The Fund is an open-ended, unregistered, unit trust.

The Fund provides investors with direct and indirect exposure to 1st mortgage (senior secured) Australian and New Zealand real estate loans– with an ESG integrated investment process and philosophy. All loans in the portfolio have a valuation prepared by an independent, qualified and registered valuer.

The Fund does not provide exposure to high-risk loans such as preferred equity loans, mezzanine finance, 2nd mortgage loans or corporate loans.

The Australian and New Zealand private credit market is worth an estimated $500 billion of which banks currently have a 90% market share. Private credit (sometimes called non-bank lending or private debt) is the provision of loans by private / alternative lenders (i.e., loans provided by lenders other than banks).

Market dynamics and regulatory changes have seen Australian and New Zealand banks materially reduce their exposure to real estate financing, creating an opportunity in the lending market. This opportunity stems from a lack of competition, resulting in increased returns for the provision of 1st mortgage (senior secured) debt while risk remains manageable due to the strong structural demand for property and moderate loan leverage.

In America and Europe, this trend has largely played out with the banks’ share of the lending market reduced to 40-50%. It is our view that this trend will continue to play out in Australia and New Zealand, expanding the market for existing and new participants.

This has left a void in the market - a dislocation - and represents a unique opportunity for investors to participate in private credit.

Woodbridge’s investment strategy is to take advantage of this dislocation and provide investors with direct and indirect exposure to 1st mortgage (senior secured) Australian and NEA Zealand real estate loans - with an ESG integrated investment process and philosophy.

Asset backed real estate loans across office, industrial, land, hotel, retail, apartments, townhouse, land subdivision and mixed use.

Concentration limits apply.

$25,000 Minimum initial investment

$25,000 Minimum additional investment

$25,000 Minimum investment balance

$25,000 Minimum withdrawal amount

Monthly

Quarterly with monthly best endeavours

Management Fee of 0.50% per annum.

There are no performance fees.

Only Wholesale Clients can apply for Units in the Fund pursuant to the IM. In Australia a Wholesale Client means a person or entity defined as such under section 761G and section 761GA of the Corporations Act 2001, or in the case of New Zealand, means a person who is a wholesale investor as defined by the Financial Markets Conduct Act 2013 (NZ) (Wholesale Client).

The potential benefits associated with investing in the Fund include:

• Attractive risk-adjusted returns

• Stable monthly income

• Low volatility

• Potential hedge against inflation

• Experienced investment team

• No exposure to high-risk loans

• Low management fee

• Low minimum investment

All investments are subject to risk. The significant risks associated with the Fund are described in the IM. Before investing in the Fund, you should carefully consider the risks associated and obtain professional financial advice on whether an investment in the Fund is suitable for your investment objectives, financial situation and needs.