Project Description:

The Mercer and Cooper Development Income Fund (DIF) offers an accessible and transparent opportunity for investors seeking reliable, mortgage-backed returns through carefully managed property development projects. Combining over two decades of industry expertise, the Fund delivers robust oversight at every stage to maximise security and performance.

About the Fund

The DIF is designed specifically to generate attractive, above-average income by financing property developments within a tightly controlled and risk-mitigated framework. Every investment made by the Fund is protected by registered first mortgages, providing investors with a significant layer of security. The Fund’s leadership team brings together more than 25 years of collective experience across property investment, development, finance, and marketing, ensuring prudent management and expert guidance throughout the investment lifecycle.

Investment Highlights

• Targeted Returns: A Class Units aim for a competitive 12% per annum yield, distributed monthly for consistent cash flow.
• Minimum Entry: Investors can start with as little as $100,000, with flexibility for lower amounts subject to directors’ approval.
• Mortgage Security: Each loan is secured by a registered mortgage over the underlying property, safeguarding investor capital.
• Transparent Fees: There are no entry, exit, or management fees. An early redemption fee of 3.3% applies only if units are redeemed before the end of the 24-month term.
• Regular Communication: Investors receive quarterly updates on fund performance, project progress, and outlook, fostering transparency and trust.
• Proven Team: The fund is led by industry veterans and supported by a reputable advisory board, ensuring each project meets rigorous standards.

Fund Strategy & Structure

The DIF focuses exclusively on short- to medium-term finance for property development projects that are managed and controlled within the group. This vertical integration, from financing to construction and sales, allows for detailed oversight and management of every risk factor. All lending is subject to strict due diligence processes, including independent feasibility assessments, conservative loan-to-value ratios, and robust risk controls. By limiting lending to internally managed projects, the fund maintains high levels of accountability and performance consistency.

Security & Risk Mitigation

• Mortgage-Backed Loans: Every investment is underpinned by a registered mortgage, providing a legal claim over the property in the event of default.
• Project Exclusivity: The fund only finances projects overseen by the directors, ensuring that interests are aligned and standards upheld.
• Independent Reviews: Each project undergoes independent property valuation and feasibility analysis to confirm economic viability and safety margins.
• Conservative Parameters: Loans are capped at 75% Loan-to-Value Ratio (LVR) and require a minimum profit margin to proceed, reducing exposure to market fluctuations.
• Comprehensive Due Diligence: Before funds are allocated, each project is subjected to a rigorous approval process, reviewing permits, builder credentials, and market conditions.

How to Invest

The Fund welcomes investments from a range of entities, including individuals, companies, trusts, and self-managed super funds (SMSFs). Applications are made using the official form accompanying the Information Memorandum, with all investments subject to anti-money laundering and identity verification standards.

• Investors may transfer or redeem their units after a 24-month minimum term, subject to the fund’s conditions and trustee discretion.
• All transactions are processed securely, with full transparency on unit pricing and terms.
• Ongoing communications ensure that investors are fully informed about the status and returns of their investments.

Key Policies

• Exclusive Project Funding: Investor funds are strictly allocated to property projects owned and controlled by the group, ensuring consistent oversight and risk management.
• Flexible Redemption: Redemptions are possible at the end of the minimum term, with early exits considered at the trustee’s discretion and subject to an early redemption fee.
• Professional Advice: The fund does not provide personal financial advice. All investors are strongly encouraged to seek independent professional guidance before committing capital.
• Ongoing Reporting: Regular updates and full disclosure practices support investor confidence and regulatory compliance.

Contact Information

For further inquiries or to request an Information Memorandum and application form, please contact Mercer and Cooper Capital Partners. Their friendly and knowledgeable staff are available to guide you through the investment process, answer questions, and provide detailed project insights.

Discover how the Mercer and Cooper Development Income Fund can help you achieve your investment goals with robust security and transparent management.

Key investment risks:

When considering purchasing or investing in a business, it's important to be aware of the potential risks involved. It is advisable to consult with your accounting and legal advisors before entering into any contracts. While we strive to exercise due diligence, we cannot guarantee the accuracy of the project. It is essential that you verify all financials and legal agreements before proceeding.