Family offices in Australia: direct access to property-secured private credit.
A family office allocating to private credit wants three things: origination it cannot easily generate itself, underwriting it can interrogate, and documentation that holds up if a borrower fails. Envision Private arranges commercial and investment-purpose loans secured by registered mortgages over Australian real property, and presents each transaction with the borrower profile, security, loan-to-value ratio, term, pricing, exit and risks in writing. Family offices choose their own exposure deal by deal — mortgage ranking, security type, geography, LVR band and duration — rather than inheriting a pooled mandate. Envision Private is a loan arranger, not an NCCP-regulated lender, and arranges funds on behalf of wholesale, sophisticated and professional investors, HNW individuals and family offices. This page is information only. It is not financial product advice or an offer of a financial product; past performance does not indicate future performance; returns are not guaranteed and capital is at risk.
When it makes sense
- Single family offices building a direct private credit allocation alongside listed and property holdings
- Multi-family offices sourcing property-secured transactions for member portfolios
- Investment committees that want deal-level transparency instead of a pooled fund exposure
- Family offices with shorter-duration liquidity needs across 1–24 month transactions
- Deploying maturing capital into successive first or second mortgage transactions
- Family groups with property expertise who can assess security in their own markets
Indicative loan parameters
| Eligibility | Wholesale, sophisticated and professional investors, including family office trustees |
| Security | Registered 1st or 2nd mortgage over Australian real property |
| Transaction size | $250,000 – $20,000,000+, single or club participation |
| Duration | Typically 1 – 24 months per transaction |
| Security types | Residential investment, commercial, industrial, development sites, residual stock |
| Geography | Australia-wide, with metropolitan security preferred |
| Documentation | Independent panel valuation and specialist commercial legal documentation |
| Key risks | Borrower default, security value decline, delayed exit, enforcement costs, illiquidity |
How the process works
- Mandate discussion — wholesale certification, target duration, security preferences, ranking and LVR limits.
- Deal flow — transactions matching the mandate presented with a written credit summary.
- Committee review — your own analysts and advisers interrogate the security, valuation and exit.
- Due diligence — independent valuation, title and company searches, legal review.
- Documentation and settlement — security registered before funds are advanced.
- Reporting — position and covenant reporting through the term to repayment.