a price might go. The return is a rate on a loan, agreed at the start, backed by something you could drive past.
Each loan is secured by a mortgage over Australian property, independently valued before any money moves. Not a rating, not a promise, not a slice of somebody else's paper.
The fund lends well short of what a property is worth. The borrower's own money sits underneath the loan and absorbs a fall in value first.
Income comes from interest rather than from selling to the next buyer at a higher price, so it does not need a rising market to work.
Why us
We wanted this for ourselves first. Capital somewhere steady, with something real behind it, run by people you can actually call. When we could not buy it on terms we were comfortable with, we built it.
Most funds in this market are large, and size puts distance between the money and the borrower. We are small on purpose. One of us meets the person borrowing, sees what the money is for, and makes the call.
Being small does not mean starting from scratch. Between us we have spent years in the Sydney property and funding market, and the people we deal with are the same brokers, developers, builders and valuers we have worked with for a long time. Loans reach us early, often before they are widely shopped, which means we see far more than we write and can afford to be selective about the ones we do.
Our own capital is in the fund alongside yours, on the same units and the same terms as everybody else.
If we cannot get to the property and sit across from the borrower, we do not write the loan.
Ali Beydoun and Scott Jackson, founders.
Your income
Move the slider to your own number. What comes back is interest paid by borrowers, not your own capital handed back to you.
Illustration only. It assumes the target return is achieved and held across the year, that no loan is in arrears and that no capital is returned. Distributions are paid as the fund receives cash from borrowers, so the timing across a year is not fixed and not even. Returns are not guaranteed and capital is at risk. No past performance is shown because the fund has none.
The rate on a loan is set when the loan is written. It does not move because of something that happened overnight in another market, and there is no screen to watch.
Who this is for
Most of the people we speak to have built something, sold something, or simply reached the point where the money needs to earn without turning into another job.
What they tend to want is a return they can understand, security they can picture, and someone who answers the phone. That is the proposition, and we would rather put it plainly than dress it up.
The fund is new and has no track record. We say so here rather than waiting to be asked.
The essentials
The loan parameters, the full fee schedule, the conflicts, the related party disclosures and the risks are all set out in the information memorandum. We would rather you read them there than take a summary from a website.
Latest updates
Our monthly read on the economy, and what the month's numbers mean for lending against property.
Read Research, August 2026The year a conventional bond allocation stopped defending anything, and what that means for building an income portfolio.
Read Fund note, August 2026A short update on the licence, the trustee and custodian arrangements, and when the fund expects to write its first loan.
ReadWholesale clients only
It is written and ready. You will have the information memorandum and the supporting material the same day, not a brochure and a follow up call. If you do not qualify as a wholesale client we will tell you plainly rather than leave you waiting.