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  Earn 6.65% p.a.* with our 12 Month Term Account (current variable rate after fees, reviewed monthly)

At La Trobe Financial, we are committed to delivering market leading investment solutions. With a strong performance record through every economic cycle, the 12 Month Term Account has been judged the ‘Best Credit Fund – Mortgages’ for 14 consecutive years by the well-known finance journal, Money magazine. Join over 91,000 investors in our $9.3 billion Credit Fund and make your money work harder for you.

Classic Notice
Account
5.15%*# p.a.
(current variable rate after fees, reviewed monthly)

Offers investments in mortgage assets, Australian cash and other credit instruments.

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90 Day Notice Account
5.45%*# p.a.
(current variable rate after fees, reviewed monthly)

Offers investments in mortgage assets, Australian cash and other credit instruments.

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6 Month Notice Account
5.70%*# p.a.
(current variable rate after fees, reviewed monthly)

Our 6 Month Notice Account invests in mortgage assets, Australian cash and other credit instruments.

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12 Month Term Account
6.65%* p.a.
(current variable rate after fees, reviewed monthly)

Offers a highly diversified portfolio of registered first mortgage loans targeting low volatility.

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2 Year Account
6.75%* p.a.
(current variable rate after fees, reviewed monthly)

Offers a highly diversified portfolio of registered first mortgage loans with low volatility.

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4 Year Account
8.20%* p.a.
(current variable rate after fees, reviewed monthly)

Offers access to credit investments previously available to institutional and professional investors only.

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Select Investment Account
From
7.50%* p.a.

Offers access to Australia’s largest and most robust mortgage portfolio, providing greater control and more choice.

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Please note: An investment in the La Trobe Australian Credit Fund is not a bank deposit.

We’re proud to provide our investors with deep insights and transparency across our portfolios.

“Everything we do is predicated on the fact that we are managing other people’s money, we are trusted stewards of people’s futures.” Chris Andrews, CEO.

As one of Australia’s leading diversified asset managers, we are uniquely positioned to make an impact when implementing our ESG initiatives across our business.

Read more about our ESG commitment and how we are making an impact.

anchor*The rates of return on your investment are current at 1 December 2023. The rates of return are reviewed and determined monthly and may increase or decrease each month. The applicable distribution for any given month is paid at the start of the following month. The rates of return are not guaranteed and are determined by the future revenue of the Credit Fund and may be lower than expected.

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.

La Trobe Financial Asset Management Limited ACN 007 332 363 Australian Financial Services Licence 222213 Australian Credit Licence 222213 is the responsible entity of the La Trobe Australian Credit Fund ARSN 088 178 321. It is important for you to consider the Product Disclosure Statement for the Credit Fund in deciding whether to invest, or to continue to invest, in the Credit Fund. You can read the PDS and the Target Market Determinations on our website or ask for a copy by calling us on 13 80 10.

#We will make every endeavour to release your funds 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, after receiving your redemption request. We however have 12 months under the Fund’s Constitution to honour that request. In determining whether to honour your redemption request within 2 business days for the Classic Notice Account, 90 days for the 90 Day Notice Account or 180 days for the 6 Month Notice Account we have to have regard to the Fund’s cash position and the best interests of all investors. There is a risk that a redemption request will not be honoured within 2 business days, 90 days or 180 days. However, there has never been a case in the history of the Fund when we have not honoured a redemption request on time due to a lack of liquidity.

To the extent that any statement on this website constitutes financial product advice, that advice is general advice only and has been prepared without considering your objectives, financial situation or needs. You should, before deciding to acquire or to continue to hold 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 Product Disclosure Statement for the Fund.

When considering whether to acquire or to continue to hold an interest in the Fund, you should remember that (1) an investment in the Fund is not a bank deposit or a term deposit, and is not covered by the Australian Government’s deposit guarantee scheme. Investing in the Fund has a higher level of risk compared to investing in a term deposit issued by a bank and (2) there are other risks associated with an investment in the Fund. The key risks of investing in the Fund are explained in section 9 of the PDS.

Please refer to the Investor Disclaimers page for full disclaimers.

Fund Performance

Call us on
1800 818 818

Or invest today with LT Direct, our mobile app that lets you manage your portfolio at a time that suits you.

Start using the LT Direct app.

What you’ll need:

  1. Client number
  2. Password

New to LT Direct? Click here to register.

Frequently Asked Questions

The minimum investment amount is $10; the maximum investment amount in unlimited for the 12 Month Term Account, 90 Day Notice Account, 6 Month Notice Account, Classic Notice Account and 2 Year Account. Select Investment Accounts are limited to the amount of funds required for investment in each loan. Our 4 Year Account has a minimum investment of $250,000. La Trobe Financial however, reserves the right to reject an investment amount if it is not in the best interest of all investors.

Yes. register via our website to access our online investor platform La Trobe Direct.

La Trobe Direct gives you 24/7 user friendly, safe and secure access to your investment accounts with the ability to review your balances and transactions as well as make new investments.

Click here to register

To assist with the registration process you will need the following on hand:

  • Your investor account number(s)
  • Mobile phone
  • Email address
  • Tax file number(s)
  • Bank account details

You will receive text messages and emails to keep you up to date with the progress of your registration.

Australian mortgages have demonstrated remarkable resilience as an income generating investment for many decades. Holding a registered mortgage against ‘real property’ allows the Fund to invest in the loan that the mortgage secures with the knowledge that if the borrower defaults on their obligation to pay there is a legal right to sell the property to recover the debt.

La Trobe Financial is committed to product excellence, investment security and service. We have over 69 years of experience in real estate financing and asset management. We draw from these years of experience in the financial industry to serve your mortgage investment needs. All investments are vetted through a credit analysis process. Seeking to preserve your capital is first and foremost in every investment opportunity we review. Our commitment to excellence includes the following criteria:

  • Appropriate real estate security
  • Additional collateral required when appropriate
  • Full team of legal and project advisers
  • All mortgage investments are arm’s length from La Trobe Financial
  • Independent valuation on all security^
  • Credit checks on all borrowers
  • Full, detailed credit analysis on all borrowers

^In limited circumstances, as outlined within the Fund Constitution, La Trobe Financial may undertake alternative valuation methods.

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We’d love to hear from you. Use the form or call 13 80 10.

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