FMT

For investors seeking capital preservation above all else

8.75 - 10.25% p.a.

Foundation Investors: bonus 1.25% p.a. for six months*

A Curated Portfolio of Australian Real Estate Loans Secured by First Mortgages

First-ranking security over Australian real estate. Monthly income, disciplined lending, and prudent loan-to-value ratios; built for wholesale investors seeking income, growth, or a balance of both.

Brendan

Built for investors seeking capital preservation above all else — through a portfolio of first-ranking mortgages with a core focus on Sydney’s most compelling land and subdivision opportunities.

Fund Overview

How It Works

Targeting

8.75 - 10.25% p.a.

PAID MONTHLY

Fund Term

4 Years

Launch Date

1 Oct 2026

Fund Type

First Mortgage Trust

How It Works

Wholesale investors commit capital, which is drawn down progressively over the first two years and lent out through first mortgage facilities secured against Australian real estate.

The trust earns monthly distributions from its investments. Investors are paid monthly income from these distributions targeting 8.75–10.25% p.a. net of fees.

Minimum Investment:

$100,000*

*For wholesale investors with a certificate. $500,000 minimum applies without one.

*This is general information only and not financial advice. Investments carry risk, including potential loss of capital. Target returns are indicative and not guaranteed. Wholesale investors only. Please read the Information Memorandum for full details before investing. Past performance is not an indicator of future performance. 

The First-Ranking Security Framework

Your capital is protected through a robust framework of first-ranking mortgage security over Australian real estate. Each facility is supported by prudent loan-to-valuation ratios, with borrower equity subordinated to the Fund's position, ensuring multiple layers of protection from the moment capital is deployed.

  • 100% Secured First Mortgages

  • 60-75% LVRs

  • Zero Construction Facilities

  • “As-Is” Valuations Only

  • No Trust Level Gearing

Trusted by Sophisticated Investors

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A Message From Our Founder

Dear Investor,

FivePearls Funds Management is introducing the opportunity to invest in the FivePearls First Mortgage Trust. Led by a team with extensive experience in private credit, structured finance, and real estate lending, we provide tailored funding solutions to property developers and asset owners across Australia.

The Fund targets a return of 8.75–10.25% p.a. (net of fees) by investing in a curated portfolio of first mortgage credit facilities secured against high-quality real estate assets.

We’d welcome the opportunity to discuss this offering with you, online or in person.

Shaan Zaidi
— Founder & Managing Director

Explore the Offer

Fill out the form to receive the Information Memorandum today.

Investment Disclaimer

*This is general information only and not financial advice. Investments carry risk, including potential loss of capital. Target returns are indicative and not guaranteed. Wholesale investors only. Please read the Supplementary Information Memorandum for full details before investing. Past performance is not an indicator of future performance.