The Lark Mortgage Income Fund focusses on generating consistent returns from real property based loans secured by first ranking registered mortgages over a mix of real property investments in Australia’s capital cities and leading regional centres.

The Fund targets monthly interest in excess of 7% pa net of all fees and expenses, based on a minimum 12 months investment term. 

The Fund can also allocate to second mortgages and other liquid investments but the amount is capped at no more than 20% of the fund’s assets.

The directors and shareholders of Lark Funds Management are significant investors in the Fund.

Opportunities in Private Debt

For Investors the opportunity to earn meaningful income paid monthly from a real estate backed loan is better than ever.

As major banks focus on lending to people for home loans they are retreating from the non housing lending market, which is a significant opportunity for private lenders and investors.

For borrowers the flexibility and experience they have in the private debt market outweighs the premium they pay in funding costs as it allows them to complete the transaction quicker and recycle their investment capital.

Lark Funds Management is a very experienced lending and investment team and understands the need to use capital effectively.

Lark carefully manages the risk of each loan so investors benefit from that experience and receive regular returns on their investments.

Our investment philosophy & process

Income

The philosophy of the Fund is to generate income from primarily first mortgage loans to investors. A risk adjusted return of 7% p.a or more in the low interest rate environment is considered achievable. The income will be net of fees and distributed monthly.

Investment

The Fund is viewed by its investors and potential investors as a vehicle to gain access to loans they typically can’t access but have visibility over the underlying portfolio. Lending books can be nuanced and the experienced team at Lark will constantly be alert to shifts in market sentiment, economic imperatives and borrower strength with a view to maintaining a secure loan book generating returns to investors. Originating loans is a skill that is learned from market participation, experience and contacts. Being able to say no is important but saying yes more so. Therefore, having strong links and operating in the sector is key to investor confidence and by extension security of income and capital.

Investing

The Lark Mortgage Income Fund (the Fund) focusses on generating regular returns from primarily real property-based loans secured by first ranking registered mortgages over a mix of real property investments in capital cities and leading regional centres.  

Investing through the Lark Mortgage Income Fund targets monthly interest in excess of 7% p.a net of all fees and expenses, based on a minimum 12-month investment term.

The directors and shareholders of the Investment Manager are significant investors in the Fund.