analytics@impressive.com.au 
For wholesale investors in Australia, short-term investment strategies can be a smart way to meet specific financial goals, whether that’s preparing for a major purchase, balancing liquidity needs, or simply seeking more dynamic returns than what traditional savings accounts offer.
In today’s low-interest environment, many investors are exploring investment alternatives that offer higher returns over defined terms. One such opportunity lies in direct property mortgages, a structured, asset-backed approach that can align with shorter investment horizons while offering the security of Australian property investment.
Understanding the Timeframe in Direct Mortgage Investments
Unlike direct property ownership, which may require years of commitment and capital lock-in, direct mortgage investments typically have terms ranging from 6 to 24 months. This makes them a compelling option for investors looking to boost returns over the short to medium term.
At 268 Fund, our Direct Investment Fund provides wholesale investors with access to secured property-backed loans structured with clear repayment schedules. These terms are generally tied to the lifecycle of the underlying property project, such as the completion of a development or the sale of an asset.
Potential Benefits for Short-Term Investors
If you’re aiming to generate returns over a shorter timeframe, direct mortgage opportunities offer several advantages:
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Regular income: Many opportunities deliver monthly income, which can support cash flow.
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Clear, controlled capital reinvestment: Your funds are returned at project completion, and we don’t auto-redeploy. Once the trust is closed, you can reinvest in a new project, ensuring clear separation between investments.
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Enhanced returns: Compared to savings accounts or term deposits, direct property mortgages can offer more attractive yield potential, especially when backed by robust underwriting and secured by property assets.
For example, many 268 Fund investors target returns of 12% p.a. or more, depending on the terms and risk profile of the opportunity.*
What Influences the Term Length?
The duration of a direct mortgage investment is typically determined by:
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The length of time needed to complete a development or sale
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The borrower’s exit strategy (e.g., refinance or sale)
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Loan conditions set during underwriting
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Market conditions impacting project timelines
Each investment has unique characteristics, making due diligence essential. Investors should always review project specifics, loan duration, and repayment mechanisms before committing.
A Note on Liquidity
While direct mortgage investments can be short in duration, they are not liquid in the same way savings accounts or listed equities are. Capital is typically locked in for the full term of the loan, and early exits are generally not permitted, or may incur additional costs.
Therefore, it’s crucial to treat this strategy as a defined-term investment, not one offering on-demand access to your funds.
When incorporated into a broader short-term investment strategy, direct property mortgages can complement more liquid assets, offering diversification across risk and timeframes. They are particularly suited for investors with known short-term financial goals, such as funding a project, bridging a gap between asset sales, or planning around tax-effective timing.
Conducting Due Diligence
Wholesale investors exploring short-term opportunities through direct mortgage investments should assess:
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The loan term and structure
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Security (e.g., registered first mortgage)
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Borrower & Builder history and project viability
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Loan-to-value ratio (LVR)
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Exit strategy and repayment plans
At 268 Fund, we provide detailed documentation for each opportunity, including a Supplementary Information Memorandum (SIM), to ensure investors have the transparency and confidence they need to make informed decisions.
Explore Short-Term Potential with 268 Fund Australia
If you’re a wholesale investor looking to go beyond savings accounts and unlock better short-term returns, the 268 Fund Direct Investment Fund could be the ideal fit.
Our fund offers carefully structured direct mortgage investments secured by Australian real estate, with terms ranging from 6 to 24 months. We focus on risk-adjusted returns, rigorous project vetting, and full transparency to help you make strategic investment decisions aligned with your goals.
To learn more about current opportunities and explore how they might align with your short-term objectives, visit our Direct Investment Fund page or speak with our investment team today.
Aligning Returns with Short-Term Goals
While many property investments are long-term by nature, direct mortgage opportunities offer a rare combination of property-backed security and possible shorter-term investment windows, making them a flexible alternative for wholesale investors.
Just remember: short-term doesn’t mean liquid. These investments are for those who can commit capital for the defined term in exchange for the potential to earn strong returns.
If you’re ready to make your capital work smarter within the Australian property market, direct mortgage investing with 268 Fund might be your next strategic move.
Disclaimer: This content is general information only and does not constitute financial advice. Terms and Conditions apply. See IM and SIM for further details. Past performance is not an indicator of future performance. Investments with 268 Fund are open only to wholesale investors as defined by the Corporations Act 2001 (Cth). Please consult your financial adviser before making any investment decisions.
