faqs

Your Most Popular Questions

We help you see the world differently, discover opportunities you may never have imagined and achieve results that go beyond. 

1. Who is Multifunds?

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.

2. How long have you been in business?

Multifunds was started in 2018, originally dealing with other lenders and high-net-worth individuals. 

3. Why should I choose to Invest with Multifunds?

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.

4. What is the minimum amount required to Invest?

The minimum investment starts at $100,000, with a flexible minimum term of 6 months. 

5. Is there any requirements for me to Invest?

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. 

  1. You must hold net assets worth more than $2.5million;or
  2. 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. 

6. Are there any fees or hidden charges?

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.

7. What type of funds do you operate?

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.

8. How is this different from peer-to-peer lending?

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.

9. What happens if a borrower doesn’t repay their loan?

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.

10. How do I know my investment is secure?

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. 

11. What types of properties secure the loans in your funds?

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.

12. How are borrowers selected?

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.

13. What kind of returns can I expect?

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.

14. Can I reinvest my returns?

Yes, you can choose to reinvest your monthly distributions to compound your returns or have them paid directly to your nominated account.

15. What happens if I need to access my funds before the investment term ends?

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.

16. How do I monitor my investment?

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.

17. What happens if the property market declines?

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.

18. What makes your funds different from other investment options?

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.

19. Can I invest through my Self-Managed Super Fund (SMSF)?

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.

20. What happens at the end of my investment term?

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.