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Net Returns of 6-12% pa

with first mortgage security

Register Now Below

“Secure Investments in Mortgages”

Register to Receive Exclusive Investment Opportunities!


Earn Monthly Cashflow or Capitalised Interest at attractive rates of return. Choose from a variety of loan investment opportunities to match your retirement and investment goals.
Capital Security. Your capital is secured by a first mortgage against real property.
Conservative lending ratios. We only lend up to 65% of the value of the security property. Independent valuation is carried out by members of an approved panel of valuers.
Transparency and Control. Know exactly where your funds are being invested with the freedom to undertake your own due diligence. Select the individual loan type, size, term, location, and borrower you are most comfortable with.
Set and forget. We collect interest payments and deal with the borrower on your behalf. Your privacy is of paramount importance to us and your details are never shared with the borrower.

How it Works

The banks and traditional lending institutions have dramatically reduced their exposure to financing residential, commercial, construction and development property.
We receive loan applications from creditworthy borrowers and our network of accredited brokers and referrers.
We thoroughly screen these applications and email the best of these loan investment opportunities to our registered investors for consideration.
Investors choose which individual loans to fund then receives monthly interest payments.

Invest as little as $50k and start achieving higher yields today!

Do I Qualify?

Private investors with cash are in the best position to be able to take advantage of the most attractive of our investment opportunities. However, as defined under the Corporations Act 2001, investments can only be made by sophisticated and wholesale investors.

What is a Sophisticated and Wholesale Investor?

Sophisticated investors need to be able to show net assets in access of $2.5m and annual incomes over $250,000 for the past 2 fiscal years.

Wholesale investors need to have over $500k available to invest. If you are more comfortable initially investing a smaller sum, we accept investment amounts from $50,000 but require a letter from your accountant certifying that you qualify as a wholesale investor.

Our wholesale investors include: High net worth individuals (HNWI), Family offices, Self managed super funds (SMSF), Religious groups, Charities, Hedge funds, and Foreign investors.


Sign up as a wholesale investor and get emailed exclusive investment opportunities.
Choose the loans that interest you. Undertake your own due diligence or seek any professional advice so you can make an informed decision.
Complete and return the paperwork provided. The mortgage is then registered.
Transfer the nominated funds to invest into a lawyer’s trust account.
Receive monthly interest payments or capitalised interest on repayment of the loan.
Get your principal back at the end of the loan or choose to reinvest.
Sign Up Now

Get emailed exclusive investment opportunities!

Proven Returns

Investor returns range over 12 year period

Weighted Average Net Return of 10.5%!

12 Year historical yield range achieved of between 6-24%.

Results across all group entities from 2006 – EOFY 2018.

Past results are not a guarantee of future performance.

Featured Investment


Investor Return: 9% pa

LVR: 60%

Loan Amount: $8,550,000

Property Value: $14,250,000

Loan Term: 12 months

Location: Leppington, QLD

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A Snapshot of the Range of Loans Funded by our Private Investors over the Past 12 Years


52.2% LVR weighted average property security!

Loan to value ratio range over 12 year period

Debt Type

93.9% of loans funded are for first mortgage senior debt.

Loan security type range over 11 year period


43.8% of properties funded based in NSW.

Total location value


47.7% of loans funded are for terms of 6-12 months.

Loan term range

Results across all group entities from 2006 – EOFY 2018.

Past results are not a guarantee of future performance.

Receive monthly income payments at far better rates of return than term deposits!

Frequently Asked Questions

Q: Why doesn’t the borrower go to the bank?

A: The banks and traditional lending institutions are under increasing regulator pressure to slow property investor activity. Lending criteria is getting tougher and the banks are withdrawing completely from lending in certain market sectors – most notably to foreign and interest-only investors in the residential, commercial, and construction sectors.

Q: How is my money secure?

A: By way of a mortgage registered in your name for commercial loans. Credit Connect Finance holds the mortgage on your behalf and you hold a charge against the company for home loans.

Q: What is the investment term?

A: Up to 36m, depending on the loan selected.

Q: When do I get paid interest?

A: We collect payment from the borrower on the 1st of each month and deposit the funds into your nominated bank account on the 10th. For loans where interest is capitalised, interest is received upon repayment of the loan.

Q: What are your fees?

A: Your returns are net yield. All costs are paid by the borrower. Our fees are made up of the difference between the rate charged to borrowers and the rate of return offered to our investors – so there is no cost to you! What we advertise is what you get.

Q: What about my privacy?

A: Your privacy is of paramount importance to us. We deal with the borrower on your behalf and at no point is your personal or identifying information shared with the borrower.

Q: Is CCG qualified and licensed to provide finance?

A: Within the group, we hold both an ACL and AFSL issued by ASIC. We take our licence responsibilities seriously and follow responsible lending practices. Read more here

Q: Why a Loan-to-Value Ratio (LVR) of 65%?

A: Advancing up to two-thirds of valuation is an industry best practice that has stood the test of time. In the event of default, lending to 65% allows approximately 10% to cover interest not paid, 10% for borrower litigation, 10% for market loss and 5% for costs. 65% Is typically a “maximum” LVR and certain investment opportunities may be presented at a lower level of gearing.

Q: What are the risks of investing in mortgages and how do you mitigate them?

A: Below is a non-exhaustive list of the most commonly known and identifiable risks associated with investing in mortgages and how we mitigate these risks.

Risk: Financial engineering or packaged sub-prime mortgage securities as per the GFC and Big Short movie.

Solution: We don’t offer these types of opaque investments where you have no idea of what assets you actually own. We deal exclusively in transparent, stand-alone mortgages secured by real property which investors select and investigate themselves.

Risk: Pooled mortgage investments where your funds are placed in a pool and invested on your behalf into various undisclosed mortgages.

Solution: We present individual contributory mortgages to wholesale investors for investigation, selection and funding. Investment is made by one investor or two or more equal contributors.

Risk: Floating rates of return subject to fluctuations of the economy or corrections in the market.

Solution: We offer investors fixed interest rates for the life of the loan!

Risk: Capital liquidity / early exit.

Solution: Short investment commitment terms of up to 36 months. Should the lender wish to access their invested funds before the maturity date of the loan, every effort will be made to replace them with another investor.

Risk: The Borrower repays the loan early.

Solution: Typically, borrowers are required to give 30 days’ notice of intention to repay the loan early. Replacement investment opportunities will be emailed to the investor within this time to ensure continuity of your interest payments.

Risk: The Borrower misses an interest payment or defaults.

Solution: If the borrower misses a payment, default interest will be charged at a higher rate for the investor’s benefit.

We lend up to a maximum of 65% of the independently-assessed value of the security property, with a minimum equity cushion of 35%. The mortgage is registered in the investor’s name for commercial loans. Credit Connect Finance hold the mortgage on your behalf and you hold a charge against the company for home loans.

In a worst-case scenario, the property put up as collateral will be sold and investor’s capital plus interest recuperated. All expenses associated with any recovery action are payable by the borrower.

We employ dedicated asset managers who specialise in default management to ensure the recovery process is as smooth and frictionless as possible.

Have more questions? Contact us for a confidential and obligation-free discussion now.

Important Information: The information provided on this website is for general education purposes only and is not intended to constitute specialist or personal advice. This web site is not intended to be a complete statement of all information and has been prepared without taking into account your objectives, financial situation or needs. Because of this, you should consider the appropriateness of the information to your own situation and needs before taking any action. It should not be relied upon for the purposes of entering into any legal or financial commitments. Past results are not a guarantee of future performance. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy.

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