Our Mortgage & Investment Fund: Your Choice, Your Control.
Built for investors who want more control over their investments.
This investment structure is designed for wholesale & sophisticated investors who value transparency, flexibility, and involvement. While you choose where to invest, Bowery handles due diligence, structuring, and ongoing monitoring — so you can act with confidence.
Select specific opportunities
Review each available Mortgage Fund investment and select only those that suit your strategy, preferences and risk appetite.
Understand the details
Each investment comes with detailed information about the security, project information, security location, return profile, exit plan and other terms — so you can understand the investment details before making a decision.
Competitive returns
We pride ourselves on providing competitive returns to our investors. Returns range from 9.00%*^ and vary based on the different security and loan details.
* 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.
Our mortgage & investment fund.*
Investment Term
Ranges from 6 – 24 months (Av. 12 months)
Investment Sizes
Ranges between $500k – $50m
Minimum Investment
$50,000
Distributions
Monthly
Conservative LVR
Maximum LVR exposure of 70%
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. ^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.
Rigorous review. Disciplined process. Uncompromising standards.
Every investment opportunity you see in our Mortgage & Investment Fund has passed through a careful, multi-layered selection process — designed to preserve your capital and maximise potential returns.
A relentless focus on quality
We are focused on securing quality borrowers and experienced developers. We secure all investments against existing and independently valued property to give us an added layer of confidence over the quality of the assets secured in our Investment Opportunities.
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.
Investment committee led by experience
All opportunities are reviewed, assessed, and approved by our Investment Committee which includes experts in private credit, commercial real estate acumen, and risk management expertise.
Hand-picked for excellence
We filter hundreds of potential investment opportunities to present a select few. If it doesn’t meet our standards, it doesn’t make it to you. This is our commitment to our investors since our inception.
To see more opportunities,
apply to become an investor.
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 is the Mortgage & Investment Fund best suited for?
Bowery’s Mortgage & Investment Fund is ideal for wholesale and sophisticated investors who want transparency and diversity when it comes to selecting the specific private credit investment opportunities that satisfies their investment needs. For example, an investor may pick only construction deals in metro-Melbourne areas, or have a strong preference for passive opportunities in highly populated locations.
What is the difference between a passive and construction opportunity?
Passive investments are the simpler options in real estate private credit investing. These loans are secured by existing properties with no planned construction or major development work. Think of it like lending money against a house that’s already built and standing.
Construction investments on the other hand, are more complex as they fund new developments or major renovations over the term of the investment. You’re essentially lending money for an asset that evolves as the development progresses.
How does Bowery source their investments?
Bowery have built a reputation in the market, one where market relationships are at the centre of our culture. These relationships with either brokers, developers, builders or construction companies are key sources of our investment opportunities.
How does Bowery Capital ensure the quality of investments?
Bowery takes a multi-layered approach that goes beyond standard industry practices:
We put our own money where our mouth is. Unlike many fund managers, we financially back every deal we recommend to investors, making us true partners rather than just advisors.
Our assessment goes deeper than the numbers. We apply the “4 C’s of lending” with real-world context, evaluating a borrower’s full story – their track record, market reputation, and how they’ve navigated challenges – not just credit scores or income ratios.
Every investment has a guaranteed exit strategy. We never invest without secured collateral in the form of property(ies) that can be seized and liquidated to repay investors if needed.
This comprehensive approach delivers consistent returns while prioritising investor security.
Can I invest in multiple opportunities at once?
Yes, you can diversify your portfolio by selecting multiple investments that align with your strategy.
What are the typical investment terms?
Terms vary depending on the investment opportunity but range from 12 to 18 months, giving you flexibility to match your needs.
Is there a minimum investment amount?
Yes, as per our Information Memorandum, the minimum investment amount is $50,000.
How are returns paid?
Interest returns are paid directly into investors’ nominated bank accounts each month, on the nominated date following the initial settlement of the Investment Opportunity.
Prefer a simpler approach?
Our Diversified Credit Fund offers a simple, pooled investment structure with built-in diversification and regular low volatile monthly returns — ideal if you’re after ease and consistency.
