Junortoun, VIC

10 vacant residential allotments - Residual Stock loan

The Loan is secured by first registered mortgage over 10 individually titled residential lots located in Junortoun, VIC, approximately 7km east of the regional town of Bendigo.

The Loan is a Residual Stock Facility whereby it is intended that the loan and LVR will reduce during the Loan Term from sales of the Security Properties. On completion of the sale of a Security Property, the Loan facility will be reduced by the agreed net sale proceeds and these funds will be returned to Investors.

The Security Properties form part of the Borrower’s completed 18-lot subdivision known as ‘McIvor Heights Estate’. The 10 lots have an average size of 2,517m², ranging from 2,001m² to 6,888m² and comprise a mix of irregular and rectangular configurations.

The Borrower is an experienced land subdivision and property development company based in regional Victoria. The Borrower Group is well known to the Manager who has provided multiple loans to the group. All facilities have been conducted in a prompt and punctual manner.

• The Loan was advanced at a Loan to Value Ratio of 48%.
• The Target Return is 7.45% p.a., net of fees and expenses, and is paid to Investors monthly in arrears.
• The Loan is supported by a personal guarantee and a General Security Agreement over the Borrower.
• Interest for the Loan Term has been lodged on deposit with the Manager.
• The Loan Term is 12 months, subject to early or late repayment, from 23 January 2026 to 22 January 2027.

Investment Details

• Target Return

  7.45% net

• Loan to Value Ratio

  42%

• Term

  12 Months

Full details, unique to each investment, are provided to Investors in a Supplementary PDS. These detailed Supplementary PDS’s are only available to Investors in Balmain Private.

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