Australian property backed investments
Thinktank offers sophisticated and wholesale investors direct access to a property-backed, income producing asset class.
Reliably consistent
Unbroken record of timely payments to investors
Consistently reliable
Passive, property-backed monthly income
Uncommon expertise
Deep through-the-cycle experience
About us
Founded in 2006, Thinktank is one of Australia's leading non-bank property lenders, with over $21.3 billion in residential and commercial loans funded. Through Thinktank Asset Management, established in 2017, we aim to deliver property-backed income solutions that provide regular, reliable income streams for sophisticated and wholesale investors - including individuals, professionals, and families.
With 20 years of lending experience and with over $10.5 billion in assets under management, we leverage our scale and disciplined approach to manage risk and enhance returns. Our founders and executive team bring deep banking and property knowledge, with a proven track record of performance across economic and credit cycles.
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Thinktank staff
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Lending experience
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Loans funded
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Assets under managementInvestment products
Income Fund
1 Month Class Current Variable Rate (after fees, p.a.)6.70%
Provides access to a diversified portfolio of predominately senior residential and commercial property-backed loans, independently valued and designed to deliver regular monthly income that is backed by the loans. Overseen by conservative credit selection and active management.
- $10,000 minimum investment
- Variable interest paid monthly
- First-mortgage loans
- Monthly withdrawal notice period
Income Fund
3 Month Class Current Variable Rate (after fees, p.a.)7.20%
Provides access to a diversified portfolio of predominately senior residential and commercial property-backed loans, independently valued and designed to deliver regular monthly income that is backed by the loans. Overseen by conservative credit selection and active management.
- $10,000 minimum investment
- Variable interest paid monthly
- First-mortgage loans
- Quarterly withdrawal notice period
Income Fund
6 Month Class Current Variable Rate (after fees, p.a.)7.70%
Provides access to a diversified portfolio of predominately senior residential and commercial property-backed loans, independently valued and designed to deliver regular monthly income that is backed by the loans. Overseen by conservative credit selection and active management.
- $10,000 minimum investment
- Variable interest paid monthly
- First-mortgage loans
- Semi-annual withdrawal notice period
High Yield Trust
Established 2017 Target Return (after fees, p.a.)9.57%
Invests in subordinated mortgage-backed credit investments supported by diversified portfolios of Australian residential and commercial property loans. The strategy seeks to generate enhanced income through exposure to the higher-yielding portion of the capital structure.
- $10,000 minimum investment
- Variable interest paid monthly
- First-mortgage loans
- 12-month minimum investment period
The current Income Fund Variable Rate is determined based on the Benchmark Rate (RBA Cash Rate) and the annualised margin of return for each Class of Units. The Current Variable Rate is reviewed and determined monthly (on the 1st business day) and may increase or decrease each month. The rate of return is not guaranteed and past performance is not a reliable indicator of future performance. The Rate is quoted after fees and costs. For further information, see the Information Memorandum dated 22 October 2026.
The current High Yield Trust Target Return is determined based on the Benchmark Rate (BBSW30) and the annualised bond margin. The Target Return Rate is reviewed and determined monthly (on the 10th business day) and may increase or decrease each month. The rate of return is not guaranteed and past performance is not a reliable indicator of future performance. The Rate is quoted after fees and costs. For further information, see the Information Memorandum dated 8 September 2025.
Investment involves risk. Returns, distributions and repayment of capital are not guaranteed. Private credit investments may be affected by borrower defaults, changes in property values, valuation uncertainty and liquidity constraints. Withdrawals are subject to the relevant fund documents, notice periods, available liquidity and any applicable deferral or suspension rights.
Income Trust
For existing Wholesale investors seeking access to Income Investments in a Bond security structure.
Our investment approach
Thinktank Asset Management applies a disciplined, origination‑led approach to property‑secured credit investing, grounded in two decades of lending experience.
We focus on first‑mortgage loans, conservative credit selection and diversified portfolio construction. Portfolios are built loan‑by‑loan, with full transparency into borrower quality, asset security and transaction structure. Capital preservation sits at the core of our philosophy. While this does not mean that our products or offerings are capital guaranteed, it reflects our through-the cycle mindset focused on delivering reliable, risk‑adjusted income outcomes.
How we generate returns
Returns are generated primarily through contractual interest income from first‑mortgage, property backed loans. Our origination platform provides direct access to loan opportunities, enabling disciplined pricing, careful structuring and selectivity across market conditions.
By prioritising cash‑flow generation over capital appreciation and avoiding elevated risk‑taking, we aim to deliver consistent income rather than opportunistic or cyclical returns.
Risk management & governance
Risk management is embedded at every stage of the investment process and supported by clear governance and accountability.
We operate within a structured governance framework, with defined decision‑making authorities and active management of conflicts of interest. Credit risk is controlled through conservative underwriting, ongoing portfolio monitoring and disciplined diversification. Valuation and liquidity practices are designed to be prudent and transparent, with regular reporting provided to investors.
We believe strong governance, alignment and transparency fundamental to managing investor capital and the aim to deliver consistent outcomes over time.
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View FAQs^The 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.
Forms and Resources
For forms relating to the Income Trust or High Yield Trust, contact [email protected]