Calculate your potential return on investment through our Distribution Re-Investment Plan (DRP)

Slide the scales to see the difference between earning a quarterly distribution and reinvesting the quarterly distribution. Interest earned is compounded quarterly and based on the March 2024 quarterly return of 9.54% p.a. (Wholesale) or 9.04% p.a. (Retail) This is an example only, real returns will vary from quarter to quarter.

Interest vs Compound Interest Calculator

*Capital at risk. Returns not guaranteed. Listed returns are estimates only in respect to our Wholesale Fund and are net of fees. Past performance does not indicate future returns.

Am I a Wholesale or Retail Investor?

1Wholesale Investor
1. A person or entity who initially invests at least $500,000 or

2. A person or entity that has obtained an accountant’s certificate within the preceding six months stating that they:

a) have net assets of at least $2.5 million, or
b) have a gross income of $250,000 p.a. for each of the last two financial years.
2Retail Investor
Anyone else who doesn't fall within the Wholesale classification above.

Invest in Australia's Leading Mortgage Fund

At APG, we now provide investors the option to compound the interest earned from investing in our Pooled Mortgage Fund through the Distribution Reinvestment Plan (DRP). Rather than receive your quarterly distribution you can now choose to reinvest the distribution and compound your interest over time.

APG’s pooled mortgage fund is used to finance a variety of small business and property development loans. It’s managed by a team of experienced mortgage managers who conduct extensive due diligence on each of the borrowers and all loans are secured by Australian real estate (we favour conservative loan-to-value ratios of up to 75%, but often the LVRs are a lot lower.)

To learn more about the fund or the Distribution Reinvestment Plan, you may:

Download the Investor Pack -or- Book a call to speak to our Investor Relations team

Building Wealth with Compounding Interest

Warren Buffet once said: “my life is a product of compound interest.” As one of the richest people of our time, Mr. Buffet has been very vocal about the power of compounding interest to build your wealth.

Granted, not everyone has the capital to buy and reinvest in multiple businesses the way Warren Buffet has done to amass his billion-dollar net worth. However, that doesn’t mean that smaller-scale investors can’t apply this massively powerful investment model.

In this article, we take a look at how you can start applying the principles of compounding interest using pooled mortgage funds.

What am I investing in?

The Pooled Mortgage Fund funds Registered First and Second Mortgages that are secured by Australian property with conservative Loan-to-Value Ratios - we typically lend less than 75% of property value. Investors in the Pooled Mortgage Fund have their funds diversified across a portfolio of loans looked after by the experienced team at the Mortgage Manager, Private Mortgages Australia, who conduct extensive due diligence before settling any loans.

Who can invest?

We are able to accept all investors whether they are a Retail or Wholesale Investor (see below for explanation). We can also accept investments from individual investors, self-managed super funds, trusts and companies.

(for Wholesale Investors)

(for Retail Investors - Target Market Determination)

Pooled Mortgage Fund details:

Return 9.54% p.a.* return in March 2024
Minimum Investment $10,000 (Retail) $25,000 (Wholesale)
Fees All returns listed are net of fees excl. a 0.5% p.a. fee charged to Retail investors.
Distributions Quarterly
Redemptions Quarterly (pending liquidity)
Minimum Term None

Note: *Capital at risk. Returns not guaranteed. Listed returns are in respect to our Wholesale Fund and are net of fees. Past performance does not indicate future returns.

Why Choose APG

  • All investors have received their quarterly distributions on time.
  • All investors have had their request to redeem funds paid on time.
  • The value of investors' initial investment has remained at $1.00 per unit.
  • We have an experienced team dedicated to delivering the best results for our investors.
  • Our directors are invested in the fund – we have skin in the game.
  • Our Mortgage Managers conduct extensive due diligence on every loan opportunity.
  • Every loan is secured by Australian real estate.
  • We deliver real service to our investors – we’re here to help however we can.
  • A large number of our investors have been with us for many years and reinvested with us.

Download our Investor Pack to find out more about APG, what to expect when investing in our Pooled Mortgage Fund and how to get started.