Msquared Capital is a non-bank lender, providing opportunities to invest in a range of quality mortgages. Msquared Capital aims to provide investors regular, fixed-income returns from a range of risk-rated investments.

With the combined experience of the directors and leadership team of over 100 years in banking, finance, property and funds management; Msquared Capital is well placed to identify the right opportunities on behalf of our investors.



First and Second Registered Mortgages only.

Maximum LVR

75.00%; as of February 2020, current average weighted LVR is circa 65.00%.

Factors determining LVR include the following:

  • Purpose of funds
  • Security property used as collateral for the duration of the loan term
  • Nature of any additional Security Interest(s) being offered in addition to a mortgage
  • Exit strategy

LVR for each mortgage will be specified in the relevant Loan Memorandum.

Return to Investors

Target Returns from 6.50% p.a. net of fees or costs.

Investment Term

6-36 months.

Property Sectors

Residential, Commercial, Retail, Industrial or Development.

Geographical Location

Australia – primarily eastern seaboard.

Minimum investment



Msquared Contributory Mortgage Income Fund is open to sophisticated/wholesale investors.

To qualify to invest in the Fund an Investor must;

  • Be a professional investor (as that term is defined in the Corporations Act 2001); or
  • Invest at least $500,000 into the Fund; or
  • Meet the minimum asset ($2.5 million of net assets) or income ($250,000 of gross income for the last two financial years) requirements set out in the Corporations Act 2001, or otherwise satisfy us they are not a "retail client" for the purposes of Chapter 7 of the Corporations Act 2001.


Step 1.
Read the Msquared Contributory Mortgage Income Fund Information Memorandum

Read the Msquared Contributory Mortgage Income Fund (MCMIF) Information Memorandum in full before deciding to invest. Please pay particular attention to all of the risk factors in section 4 of the IM. The risks should be considered in light of your own investment situation. Where appropriate, you should also consult a financial, taxation or other professional advisor before deciding whether to invest in the Fund.

Step 2.
Complete the Application Form in the downloads and forms section below

To make an investment, complete and lodge the Application Form with your application money to info@msqcapital.com.au.

Step 3.
Access detailed loan and credit information.


What we do

Msquared Capital has market-leading access to strong, quality borrowers and transactions. Our investors benefit from our wealth of experience and industry networks which allows us to identify investment opportunities with attractive risk/reward propositions.

Loan proceeds may be used for:

Msquared Capital will fund all stages of the real estate cycle where we are able to identify gaps in the market.

What We Don’t Do

Our extensive experience in the Australian real estate market and mortgage provider sector means we are proficient in recognising quality loan investments.

This is why we won’t lend to:


One Investment Group (OIG) is a leading independent fiduciary and administration services provider to over 200 Funds and more than $25 billion across wide-ranging underlying asset classes.

As a separate third-party entity, One Investment Group (OIG) currently undertakes the following services for Msquared Capital:

As a mortgage fund trustee, One Investment Group are responsible for the compliance and governance of the trust and ensuring that the trust operates within the confines of its trust deed, disclosure documents and the law. Msquared Capital is further supported by a team of approved panel solicitors, valuers and quantity surveyors.


Who are we?
‘We’, ‘us’ and ‘our’ refer to Msquared Capital Pty Ltd, and our related businesses.

Our commitment to protect your privacy
We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information.

We recognise that any personal information we collect about you will only be used for the purposes we have collected it for or as allowed under the law. It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.

Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.

Personal information
When we refer to personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit information.

Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.

The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation and any other information we made need to identify you.

If you are applying for finance we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses. If you apply for any insurance product through us we may also collect your health information. We will only collect health information from you with your consent.

Why we collect your personal information
We collect personal information for the purposes of assessing your application for finance and managing that finance. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. From time to time we may offer you other products and services.

To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used or marketed by us. The types of organisations to which we are likely to disclose information about you include other mortgage intermediaries, lenders, valuers, lenders mortgage insurers, surveyors, accountants, credit reporting bodies, recoveries firms, debt collectors and lawyers. We may also disclose your personal information to any other organisation that may have or is considering having an interest in your finance, or in our business.

How do we collect your personal information?
Where reasonable and practical we will collect your personal information directly from you. We may also collect your personal information from credit reporting bodies and from finance brokers and other people such as accountants and lawyers.

Do we disclose your personal information?
We may disclose your personal information:

Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:

  1. the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or
  2. you have consented to us making the disclosure

We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located in outside Australia.

Credit information
We may collect the following kinds of credit information and exchange this information with credit reporting bodies and other entities:

We exchange this credit information for the purposes of assessing your application for finance and managing that finance.

This credit information may be held by us in electronic form on our secure servers and may also be held in paper form. We may use cloud storage to store the credit information we hold about you.

When we obtain credit information from a credit reporting body about you, we may also seek publicly available information and information about any serious credit infringement that you may have committed.

We may disclose your credit information to overseas entities that provide support functions to us. You may obtain more information about these entities by contacting us.

Notifiable matters
The law requires us to advise you of ‘notifiable matters’ in relation to how we may use your credit information. You may request to have these notifiable matters (and this privacy policy) provided to you in an alternative form.

We exchange your credit information with credit reporting bodies. We use the credit information that we exchange with the credit reporting body to assess your creditworthiness, assess your application for finance and managing your finance.

If you fail to meet your payment obligations in relation to any finance that we have provided or arranged or you have committed a serious credit infringement then we may disclose this information to a credit reporting body.

You have the right to request access to the credit information that we hold about you and make a request for us to correct that credit information if needed. Please see the heading Access and correction to your personal and credit information, below.

Sometimes your credit information will be used by credit reporting bodies for the purposes of ‘pre-screening’ credit offers on the request of other credit providers.

You can contact the credit reporting body at any time to request that your credit information is not used in this way.

You may contact the credit reporting body to advise them that you believe that you may have been a victim of fraud. For a period of 21 days after the credit reporting body receives your notification the credit reporting body must not use or disclose that credit information. You can contact any of the following credit reporting bodies for more information:

Direct marketing
From time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.

If you do not wish to receive marketing information, you may at any time decline to receive such information by telephoning us on (02) 9389 1859 or by writing to us at Suite 1702, Level 17, 101 Grafton Street, Bondi Junction NSW 2022. If the direct marketing is by email you may also use the unsubscribe function. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.

Updating your personal information
It is important to us that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we may ask you to inform us if any of your personal information has changed. If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate or complete.

Access and correction to your personal and credit information
We will provide you with access to the personal and credit information we hold about you. You may request access to any of the personal information we hold about you at any time. We may charge a fee for our costs of retrieving and supplying the information to you.

Depending on the type of request that you make we may respond to your request immediately, otherwise we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.

There may be situations where we are not required to provide you with access to your personal or credit information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.

An explanation will be provided to you, if we deny you access to the personal or credit information we hold about you.

If any of the personal or credit information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information at the time of the request, otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal or credit information within 30 days.

We may need to consult with other finance providers or credit reporting bodies or entities as part of our investigation.

If we refuse to correct personal or credit information we will provide you with our reasons for not correcting the information.

Using government identifiers
If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than required by law. We will never use a government identifier in order to identify you.

Business without identifying you
In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.

Sensitive information
We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.

How safe and secure is your personal information that we hold?
We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.

If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act and the Credit Reporting Code, you may contact our complaints officer on 02 9389 1859.

We will acknowledge your complaint within seven days. We will provide you with a decision on your complaint within 45 days.

Further information
You may request further information about the way we manage your personal or credit information by contacting us.

Change in our privacy policy
We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market place practices.

As a consequence we may change this privacy policy from time to time or as the need arises.

You may request this privacy policy as an alternative form.

This Privacy Policy came into existence on 14 May 2018.