| Feature | Summary |
|---|---|
| Fund Type | Open-ended credit fund |
| Asset Class | Loans secured by first and/or second ranking mortgages over real estate. |
| Geography | Australian & New Zealand real estate |
| LVR Limit | Up to 70% (Manager discretion) |
| Loan Use | Refinance, acquisition (no construction loans) |
| Minimum Term | 6 or 12 months (extendable) as determined by the Trust Manager from time to time |
Invitation Only Debenture Fund
Toria Finance is an invitation-only debenture fund designed exclusively for wholesale investors referred through trusted networks. Our strategy is built to preserve capital and deliver consistent fixed income, secured by Australian & New Zealand property (1st and 2nd mortgages).
What We Do
As a debenture fund operating across Australia and New Zealand, we provide access to secure, property-backed investment opportunities.
By working through trusted referral networks, we ensure that our opportunities remain exclusive, transparent, and aligned with the needs of wholesale investors.
Whether you’re seeking stable income or capital protection, the Toria Finance Debenture Fund offers a tailored solution for wholesale investors across Australia and New Zealand.
Strategy Summary
Why Invest with Toria Finance
20+ Years of Experience
Proven track record of managing investments with stability and consistency.
Family-Owned & Independent
Privately owned with a long-term focus and strong family values.
In-House Decision Makers
Direct access to experienced professionals who make informed funding decisions.
Exclusive Wholesale Investor Access
Opportunities available only to wholesale investors through trusted networks.
Property-Backed Security
All investments secured against Australian and New Zealand property.
Capital Preservation & Steady Income
Focused on protecting investor capital while delivering consistent fixed-income returns.
Eligibility Checklist
Our Fund is open exclusively to sophisticated wholesale investors, not retail investors.
To participate, you’ll need to provide documentation confirming your eligibility. You may qualify if:
You invest AUD $500,000 or more, OR
You hold a qualified accountant’s certificate confirming either:
- Net assets of at least $2.5 million, or
- Gross income of at least $250,000 per year for the past two years.
How To Get Started
Our Investment Process
1. Initial Enquiry
The process begins when a prospective investor makes an enquiry and requests to speak with the Toria Finance team. Our team arranges a call or meeting to understand the investor’s objectives and provide an overview of the fund.
2. Information Memorandum (IM) Review
Following the initial discussion, the investor receives the Information Memorandum (IM) and supporting materials. The investor reviews the documentation and, once satisfied, completes and submits the Investor Application.
3. Application Assessment & AML Compliance
When the submitted application is received, the Toria Finance team conducts a full assessment. This includes verifying investor details and completing all required Anti-Money Laundering (AML) and compliance checks.
4. Investment Confirmation & Funding Instructions
Once the application is approved, Toria Finance provides formal confirmation to the investor. This includes clear instructions for transferring investment funds to the designated trust account.
5. Receipt of Investment Funds
The investor transfers the funds, and Toria Finance confirms receipt. The investment is then formally allocated within the fund.
6. Investor Confirmation Issued
A confirmation pack containing investment details and the commencement date is issued to the investor for their records.
7. Monthly Interest Payments
The investor begins receiving monthly interest payments in line with the fund terms. Statements are provided regularly to ensure transparency and ongoing communication.
Request a 1:1 to discuss our Debenture Fund?
