Open for Investment

EBC Credit Income Fund

First-mortgage secured lending targeting premium metropolitan property markets in Sydney and Melbourne with conservative LVRs.

7-9% p.a.
Target Return
$100K
Min Investment
Monthly
Distributions

Fund Overview

The EBC Credit Income Fund provides investors with exposure to a diversified portfolio of first-mortgage secured loans across premium metropolitan property markets in Sydney and Melbourne.

Our disciplined lending approach focuses on capital preservation through conservative loan-to-value ratios (typically 65% or below), rigorous borrower assessment, and independent property valuations.

The fund targets experienced property developers and investors with strong track records, providing short-term financing for residential development, construction, and commercial property projects.

Key Features

  • First-mortgage security over all loans for enhanced capital protection
  • Conservative LVRs typically at or below 65%
  • Monthly income distributions to investors
  • Focus on Sydney & Melbourne metropolitan areas
  • Independent valuations on all secured properties
  • Quarterly liquidity for investors

Key Terms

Fund StatusOpen
Target Return7-9% p.a.
Min Investment$100,000
Fund TermOpen-ended
DistributionsMonthly
RedemptionsQuarterly
StructureUnit Trust
Management Fee1.5% p.a.
Performance Fee20% above hurdle
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Investment Process

1

Initial Enquiry

Contact our team to discuss your investment objectives and receive the Information Memorandum.

2

Review Documents

Review the IM and all fund documentation. We're available to answer any questions.

3

Complete Application

Submit your application form along with required identification and wholesale investor certificate.

4

Start Investing

Once approved, transfer funds and begin receiving monthly distributions.

Key Risks

All investments carry risk. Before investing, please consider the following key risks associated with this fund:

Credit Risk

Borrowers may default on loan repayments, which could impact fund returns.

Property Market Risk

Property values may decline, affecting the security value of loans.

Liquidity Risk

Redemptions are quarterly and may be suspended in certain circumstances.

Interest Rate Risk

Changes in interest rates may affect borrower capacity and fund returns.

Important Information: Important Information: This fund is only available to wholesale clients as defined under the Corporations Act 2001 (Cth). Target returns are not guaranteed and past performance is not indicative of future results. Before making an investment decision, please read the Information Memorandum carefully and consider whether this investment is appropriate for your circumstances. EBC Asset Management Pty Ltd holds AFSL 123456.

Ready to Invest?

Contact our investor relations team to receive the Information Memorandum and discuss your investment.

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