At La Trobe Financial, we believe strong portfolios are built – not just assembled. That belief is central to our investment philosophy and underpins the performance of every strategy we manage.
With $21 billion in assets under management and more than 120,000 investors^, we’ve earned our reputation as a leader in retirement-focused income solutions. Our portfolios are designed to deliver durable income, low volatility, and capital preservation – especially through periods of market stress.
So, what drives this performance?
It starts with quality assets.
Our flagship 12 Month Term Account is a prime example. Backed by c.12,000 individual loans, it offers exceptional diversification by borrower type, sector, and geography – aligned with population centres for resilience. The average loan-to-value ratio (LVR) sits at just 65%, providing a strong margin of safety. The result? A current return of 6.00% p.a.*, paid monthly, with a performance track record dating back to 2002 of zero investor losses.
Quality is calculated with numbers, but begins with process.
We serve a segment of the market known as “complex prime”– high-quality borrowers whose credit profiles are comparable to major bank customers but whose circumstances don’t always fit the very automated bank lending models. Think self-employed professionals, high-net-worth individuals, or SMSFs. Every loan is subject to a rigorous, hands-on credit assessment by our experienced Real Estate Credit Team.
The outcomes speak for themselves:
- 96% of borrowers have zero negative credit history
- Borrower credit scores as provided by Equifax continue to confirm that La Trobe Financial borrowers have a materially higher credit quality than average NBFI borrowers and come in around Big 4 bank levels
- Arrears remain well within historical norms
- Zero investor losses within our portfolio accounts, ever.
We publish this data publicly because we believe in transparency – and in the quality of our portfolios. We put all that information into the market, and then let the market decide if the product and outcome meet their standards. It’s this commitment to high standards that allows us to deliver consistent, reliable outcomes for investors.
And we encourage you to contact us. If you’re seeking resilient income across market cycles, we invite you to contact our Asset Management Team on 1800 818 818 or speak with your adviser today.
*The variable rate of return is current at 1 October 2025. The rates of return are reviewed and determined monthly, are not guaranteed, and may be lower than expected. The rates of return are determined by the future revenue of the Credit Fund, and distributions for any given month are paid within 14 days after month end.
^Total investors is calculated by adding all individual & joint investors (which includes some investors with a current zero balance in their account) to reasonable estimates of investors investing via trusts or SMSFs.
Any advice is general and does not consider your personal circumstances.
Past Performance is not a reliable indicator of future performance.
La Trobe Financial Asset Management Limited ACN 007 332 363 Australian Financial Services Licence No. 222213 is the responsible entity of the La Trobe Australian Credit Fund ARSN 088 178 321. It is important that you consider the relevant Product Disclosure Statement (PDS) before deciding whether to invest or continue to invest in the fund. The PDSs and Target Market Determinations are available on our website.
