Invest in Our Pooled Mortgage Fund


  • Targeting 8%+ p.a.*
  • Passive income via quarterly distributions
  • Open to ALL investors
Learn how to get started

Download Investor Pack

*Listed returns are in respect to our Wholesale fund and net of fees.

Latest Investment Opportunities


Listed below are examples of loans we are looking to fund via the Pooled Mortgage Fund, or those that have been funded or repaid. The loans are all short-term business loans that are secured by Australian real estate.
October 22, 2021

Southport, QLD – 7.19% p.a. Refinance

The purpose of this loan is to refinance an existing loan. Security includes a residential property in Southport, QLD.
LVR TERM TARGET RETURN SECURITY
80.00% 12 months 7.19% p.a. 1st Mortgage
October 15, 2021

Greta, NSW – 7.11% p.a. Renovation Completion

The purpose of this loan is to refinance an existing loan and complete the renovation of a property in Greta, NSW.
LVR TERM TARGET RETURN SECURITY
27.69% 9 months 7.11% p.a. 1st Mortgage
October 15, 2021

Box Hill North, VIC – 7.02% p.a. Property Purchase

The purpose of this loan is to complete the purchase of a mixed use property in Box Hill North, VIC.
LVR TERM TARGET RETURN SECURITY
78.29% 6 months 7.02% p.a. 1st Mortgage
October 7, 2021

Moss Vale, NSW – 8.00% p.a. Subdivision

The purpose of this loan is to refinance a current loan with Private Mortgages Australia and clear loan used for his concrete business in NSW.
LVR TERM TARGET RETURN SECURITY
56.18% 18 months 8.00% p.a. 1st Mortgage
September 23, 2021

Thornbury, VIC – 12.64% p.a. Business Cashflow

The purpose of this loan is to provide finance for additional business cashflow. Security includes a residential property in Thornbury, VIC.
LVR TERM TARGET RETURN SECURITY
75.00% 18 months 12.64% p.a. 2nd Mortgage
August 20, 2021

Corinella, VIC – 8.01% p.a. Land Purchase

The purpose of this loan is to provide finance for the purchase of a vacant block of land for future development in Corinella, VIC.
LVR TERM TARGET RETURN SECURITY
46.00% 9 months 8.01% p.a. 1st Mortgage
August 13, 2021

Multiple Locations, TAS – 7.55% p.a. Refinance

The purpose of this loan is to refinance two existing loans. Security includes two residential properties located in Tasmania.
LVR TERM TARGET RETURN SECURITY
65.00% 6 months 7.55% p.a. 1st Mortgage
August 6, 2021

Eltham, VIC – 12.31% p.a. Refinance

The purpose of this loan is to refinance two existing loans. Security includes a luxury property in Eltham, VIC.
LVR TERM TARGET RETURN SECURITY
75.00% 5 months 12.31% p.a. 2nd Mortgage
July 30, 2021

Multiple Locations – 7.58% p.a. Refinance

The purpose of this loan is to refinance existing business loans currently with a major bank. Security includes five separate properties.
LVR TERM TARGET RETURN SECURITY
70.91% 12 months 7.58% p.a. 1st Mortgage

SIT BACK AND ENJOY OUR PASSIVE INVESTMENT OPPORTUNITIES


Learn how to get started

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.

In 2021, the Pooled Mortgage Fund received 'recommended rating' by an independent investment analyst. Download report here.



(for Wholesale Investors)


(for Retail Investors)

Pooled Mortgage Fund details:

Target Return 7%+ p.a.*
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
Minimum Term None

Note: Target returns are not guaranteed nor is return of capital

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.

Historical Performance


Please keep in mind that past performance does not indicate future performance. All returns listed are net of fees other than a 0.5% p.a. fee charged to Retail investors.

June 2021 8.10% p.a.
March 2021 9.14% p.a.
December 2020 9.79% p.a.
September 2020 9.63% p.a.

Why Choose APG


"IIR ascribes a “RECOMMENDED” rating to the PMAC Trust (Pooled Mortgage Fund). The Trust is based on a simple and straightforward investment strategy and objective. And the strategy has delivered. The Trust is managed by an experienced team and a manager with an established history in the property sector. In a world of historically low term deposit rates and ongoing dividend deterioration risk, we continue to view private debt, and including the Trust, as a very attractive alternative for income seeking investors." - see full report


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.



Have more questions?


Get in touch with us today and we'll gladly answer any queries you may have.