Money that works while you get on with life.
Access to off market opportunities, built for our own money.
Capital is at risk. Available to wholesale clients only. Any offer is made only through the information memorandum.
What it is
Lending backed by Australian property
Where the return comes from
Interest borrowers contract to pay
Who it is for
Wholesale investors
The idea
Private credit is in a crisis
With the industry is in turmoil. Where the winners and loosers are sorted. Oxford aknowledges that you are operating in an enviroment where your funds need to be invested, but are offered stark options.
Within our own asset class, we see our peers offering you opaque lending criteria. Unclear fees & risks within funds not well disclosed.
The result has been front page news. Locked or gated funds, investor capital at risk and indivual investors burned. Oxford Capital operates as the counter to this.
Offering investors a clear fee structure, risks managed by an experienced team and a return thats not moving up the risk specturm.
Meet with us to discuss our clear fee structure. How we access diversified investments that are not availalbe to the wider market and a team with over a decade of experience in capital preservation.
Why now & why this asset class?
01
Something real behind it
Each loan is secured by a first registered mortgage over Australian property, independently valued before any money moves.
02
Clear fee’s
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.
03
Dynamic team.
Income comes from the interest borrowers pay. The return depends on each loan being repaid in full, and nothing in it relies on property prices going up.
Why us
The fund we built for our own money.
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.
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.
Nothing here needs checking on a Monday morning.
Each loan’s rate is agreed when the loan is written, and what the fund earns depends on borrowers paying what they agreed.
Who this is for
People who have done the hard part already.
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, property they can picture, and someone who answers the phone. That is the proposition, put plainly.
The fund is new and has no track record. We say so up front.
The essentials
The short version.
| Target return | A target, not a forecast or a guarantee. |
| Security | First registered mortgages over Australian property, independently valued before settlement. |
| Distributions | Paid as the fund receives cash from borrowers. The timing is not fixed and will not be even across a year. |
| Access to capital | A twelve month minimum term, and the investment should be treated as illiquid beyond it. |
| Fees | No entry or exit fee. A management fee and a performance fee apply, set out in full in the information memorandum. |
| Minimum investment | Set out in the information memorandum. |
| Who can invest | Wholesale clients only, under sections 761G and 761GA of the Corporations Act 2001. |
The loan parameters, the full fee schedule, the conflicts, the related party disclosures and the risks are all set out in the information memorandum, which is the document to read before deciding. The fund page summarises the terms and the main risks, and the questions page covers what people ask most.
Where to go from here.
Investors
How the fund works
What it lends on, where the income comes from, the terms and the main risks.
Advisers and accountants
For advisers
What your client will need, what we can give you, and where the fund stands today.
Borrowers and brokers
Borrow with us
First mortgage lending for investment and development in Greater Sydney.
Latest updates
What we have been writing.
Wholesale clients only
Ask for the pack and we will send it today.
It is written and ready. You will have the information memorandum and the supporting material the same day. If you do not qualify as a wholesale client, we will tell you straight away.