Empowering you to invest confidently
Invest in registered first mortgages over established property. Targeting net returns to investors from 6.50% p.a.
Empowering you to invest confidently
Invest in registered first mortgages over established property. Targeting net returns to investors from 6.50%.
Msquared aims to deliver regular fixed income returns, secured by property. Let Msquared empower you to invest confidently.
how msquared works
Msquared Contributory Mortgage Income Fund provides an opportunity to invest in a range of quality registered mortgages.
Through a Contributory Fund structure, investors are able to choose the mortgage investments that match their personal risk/return appetite.
Current investments
How to get started
We ARE here to make the process easy for you. if you have any questions, we WOULD love to help!
Meet your investment team

JOHN (JT) THOMAS
Chairman
John (JT) Thomas has been involved in banking, finance and funds management activities for 46 years. After initial training with a major bank, a building society and then a credit union, John joined the Howard Group in 1987, where he began managing the Howard Mortgage Trust.
John is considered an expert in the commercial mortgage trust lending space. John has an enviable record for not having lost one cent of investor funds even during the GFC, in either his mortgage or property fund activities.

PAUL MIRON
Managing Director
Paul Miron is respected and recognised for his economic views and ability to mitigate risks through well considered structuring. Paul is the principal theorist behind Msquared Capital‘s credit policy.
Paul has facilitated funding for many significant projects predominantly in NSW but also spanning VIC and QLD. Paul has over the years received numerous significant industry accolades and has been regularly engaged to present on the topics of lending, property, superannuation and complex structuring.

PAUL MYLIOTIS
Managing Director
Paul Myliotis is well regarded and has a vast network of trusted industry contacts. Paul’s highly commercial view comes from a wealth of on-the-ground experience in the private lending space, greatly complementing the decisions of the credit committee. In recent years, Paul’s primary focus has been in commercial and residential developing requirements managing transactions of varying degrees in size and complexity.
Msquared in the News
Msquared Capital – Assisting in Providing High Yielding Investments, Contributory Mortgage Fund & High Yielding Mortgage Investments.
The following are recent Msquared media syndicated releases:
Property & Economy in 2022… It’s About Risk Management
MSquared Capital Believe Australian Private Credit Coming Into Vogue
Sydney based Msquared Capital, a non-bank lender, in a recent communique to clients confirmed their belief that Australian private capital is coming into vogue as has occurred in other continents.
Just over 70% and 46% of all commercial loans are written in the US and Europe by private credit providers, also known as non-bank lenders; In Australia, it is a mere 8% and clearly lagging international markets.
This class of investment offers the ability for investors to have ownership of the mortgage, earn more than 6% p.a. while having the security against real property. This investment generates regular income with a proven track record in preserving investor capital in any market cycle and volatile markets.
The investors in US receive returns of circa 3% p.a. due to the maturity and competitive nature of the overseas private credit market. In comparison, this is less than half of what is offered by Msquared for a similar style of investment, as their returns start from 6.50% p.a.
Considering Australia are operating with the same close to zero interest rate environment globally, this is significant.
Msquared believe that demand from Australian commercial borrowers to have options other than funding through our major banks will continue to grow as reflected by the funding Gap, last reported to be over $119b. Due to ongoing government regulations and interventions, the ability of private credit providers to offer bespoke solutions, ease of capital, service and speed, private credit providers will continue to grow.
Investors are slowly learning the benefits of investing in direct commercial mortgages and seek out these opportunities. Institutional investors weigh their support into the sector both due to the lack of ability to generate consistent regular income from other investment classes and due to recognition of resilient qualities offered by real property, enabling asset preservation within the portfolio
As the market matures, the appreciation for contributory funds will increase. Savvy investors will seek higher transparency, ethical investment requirement, and a direct line of sight of the underlying security on offer while having the added benefits of superior returns rather than a pooled fund.
Contributory funds allow more control to the investor by having these choices. The function of a contributory fund is that each investment is a separate ring-fenced opportunity, whereas pooled fund, as its name indicates, has many mortgages within one investment vehicle.
The contributory fund places the investor in the driving seat, allowing them to create their personalised unique investment portfolio in this asset class.
The Megatrend is that there will be a structural change on how and who will provide commercial loans in Australia, reflecting the path experienced in the US and European debt markets. Msquared Capital is excited with the prospects of meeting the needs of more investors while servicing the funding needs of quality borrowers in their commercial pursuits for many years to come.
About Msquared Capital
Msquared Capital are Sydney bases and a non-bank lender. They offer first and second registered mortgages over bricks and mortar located on the Eastern Seaboard of Australia. Learn more about them via their website here: https://msqcapital.com.au/
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Leading Australian Blogger Feature Financial Service Providers.
.In an exclusive interview with Eleven Media, Australian lifestyle blogging site Blog Chicks confirmed they have listened to their website visitors and commenced in August publishing a series of features on the array of financial service providers readers have asked about.Blog Chicks is an online magazine website on lifestyle matters, travel and fashion for the discerning blog reader on the web. The site also features all things from health, diet, fitness, home & garden matters right through to tips for selecting an appropriate investment in contributory mortgage funds to what to look for in a chiropractor. There is something for everyone.
During August, they have responded to reader enquiries relating to financial services matters by commencing with features on Online Brokers Australia that provide broker reviews and comparisons making it easier to choose an Australian regulated, CFD, Forex or online broker who meets readers trading needs. Online Brokers Directory has also been featured who assist visitors to their website find the best broker for their online trading with a wide variety of brokerage firms including stock, CFD, futures, options, and foreign exchange brokers in Australia. In addition, they have listings for other key financial services such as investment and advisory services, broker reviews and cryptocurrency trading and exchanges.
Contributory Mortgage & Pooled Mortgage Fund Features
In September, Blog Chicks will be featuring Sydney based Msquared Capital who are a non-bank lender. They offer first and second registered mortgages over bricks and mortar located on the Eastern Seaboard of Australia. In advance of the feature being published, learn more about Msquared Capital via their website here: https://msqcapital.com.au
Blog Chicks will shortly be running financial planning articles on what a product disclosure statement is, compared to a continuous disclosure notice. The financial planning process for businesses financial planning is also being discussed by experts in the industry for readers.
Diane Muller, founder and content editor of Blog Chicks said this in her interview with Eleven Media “We have been experiencing great growth in visitors to our online magazine over recent years. We have listened to the feedback survey from our website visitors as to the content and experience they seek. We have seen the importance of also staying at the leading edge of technology to keep in touch with our clients the way they expect and to communicate in the best way possible the array of information we provide to our website visitors.”
The blog has been in operation for over 10 years and is committed to meet client needs both in the information they provided readers and technology they use. The leading Australian online lifestyle magazine has a long history of regularly featuring Australian industry sectors and companies.
Learn more about Blog Chicks and their array of lifestyle blogging features via their website here: www.blogchicks.com.au
About Blog Chicks
Blog Chicks is an online lifestyle magazine and leading Australian online lifestyle magazine site for the discerning reader on the web, on all things from health, retirement, fitness, home and garden matters right through to tips for selecting a mortgage fund or cosmetic dentist. Something for everyone.