Retail Private Credit Done Differently

Structured for Transparency

The Woodbridge Secured Income Fund

The Fund provides investors with indirect exposure to 1st mortgage (senior secured) Australian and New Zealand real estate loans – with a responsible investment and ESG integrated investment process and philosophy.

All loans in the fund have a valuation prepared by an independent, qualified, and registered valuer, ensuring adherence to industry best practices for lender reliance.

The Fund invests in the Woodbridge Private Credit Fund (Underlying-Fund) managed by Woodbridge Capital. The Fund does not invest in high-risk loans such as 2nd mortgage loans, mezzanine finance, preferred equity loans or corporate loans.

Market dynamics and regulatory changes have seen banks materially reduce their exposure to real estate financing, creating an opportunity in the lending market. In America and Europe, this trend has largely played out with the banks’ share of the lending market reduced to 40–50%.

Our view is trend will continue to play out in Australia, 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.    

The Fund is uniquely structured for transparency - 1st mortgage loans only, non-blended portfolio, external loan valuations and robust external governance and investor oversight.


External Fund Trustee


External Fund Custodian


External Fund Administrator


External Loan Administrator


External Loan Valuations


ONLINE APPLICATION FORM

Fund Snapshot


RBA Cash Rate Plus 5% to 7% p.a. Currently 9.75% p.a. net of fees *

Target Return


Maximum 65% Weighted Average. Currently 62% LVR *

Target LVR


Distributions

Monthly


Withdrawals

Monthly


Minimum Investment

$10,000


Management Fee

0.76%


Fund Leverage

No


Related Party Loans

No



Product Disclosure Statement


Target Market Determination


Our Funds Are Different

Structured for Transparency - The Fund is purpose-built for transparency, with a single loan-type, non-blended portfolios, and independent oversight ensuring clear, visible risk exposure.

Structured for Fixed Income - The Fund is designed for fixed income portfolios - offering capital preservation, monthly income, stable returns and 1st mortgage security on real assets.

Structured for Capital Preservation - The Fund is structured for capital preservation, investing in first mortgage loans, conservative LVRs, strong security, and rigorous risk controls.

Structured for Responsible Investment - The Fund is proudly RIAA Certified, meeting the Responsible Investment Association Australasia’s strict standards for ethical, responsible, and sustainable investment practices across all fund operations and strategies.

External Fund Trustee - The Fund is overseen by an independent external trustee, whose role is to act in the best interests of investors at all times. The trustee provides a critical layer of governance - ensuring the Fund complies with its stated objectives.

External Fund Custodian - All assets of the Fund are held by an external custodian, ensuring that investor capital is securely managed. The custodian is responsible for safeguarding fund assets and providing control and transparency.

External Fund Administration - The Fund has an external administrator to ensure independent unit pricing, accurate reporting and transparent fund operations,

External Loan Administration - The loan portfolio is externally managed by Alter Domus, one of the world’s largest fund administrators, ensuring independent oversight and transparency.

External Loan Valuations - All loans in the portfolio have a valuation prepared by an independent, qualified, and registered valuer, ensuring adherence to industry best practices for lender reliance.

Fund Performance


Net Return

1 Month

0.79%

3 Month

2.35%

6 Month

4.71%

1 Year

9.75%

Inception

9.75%



* Net return is based on the last 12 months. Fund performance is in AUD & is annualised calculated based on net asset value per unit after management fees and expenses.

Externally Certified. Responsible Investment.

The Fund has been certified by the Responsible Investment Association Australasia (RIAA).

The Fund is proudly certified by the Responsible Investment Association Australasia (RIAA), reflecting our commitment to responsible, ethical, and transparent investment practices.

This certification is an important industry benchmark that signals to investors that our Fund meets rigorous environmental, social, governance (ESG) and disclosure standards. In a largely unregulated private credit market, RIAA certification provides a layer of assurance that our investment processes, lending decisions, and portfolio oversight align with broader sustainability and accountability principles.

It’s not just about strong financial returns — it’s about doing so with integrity and long-term responsibility.

RIAA’s Certification Program is the leading initiative for distinguishing quality responsible, ethical and impact investment products and services in Australia and Aotearoa New Zealand and is the longest running responsible investment program in the world.

Externally Researched. Superior Rating.

The Fund has been awarded a ‘Superior Rating’ and ‘High Investment Grade’ by SQM Research.

“In SQM Research's view, the Fund has an appreciable potential to outperform over the medium-to-long term. Historical performance has tended to be meaningful. PDS compliance processes are strong. There are very little to no material governance concerns. Management is of a high calibre”.

SQM Research is one of Australia’s leading independent research houses, with deep expertise in assessing private credit and alternative investment funds. Their reviews are comprehensive, covering performance, governance, risk management, and compliance — making their ratings a trusted benchmark for advisers and investors seeking quality and transparency in the private credit space.

The Fund has been awarded ‘Investment Grade’ by Lonsec Research.

“In Lonsec’s view, the investment process appears well-structured and bolstered by reasonable governance. Lonsec has conviction the product can meet its investment objectives”.

Lonsec is one of Australia’s most respected investment research and ratings houses, providing independent analysis across managed funds, ETFs, SMAs, equities, and superannuation products. Established in 1994, Lonsec supports financial advisers, fund managers, and institutional investors through its detailed qualitative and quantitative assessments. Its research process evaluates investment performance, risk management, governance, fees, transparency, and sustainability.

The Fund is available on leading Australian retail investment platforms, including BT Panorama, Netwealth, HUB24 and Mason Stevens. This broad platform access reflects the Fund’s institutional-grade quality, strong governance framework, and growing reputation among the nation’s most respected wealth advisers and dealer groups.

The Fund is also approved for investment through superannuation accounts via platform super menus.

This approval reflects an additional layer of endorsement, as platform providers apply heightened due diligence for superannuation investments - underscoring the Fund’s strong governance, institutional-grade structure, and regulatory compliance.

Externally Approved. Investment Platforms.

Learning and Insights


Get in touch.

Damian Casey

Head of Distribution

damian.casey@woodbridgecapital.com.au

(0439) 981 645

Andrew Torrington

Co-Founder and Managing Director

andrew.torrington@woodbridgecapital.com.au

1300 167 790


Disclaimer
Net return is based on the last 12 months. Average Loan to Value Ratio (LVR) has been calculated on a current weighted basis on the loans in the Fund. Fund performance is in AUD and is annualised calculated based on net asset value per unit after management fees and expenses 4 Inception date is 18 April 2024. Equity Trustees Limited (“Equity Trustees”) (ABN 46 004 031 298), AFSL 240975, is the Responsible Entity for the Woodbridge Secured Income Fund (the Fund). Equity Trustees is a subsidiary of EQT Holdings Limited ABN 22 607 797 615, a publicly listed company on the Australian Securities Exchange (ASX: EQT). The Investment Manager for the Fund is Woodbridge Capital Pty Ltd (Woodbridge) ABN 82 656 985 572 | Authorised Representative (No. 1296363) of Woodbridge Funds Management Pty Limited AFSL No. 550122. This report has been prepared by Woodbridge to provide you with general information only. In preparing this report, Woodbridge did not take into account the investment objectives, financial situation or particular needs of any particular person. It is not intended to take the place of professional advice and you should not take action on specific issues in reliance on this information. Neither Woodbridge, Equity Trustees nor any of its related parties, their employees or directors, provide and warranty of accuracy or reliability in relation to such information or accepts any liability to any person who relies on it. Past performance should not be taken as an indicator of future performance. You should obtain a copy of the Information Memorandum before making a decision about whether to invest in this product. The Lonsec rating published on Apr-2025 for (ETL1291AU Woodbridge Secured Income Fund) is issued by Lonsec Research Pty Ltd ABN 11 151 658 561 AFSL 421 445 (Lonsec Research). Ratings are general advice only and have been prepared without taking account of investors’ objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and Lonsec Research assumes no obligation to update. Lonsec Research uses objective criteria and receives a fee from the Fund Manager. Visit lonsec.com.au for ratings information and to access the full report. © 2025 Lonsec. All rights reserved. The SQM rating contained in this document is issued by SQM Research Pty Ltd ABN 93 122 592 036 AFSL 421913. SQM Research is an investment research firm that undertakes research on investment products exclusively for its wholesale clients, utilising a proprietary review and star rating system. The SQM Research star rating system is of a general nature and does not take into account the particular circumstances or needs of any specific person. The rating may be subject to change at any time. Only licensed financial advisers may use the SQM Research star rating system in determining whether an investment is appropriate to a person’s particular circumstances or needs. You should read the product disclosure statement and consult a licensed financial adviser before making an investment decision in relation to this investment product. SQM Research receives a fee from the Fund Manager for the research and rating of the managed investment scheme. Please click
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