Select Funds

SELECT FUNDS

We offer investors secure and reliable fixed income returns through our Select Funds. Investors can choose which mortgage  they wish to invest in, we give you a comprehensive guide to help you make the best investment.

• Fixed interest rates ranging from 6% – 11.00% p.a.
• Short term investments ranging from 6 to 24 months
• Reinvest your earnings or have the interest paid monthly to your account
• All secured property must be residential, commercial or industrial in nature and generally located in the eastern Australian states and major capital cities, or regional areas with populations greater than 25,000.

WHY INVEST WITH MOSHAV FINANCIAL?

• Control – Investors can self-select their own mortgage investment or can authorise moshav financial to do this.
• Term certainty – Fixed term agreed at the start of the mortgage investment.
• Regular income – Paid monthly or quarterly.
• Security – Mortgage security over real property.
• Choice – Exposure to a broad range of Mortgage investments.
• Transparency – Security property valuation information.
• Skills and experience – Access to Moshav’s property and mortgage management investment expertise.
• Reporting – Regular investment statements and an annual tax statement to keep you up to date on your investment.

We have an established fund secured by property (commercial, industrial or residential). We offer you the opportunity to invest in something real. All our investments are backed by property.

Depending on our views and market conditions, property market cycles and various other conditions, these parameters vary from time to time.

OUR INVESTMENT OBJECTIVE

Moshav Financial’s Select Fund aims to achieve a 6.0% – 11.0% per annum return for our investors. We achieve secure and consistent returns via the Borrower’s obligation to pay interest and ultimately repay the principal.

INVESTMENT STRATEGY

• Undertaking due diligence on each Borrower especially to confirm creditworthiness and to assess each Borrower’s ability to repay the loan.
• We obtain a property valuation.
• We implement a strict loan assessment criteria, investment criteria and lending criteria.
• undertaking due diligence on builders, such as work history, completed projects, ensuring builders have certain mandatory insurance coverage, references, financial capability and bond;
• We take security of additional non-related properties if required.
• We ensure a guaranteed maximum fixed price building contract from a reputable and established builder who has experience in the type of proposed construction.
• We ensure that the property development project is employing standard construction techniques.
• We monitor all construction loan drawdowns and ensure there are always sufficient funds to complete the property development. Each project has an independent quantity surveyor or construction cost manager appointed prior to the commencement of the property development project to verify that there are sufficient funds available to complete and to verify the completion of each stage of construction prior to the draw-down of funds.
  
• We enter into a tripartite agreement with the builder in order for construction to complete.