FREQUENTLY ASKED QUESTIONS

Getting started with investing in Mortgage Backed Investments is a simple and convenient process. Here’s a step-by-step guide:

1. Register online: Registering with Mortgage Backed Investments on our website to gain access to a range of investment opportunities in the property development space. Register now.
2. Receive investment opportunities: Once registered, you will receive, via email, investment opportunities as they become available.
3. Review investment opportunity: When an investment opportunity aligns with your investment goals, you can select to participate by submitting an application form.
4. Participate: After submitting your application form, our dedicated investor relations team will be in touch with you. They will guide you through the initial investment eligibility process, answer any questions you may have, and provide personalised assistance to finalize your investment.

• The investment manager co-invests alongside you in each investment opportunity as a first loss investor.
• There are no fees affecting your investment return.
• All opportunities are backed by first mortgage over real Australian property.
• Shorter terms – no long term lockup (6 to 24 months).
• No pooling of funds/mortgages, so no contagion risk exists from the conduct of other loans or other investors.
• Investors have a direct relationship to the special purpose lending entity which holds the specific mortgage security
• Market segment (sub $10M) offers preferable risk parameters to larger project funding exposure. The chosen market segment offers shorter timeline to completion, shorter sales timeframes and limited/low complexity.

At Mortgage Backed Investments, we prioritise the security and protection of our investors’ funds. Here’s how we effectively manage risk:

1. Low Loan-to-Value Ratio (LVR): We maintain a conservative approach by offering loans with a low LVR. This means that the amount we lend is a smaller percentage of the property’s appraised value, providing a greater margin of safety for our investors.
2. Carefully selected property development funding: We meticulously evaluate and select property development projects that demonstrate strong potential for value appreciation. Our experienced team conducts thorough assessments and due diligence to ensure that the projects align with our stringent criteria.
3. First mortgages over real property: As part of our risk management strategy, we secure our investments with first mortgages over real property. This security position gives us a legal claim over the property, providing an additional layer of protection for our investors.
4. Rigorous risk management measures: We employ stringent risk management practices to safeguard investors’ funds. Our comprehensive approach includes thorough assessments, diligent evaluation, and proactive measures throughout the investment process. MBI invests alongside you, sharing the risk and aligning our interests with yours. This ensures that we have a vested interest in the success of the investment.
5. Proven track record: With a strong and proven track record, MBI has successfully navigated various market conditions and delivered consistent results to our investors. Our experience and expertise in property development financing contribute to effective risk management and enhance investor confidence.

At Mortgage Backed Investments, we are committed to diligently managing risk to provide a secure investment environment for our clients. Through our rigorous borrower assessment, focus on creditworthiness, the backing of real property value, and additional measures such as investing alongside you and setting up individual entities, we strive to protect your investment and optimise your financial growth based on our established track record.

The minimum investment amount to participate in Mortgage Backed Investments is $100,000 in any one opportunity.

All investors will be required to provide evidence that they are considered a sophisticated, wholesale or professional investor in accordance with the Corporations Act 2001. Mortgage Backed Investments accepts investments from qualified Business Professionals, Business Owners, Individual Professional Investors, Institutions, Trust Funds, Professional Property Investors, Family Offices, and Self Managed Super Funds (SMSF).

In Australia, a wholesale investor is considered a high-net-worth individual, company, trust, or superannuation fund with a net assets value of at least AUD 2.5 million or gross income of at least AUD 250,000 per annum.

These investors are considered experienced and sophisticated enough to understand the risks and merits of investing in specific financial products that may not be available to retail investors.

Wholesale Investors generally have exclusive access to a broader range of financial products and often have access to professional advice and guidance. They are also held to a higher standard of conduct than retail investors.

The minimum investment amount to participate in Mortgage Backed Investments is $100,000 in any one opportunity.
Mortgage Backed Investments opportunities provide funding for residential and commercial property projects, in the sub $10M market segment and targets sectors including residential, development, bridging loans and land subdivision.
The Investment Manager assess and vets each project to ensure profitability and deliverability and confirms that the property improvement adds substantial value well in excess of the proposed debt before Mortgage Backed Investments offers the opportunity to investors.

At MBI, your financial growth is our top priority. Our investment model prioritise your returns. Our investment manager, who co-invests in every deal, is only rewarded once all returns are delivered to our investors, ensuring a strong alignment of interests. With MBI, you can rest assured that your interests come first, and our commitment to maximising your financial gains remains unwavering.

Yes! Mortgage Backed Investments provides investors the opportunity to selectively participate in one or multiple standalone first mortgage investment opportunities.

At MBI, we prioritise maximising potential returns for our investors. To achieve this, we keep our overheads minimal, allowing us to allocate more resources towards your investments. Instead of maintaining a platform, we provide comprehensive quarterly project reports and updates to keep you informed about the progress and performance of your investments. Our commitment to transparency and efficiency ensures that you have the necessary information to monitor and evaluate your investment with MBI.

An investment under this Investment Opportunity should be viewed as illiquid for the duration of the projected loan term. Once you invest your funds in an opportunity with Mortgage Backed Investments, you are committed to the investment until the completion of the project. Upon the successful completion of the project, your funds, along with the accrued interest, are returned to you. All opportunities are for short terms (6 to 24 months).

Yes. Once you have successfully completed an investment with Mortgage Backed Investments you can opt to reinvest your capital in another carefully selected investment opportunity. Additionally, you can choose to reinvest into multiple opportunities simultaneously.