Dear Investors,

With this Offer, Hamilton-Chase aims to present Investors with a unique way to invest in Australian real property and mortgages over Australian real property.

It allows access to exposure to specific property investments that can be selected by you. Each underlying property investment will be kept separate from other assets of the Fund in a separate Sub-Trust established by the Trustee for that specific investment and offered to investors by a Supplementary disclosure document.

Investors have the opportunity to invest smaller amounts in specific property investments by acquiring units in a Sub-Trust. Investors will have the right to invest directly in the specific Sub-Trust through subscription for Investment Specific Units in the Investment Specific Trust.

The Fund Manager and Trustee will also offer Investors the opportunity to invest in Debt Sub-Trusts that will lend to special purpose asset-owning entities. A target rate of interest to be paid to investors will be set out in the supplementary product disclosure statement (SPDS) relating to the Debt Sub-Trust.

Importantly, Investors will not be required to invest into any particular Sub-Trust, but will have the option to do so if, and to the extent they wish, on and subject to the terms and conditions governing the Sub-Trust. Investors may elect to subscribe for units in any one or more Sub-Trusts.

Similar to any investment, an investment in the Fund carries a number of risks including:

Liquidity – Investments in a Sub-Trust must be held until the Sub-Trust is terminated, usually when the property has been redeveloped or rezoned. Equity Sub-Trusts will generally have a term of three years, and Debt Sub-Trusts a term of five years, unless the Unit Holders resolve to extend the term of the Sub-Trust. Subject to the Trustee’s discretion, it may choose to make a Withdrawal Offer to Unit Holders to allow those who have held Units for longer than 12 months to redeem their interests in the Sub-Trust. However, the Trustee is under no obligation to do so.

Property and market risk – The value of an investment in an Equity Sub-Trust will go up and down in accordance with the fluctuating value of the underlying property which may be influenced by external market forces. In addition, although the Fund Manager has extensive experience in property investment, the Fund is newly established so there is limited history upon which investors can evaluate the likely performance of the Fund.

Construction and development risk The value of construction or development costs can exceed budgeted costs and the borrower may be unable to complete the project unless the borrower can obtain further funds and a change in market conditions could result in the project’s value on completion being worth less than anticipated, or in lower sale rates and prices than expected.

Borrowing Investors in Debt Sub-Trusts will have exposure to the risk of default by the special purpose asset-owning entity. Investors’ rights as Unit Holders will be ranked below the secured lender. Unit Holders in a Debt Sub-Trust may have their returns impacted by default, interest rate and refinancing risk.


Yours faithfully,

Paul Huggins
Managing Director
Hamilton-Chase Pty Ltd



Securing membership of the Scheme and investment of your funds is completed in two stages:


Application and Registration

To invest with HAMILTON CHASE we ask that you read the current Product Disclosure Statement then complete the relevant Application Form for the entity type (which should accompany the Product Disclosure Statement) and return it to us with your funds.

Alternatively, you can speak with one of HAMILTON CHASE’s team members on 03 9886 8116, or email

Upon receipt of the Application Form and your funds, your funds will be held in the Trust Account with the Bank pending Stage Two.


Investment in a Sub Scheme Option

Upon completion of Stage One, and subject to availability, HAMILTON CHASE will offer you a Sub Scheme or multiple Sub Schemes in which to invest. HAMILTON CHASE will forward you a Supplementary Product Disclosure Statement (SPDS) with a consent form detailing the information of one or more Sub Schemes. One SPDS will only relate to one Sub Scheme.

The Consent Form(s) must be returned to HAMILTON CHASE within five working days from the date of receipt. Upon receipt of the Consent Form(s), your funds will be allocated to your nominated Sub Scheme(s) and at that time, you will start to earn the interest rate applicable to that Sub Scheme(s).


Key Facts

  • Minimum investment amount
    $50,000 or a smaller sum at the discretion of HAMILTON CHASE and in multiples of $10,000 thereafter.
  • Maximum investment amount
    Unlimited but at the discretion of HAMILTON CHASE.
  • Fees or charges
    NO FEES are charged by HAMILTON CHASE to Members. All fees are paid by the Borrowers.
  • Term of investment
    Typically between one and three years unless otherwise disclosed in the Supplementary Product Disclosure Statement.
  • How is the interest paid?
    Interest is paid monthly in arrears, unless otherwise disclosed in the Supplementary Product Disclosure Statement. Interest is paid to your nominated bank account or as directed.
  • Option to Renew investment in existing Sub Scheme
    Your consent will be required if a Borrower has requested a Renewal of the term of the Sub Scheme, should you wish to continue with the investment of your funds in that Sub Scheme.
  • Who can apply to invest?
    Any person including individuals or other entities may invest in the Scheme.
  • 30 years experience
    HAMILTON CHASE has 30 years experience in contributory mortgage investment and currently manages investment funds for both retail and wholesale investors.


Investments FAQ

The Scheme known as HAMILTON CHASE Mortgage Income Investments offers investment in Loans, which are secured by first registered Mortgages over legal interests in real property in Australia. Each Loan approved by HAMILTON CHASE is known as a Sub Scheme and is separate from other Sub Schemes.

The mortgages are registered in the name of HAMILTON CHASE being the mortgagee or lender. Each Member contributes their funds to one or more Sub Schemes. Retail Members approve the security for their investment after receiving the specific details of a particular Loan, in a Supplementary Product Disclosure Statement.

As the Scheme is not a "pooled fund", your entitlement to income or capital is based only on your investment in a specific Sub Scheme and you have no right to the income or capital of other Sub Schemes. Upon receipt of a Consent Form and allocation of your funds to a Sub Scheme, there is no cooling off period and you have no right to withdraw from a Sub Scheme at this stage.

HAMILTON CHASE requires Borrowers to provide HAMILTON CHASE with the following information to assess the suitability of the proposed loan:

  • details of current assets and liabilities and other relevant financial information;
  • where a loan is for construction or development purposes, details of costs involved and pre-sales obtained as well as any building contracts;
  • copies of contracts of sale;
  • identification check.

All of this information is then provided to HAMILTON CHASE’s Credit Committee who assess this information having regard to the suitability of the Borrower and quality of the security property. A majority of the Credit Committee must agree to approve the Loan.

HAMILTON CHASE must maintain adequate compensation arrangements at all times in accordance with its Licence requirements. To meet these requirements, HAMILTON CHASE has in place a professional indemnity insurance policy, which covers all of HAMILTON CHASE’s employees, officers, directors and Authorised Representatives. This policy provides cover of up to $10 million.

Further, HAMILTON CHASE requires adequate professional indemnity policies to be in place for all of its external service providers (such as Valuers, Quantity Surveyors, Real Estate Agents and Interstate Solicitors) before they can be officially appointed to HAMILTON CHASE’s Panel.

The significant benefits of investment in the Scheme can be described as follows:

  • With 30 years experience in Mortgage lending and investment, your funds are managed by professionals with extensive expertise in this area.
  • HAMILTON CHASE assesses each Borrower and each Loan to ensure that the Loan is suitable to be included in the Scheme.
  • You will receive a competitive rate of return on a regular basis (usually monthly). You may elect to reinvest your interest if you wish.
  • As the Scheme is not a “pooled fund”, you have the opportunity to choose the Sub Scheme in which you invest allowing you to exercise control in your investment decision. You may become accustomed to particular types of Sub Scheme Property or Loans or you may wish to spread your funds across a number of Sub Schemes.
  • You may invest in the Scheme with a minimum investment amount of $50,000 and in multiples of $10,000 thereafter.

HAMILTON CHASE obtains an independent valuation from one of its Panel Valuers (all of HAMILTON CHASE’s Panel Valuers are required to provide HAMILTON CHASE with a copy of their professional indemnity insurance policy, and company profile before they can be appointed) before lending on a Sub Scheme Property. The valuation must not be more than three months old. If the valuation is more than three months old, a new valuation of the Sub Scheme Property is obtained before an advance is made to a Borrower.

An independent valuation is used to calculate the loan to value ratio (LVR) and HAMILTON CHASE will lend to a maximum LVR of the Sub Scheme Property of –

6.5% for1 year
7.0% for 2 years
7.5% for 3 years

Where a loan is for construction or development purposes, HAMILTON CHASE can at its discretion accept a Quantity Surveyor’s or Engineer's report instead of a valuation report during the term of the construction or development. All of HAMILTON CHASE’s Quantity Surveyors and Engineers are also required to provide HAMILTON CHASE with details of their professional indemnity insurance and company profile.

Confirming receipt of your funds for investment.

Supplementary Product Disclosure Statement (SPDS) and Consent Form
Providing details of the Sub Scheme offered to you, along with the Consent Form which must be completed and returned to HAMILTON CHASE within 5 working days from the date of receipt for allocation to the Sub Scheme.

The SPDS will contain information such as:

(a) Details of the Borrower;
(b) The amount of the Loan advance to be advanced to the Borrower;
(c) The Commencement Date of the Sub Scheme;
(d) The Due Date of the Sub Scheme;
(e) The Lower and Higher Rate of interest payable;
(f) How interest will be calculated;
(g) When interest will be paid;
(h) Details of the Sub Scheme Property;
(i) The name of the valuer, the value of Sub Scheme Property, the relevant date and the basis of the valuation;
(j) The applicable LVR;
(k) The Type of Sub Scheme Property;
(l) Insurance particulars for the Sub Scheme Property (if applicable);
(m) Statement regarding the Borrower’s creditworthiness;
(n) Reference to the Loan documents executed by the Borrower;
(o) Fees charged to the Borrower.

The SPDS may contain other information that is relevant to a Sub Scheme.

Declaration of Trust
Confirmation that HAMILTON CHASE stands possessed of your funds along with the Mortgage documents specific to your nominated Sub Scheme on trust for you.

Interest Statement
This will be forwarded to you whenever interest is distributed to you. You may request a statement for any other period.

Annual Tax Statement
HAMILTON CHASE will provide a statement to you showing the amount of interest received during the relevant financial year.

Investment Summary
Upon request, HAMILTON CHASE will prepare a list of Sub Schemes where your funds are invested.

Notification of Default
If there is an event of default by a Borrower, you will be informed in writing of the default and the steps that HAMILTON CHASE is undertaking to rectify the default.

Interest Rate Change Advice
You will be advised within 7 working days of a change to the variable interest rate.

Members Newsletter
Made available on our website on a quarterly basis. A hard copy is available on request.


HAMILTON CHASE lends on a first mortgage basis, against real property in Australia.

The advantages of borrowing with HAMILTON CHASE are:

  • Fast response to loan applications;
  • Interest usually paid either quarterly or monthly in arrears;
  • Funds available for urgent settlements;
  • Funds available for construction finance.

At HAMILTON CHASE we look at the whole picture when it comes to borrowing. HAMILTON CHASE establishes strong relationships with its Borrowers, working closely with them on construction projects, and generally maintains close communication with all of its Borrowers throughout the term of the loan. Many of HAMILTON CHASE’s Borrowers are repeat Borrowers who appreciate this level of service.


Key Facts

  • What is the interest rate?
    Please contact us to obtain the current interest rate.
  • Maximum term
    Generally, the minimum term for a loan is 1 year with a maximum term of 3 years.
  • Are repayments and/or reduction options available?
    Yes. Please speak to us about these options.
  • Can I borrow funds for a construction project?
    Yes. When borrowing for a construction project HAMILTON CHASE will lend on a cost to complete basis where appropriate. There may also be a requirement for pre-sales to be in place.
  • Can I renew my loan for a further term?
    Renewal options are available where all obligations have been met during the period of the initial loan and the value of the security property continues to satisfy HAMILTON CHASE’s LVR requirements.
  • How much can I borrow?
    HAMILTON CHASE currently lends up to 66.66% (known as the Loan to Value Ratio or “LVR”) of a sworn valuation of real property, however lesser LVR’s will apply for certain categories of property.
  • Who do I contact for more information?
    For more information about HAMILTON CHASE, please contact us on 03 9886 8116 or email
  • What fees are payable?
    HAMILTON CHASE’s standard fees include:
    1. Up to 1.5% (plus GST) procuration fee on the amount drawn down;
    2. Standard legal fees for preparation of security documents;
    3. Collection charges (please request up to date information) on the amount of interest payable each quarter (unless otherwise disclosed in the SPDS);
    4. Valuation fees, which are set by our Panel Valuers; and
    5. Any other fees applicable such as early repayment fees, discharge fees or enforcement costs.

These fees may be amended from time to time with the above being a guide only.


Download the Loan Application Form and return to HAMILTON CHASE along with all required supporting documentation. We will be in touch to discuss your requirements further. Please note that HAMILTON CHASE will be unable to process your application until all details requested have been provided. By completing the form in full in the first instance, we will be in a position to advise you of the outcome of your application sooner.


Information for Borrowers