Sydney Metro Fund was developed with a specific investor in mind: a self-directed wholesale investor seeking predictable income, backed by real property, and managed by people who have been doing this for decades.
We have quality borrowers ready. What we are looking for is the right investors to grow with us.
If you recognised yourself above, the next step is straightforward.
Download the Information MemorandumThe fund is not a product for everyone. It was structured to serve a specific type of investor with specific goals. The more closely you match these characteristics, the better placed you are to benefit from this fund.
Eligible under Section 761G of the Corporations Act 2001 (Cth). This includes investors certified under the net assets test, gross income test, AFSL holders, or qualifying entities. The fund is not available to retail investors.
You manage your own investment decisions. Whether through an SMSF, as a self-funded retiree, or as a business owner deploying surplus capital, you are comfortable making considered investment decisions independently or with adviser support.
The fund's minimum investment is $200,000. This threshold reflects the wholesale nature of the fund and ensures the portfolio benefits from meaningful capital depth. The full terms are available in the Information Memorandum.
You are not chasing capital growth or speculative gains. You want predictable, income-generating returns, similar in structure to a fixed-interest product, but with the higher yields that private credit makes possible.
Term deposits and retail fixed-interest products offer convenience but modest returns. Private credit, secured by real property and managed with discipline, targets meaningfully higher yields. The average return is 9.5% per annum for the past two financial years.
Private credit is an illiquid asset class. Your capital is deployed into secured loans rather than listed markets. In exchange for that commitment, the fund targets returns that reflect the illiquidity premium and the security of real property collateral.
If you recognise yourself in most of these characteristics, the Information Memorandum will tell you everything you need to know to make an informed decision.
Institutional investors have allocated to private credit for decades. Wholesale investors in Australia now have direct access through the fund. Here is why this allocation makes sense in the current environment.
The fund has never struggled to find quality borrowers. Frank Vrachas and the team have been building lending relationships across the Sydney metropolitan market for over four decades. The fund's current pipeline consistently exceeds available capital.
Every borrower is assessed on conservative lending criteria. Loans are only advanced where adequate security is in place and the loan-to-value ratio meets the fund's internal guidelines. The full lending criteria and LVR policy are documented in the Information Memorandum.
This borrower pool advantage is what makes the fund's returns sustainable. Investors are not exposed to credit risk from low-quality or distressed borrowers. The lending book is disciplined, diversified, and established.
The fund consistently has more quality borrower opportunities than available investor capital. New investor capital can typically be deployed into the loan book promptly. Specific portfolio data is available in the Information Memorandum.
SMSFs can invest in managed funds, including private credit funds. For trustees in the income phase, or those building toward it, the fund's quarterly distributions and secured capital structure may align well with SMSF investment objectives.
SMSF members in the pension phase require regular income to fund minimum pension payments. The fund's quarterly distributions provide a regular, predictable income stream that may align with pension drawdown schedules. Speak to your SMSF adviser about suitability.
SMSF trustees carry an obligation to invest prudently. The fund's registered security is a tangible form of capital protection that trustees may find meets their risk management obligations. Your SMSF specialist can advise on this.
Most SMSFs already carry significant exposure to Australian equities and listed property. Private credit secured by real property moves independently of ASX market performance, providing genuine asset class diversification within the fund's overall investment strategy.
For SMSF members still accumulating, the fund's target return of RBA Cash Rate plus 6.25% per annum may provide meaningfully higher yields than term deposits or bond funds. The risk profile is different: the Information Memorandum covers this in full.
Before investing, we urge every SMSF trustee to seek independent advice from a qualified SMSF specialist, financial adviser and taxation adviser. The fund's Information Memorandum sets out the investment terms, risks and strategy in full.
A track record is only meaningful if it has been tested. The fund has operated through multiple interest rate cycles, a global pandemic, and significant property market volatility. These numbers stand through all of it.
Choose the path that suits where you are right now. There is no obligation until you sign an application. Everything before that is information and conversation.
The IM sets out the fund's full investment strategy, loan criteria, fee structure, risk factors, historical performance and legal terms. Read it at your own pace. No call required before downloading.
⇓ Download NowThe Information Memorandum is provided to qualifying wholesale investors. By downloading it, you confirm you are a wholesale investor as defined under the Corporations Act 2001 (Cth).
Ready to proceed? Complete the investor application online. The team reviews every application personally and will be in touch within one business day to walk you through the next steps.
Apply Now →A completed wholesale investor declaration and accountant certificate (where applicable) will be required before your application can be processed. The team can assist with this.
Not ready to download or apply yet? That is completely fine. Book a free 30-minute call with the team. Ask anything. No preparation required. No obligation whatsoever.
Book a Call →Conversations are held with the management team directly. There is no call centre, no script and no sales pressure. Just a straightforward conversation about whether the fund suits your situation.
The team at Sydney Metro Fund urges every prospective investor to seek independent financial and taxation advice from a qualified adviser before committing to any investment in the fund.
The Information Memorandum sets out the fund's strategy, loan criteria, risk factors, fee structure and legal terms in full. No investment decision should be made without reading the IM in its entirety.
Target returns are not guaranteed. Past performance is not a reliable indicator of future performance. The minimum investment is $200,000. The fund is available to wholesale investors only as defined under the Corporations Act 2001 (Cth).
The only constraint on the fund's growth right now is investor capital. If you are a qualifying wholesale investor seeking consistent, secured income, the team would like to hear from you. There is no obligation. There is no pressure. Just an honest conversation.