*Current variable rate effective as at 1 September, 2025. Rate after fees, reviewed monthly.
Discover the excellence of our award winning 12 Month Term Account, recognised as the “Best Credit Fund – Mortgages” by Money magazine for 16 consecutive years. Investors enjoy competitive variable rates of return in the form of monthly income. The account invests in mortgage assets and Australian cash. It provides diversification and inflation-responsive returns, consistently outperforming its benchmark.
Low – Medium Risk Classification**
Consistent monthly income since inception. Zero capital losses for investors^. Low volatility outperformance.
Recognised as ‘Best Credit Fund – Mortgages’ in Australia for the past 16 years by Money magazine, with a track record of outperformance^.
Earn 2,500 Qantas Points for every eligible investment of $10,000 into the 12 Month Term Account. T & Cs apply.
*The rate of return is reviewed and determined monthly and may increase or decrease each month. The rate of return applicable for any given month is paid at the start of the following month. The rate of return is not guaranteed and is determined by the future revenue of the Credit Fund and may be lower than expected. ^Past performance is not a reliable indicator of future performance.
Create a La Trobe Direct account and enjoy online access to our range of investment options.
Already have an online account? Log into your La Trobe Direct account to manage your investments and deposit funds.
We are here to help. Click the link below to access our contact details or send us an enquiry.
(A guide to this chart and table: This chart and table illustrate how a $100,000 investment in this product has performed historically. If you started with a base investment of $100,000 when this product began, the ‘Accumulation ($)’ column represents the gross dollar value of your investment on the 12-month anniversary each year. The table displays this both in dollar value (Accumulation ($)) and in terms of percentage growth (Account (%)). The ‘% Return’ column shows net return over time using the initial $100,000 investment as the starting point. Important: Past performance is not a reliable indicator of future performance. Numbers are rounded for reporting purposes, so where sum of the numbers is immaterially different from the total, it is acknowledged that this is due to report rounding).
Create your La Trobe Direct online account today. La Trobe Direct gives you online access to our range of investment options.
Verify your identity and we’ll assign you with your unique La Trobe Direct investor number.
Login to your La Trobe Direct online account. Connect a deposit method, select your investment product and deposit funds.
We are always here to help. Talk to our friendly Asset Management team and find the investment option that suits your goals.
*Current variable rate effective as at 1 September , 2025. Rate after fees, reviewed monthly.
Our Classic Notice Account offers investors a competitive variable rate of return from investment in a range of credit assets.
*Current variable rate effective as at 1 September, 2025. Rate after fees, reviewed monthly.
Our 90 Day Notice Account provides a low-risk** investment in first registered mortgages, Australian cash, and credit instruments.
*Current variable rate effective as at 1 September, 2025. Rate after fees, reviewed monthly.
Discover extended investment opportunities with our 4 Year Account. Invest in Australian residential and commercial credit assets.
^Past performance is not a reliable indicator of future performance.
**We provide this risk classification as a guide and it describes the risk based on the investment strategy of the investment account and underlying asset base. In assessing the risks of each investment account, we have had reference to the categories of risk described in the Standard Risk Measure Guidance Paper for Trustees issued jointly by the Financial Services Council (of which we are a member) and the Association of Superannuation Funds of Australia dated July 2011.
#We will make every endeavour to release your funds after receiving your withdrawal request: within 2 business days for the Classic Notice Account, 90 days for the 90 Day Notice Account, and 180 days for the 6 Month Notice Account. However, we have 12-months under the Fund’s Constitution to fulfill the request. When determining whether to honour your withdrawal request within the specified timeframes we have to have regard to the Fund’s ability to realise for value the relevant assets and the best interests of investors. While there is a risk of not honouring your withdrawal request within 2 business days, 90 days or 180 days, it’s important to note that there has never been a case in the history of the Fund when we have not honoured a withdrawal request on time due to a lack of liquidity.
An investment in the Credit Fund is not a bank deposit, and investors risk losing some or all of their principal investment. Past performance is not a reliable indicator of future performance. Withdrawal rights are subject to liquidity and may be delayed or suspended. To the extent that any statement on this website constitutes financial product advice, that advice is general and has been prepared without considering your objectives, financial situation, or needs. Before deciding to acquire or continue holding an interest in the La Trobe Australian Credit Fund, consider the appropriateness of the advice having regard to your objectives, financial situation, or needs, and obtain and consider the Fund’s PDS and TMDs. When considering whether to acquire or to continue to hold an interest in the Fund, be aware that that (1) an investment in the Fund is not a bank or term deposit, lacking coverage under the Australian Government’s deposit guarantee scheme and posing a higher risk than a bank-issued term deposit; and (2) additional risks are associated with an investment in the Fund which are detailed in section 9 of the PDS. Full disclaimers are available here.
The variable rates of return are current at 1 September 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.
