Capital Raise

Real Estate Capital (REC) is currently seeking investors to support the launch of its first-to-market and end-to-end first home buyer solution. Outlined below is a high level rationale for investment. If you’re a high net worth individual, family office or investment fund interested in learning more, please get in touch using the dedicated contact form provided at the end of this page.

Become a founding shareholder in a business set to transform the lives of everyday Australians.

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What we offer investors

Importantly, we’re launching a business — not starting a venture. There’s a difference.

An experienced board of directors, consisting of past CEOs of Australian banks, an accomplished and experienced executive group and a passionate and motivated team will together execute on our vision to create new pathways to home ownership for Australians.

We welcome investors who want to join us on our journey and contribute to our success.

Here are a number of compelling reasons to consider an investment:

  • Investors dislike nothing more than revenue uncertainty — something that comes with the territory when investing in early stage ventures. However, given the nature of REC’s business, we begin generating revenue immediately upon launch.

    We anticipate sustainable, strong month-on-month growth from a diversified, multi-dimensional revenue model (consisting of both fee and annuity income), which is further supported by both vertical and horizontal expansion opportunities. Accordingly, we foresee a short time horizon to cashflow break even.

    It is important to note that REC is targeting a leaderless and large addressable market with significant unmet demand. Lack of competition from a comparable offering adds credibility to our revenue forecasts.

  • Our research shows the primary reason that previous first home buyer initiatives have failed is because they’re not designed to scale. This also explains why the onus has typically fallen to governments to develop and manage such initiatives.

    A core pillar of REC’s business model focuses specifically on scalability — this a key component, enabler and differentiator that underpin’s REC’s viability as a private sector solution.

  • REC‘s agentic AI will dramatically reduce operating costs, improve customer response times and cater for rapid expansion of lending volumes.

    REC is also developing proprietary onchain technologies to support its unique business model.

    Whilst REC is primarily an innovative financial services business, technology and digital distribution form essential building blocks of our organisation.

  • REC has numerous verifiable competitive advantages. The most important of these is arguably that no Australian bank could offer the same home loan product to the market.

    By industry standards, REC’s cost of customer acquisition is very low. And whereas most banks lose customers to churn every 3–4 years on average, REC expects to retain its customers for 3-10 years.

    Given the non-homogenous nature of REC’s home loan product, we are a price maker, not a price taker.

    There are many more competitive advantages, which REC can outline to investors interested in learning more.

  • No investor wants to be stuck with an equity stake in a private business. Liquidity provides optionality.

    Rest assured that the founding team also want liquidity and medium-term exit opportunities. Our interests are therefore aligned with those of new investors.

  • Act now by contacting us to learn more.

    We make a data room available to verified investors who wish to conduct due diligence.

Social Impact

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Saving a deposit has become near impossible. Property prices increase at 3–4 times the rate of wage growth. With REC, approved first home buyers can stop renting, purchase now and benefit from property price increases.

Stability

All young families yearn for the stability that only a home can provide. There’s nothing more disruptive to a family than having a landlord require them to move out of their home. With REC, families enjoy long term peace of mind.

Prosperity

Having a name on the title of a property allows an owner to benefit from property price appreciation. That’s obviously not the case with renting. Buying a property locks in the acquisition cost and delivers long term, financially prosperity.

Nest Egg

Australian research shows that retiring and not owning a home leaves retirees with a 50% chance of falling into poverty. This is because The Australian retirement system is built on property ownership. Paying off a home loan and owning a home is therefore essential.

Contact

This contact form is for investors. If you are looking to register your interest as a borrower or have a general enquiry, please use the alternative contact forms provided.