Our Products

Our Philosophy

At IM Capital, understanding and achieving our clients’ goals are at the core of our company values. Our philosophy has always been to back our beliefs with actions.We spent a year personally testing and investing in the market to ensure zero losses or zero-interest investments. Our primary focus is on single-asset lending, with the ultimate goal of transitioning to a pooled fund structure.We remain steadfast in this commitment, recognizing the importance of aligning our interests with those of our clients in the commercial real estate debt market.

Senior Secured

Real Asset Backed

Short Duration

Australia Focus

3 – 24 Months

Duration

5M – 50M

Deal Size Focus

Monthly

Investor Distributions

A$250,000

Minimum Investment

10-20% P.A.

Investor Target Return

Transactions

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Mortgage Type

Project Status

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Second Mortgage

Live Transaction

Rosebery NSW 2018

Target REturn
14
%
LVR
61
%
FACILITY AMOUNT
A$
650,000
Term
3
Months
Updated
July 27, 2026

Second Mortgage

Live Transaction

Rose Bay NSW 2029

Target REturn
15
%
LVR
80
%
FACILITY AMOUNT
A$
1,600,000
Term
6
Months
Updated
July 27, 2026

First Mortgage

Live Transaction

Lindfield NSW 2070 & Breakfast Point NSW 2137

Target REturn
10
%
LVR
65
%
FACILITY AMOUNT
A$
6,500,000
Term
12
Months
Updated
July 27, 2026

First Mortgage

Fully Subscribed

North Richmond NSW 2754 & Windeyer NSW 2850 & Yarrabin NSW 2850

Short-term bridging facility to refinance existing private debts pending property refinance.

Target REturn
16
%
LVR
79
%
FACILITY AMOUNT
A$
1,000,000
Term
3
Months
Updated
July 17, 2026

Second Mortgage

Fully Subscribed

Blakehurst NSW 2221 & Moorebank NSW 2170

Target REturn
16
%
LVR
84
%
FACILITY AMOUNT
A$
1,250,000
Term
12
Months
Updated
July 17, 2026

Second Mortgage

Fully Subscribed

Moorebank NSW 2170 & Macquarie fields NSW 2564

Target REturn
16
%
LVR
84
%
FACILITY AMOUNT
A$
1,100,000
Term
6
Months
Updated
July 17, 2026

Second Mortgage

Live Transaction

Point Piper antiques

Tangible, historically significant collateral aligns with Point Piper’s ultra-prime positioning, creating a unique dual-collateral structure that strengthens capital security, asset quality and long-term value resilience.

Target REturn
20
%
LVR
72
%
FACILITY AMOUNT
A$
6,000,000
Term
6
Months
Updated
July 17, 2026

Second Mortgage

Fully Subscribed

Business lending Opportunity

Target REturn
10
%
LVR
%
FACILITY AMOUNT
A$
400,000
Term
3
Months
Updated
July 17, 2026

Second Mortgage

Fully Subscribed

Asset Lending Opportunity

Target REturn
17
%
LVR
%
FACILITY AMOUNT
A$
200,000
Term
Months
Updated
July 16, 2026

Second Mortgage

Fully Subscribed

Penrith NSW 2750

Penrith is a major Western Sydney center approximately 50 kilometers from the CBD, offering strong infrastructure, transport connectivity and lifestyle amenity centered around the Nepean River, supporting long-term growth.

Target REturn
13
%
LVR
70
%
FACILITY AMOUNT
A$
250,000
Term
3
Months
Updated
July 17, 2026

Second Mortgage

Fully Subscribed

Seaforth NSW 2092

Seaforth is a prestigious Northern Beaches suburb located approximately 12 km northeast of the Sydney CBD. Known for its elevated terrain and harbour outlooks, the suburb attracts strong residential demand from families and professionals seeking a coastal lifestyle with convenient access to the city.

Target REturn
15
%
LVR
85
%
FACILITY AMOUNT
A$
1,500,000
Term
3
Months
Updated
July 17, 2026

First Mortgage

Fully Subscribed

Waterloo NSW 2017

Connectivity is a key strength, with Waterloo Metro Station forming part of the Sydney Metro network within walking distance, providing efficient access to the Sydney CBD, airport and surrounding employment hubs.

Target REturn
10
%
LVR
75
%
FACILITY AMOUNT
A$
640,000
Term
6
Months
Updated
July 17, 2026

Second Mortgage

Fully Subscribed

Mosman NSW 2088

Mosman NSW 2088 is a premier harbourside suburb on Sydney’s Lower North Shore.

Target REturn
15
%
LVR
76
%
FACILITY AMOUNT
A$
4.000,000
Term
12
Months
Updated
July 17, 2026

Second Mortgage

Fully Subscribed

Concord NSW 2137

Concord is a well-established and highly regarded residential suburb known for its family-friendly environment, strong community feel, and proximity to the Parramatta River.

Target REturn
15
%
LVR
74
%
FACILITY AMOUNT
A$
400,000
Term
12
Months
Updated
July 17, 2026

Second Mortgage

Fully Subscribed

Marsden Park NSW 2765

Marsden Park remains a core focus of Sydney’s North West Growth Area, serving as a high-growth hub that balances extensive residential estates with significant commercial infrastructure.

Target REturn
17
%
LVR
86
%
FACILITY AMOUNT
A$
200,000
Term
3
Months
Updated
July 17, 2026

First Mortgage

Fully Subscribed

Point Piper NSW 2027

Refinance of First Mortgage from other private lender for the asset in Point Piper, Sydney NSW. Investor Return - 10% p.a.

Target REturn
10
%
LVR
65
%
FACILITY AMOUNT
A$
30,000,000
Term
12
Months
Updated
July 27, 2026

First Mortgage

Fully Subscribed

East Lindfield NSW 2070

First mortgage facility to refinance the existing facility.

Target REturn
10
%
LVR
80
%
FACILITY AMOUNT
A$
8,300,000
Term
6
Months
Updated
July 16, 2026

First Mortgage

Fully Subscribed

Bardwell Park NSW 2207

Refinance and equity release of a double-brick 6-bed, 4-bath home in Bardwell Park, NSW, set on 771sqm with pool, golf course views, and convenient access to the CBD.

Target REturn
10
%
LVR
82
%
FACILITY AMOUNT
A$
2,250,000
Term
7
Months
Updated
July 16, 2026

Second Mortgage

Fully Subscribed

Burwood NSW 2134

Equity release of a Federation-style 6-bed, 3-bath home in Burwood, NSW, set on 1,694sqm with pool, landscaped gardens, and premium outdoor entertaining area. Conveniently located near top schools, parklands, and public transport.

Target REturn
14
%
LVR
80
%
FACILITY AMOUNT
A$
1,200,000
Term
9
Months
Updated
July 16, 2026

Second Mortgage

Fully Subscribed

Point Piper NSW 2027

Second mortgage over Point Piper property to assist client with business working capital needs.

Target REturn
13
%
LVR
50
%
FACILITY AMOUNT
A$
2,000,000
Term
6
Months
Updated
July 16, 2026

Second Mortgage

Fully Subscribed

Point Piper NSW 2027

Second mortgage over Point Piper property to assist client with working capital needs.

Target REturn
13
%
LVR
50
%
FACILITY AMOUNT
A$
2,000,000
Term
6
Months
Updated
July 16, 2026

Second Mortgage

Fully Subscribed

Point Piper NSW 2027

Second mortgage over Point Piper property to assist client with working capital needs.

Target REturn
13
%
LVR
50
%
FACILITY AMOUNT
A$
2,000,000
Term
6
Months
Updated
July 16, 2026

Second Mortgage

Fully Subscribed

Hunters Hill NSW 2110 (Loan Repaid)

Second mortgage Hunters Hill property to assist client with working capital needs.

Target REturn
14
%
LVR
57
%
FACILITY AMOUNT
A$
2,200,000
Term
3
Months
Updated
July 16, 2026

Second Mortgage

Fully Subscribed

Griffith ACT 2603 & Canberra ACT 2601

Mezzanine loan secured against two Canberra apartments and one Griffith owner-occupied property, to assist with business working capital. Investor Return – 18% p.a.

Target REturn
18
%
LVR
0
%
FACILITY AMOUNT
A$
500,000
Term
6
Months
Updated
July 16, 2026

Second Mortgage

Fully Subscribed

Lindfield NSW 2070

Second mortgage property to assist with purchase settlement.

Target REturn
13
%
LVR
87
%
FACILITY AMOUNT
A$
350,000
Term
3
Months
Updated
July 16, 2026

Second Mortgage

Fully Subscribed

Griffith ACT 2603

The property is located in a prestigious inner-south suburb of Canberra, Griffith ACT 2603, known for its leafy streets, top schools, and lifestyle conveniences.

Target REturn
16
%
LVR
0
%
FACILITY AMOUNT
A$
1,320,000
Term
12
Months
Updated
July 17, 2026

Second Mortgage

Fully Subscribed

Point Piper NSW 2027

Second Mortgage over Point Piper, Sydney NSW 2027 to assist with renovation and business working capital. Investor Return - 13% p.a.

Target REturn
13
%
LVR
65
%
FACILITY AMOUNT
A$
4,000,000
Term
6
Months
Updated
July 16, 2026

Second Mortgage

Fully Subscribed

Lindfield NSW 2070

To assist with renovations, working capital and clearance of unsecured debts.

Target REturn
14
%
LVR
71
%
FACILITY AMOUNT
A$
900,000
Term
9
Months
Updated
July 16, 2026

Second Mortgage

Fully Subscribed

Hunters Hill NSW 2110

To assist with property settlement for commercial property in Ashfield.

Target REturn
15
%
LVR
84
%
FACILITY AMOUNT
A$
1,000,000
Term
6
Months
Updated
July 27, 2026

Second Mortgage

Fully Subscribed

Cronulla NSW 2230

To assist with renovations, working capital and clearance of unsecured debts.

Target REturn
15
%
LVR
72
%
FACILITY AMOUNT
A$
1,000,000
Term
9
Months
Updated
July 16, 2026

Second Mortgage

Fully Subscribed

Hunters Hill NSW 2110

To assist with property settlement for a residential and commercial property in Inner-West Sydney.

Target REturn
15
%
LVR
85
%
FACILITY AMOUNT
A$
1,250,000
Term
9
Months
Updated
July 16, 2026

Second Mortgage

Fully Subscribed

Drummoyne NSW 2047 & Hunters HIll NSW 2110

Short-term bridging facility to assist with a refinance and working capital.

Target REturn
10
%
LVR
80
%
FACILITY AMOUNT
A$
5,600,000
Term
9
Months
Updated
July 16, 2026

Second Mortgage

Fully Subscribed

Oatley NSW 2223

Short term bridging facility to assist with a refinance.

Target REturn
17
%
LVR
87
%
FACILITY AMOUNT
A$
480,000
Term
6
Months
Updated
July 27, 2026

18 Items

INVESTMENT PHILOSOPHY

Built for downside protection

We focus on structure, collateral quality, and exit planning—before considering yield.

Asset-backed security

Every strategy is anchored by tangible collateral and enforceable security.

Disciplined underwriting

Conservative LVR, third-party valuations, and stress-tested exit scenarios.

Short-duration focus

Shorter tenors can reduce macro cycle exposure and improve liquidity planning.

Risk controls embedded in the structure

Our process is designed to identify downside early and protect capital through rigorous controls.

Investor Info

Conservative LVR thresholds and borrower equity alignment

Independent valuations and legal due diligence

Seniority and security documentation tailored to the asset

Active monitoring, reporting, and exit planning

Structured covenants where appropriate

Receive the investment overview

Connect with our team to request product information and discuss suitability.

FOR INVESTORS

Institutional-grade, asset-backed opportunities.

Private credit strategies supported by disciplined underwriting, clear security structure, and risk controls.