How do I get my money back?

All investments are linked to the life of the chosen loan. Read below for how investment funds are repaid.


As an investor your money is invested into specific loans against specific properties you choose. But unlike a term deposit your investment is not for a set monthly period, instead it’s linked to the life of the chosen loan. Read below for further information on how investment funds are repaid.

How do I get my money back?

As we are a short-term specialist funder, all our loan applications must have an exit strategy in place to repay the loan. These exit strategies can be to either refinance to another lender, to sell the security property, pay through funds from borrower’s other sources, or sale of another property not related to the loan. Investors only get their money back when a loan they have invested in repays. To know about what happens if a borrower is in default and the loan is not repaid in full click here.

All borrowers have the right, through law, to repay their loan at any time. This means it’s possible the loan you have invested in may repay early before the anticipated maturity date.

The borrower can also deposit lump sums, at anytime, during the loan term without prior notice, to apply to their loan reducing the balance. These Partial Repayments are distributed to investors using the percentage of the overall investment that is held reducing the principle amount. More information about partial repayments can be found on the FAQ page of this website.

When a repayment of your principle occurs, you will receive interest up to the day of repayment. You can then reinvest your funds into another available investment.

All loan funds, full and partial repayments, received into our Trust account, are processed the next business day and applied to the day funds are received. All Friday transactions are processed on the next business day (Monday) and dated the Friday. The same applies for public holidays.

Exiting an investment

Should you wish to exit an investment prior to maturity, we do offer a Resale option via our secondary market service where existing investments can be re-sold on the Investor Portal to other investors. Use of this service may incur an administrative charge of $175.00 if the loan is within its original term and you should familiarise yourself with our Resale market rules so there are no surprises.

Tips for using the Resale market
An investment can only be sold in its entirety (as one sum), so many of our investors choose to split their funds into manageable portions rather than one very large lump sum.
For example: A $150,000 investment into one loan can be ordered in 3 lots of $50,000, to offer more flexibility should an early exit be required.

 To know more about why investors use this resale service read our blog here.

Renewal / extension of loan

It is also possible borrowers may not be able to repay their loans on the maturity date. Some borrowers seek an extension of their loan term.

As managers of your loan investment, Southern Cross Partners may decide an extension to the loan is the most efficient strategy to obtain loan repayment. In these cases, investors will be advised of the revised loan terms, including the new maturity date and the investment continues unchanged. NOTE: It can take up to 30 days past the maturity date to gather the required documentation.

If you do not wish to continue with your investment with a new maturity date, we provide a mechanism that allows you to make your investment available for on-sale on our Secondary Market, free of charge.

If no arrangement or discussion is undertaken about any extension, we will take whatever action is necessary to compel the borrower to repay the loan after the maturity date has passed which may include the issuing of a Property Law Act (PLA)  Notice. Read more about PLA notices here 

When the loan does repay, the funds are lodged to the Loan Investment Trustees Limited Trust bank account and then disbursed to you. Either way we will notify you, both when we learn of the pending repayment and when the repayment occurs.

It is possible, due to the borrower’s changed circumstances or a significant decrease in the value of the borrower’s property, that it may be prudent for us to accept a lower repayment amount which could leave a shortfall for investors. Alternatively, we may decide a mortgagee sale will yield a better result for investors rather than accepting a lesser amount from a borrower. This could also result in a shortfall of funds (which the borrower and any guarantor are still obliged to meet). To learn more about what happens if there is a shortfall when a loan is repaid, click here.

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