At Australian Securities, we believe investment security is key to building long-term wealth for our Members.
To achieve this aim, all securitised mortgage Sub-schemes and Property Fund Sub-schemes are decided on a case-by-case basis, undergoing stringent due diligence processes, including valuations by independent registered property valuers.
Securing your Capital
Safety features include non-pooling of assets, lower LVRs and proprietry Title controls.
The Australian Securities Income Fund and Property Fund provide non-pooled securitised investments with individual properties backing each Fund Sub-scheme as security for the length of the investment.
Investors have the added advantage of Titles being held in trust or registered in the investor’s name, depending on the Fund and the Sub-scheme type. Titles remain in the Fund Managers’ control until the principal and all interest has been repaid or in the case of the Property Fund when Members agree a property will be sold.
To lower your risk, Australian Securities Income Fund maintains a lower Loan to Value Ratio (LVR) and will only lend up to a maximum of 66% LVR based on the final valuation. Early warning protocols are in place to resolve any defaulting Sub-scheme.
Australian Securities Income Fund
Mortgage Title controls in the Income Fund provides Sub-scheme Members with peace of mind.
Tier 2 Mortgage®
Only local Mortgage securities are considered for the Income Fund
Australian Security Property Fund
Property selection criteria
- Where possible, we will source commercial properties in growth corridors.
- Consider properties with development potential.
- Where practical, we will ensure properties have signed commercial leasing agreements in place and a good relationship with tenants to avoid tenancy disputes.
- Where possible, we will optimise capital return by adding value to leased properties. For example, adding solar panels, storage, cooling or heating facilities, and more.
- We ensure that properties are maintained and insured at all times.
- Leasing is indexed with inflation, and increases are negotiated yearly.
Australian Securities Term Fund
The Australian Securities Term Fund offers a well-balanced, lower-risk investment alternative. The Fund weighting reflects the reduced risk with specially selected mortgage securities with low Loan to Value Ratios (LVRs).
The Term Fund balances the spread of mortgage securities to no more than an approximately 40-55%, and up to 60% invested in a range of cash equivalent investments with approved credit ratings from S&P, Moody’s and authorised deposit-taking institutions protected by Australian Government’s Financial Claims Scheme.
ASIC Regulatory Guide RG45 (revised 9 May 2012) has eight benchmarks for unlisted mortgage schemes for Scheme Members and prospective retail or wholesale investors to understand better and assess the risks, rewards and suitability of this form of investment. Review how our Fund deals with each benchmark in the ASIC Benchmark Overview in each PDS.
The benchmark should be read in conjunction with the Product Disclosure Statement for each Fund.
If you are interested in opportunities to grow wealth, simply start the process by applying online or complete the application form in the Funds PDS and email to – [email protected]
Have questions? Call us on 1300 275 275. We don’t have call centres, you’ll talk directly to our investment managers or executives when you call.