It’s a new solution designed to help them manage their busy lives while maintaining their asset wealth, in the face of rising interest rates and the increased cost of living.

Midkey offers more choices to borrowers who have found it difficult to access additional debt with traditional lenders. Midkey defers the payment of its principal and interest until the end of the loan. A Midkey home loan can prevent borrowers from having to downsize their home to pay off debt or pass up an important opportunity in financially challenging times.

Conversely, substantial wealth sits within the homes of many mid-life households, and many of them have not traditionally been able to access all of this wealth via debt.

Midkey’s new solution aims to empower these homeowners in a way that has a positive social impact – via home loans where there are no regular payments, where the repayment timeframe is flexible, and where an innovative Midkey Deferral Fee is only payable when there is a mutual benefit of a rise in their house price. Because interest, principal loans and the main fee payments are paid at the end of the loans, monthly cash flows are freed up, which is important in environments of rising interest rates and increasing cost of living.

Australia’s residential housing market is truly essential yet has historically not been efficient to access for institutional investors, until now. Midkey allows investors to build a portfolio of diversified assets in a unique way – via a debt product that is secured by a mortgage that pays interest, and uniquely participates in only the house price upside.

Investors can access the upside of this asset class without having to pay brokerage fees, stamp duties, maintenance costs, plus also have a positive social impact along the way.

Midkey focusses on Wholesale Investors (institutional and sophisticated). Midkey offers these investors both open-ended and closed-ended funds.