Mortgage investment, secured by Australian property.
Investors come to private credit for contracted income backed by registered security over real property. Envision Private arranges those transactions: we source and credit-assess the deal, obtain independent valuation and legal advice, and present the opportunity with the security position, loan-to-value ratio, term and exit set out in writing. Participation is available only to wholesale, sophisticated and professional investors as defined in the Corporations Act. Nothing on this page is 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 — including the risk of borrower default and loss on enforcement.
When it makes sense
- Investors seeking contracted income secured by registered mortgage
- Family offices allocating to shorter-duration private credit
- Investors who want to assess each transaction individually rather than a pooled mandate
- Diversifying across security type, geography, LVR band and mortgage ranking
- Reinvesting maturing capital into successive short-duration transactions
Indicative loan parameters
| Eligibility | Wholesale, sophisticated and professional investors only |
| Security | Registered 1st or 2nd mortgage over Australian real property |
| Transaction size | $250,000 – $20,000,000+ |
| Duration | Typically 1 – 24 months per transaction |
| Valuation | Independent valuation from a panel valuer on every deal |
| Key risks | Borrower default, security value decline, illiquidity, delayed exit |
How the process works
- Investor onboarding — wholesale investor certification and preferences confirmed.
- Opportunity presented — security, LVR, term, pricing, exit and risks in writing.
- Due diligence — independent valuation, title searches and legal review.
- Documentation — loan and security documents prepared by a specialist commercial lawyer.
- Settlement and reporting — security registered, funds advanced, ongoing position reporting.