Mortgage-Backed Investment Opportunities
Competitive returns secured against Australian property, assessed with the benefit of experience in structuring and enforcing lending arrangements and rigorous financial analysis.
Compliance Statement: Bowral Capital and Brindabella Investment Group operate independently of Summer Lawyers. Summer Lawyers does not act for investors or borrowers in relation to any managed investment scheme promoted on this site.
Our Approach to Investment Management
Bowral Capital offers access to carefully selected mortgage-backed investment opportunities. Unlike pooled funds, you choose which specific loans to support, based on your investment objectives, risk appetite, and return expectations.
Each loan is assessed with the same legal and financial discipline we apply to our own capital. We review the quality of the security property, the borrower’s capacity, the loan purpose, and—critically—the exit strategy, before presenting any opportunity to investors.
Bowral Capital and Brindabella Investment Group are related entities. All dealings are subject to conflict management policies and independent oversight.
Investment
Structure
Bowral Capital does not provide financial product advice. Investment opportunities are offered exclusively to wholesale investors, as defined under section 761G of the Corporations Act 2001 (Cth). Retail clients are not eligible to participate.
Our investments are structured as direct mortgage loans, where your capital is secured by a registered mortgage over Australian property. Investors receive regular interest payments—typically monthly—with capital repaid at loan maturity.
Brindabella Investment Group Pty Ltd acts as Trustee and issuer under AFSL 510735. Bowral Capital acts as Fund Manager and Authorised Representative under that AFSL. All investments are held in separate sub-trusts, and investors receive units linked only to their chosen mortgage investment. See our Information Memorandum for full details.
This website and any communication from Bowral Capital are general information onlyand do not constitute financial product advice, legal advice, or a recommendation. We do not consider your objectives, financial situation, or needs. You must seek independent legal, financial, and tax advice before investing.
Target Returns
Target returns of 8% to 11% per annum are indicative only and not guaranteed. Actual returns may differ due to borrower performance, market conditions, or enforcement delays. Past performance is not a reliable indicator of future results.
Bowral Capital does not give financial product advice. Investments are for wholesale investors only.
Security Types
Our loans are secured by registered mortgages over Australian property, including residential, commercial, industrial, and development assets. Each investment opportunity outlines the security property, mortgage position (first or second ranking), insurance requirements, and independent valuation (where necessary).
We engage leading private lending solicitors to prepare and review all loan and security documentation. This ensures our mortgage instruments are properly structured, enforceable, and aligned with best practice in private lending.
How Investment Works
1. Registration and Information Memorandum
Complete our investor registration to receive the current Information Memorandum. This document outlines our investment structure, processes, risks, and terms.
2. Opportunity Review
When suitable lending opportunities arise, we present them to registered investors with full details, including security property, loan terms, borrower profile, and risk assessment.
3. Investment Decision
You review each opportunity and decide whether it aligns with your strategy. There’s no obligation to invest in any particular loan.
4. Documentation and Settlement
Once you commit to an investment, Bowral Capital—acting as fund manager—executes the loan documentation on your behalf. The lender of record is the appointed trustee or custodian, who holds the mortgage security for investors. Your capital is deployed at settlement, and the mortgage is registered.
5. Ongoing Communication
We provide regular updates on investment performance, interest payments, and any material developments. You’ll have direct access to our team throughout the investment term.
Understanding
Investment Risk
All investment involves risk. While our mortgage-backed structure provides security, risks include borrower default, property value fluctuations, enforcement delays, and illiquidity. A comprehensive risk disclosure is provided in the current Information Memorandum for each investment opportunity. You must review that document carefully and seek independent legal, financial, and tax advice before investing.
Credit Risk: The borrower may default on interest payments or fail to repay principal at maturity. While mortgage security provides a legal right to recover capital, enforcement may involve delays, legal costs, and may not result in full recovery of principal or interest.
Trustee/Custodian Enforcement Risk: Enforcement action is taken by the trustee or custodian, not individual investors. Recovery outcomes depend on the enforceability of the mortgage, borrower cooperation, and market conditions at the time of enforcement.
Security Risk: Property values can fluctuate. A decline in property value may reduce the security margin available to protect your investment.
Liquidity Risk: These investments are illiquid. Your capital is committed for the loan term, and early exit may be difficult or impossible without finding a
Timing Risk: Loan maturity may be delayed if borrowers request extensions or if enforcement action is required. This can defer your capital return and ongoing interest payments.replacement investor.
Market Risk: Property market conditions, economic factors, and regulatory changes can affect both borrower capacity and security values.
Legal and Procedural Risk: Changes in law, regulatory interpretation, or court decisions may affect the enforceability of loan terms or mortgage security. Procedural delays in court or registration processes may also impact recovery timelines
Concentration Risk: Investing in single mortgage opportunities creates concentration risk compared to diversified investment vehicles.
We manage these risks through careful loan assessment, conservative lending ratios, comprehensive security documentation, and active loan monitoring. However, risk cannot be eliminated entirely.
Investors do not participate in loan management or enforcement decisions. Bowral Capital, as fund manager, acts on behalf of investors and in accordance with the trust structure. We recommend seeking independent legal and financial advice before investing.
frequently Asked Questions
Minimum investment varies by opportunity, typically between $50,000 and $250,000, depending on the loan size and number of participating investors.
Interest is usually paid monthly via direct deposit to your nominated bank account. Capital is returned at loan maturity or earlier if the loan is repaid ahead of schedule.
These investments are illiquid. Early exit requires a replacement investor willing to take over your position, which may not be possible or may involve costs
Bowral Capital will engage with the borrower to resolve the issue. If needed, we will instruct the trustee or custodian to enforce the mortgage through legal channels. Recovery may take time and may not result in full repayment.
Borrowers pay establishment and ongoing management fees. Investors do not pay direct fees, but enforcement costs (if applicable) may be deducted from recovered funds before distribution.
Bowral Capital manages all loans, including monitoring repayments, maintaining security, and handling any issues during the loan term. Investors do not manage loans directly.
You’ll receive confirmation of interest payments, annual statements, and updates on any material developments affecting your investment.
Request the Information Memorandum
Please provide your details below to request access to our current Information Memorandum
Ready to Discuss
Investment Opportunities?
This website provides general information only and does not constitute financial product advice. Past performance is not a reliable indicator of future results. Investments are illiquid and carry risk of capital loss. Please review our Information Memorandum and seek independent legal, financial, and tax advice before investing.
Speak with our investment team about current and upcoming opportunities or ask questions about our investment process.
