A Leading Private Credit Fund

OTERRA CAPITAL

Why Consider Investing Into 
Private Credit

The private credit market has matured over the years, with sophisticated Investors now commonly holding Private Credit Investments in their investment portfolios.
Within the Australian banking industry, there has been a clear directive to simplify, reduce funding costs and focus on core markets.

Australian banks are retreating from the commercial property and property development sectors, creating an opportunity for private credit funds to fill this void and resulting in a significant shift in banking expertise to the private credit sector.

Quality Borrowers seeking commercial or development funding have established strong relationships with private credit funds to take advantage of their speed to market, skills, flexibility and expertise.

Oterra Capital Contributory Fund

Oterra Capital is a Private Credit Fund that specialises in offering transparent property secured debt investments to sophisticated Investors and providing funding to commercial Borrowers and property developers.
We have developed a deep and extensive understanding of the property landscape and are committed to building enduring relationships with our Investors and Borrowers.

We are committed to overseeing an investment fund that prudently manages risk, partners with highly experienced Borrowers and delivers an attractive yield to our Investors.   

Oterra Capital operates within an ASIC approved Australian Financial Services Licence (AFSL).  The fund specialises in providing investors with a variety of contributory mortgage investments which are property secured.

Oterra Capital Contributory Fund

Oterra Capital is a Private Credit Fund that specialises in offering transparent property secured debt investments to sophisticated Investors and providing funding to commercial Borrowers and property developers.
We have developed a deep and extensive understanding of the property landscape and are committed to building enduring relationships with our Investors and Borrowers.

We are committed to overseeing an investment fund that prudently manages risk, partners with highly experienced Borrowers and delivers an attractive yield to our Investors.   

Oterra Capital operates within an ASIC approved Australian Financial Services Licence (AFSL).  The fund specialises in providing investors with a variety of contributory mortgage investments which are property secured.
Investors have responded to the structural change within the Australian banking sector and see an investment opportunity that is attractive, given the following factors:
Investors have been allocating capital into real estate private credit as part of their asset allocation and investment strategies for some time now.

The market has created an asset class that seeks to preserve capital, not be impacted by market volatility and delivers a highly stable  and attractive fixed yield to Investors.

Private credit  has now become a leading and first-choice provider of capital and an integral participant in the property sector.

01

Broad range of market leading investments
Oterra Capital have built strong relationships with property owners and developers.  Whether they are repeat Borrowers or new to Oterra Capital, they gravitate to the business given our professional mindset and lending sophistication.

This ensures Oterra Capital are originating high quality investments that appeal to our Investors and wealth partners.

02

Deep credit expertise and rigorous due diligence
The team at Oterra Capital are seasoned and highly experienced investment managers and bankers.  At the heart of it, Oterra Capital are a team of investment managers who are the custodians of our Investors’ funds and we take this responsibility very seriously.

The principals have worked through 30 years of property cycles and managed complex lending and investment portfolios.

We bring deeper diligence and sharper risk insight. We go further than industry standard, applying rigorous due diligence, demanding more from Borrowers and  leveraging decades of experience to identify hidden risks.

03

Oterra Capital co-invest alongside our investors
Oterra Capital sit side by side with our Investors all the way.

When Oterra Capital originate an investment, we believe in its merits and credit quality.  Oterra Capital has a policy of co-investing in Oterra Capital investments.

It's an important principle to co-invest alongside our Investors. We are aligned, have common financial interest and motivated to achieve the best financial outcome.

04

Control where you invest
Oterra Capital provides Investors with an opportunity to construct a portfolio of single investments and control where their funds are deployed.

Investors can choose between geographic locations, lending to valuation ratios, investment returns and investment terms.

Deploying your capital into a variety of Oterra Capital investments can build diversification into your investment portfolio whilst controlling where your funds are directly invested.

05

Fixed returns paid monthly with no investment fees
All investment distributions are paid monthly up until maturity.

The fixed investment returns provide certainty and clarity to our Investors over the investment period.

Oterra Capital contributory investments do not incur portfolio management fees, entry fees, exit fees or rollover fees.

06

Building deep and enduring investor relationships
The Oterra Capital team engages with all Investors on a regular basis to provide investment updates and broader market insights.

When investments are released to the market we engage with all Investors to provide insights and transparency.

Oterra Capital have a dedicated and highly professional team that are focused to help you with investment queries, tax reporting and discussing various upcoming investment opportunities.
Oterra Capital operates within an ASIC approved Australian Financial Services Licence (AFSL).  We are licenced to provide funding for non-construction and construction purposes which can be secured against the following property classes

Commercial

Industrial

Residential

Subdivisions

Retail

Specialist Properties

Oterra Capital Capability

Oterra Capital is a national business with representatives located in Sydney and Melbourne which allows us to have boots on the ground along the Australian eastern seaboard.
Our investors can invest with trust – our team has a vast knowledge base and extensive investment experience. Oterra Capital has built a culture of protecting our investors whilst ensuring they can leverage the attractive yields of secured private credit investments.

Oterra Capital provide discrete singular investments that are directed to specific security properties.  Our investors can build a unique investment portfolio through our contributory mortgage fund whilst still fully understanding how their capital is deployed.
Key Investment Metrics
The paramaters of the various Oterra Capital contributory mortgage investments are detailed below
Investment Returns are Paid Monthly
Lending to valuation ratios typically range from 45% to 70%
Investment selection based on geographic location
Current Investment returns range from 10.00% to 12.50% pa
Investment returns are fixed for the duration of the investment term
Investment 
terms range from 6 months to 24 months
Loan Amount
$17.6m
Project

Armstrong Creek passive loan

Security
Residential land with Development Approval (252 residential blocks)
Loan purpose
Provide time to perfect the planning permit and secure presales
LVR
Class A Units 55%
Class B Units 61%
Investor return
Class A Units 10.75% pa paid monthly
Class B Units 12.50% pa paid monthly
Loan amount
$17.6m
Loan term
12 months
Loan Amount
$10.24m
Project

Geelong construction loan

Security
Residential land with Development Approval (52 residential blocks)
Loan purpose
Provide construction funding to subdivide 52 residential blocks
LVR
Class A Units 55%
Class B Units 65%
Investor return
Class A Units 10.50% pa paid monthly
Class B Units 12.00% pa paid monthly
Loan amount
$10.24m
Loan term
12 months
Loan Amount
$6.5m
Project

Dubbo industrial passive loan

Security
Industrial land located within Dubbo
Loan purpose
Provide funding to hold land and seeking Development Approval
LVR
Class A Units 55%
Class B Units 61%
Investor return
Class A Units 10.25% pa paid monthly
Class B Units 12.00% pa paid monthly
Loan amount
$6.5m
Loan term
18 months
Loan Amount
$1.5m
Project

Grantville mixed use passive loan

Security
Mixed Use Land
Loan purpose
Provide funding to hold land and seeking Development Approval
LVR
Class A Units 55%
Investor return
Class A Units 10.25% pa paid monthly
Loan amount
$1.5m
Loan term
12 months
Oterra Capital Insight
© 2025 Oterra Capital Pty Ltd. All Rights Reserved.
Australian Financial Services Licence (AFSL): #556448
Adam Smyth
0403 346 724
adam@oterracapital.com.au
Alan Poole
0411 525 769
alan@oterracapital.com.au
Main Office
Level 1, 126 Wellington Pde
East Melbourne VIC 3002
© 2025 Oterra Capital Pty Ltd. All Rights Reserved.
Australian Financial Services Licence (AFSL): #556448