Our Diversified Credit Fund: Built for Simplicity.
A Diversified Portfolio, with little investor effort.
Our Diversified Credit Fund is designed for investors who want regular income from a diverse mix of private credit investments. It offers broad exposure to a range of private credit investments across Australia — all professionally managed by an experienced team.
Diversified portfolio
This investment fund is made up of predominantly first mortgage investments and other Private Credit investments. Its purpose is to diversify the portfolio across a mix of investments secured by residential, commercial, industrial and vacant land property.
Regular source of income
Enjoy low volatile income distributions paid monthly, currently targeting RBA Cash Rate +5.00%*.
Conservative lending approach
With a max loan-to-value ratio (LVR) of 70% and a maximum of 40% exposure to construction loans, this private credit fund is designed to deliver a competitive return while preserving our investor’s capital.
* Distribution rate is net of management fees and expenses. Past performance is not an indication of future performance. Mortgage rates will vary over time and the indicator rate may decrease or increase in the future.
Our diversified credit fund*.
Cash Rate +5 % p.a.*
Investment Term
Fixed 12 month term
Minimum Investment
$25,000
Distributions
Monthly
Investment Strategy
Conservative
LVR Exposure
Maximum LVR of 70%
Construction Exposure
Maximum of 40%
Security Type
Residential, Commercial, Industrial and Vacant Land
Loan Types
Construction and Passive Loans
Security
Secured against 1st Mortgages over property held across Australia
* Distribution rate is net of management fees and expenses. Past performance is not an indication of future performance. Mortgage rates will vary over time and the indicator rate may decrease or increase in the future.
Rigorous review. Consistent Strategy. Uncompromising standards.
Every investment opportunity allocated within the Diversified Credit Fund, has passed through a careful, multi-layered selection and review process — designed to preserve your capital and maximise income returns.
Diverse mix of investment opportunities
We invest only in financially robust first mortgage borrowers and experienced developers. The portfolio is secured against a diverse mixture of investments across security type, geographical exposure, LVR and investment term.
Due diligence that goes beyond the standard
Our extensive borrower background checks and credit assessment protocols underpin our investment decisions. We dig deeper — ensuring every investment meets Bowery’s strict quality and return benchmarks.
Consistent investment approach
We manage the portfolio against a predefined investment mandate, aimed at maximising the investment return for investors. Our conservative investment mandate is reviewed monthly to ensure we remain aligned to current market conditions.
Experienced team
Our portfolio is actively managed by our investment team with deep proficiency in private credit, commercial real estate acumen, and risk management expertise. Its this experience that our investors have come to rely on when it comes to managing their hard earned money.
To understand more
please reach out.
Key information & downloads.
At Bowery, we are committed to Transparency in all our communications. Transparency is the foundation in which we’ve built trust with our investors since our inception in 2019.
Share your details to download the document
Wholesale Investor Status Certification
Also, to access this document and content, you will need to confirm that you are a wholesale investor (including sophisticated and professional investors), Financial Advisor or Institutional investors.
Who manages the investments within the fund?
Our experienced investment team. From sourcing the opportunities and due diligence to ongoing monitoring and governance. You benefit from the same due diligence team and investment committee overseeing the key decisions surrounding the quality of the mortgage investments included within the Diversified Credit Fund.
What kind of returns can I expect?
The Diversified Credit Fund currently targets returns of RBA Cash Rate + 5.00%*. These returns are based on a diversified portfolio of real, asset-backed first mortgage investments.
* Distribution rate is net of management fees and expenses. Past performance is not an indication of future performance. Mortgage rates will vary over time and the indicator rate may decrease or increase in the future. ^Each individual supplementary information memorandum defines the returns for each mortgage investment. Investor returns are based on first registered mortgages written since 1 January 2025.
What are the benefits of a pooled fund structure?
These are some of the Top 3 benefits of a pooled fund structure with Bowery:
- diversified investment portfolio across different property-secured investments
- administrative ease – one application sets you up for as long as you wish to stay in the fund
- competitive return for the level of conservative investment strategy (i.e LVR)
Can I access details about where my money is invested?
While individual asset selection is handled by Bowery, you’ll receive regular reporting and fund updates, including performance insights and portfolio composition that help you understand what the Diversified Credit Fund performance has been over the previous month.
How liquid is my investment? Can I withdraw early?
The investment term is for 12 months. After your initial year, investors can simply roll over their investment or notify us of their desire to redeem as per the Information Memorandum. Early or out-of-cycle withdrawals are at the discretion of the Investment Manager and as per the Information Memorandum, may incur an Early Withdrawal Fee as defined within our Information Memorandum.
How often can I add more money to the fund?
Each investment is a separate investment into the fund, so you can add additional investments at your discretion. The minimum investment amount is $25,000, giving you the flexibility to grow your consolidated portfolio over time.
What happens if one of the underlying investments defaults?
Non repayment is a key risk for any Private Credit Fund in Australia. We have a team dedicated to monitoring the progress of every first Mortgage Investment held within our Funds to ensure prompt repayment or intervention in the recovery of the debt.
In addition to this, Bowery has set up an Investor Reserve that is contributed to from our management income. This Investor Reserve is an additional commitment to our investors. This additional layer of comfort, means you can invest with confidence, knowing you will have lower volatility in your income from your investments.
Need more control?
If you prefer to hand-pick your investments, shape your own portfolio and potentially access a better return, our Mortgage & Investment Fund puts the decisions in your hands — with full transparency and flexibility.
