Investment Warning
Investment in mortgage-backed securities involves risk, including:

• Potential loss of some or all capital invested
• Delays in receiving interest payments or capital return
• Illiquidity (inability to exit investment before loan maturity)
• Property value fluctuations affecting security adequacy
• Borrower default requiring loan enforcement action

You should not invest funds you cannot afford to lose or funds needed for near-term liquidity.

Information Memorandum
This website provides summary information only. Before investing, you must carefully review the complete Information Memorandum, which contains detailed information about investment structure, risks, terms, fees, and processes.

The Information Memorandum is the primary disclosure document for investment decisions. Nothing on this website supersedes or replaces Information Memorandum disclosure.

No Guarantee
Bowral Capital makes no guarantee or promise regarding:

• Investment returns or capital protection
• Loan performance or borrower repayment
• Property values or market conditions
• Timing of interest payments or capital return
• Success of loan enforcement if required

Professional Advice
You should obtain independent financial and legal advice before:

• Making any investment decision
• Entering any lending arrangement
• Relying on information provided by Bowral Capital

Your professional advisors should review all documentation and advise whether proposed investments or lending arrangements suit your specific financial situation, objectives, and risk tolerance.

Target Market
Our investment opportunities are suitable for sophisticated or experienced investors who:

• Understand mortgage-backed investment risks
• Can afford potential capital loss
• Do not require liquidity during investment terms
• Seek income and capital preservation rather than capital growth

Our lending is designed for borrowers with:

• Complex scenarios unsuited to traditional lending
• Quality security and clear exit strategies
• Experience with property investment or development
• Ability to service loan obligations

Past Performance
Any references to past loan performance or historical returns are not indicative or predictive of future results. Market conditions change, and each loan involves unique risks.

Forward-Looking Statements
Information about target returns, indicative lending terms, or future opportunities are forward-looking and subject to change. Actual results may differ materially from any forward-looking statements.

Regulatory Status
Bowral Capital Pty Ltd is an Authorised Representative of Brindabella Investment Group Pty Ltd (AFSL 510735) and an Approved Representative of Brindabella Credit’s ACL (527582). We operate under these licences to provide mortgage-backed investment opportunities and credit facilitation services. 
Investment opportunities are offered to wholesale investors only. Lending activities are subject to responsible lending obligations and credit assessment under applicable law.

Exclusion of Liability
To the maximum extent permitted by law, Bowral Capital excludes liability for any loss, damage, or expense arising from investment or lending decisions, reliance on website information, or any other aspect of our services except where liability cannot lawfully be excluded.

Questions
If you have questions about this disclaimer or need clarification on any legal matters, please contact us or seek independent legal advice.

Bowral Capital

Suite 3, 47 Bowral Street, Bowral NSW 2576

Email: paul.reese@bowralcapital.com.au
Phone: +61 2 3805 9165