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Investors and Borrowers have used private mortgages as an investment and for funding in Western Australia for over 100 years. A private mortgage is a contract between a Borrower and a Lender (Investor) for a real estate secured loan of money for a fixed term and fixed interest rate, with interest only payments. 

The key feature of a traditional private mortgage is the Investor’s name being registered on the Certificate of Title as the Mortgagee (Lender). In order to match the amount of money the Borrower wishes to borrow with that available from Investors, Australian Financial Services Licence holders puts together Investors in a contributory private mortgage.

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