Frequently Asked Questions
Your Most Popular Questions
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We are a trusted investment fund manager specializing in short-term loans secured by registered mortgages on Australian properties. Our goal is to provide investors with stable, high-yield returns by lending to carefully vetted borrowers.
Multifunds was started in 2018, originally dealing with other lenders and high-net-worth individuals.
We offer a secure and rewarding investment opportunity backed by real estate. With decades of experience in property and banking, our team ensures your funds are managed with expertise and care. Our funds are diversified, reducing risk, and are designed to deliver consistent monthly returns.
The minimum investment starts at $100,000, with a flexible minimum term of 6 months.
Yes, Multifunds Private Credit Fund 1 is only available to wholesale Investors. To be classified as a wholesale investor, you must meet one of the two following criteria.
- You must hold net assets worth more than $2.5million;or
- Your gross household annual income must be at least $250,000 (this can include income from a business if you're a small business owner)
To prove that you meet at least one of these criteria, investors are required to obtain a certificate from a qualified accountant stating the above.
No, we don’t charge entry or exit fees. The returns you receive are already net of all management fees and fund costs, ensuring complete transparency.
We manage pooled mortgage funds, meaning your investment is distributed across an entire portfolio of loans. This approach minimizes risk and ensures steady returns, even if a single borrower faces challenges.
Unlike peer-to-peer lending, where your money is tied to a single loan, our pooled funds spread your investment across multiple loans. This diversification ensures you continue to earn returns, even if one borrower defaults.
Your investment is protected by the structure of our pooled funds. Even if a borrower defaults, your returns remain unaffected, as they are generated from the entire pool of loans. Additionally, all loans are secured by property to provide an extra layer of safety.
We operate under strict compliance guidelines regulated by the Australian Securities and Investments Commission (ASIC). Our operations are also audited regularly by approved financial auditors.
We lend against residential, commercial, and industrial properties across Australia. Each property undergoes a rigorous valuation process to ensure it meets our strict lending criteria.
We conduct thorough due diligence on all borrowers, including credit checks on all directors and guarantors, property valuations, and assessments of their ability to repay the loan. Only borrowers who meet our stringent requirements are approved.
Returns depend on the fund and investment term you choose. Currently, our fund offer annual returns of up to 8.25%, paid monthly. These rates are competitive and reflect the security of the underlying loans.
Yes, you can choose to reinvest your monthly distributions to compound your returns or have them paid directly to your nominated account.
While our minimum investment terms are fixed, we understand that circumstances can change. In certain cases, early redemption may be possible, subject to fund liquidity and approval.
You’ll have access to a secure investor portal where you can track your investment performance, view monthly distributions, and access important documents such as statements and reports.
Our conservative lending practices ensure that loans are only issued up to 75% of the property’s current value. This provides a significant buffer to protect your investment in the event of a market downturn.
Our funds combine the security of property-backed investments with the flexibility of short-term commitments. Unlike traditional investments, we offer consistent monthly returns, no hidden fees, and a proven track record of delivering results for our investors.
Yes, our fund is SMSF-compliant, making it an excellent option for investors looking to grow their retirement savings. Many investors choose to invest through their SMSF to take advantage of the consistent returns and security the fund provides.
At the end of your investment term, you’ll have the option to withdraw your funds or reinvest them into the same or another fund. We’ll contact you before your term expires to discuss your preferences and provide guidance on the next steps.