Investment Options
Direct Mortgage Investment
With this option, your money goes directly into a specific mortgage deal. You earn the full interest paid by the borrower on that mortgage. It's a very transparent way to invest because you know exactly which deal your money is working in.
How it works:
- You are linked to one mortgage
- You earn all the interest from that mortgage, in proportion to how much you invested
- Payments come to you when the borrower pays, usually monthly or quarterly
- If the borrower pays off the mortgage early, you get your money back and can reinvest
- At renewal time, you decide if you want to continue or exit
👉 This is best for investors who like full transparency and want to see exactly where their money is working.
Example:
If you invest $1,000,000 into a mortgage at 10% interest, the borrower pays $100,000 per year in interest.
- That means you would receive about $8,333 per month, until the mortgage is paid off
- When the mortgage ends or is paid back, you can take your funds or roll them into another deal
Pooled Mortgage Fund
With this option, your money goes into a pool of mortgages managed by us. Instead of being tied to one borrower, you are part of many deals at the same time. This spreads out the risk and gives you steady returns.
How it works:
- Your funds are combined with other investors' funds
- Together, the pool lends to many borrowers
- You earn a share of the overall returns from the entire portfolio
- Payments are made to you monthly or quarterly, based on how the pool performs
- Less risk from one borrower, because you are automatically diversified
👉 This is best for investors who want steady, hands-off income and don't want to worry about which specific mortgage they are in.
Example:
If you invest $1,000,000 into the pool and the pool averages 9% return, your income is $90,000 per year.
- That's about $7,500 per month of steady income
- Even if one borrower pays late, your returns are balanced because you're invested across the pool
Fixed Return Investment
This option gives you certainty and predictability. Instead of being linked to one mortgage or a pool, you agree upfront on a fixed return rate for your investment. That rate is locked in for your term.
How it works:
- Your rate is decided at the time of investment (for example, 8% per year)
- You don't need to track the performance of individual mortgages
- You get your fixed income on schedule — monthly, quarterly, or annually
- At the end of the term, you can choose to renew or withdraw your funds
👉 This is best for investors who want simplicity and guaranteed income.
Example:
If you invest $1,000,000 at a fixed 8% return, you receive $80,000 per year.
Investment Return Calculator
Estimate your potential returns with our investment options