Did you know you can invest in property without owning it?

When most people think about investing in property, they picture buying a house, managing tenants, covering maintenance costs, and hoping the value rises over time. But there’s a lesser-known strategy that allows you to benefit from the stability of the property market, without actually owning a property.

It’s called mortgage investing.

And at Millbrook Group, we specialise in making this opportunity accessible to everyday investors through our Millbrook Diversified Credit Fund — a professionally managed, income-focused fund that invests in credit secured by Australian property.
Here’s a breakdown of what mortgage investing is, how it works, and why it’s gaining popularity among smart investors looking for stable, consistent returns.

What is Mortgage Investing?
Mortgage investing (also called private credit or property credit investing) involves lending money to borrowers, typically property developers, businesses, or individuals and securing that loan with real estate as collateral.
In simple terms:
You’re the lender. The property is the security. The return is the interest earned.
Rather than taking on the risks and responsibilities of owning a property, you earn income by participating in the loan side of the transaction, where your investment is backed by a mortgage over real property.

Did You Know?
You don’t need to buy a house to invest in property.
Mortgage investing gives you exposure to the property market without the costs, debt, or maintenance.

Why Investors Choose Mortgage-Backed Credit

1. Property-Backed Security
   Your investment is secured by first mortgages, meaning you’re first in line to be repaid if anything goes wrong. That adds a layer of protection that’s appealing to cautious investors.
2. Attractive Income Potential
   At Millbrook, the Diversified Credit Fund targets variable returns from 7% p.a., which is significantly higher than many traditional income options like term deposits or bonds.
3. Consistency Through Market Cycles
   Because the returns come from interest on loans not from market speculation mortgage investing can offer a more stable income stream, even in uncertain times.
4. Professional Oversight & Diversification
   Our Millbrook Diversified Credit Fund spreads risk across a portfolio of loans secured by Australian property. Each loan is carefully assessed and managed under strict lending criteria to help protect your capital.
5. No Property Ownership Required
   No stamp duty. No tenants. No maintenance headaches. You can invest in the property market passively while we do the heavy lifting.

What is the Millbrook Diversified Credit Fund?
Millbrook’s Diversified Credit Fund gives investors access to a professionally managed portfolio of mortgage-backed credit investments.
It’s designed to

• Provide regular income
• Offer capital stability
• Be suitable for individual investors, SMSFs, and advisers

Backed by Millbrook Group’s extensive experience since 2005, the fund follows strict credit assessment procedures and is overseen by a seasoned investment team that co-invests alongside clients, aligning interests every step of the way.

Who is Mortgage Investing For?
Mortgage investing through a fund like ours may suit:

• Income-seeking investors
• Self-managed super funds (SMSFs)
• Financial advisers seeking alternatives for clients
• Anyone looking to diversify beyond shares and property ownership

Ready to Learn More?
If you’re looking for a smarter way to invest in property, one that’s backed by real assets, the Millbrook Diversified Credit Fund could be a valuable addition to your portfolio.

You don’t have to be a property expert. And you don’t have to buy a house.
Just explore a proven strategy trusted by over 2,400 investors across Australia.
Click here to learn more