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Fund Overview

Targeting

10.5% p.a.

Additional 1% p.a. applicable till March 2027

PAID MONTHLY

Fund Term

3 Years

Launch Date

8 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 10.5% 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. 

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.

The First-Ranking Security Framework

  • 100% Secured First Mortgages

  • 60-75% LVRs

  • Zero Construction Facilities

  • “As-Is” Valuations Only

  • No Trust Level Gearing

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.

Trusted by Sophisticated Investors

“As a new customer and first-time investor in this type of fund, I came to Five Pearls after researching private equity options in the USA and looking for similar opportunities within Australia. I was initially cautious, but from the first interaction, Five Pearls instilled a great sense of confidence and transparency. Their team provided comprehensive insights, guiding me through each aspect of the investment process with professionalism and patience. This level of support has reassured me that entrusting a portion of my portfolio to Five Pearls was a wise decision. They’ve shown me that high-quality private equity investments are indeed accessible here in Australia, and I’m excited to see the growth opportunities that lie ahead with them.”

Lee Grice

Sophisticated Investor

“This is a great investment option. I have had the best experience with FivePearls! I am one of their biggest fans. I love the product, the service and the community. It is a big 5 stars from me.”

Brendan Newell

Sophisticated Investor

“Five pearls are genuine, ethical & honest investment group. I have had such a pleasant experience with them. Highly recommend.”

Serena Turtle

Sophisticated Investor

“Transparency and security are my top priorities. The FivePearls team delivers both, with clear communication and a secure fund structure.”

Ellie Kaymaz

Sophisticated Investor

“FivePearls has provided exceptional access to high-growth corridors. The ethical profit-sharing model aligns perfectly with my investment values.”

Mariam Reza

Sophisticated Investor

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A Message From Our Founder

shaan zaidi

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 10.5% 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. 

Returns Calculator

FivePearls First Mortgage Fund

First Mortgage Fund – Returns Calculator

Estimate the income earned on an investment in a portfolio of senior debt facilities secured by first ranking registered mortgages. Distributions are paid monthly on the 15th, and capital is returned at the end of the three year fund term. Move the slider to see how the figures respond to a different target return.

Target return

10.50% p.a. net of fees
9.50% 10.50% target 11.50%
11.50% p.a. to 31 Mar 2027
includes the additional 1% p.a.
10.50% p.a. from 1 Apr 2027
through to maturity
The target return is net of fees and is a target only — it is not a forecast or a guarantee. Distributions are subject to the distributable income of the Fund.

Your investment

Minimum A$100,000 with a wholesale investor certificate, otherwise a A$500,000 capital commitment applies.
Income accrues from this date. Your first distribution falls on the next 15th.
Effective investment term:
Projected returns

Total income earned over the term
Monthly distribution to Mar 2027
while the additional 1% applies
Monthly distribution thereafter
Capital returned 30 October 2029
Capital may be returned earlier during the realisation period as facilities are repaid.
Total distributions:  ·  Simple return over the term:

This is an illustrative calculator only. Figures assume the target return is achieved in full for the whole term, accrue on actual days ÷ 365, and are rounded throughout. Distributions are subject to the distributable income of the Fund and the target return is not a forecast or a guarantee. This does not constitute financial advice or an offer to invest.