Investment for life
At Hygge Investment, our mission is to be your trusted partner in Australian investment, guiding you and your family towards a secure financial future through diversified asset-based investments.
Hygge Investment is providing transparent, cohesive, diverse investment products to its clients. Our goal is to give you confidence in Australian investment through our transparency, reliability and innovative, secure diversified portfolios.
Current Opportunities
Pokolbin NSW
9.00%
Net Investor return p.a. (variable)
Construction Loan
$4M Loan Amount
57.14% LVR
Rooty Hill NSW
9.00%
Net Investor return p.a. (variable)
Commercial Loan
$6.88M Loan Amount
70% LVR
Templestowe VIC
9.00%
Net Investor return p.a. (variable)
Construction Loan
$3.15M Loan Amount
70% LVR
Doncaster VIC
9.00%
Net Investor return p.a. (variable)
Residential Loan
$3.185M Loan Amount
70% LVR
Secure Diversified Investments for Your Prosperity
At our core, we are dedicated to protecting your investments. We understand the value of trust and teamwork in achieving prosperity. With decades of combined experience in investing, and access to alternative property portfolios, we offer a safe and secure environment for your assets, ensuring your financial wellbeing the Hygge way.
Alternative Solutions for Complex Markets
In a market with a confusing array of investment options and a need to balance risk and returns, we provide transparent and versatile solutions. Our goal is to connect your assets with the most valuable opportunities, ensuring the best returns. We carefully select high-quality investment products, diversify your investments, and provide rapid monitoring to protect your investments.
Maximising Financial Well-Being
We believe in financial freedom and aim to make your assets thrive. We’re highly skilled at identifying the best opportunities in the market to secure your financial well-being and happiness. We are dedicated to helping you optimise your financial future.
We are an investment platform that connects investors with meaningful projects.
Assisting our borrowers in realising significant projects while simultaneously offering our investors compelling returns.
Client
Testimonials
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Featured Projects
Glenmore Park NSW
9.00%
Investor return p.a. (variable)
Construction Loan
$1.48M Loan Amount
65% LVR
Warnervale NSW
9.00%
Investor return p.a. (variable)
Commercial Loan
$5M Loan Amount
42.74% LVR
Invest with hygge
live with hygge
With over 20 years of experience in the investment and lending industry in Sydney, our team has served tens of thousands of diverse customer groups. Possessing deep experience and understanding of the local landscape, we offer keen and accurate insights into industry risks and investment opportunities.
In February 2023, we successfully obtained our Australian Financial Services License (AFSL), marking a significant milestone for our organization. In a remarkably short span of time, by May, we had already funded our first project in Strathfield with a total value of $1.6 million. Despite having only a little over half a year of operation, our achievements have been nothing short of impressive. We have successfully funded a total of eight projects, collectively exceeding $15 million in capital investments. This remarkable track record reflects our commitment to excellence and our dedication to providing valuable financial services to our clients. We look forward to continued success and growth in the future.
Frequently asked questions
Who can invest with Hygge?
All individuals, Self Managed Super Funds (SMSFs), companies and trusts that meet the criteria of a Wholesale Investor (or ‘Sophisticated Investor’) as defined under the Corporations Act 2001 (Cth) can invest in Commercial Real Estate Debt through Hygge.
What is the minimum Investment?
The minimum investment is $50,000. This applies to direct investments as well as investments via a Fund.
What is the Maximum I can Invest?
You are not limited in how much you can invest. Our approach of fractionalizing investments allows you the flexibility to completely finance a single loan, distribute your investment across multiple loan opportunities, or channel your funds into one of our diversified investment Funds. This system is designed to broaden the scope of your investment portfolio.
What is the investment term and can I break early ?
You can decide to invest directly or via one of our funds.
If you decide to invest directly, the investment term is for the duration of the loan that you have opted into.
If you decide to invest via one of our funds, You can choose different investment term according to the terms of each fund.
Different funds have different investment periods. We have long-term investment Funds generally last 12 months. Once you agree to invest, this money will be locked in for a minimum of 12 months period. If you need to redeem, a 90-day written notice must be provided. Or, you can choose our short-term investment fund, with a minimum investment period of 4 months. If you need to redeem, a 30-day written notice has to be provided.
How do I diversify my portfolio?
Investors opting to invest through one of our Funds benefit from automatic diversification. This is due to the Fund’s investment in a diverse and carefully chosen mix of loan types, offering a balanced and varied investment approach.
Hygge offers various strategies to diversify your investment portfolio:
Loan Purpose: Choose from different loan types such as land-bank facilities, construction loans, residual stock loans, and bridging loans.
Property Type: Diversify by investing in different property categories including residential, commercial, industrial, or vacant land.
Property Location: Spread your investments across various geographical areas, including metro regions, regional areas, or by state.
Loan Term: Select loans with different durations to suit your investment timeline.
Loan to Value Ratio (LVR): Choose different levels of LVR for varied risk exposure.
Security for these investments is consistently provided by 1st registered mortgages, which can be held over residential, commercial, industrial properties, or vacant land.
What are the risks?
Investing always involves some risk, and higher returns usually come with a higher chance of losing your investment or not getting the returns you expect.
Before you invest with Hygge, think about what you want to achieve and how much risk you’re willing to take. Hygge can help you figure out your investment goals and risk level, but we don’t give personalized advice to match your specific situation or investment targets. It’s a good idea to get independent financial advice before you invest.
When you invest in loans through Hygge, here are some risks to consider:
Borrower Defaults: If a borrower doesn’t pay back, and selling the property secured by the loan doesn’t cover everything, you could lose some of your investment.
Movement of property market: The decline in house prices means that the selling price may not be enough to cover the loan and the costs of foreclosure and liquidation. Your investment could potentially incur losses.”
Investment Term and Liquidity Risk: Your money is tied up for the length of the loan (from four months to two years), so you can’t easily turn your investment into cash. Keep this in mind when you choose what loans to fund.
Hygge tries to lower these risks by:
Securing all loans with property mortgages.
Watching loans and payments closely and acting fast if there are problems
Location, Location & Location
