Investors

Why Invest with Link?

Capital-secure returns. Monthly income. Zero losses to date.

At Link Capital, we offer investors direct access to a portfolio of secured loans backed by first mortgages across Australian real estate projects. Our pooled fund is designed to generate consistent, attractive returns without the volatility of public markets.

With a target return of 8.25% p.a.*, dependable monthly income, and a flawless repayment record, we provide a smarter way to invest in private credit with confidence.

How it Works

We make private credit accessible, secure and rewarding.

Invest from $100,000+

Your capital is pooled with others in the Link Credit Funds.

We deploy capital into secured loans to qualified borrowers

Each loan is thoroughly vetted by our credit team, ensuring alignment with our lending strategy and risk profile and backed by a registered first mortgage.

You receive monthly income

Distributions are paid monthly, with capital preservation at the forefront.

The Structure

Investor Capital

Each investor contributes $100,000+, which is pooled with other investors to form the fund. This capital becomes the foundation for providing secured loans and generating returns.

Investment Manager (Link)

As the Investment Manager, Link Capital oversees all aspects of the fund . From loan origination and due diligence through to compliance, monitoring, and investor reporting. Our role is to safeguard your capital while seeking strong, consistent returns.

Secured Loans Portfolio

Investor capital is deployed into a diversified portfolio of secured loans. Each loan is carefully assessed and backed by tangible property assets, reducing risk while aiming for steady, reliable returns.

Registered First Mortgages over Australian Property

All loans are secured by registered first mortgages over Australian property. This ensures Link Capital has the highest-ranking claim on the asset in the event of default, providing strong protection for investor capital.

How We Deploy Your Capital

Every opportunity we fund goes through a disciplined, step-by-step process to ensure strong fundamentals, appropriate risk-adjusted returns and capital protection. Here’s how we assess and manage each deal, from origination to oversight.

1. Origination

We actively source secured lending opportunities through our network of developers, brokers, and industry professionals.

2. Initial Review

Each opportunity is reviewed by our team and assessed against market benchmarks and lending criteria.

3. Credit Assessment

If the project shows strong fundamentals and appropriate risk-adjusted returns, we conduct detailed analysis and refine loan structure and pricing.

4. Due Diligence

We engage independent professionals to validate key elements of the project, valuation, legal, and feasibility, prior to settlement.

5. Credit Approval

The opportunity is presented to Credit for review. Once approved, we proceed to secure formal documentation and borrower commitment.

6. Deployment and Oversight

Funds are deployed and the loan is actively monitored throughout its term. Investors receive monthly income and detailed quarterly reporting.

Fund Facts

8.25% p.a.* target return

Monthly income
First mortgage-backed security
Proven performance, no losses to date
Quarterly reporting
Direct support from our team

Fund Governance

Our Funds are managed in compliance with ASIC regulations, with clear documentation, loan-level security registers, and full transparency for investors.

Investor Profile

The Fund is intended to be used as part of a diversified portfolio for investors seeking income and capital preservation.

Prospective investors should ensure they have an informed understanding of the strategies and techniques employed by the Manager, the risks of the Fund and that the risk profile of the Fund is compatible with their own risk tolerance. The Fund is not suitable for investors who cannot tolerate any loss of capital.

The Link Mortgage Fund Target Market Determination (TMD) is available here.

Investor FAQs

What are the Link Credit Funds?

The Link Credit Funds are pooled funds that give investors direct access to private credit opportunities, secured by registered first mortgages over Australian real estate.

Your capital is combined with other investors and deployed into a carefully managed portfolio of loans to qualified borrowers. Each investor holds a proportionate share of the fund and receives a monthly income distribution, targeting up to 8.25% p.a.*.

Designed to be passive by nature, the fund offers exposure to asset-backed investments typically not available to individuals, without the time or complexity of sourcing deals yourself. Risk is spread across a diversified pool of borrowers, projects, and locations, with all loans vetted by Link’s internal Credit Committee and secured by first mortgages.

For investors, it’s a way to diversify beyond traditional markets, generate consistent income, and preserve capital, all with the confidence of a fund that has delivered zero losses to date.

What return can I expect?

The Funds target a return of 8.25% p.a.*, paid monthly. While returns are not guaranteed, this target is based on Link’s track record of disciplined lending, low average LVRs, and a history of zero losses to date.

How often are income distributions paid?

Distributions are paid monthly via electronic transfer, providing investors with a regular, reliable income stream.

Is my investment secured?

Yes. Every loan is backed by a registered first mortgage over real property, providing a high level of capital protection. In addition, we maintain conservative lending parameters, including a 67.5% average loan-to-value ratio (LVR). Please refer to the Product Disclosure Statement (PDS) for full details.

What is the minimum investment?

The minimum investment in the Link Credit Funds is $100,000. Additional investments can be made, with a minimum increase of $100,000.

Are there upfront costs to invest?

There are no upfront entry or establishment fees to invest in the Link Credit Funds.

How do I invest with Link Capital?

To get started, download the Product Disclosure Statement (PDS) and application form or contact our team on (08) 8312 5960. Once you’ve reviewed the PDS, simply complete and return the application form to kickstart the process.

Can I withdraw my investment?

Our Funds are expected to be non-liquid, meaning redemptions are not available on demand. Withdrawal offers are made quarterly, subject to fund liquidity and Trustee approval.

While Link Capital will make every effort to honour redemption requests, access to capital is not immediate or guaranteed. Full details are outlined in the Product Disclosure Statement (PDS).

Are there risks in investing in a Mortgage Managed Fund?

Like all investments, mortgage managed funds carry some risk. While all Link Capital loans are backed by registered first mortgages and selected through a rigorous credit process, this investment is not a bank deposit and is not covered by the Australian Government’s Deposit Guarantee.

We are committed to capital preservation and have maintained a flawless repayment record to date, but past performance is not a guarantee of future returns. A full outline of risks is detailed in the Product Disclosure Statement (PDS), which should be read carefully before investing.

How is Link Capital regulated?

The Link Credit Funds are operated under ASIC regulation. An independent Trustee safeguards the assets and ensures that all operations are compliant with the Trust’s constitution and relevant financial services laws.

Why do property developers use private funding?

Traditional bank finance has become increasingly difficult to access, with tighter lending criteria, regulatory pressure, and long approval timelines. For developers working to real-world deadlines, that creates delays and missed opportunities.

Private lenders like Link offer a faster, more flexible alternative, with funding solutions tailored to the needs of modern development.

Stronger returns start here

Average 8.25% p.a.* through disciplined lending.

Start Investing

What Our Investors Say

"Professional and principled."

Link Capital stands out for their integrity and professionalism. From the onboarding to the quarterly reports, everything is done properly. I trust them with a significant portion of my income-generating portfolio.

Fiona B – Family Office Director - Sydney NSW

"This is what smart, secure investing should look like."

I’ve had investments with banks, funds, and brokers, none have been as direct or well-managed as Link. It’s simple, consistent, and fully secured by real assets. I’ve now referred two friends.

Michael C – Business Owner - Kent Town SA

"An ideal addition to my portfolio."

I was looking to diversify away from shares and found Link Capital through a referral. The 8.25% target return is attractive, but what really stood out was their risk management, conservative LVRs and quality oversight.

Greg S – Private Investor - Glenelg SA

"It feels like a partnership, not just an investment."

The Link team are accessible, transparent, and genuinely committed to their investors. I appreciate being kept informed, and I know exactly where my money is going. It’s a rare level of clarity in private markets.

Linda T – Retired Executive - Stirling SA

"Consistent returns, no surprises."

I’ve been investing with Link Capital since early 2022. Every month, the returns land on time, and the reporting is clear and easy to follow. For me, the peace of mind knowing the fund is backed by first mortgages is invaluable.

Peter M – SMSF Trustee - Adelaide SA

Please note:

Link Capital is not a bank and investing in the Link Credit Funds is not classed as a bank deposit. Private lending is subject to general investment risk, with a possibility of losing part or all of your invested capital. Should you request to withdraw your investment, the return of your capital will be dependent on the availability of liquid assets in the Investment Account and that the borrowers have made the appropriate loan repayments. The income return rates are not guaranteed and may be lower than expected from time to time, as they are ascertained by future revenue.

To ensure that investing in the Link Mortgage Fund is the right investment choice for you, we highly recommend that you read our Product Disclosure Statement and Target Market Determination.