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Investors
Wholesale capital
Investor Solutions
Eligible wholesale investors can access selected Australian private credit opportunities secured by tangible property and documented first-ranking mortgages.
Overview
VERITAS HORIZON is a specialist private lending and property-finance platform. We combine disciplined capital deployment, local property-market intelligence and structured risk management to originate facilities that sit beyond the reach of traditional bank credit — then make selected opportunities available to eligible wholesale investors through a managed investment scheme.
Each financing is assessed on a transaction-specific basis. Underwriting focuses on borrower quality, commercial feasibility, independent property value, mortgage priority, loan-to-value ratio, covenants, monitoring controls and a realistic refinance or asset-sale exit — not on an assumption that the property will simply appreciate.
Income, security, loan terms, leverage and repayment are documented before capital is committed. Independent valuation, legal review and security due diligence are completed so that investor participation is backed by registered mortgage rights and a defined cashflow or exit path, rather than by unsecured credit risk.
This approach follows the same senior-secured private-credit model used by Australian real-estate debt managers: first-mortgage exposure, deal-by-deal underwriting, and ongoing loan management after settlement. Participation remains limited to wholesale clients and is subject to eligibility, due diligence and transaction documents.
Access
Wholesale private credit
Security
First-ranking mortgages
Structure
Managed investment scheme
Oversight
Monitoring and reporting
Portfolio
Where investor capital is deployed
- Landholding and land-bank facilities secured against vacant or pre-development sites
- Selective residential development loans with documented security and an identified exit
- Selective commercial development loans across income or value-add real estate
- Completed-stock and residual-inventory facilities where an orderly sale can repay the loan
Eligibility
Who this is for
- Wholesale and sophisticated investors seeking property-backed income rather than direct asset ownership
- Family offices, SMSFs (where permitted) and private clients allocating to Australian private credit
- Investors who prefer senior-secured exposure with defined loan terms and leverage limits
- Participants prepared to complete eligibility checks, due diligence and transaction-specific documents
Underwriting
What we underwrite before capital is committed
- Borrower and sponsor quality, experience and capacity to support the facility through to exit
- Independent valuation, title, planning status and the priority of proposed mortgage security
- Loan-to-value, interest and fee structure, covenants and monitoring rights
- Serviceability or capitalised-interest capacity where the security is not yet income-producing
- A realistic refinance, presale, lease-up or asset-sale pathway with supporting evidence
- Legal documentation that records income, security, default rights and reporting obligations
Investment process
Step 1
Investor understanding and eligibility
We confirm wholesale status, investment objectives and the information needed to assess suitability.
Step 2
Opportunity review and presentation
Selected facilities are presented with security, pricing, term, leverage and the intended exit.
Step 3
Due diligence and underwriting
Valuation, legal and credit work is completed on the borrower, the security and the transaction structure.
Step 4
Participation confirmation and application
Eligible investors confirm allocation and complete the application and know-your-client requirements.
Step 5
Documentation, capital transfer and settlement
Scheme and security documents are executed, funds are transferred and the mortgage is registered.
Step 6
Active monitoring and investor reporting
Covenants, interest and the exit plan are monitored, with reporting through the life of the facility.
Fund structure
A structure built on clarity
Direct lender-to-borrower execution through a purpose-built fund structure.
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VERITAS HORIZON
Fund Manager / Arranger
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Fund
Managed investment scheme
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Borrowers
Loans provided
Other services
View allServices
Borrower Solutions
Clear, structured and property-backed private credit for borrowers and funding partners, underwritten transaction by transaction in Australia.
Services
Landholding & Land-Bank Funding
Senior-secured funding for landholders who need time to plan, rezone, consolidate or wait for a development approval — without forcing a sale of the site.
Services
Residential Development Loans
Selective senior debt for residential projects that can be underwritten on feasibility, security and a documented path from construction to sale or refinance.
Services
Commercial Development Loans
Selective senior debt for commercial real estate where income, value-add or a documented lease-up can support a first-mortgage facility through to refinance or sale.
Services
Residual Stock Funding
Senior-secured funding against completed but unsold stock, so a construction facility can be repaid without forcing a discounted clearance.
Eligibility
Discuss this facility
Participation is subject to investor eligibility, completion of due diligence, applicable regulatory and tax considerations, and transaction-specific legal documentation.
Contact us