In an office filled with avid newsreaders, the GPS Investment Fund (GPS) team staying ahead of industry developments isn’t just part of what we do, it’s essential to how we operate. And while recently some news giants, have highlighted other private investment funds facing challenges due to higher-risk strategies and fund management choices, these headlines have given us an opportunity to reaffirm what sets us apart, and why our investors continue to place their trust in us.
We’ve never been shy about the fact that GPS is committed to offering quality opportunities to our investors, backed by rigorous compliance standards, 30+ years of industry experience, and, above all, continued transparency.
Our unique point of difference stems from the fact that we exclusively focus on South East Queensland, where we’ve cultivated long-term relationships with a robust, repeat borrower base. Our network of trusted developers and builders, paired with rigorous borrowing standards, stands as a testament to our commitment of investor-first lending.
GPS also operates under an Australian Securities and Investments Commission (ASIC) licence, a regulatory framework that ensures compliance with the highest investor protection standards.
Compliance with industry standards and nurturing positive relationships with investors, like you, has always been, and will always remain, our priority. We refuse to sacrifice our current risk appetite to meet market pressures, a philosophy that steered us successfully through major industry shake ups like the Global Financial Crisis (GFC) and the COVID-19 pandemic.
The private credit market has grown significantly in recent years, but not all investment opportunities are created equal. A key distinction in investment security lies in the concept of the “repayment waterfall”, which is the order in which funds are repaid when a project settles. As our Executive Director, Ben O’Hara, explains:
“While some private investment funds raise equity from investors, leaving them in a riskier position with no mortgage security, GPS takes a fundamentally different approach. Our investors funds are secured by Registered First Mortgages, ensuring they are repaid before any other equity investors.”
This distinction is critical. Higher advertised returns elsewhere often signal greater risk, as they typically involve:
At GPS, we reject this trade-off. Our borrowers undergo stringent vetting for credibility, track record, and project viability. We charge fair rates that balance investor returns with realistic repayment capacity— a “Goldilocks zone” where neither party is overburdened. Our commitment and results aren’t something that occur via good luck. They are the product of meticulous due diligence, hard work, and mutually beneficial relationships with borrowers and investors alike. Consistency underpins our ability to deliver continuous returns and stable distribution rates, resulting in no capital losses for retail GPS investors over the past 30 years.*
Looking ahead, we are happy to report that all is well in the GPS office, as we remain confident that our expertise, values, unshakable principles and strong industry knowledge enable us to thrive in any environment.
*Past performance is not a reliable indicator of future performance.
Questions? We’re always on hand to chat!
