Mortgage Management
The Value Philosophy
We believe the best way to achieve consistent long-term returns is to invest in assets that offer value for money. Through a disciplined application of valuation and cash flow analysis, we aim to achieve and sustain, strong, medium to long term returns for our clients.
We consciously choose to focus on the deep fundamental analysis of the portfolio and transact individual assets to come to conclusions about their long-term worth.
In a sentence, Millinium Capital Managers investment process is structured and disciplined with a strong focus upon risk and credit control.
Millinium Capital Managers has a singular focus on investing in commercial property and commercial mortgage assets. We apply a disciplined acquisition approach, coupled with strong risk management processes, to property investment and credit approval policies for commercial mortgages. Our asset strategy is to have a mix of commercial mortgages and short-dated assets and to be diversified geographically and by sector as a means of risk abatement.
Our Process
Millinium Capital Managers' experienced team is focused on credit quality implementation ensuring the creation of a well-diversified commercial mortgage asset portfolio.
Our team is experienced and focused on credit quality, implementation, and in the creation and maintenance of a well-diversified portfolios.
The keys to the strengths of Millinium Capital Managers portfolio are:
- Its ability to source commercial mortgage assets and applications directly and indirectly.
- Its thorough and rigorous in-house review of each application focusing on credit quality and risk management.
Our goal is to ensure that the exposure to interest rates is appropriate based on the direction of official interest rates. This involves structuring the loan portfolio with a majority of loans with floating rates in a rising interest rate environment, and fixed rates in a declining interest rate environment. By adhering to the regime, Millinium Capital Managers ensures that the Multi-Strategy Income Fund’s yield remains competitive at all stages of the interest rate cycle.
Mortgages
We aim to provide our clients with a range of secure investment portfolios that produce regular income. We achieve this by investing in quality mortgages that meet strict selection criteria:
- Selecting individual mortgages according to strict lending guidelines
- Ensuring a diversified spread of mortgages across all sectors
- Ensuring each loan has a strong and achievable exit strategy
- Having a “hands on” active management approach to loans management.
Millinium Capital Managers selects each loan in order for it to meet proven mortgage selection criteria. Millinium Capital Managers investments in mortgages across Australia encompass retail, residential, commercial and industrial properties.
Investment Strategy
In order to provide attractive returns to its investors, Millinium Capital Managers effectively manages the risk/return balance via its careful credit risk management and diversification across all levels of its portfolio.
Risk management underpins Millinium Capital Managers investment processes and philosophy. In order to achieve consistency of returns, all investment risk decisions are understood, quantified and controlled before final investment decisions are made.