Investment Process

Our Lifestyle Fund is a contributory mortgage fund where we select the assets that meet our investment criteria. It is designed to provide a set and forget fixed income secured against real property

All our investments are secured by a registered mortgage against real property. If a borrower defaults, your income may be delayed until we reposes and sell the property.

Investments in our funds can consistently earn between 6% and 11%p.a depending on the degree of risk you wish to take. Earnings can be re-invested in one of our Funds provide you with an even greater return.

Mortgage investments are secured by tangible assets that you can 'touch and feel'. All loans that are secured by a mortgage are based on a percentage of the appraised value of the real estate security also referred to as the Loan to Value Ratio (LVR). By combining a lower LVR with short loan terms (the length of time the loan is outstanding) the likelihood of the value of the real estate security dropping below the value of the mortgage is, in a normal market, considered minimal.

Your mortgage investments have a fixed target interest rate for the length of the loan, this provides for a a constant income without volatility. You can also diversify your portfolio by investing in a range of investments within the Select Fund to reduce exposure to one particular asset.

You have freedom to choose the mortgage investment that you think is right for you. Before you invest, you and your financial advisor can review the details of the deal and the proposed loan, including investment term, interest rate, and payment terms together with a description of the project or property used as security for the loan. Based on this information, and your own personal circumstances, you make the decision to invest or not.

You can chose to receive either monthly or quarterly payments.

Moshav Financial manages all the details of the mortgage loan. We coordinate all the legal documentation, ongoing mortgage administration and mortgage renewal negotiations. We collect your interest due and pass it on to you, the investor. Fees for this service are paid by the borrower via a management fee, which is paid from the borrower's interest.

The minimum investment is $500,000 though we consider everyone on a case by case basis. The maximum amount is unlimited and depends on the specific opportunities and funds available. We consider all investors based on their goals and the opportunities we have available.

Moshav Financial has over 19 years of experience in real estate financing and asset management. We draw from these years of experience to serve your mortgage or investment needs. All investments are vetted through a credit analysis process prior to them being presented to you. Seeking to preserve your capital is first and foremost in every investment opportunity we review. Our commitment to excellence includes the following criteria: Appropriate real estate security; Additional collateral required when appropriate; Short term (1-5 years) to minimise risk; Pre-planned exit strategies; Full team of legal and project advisors; All mortgage investments are at arm's length from Moshav Financial Independent valuation on all security; and Credit checks on all borrowers.