Watch the three-part video series below to learn about Guardian Funds investment philosophy, our approach to asset selection, risk management and process for administering funds.
Australian residential real estate makes up 56.7% of total household wealth and has a total value three times that of Australian listed stocks. Given a vast geography, the Australian property market is non-homogenous in its performance, with significant variation across location and asset type.
Residential Real Estate
Number of Dwellings
Australian Super
Australian Listed Stocks
Mortgage Debt
Commercial Real Estate
Household Wealth Held in Housing
Gross Value of Sales Per Annum
Total Sales Per Annum
Guardian Funds has an investment mandate to partner with leading Australian land developers in high growth and low supply markets that deliver value. That mandate requires identifying:
The Australian property market does not move in unison. Guardian Funds has an investment mandate to partner with leading Australian land developers in high growth and low supply markets that deliver value. That mandate has driven investments in Sydney’s northwest and southwest – supply constrained regions with consistently strong demand, low price-volatility, and significant infrastructure investment.
Why Sydney
Australia's economic powerhouse and financial capital.
By 2056, Sydney’s population is projected to reach 8 million (increasing from 5,185,000 in January 2024).
The Greater Sydney Commission has developed a visionary three city plan, which would see most residents living within 30 minutes of their jobs, education, and health services.
The interplay of supply and demand and its effect on market depth has a direct impact on the pace and value of sales in a property development project. Our deep understanding of these dynamics allows our team to mitigate sales risk, ensuring the consistent success of our funds.
2024 Population
2033 Population
Average Annual Growth
Dwellings Forecast
Per Annum to June 2027
The supply of new housing in Greater Sydney is severely constrained, with a shortfall forecast till 2033.
National Parks to the north, south and west
ocean to the east
40,000 hectares of flood prone land
rural to residential rezoning can take ten years from initial planning to rezoning
The delivery of critical services lags rezoning
Tendency of some communities to be resistant to development
The multi-residential (apartment) construction market experienced an average 40% increase in costs between 2020 and 2024. The rate of insolvency between 1 June 2023 and 30 March 2024 was 154% higher than it was in the full 2021/2022 financial year.
Guardian Funds invests exclusively in land subdivision projects for four key reasons:
Low construction risks compared to multi-residential developments. For land subdivision projects, construction accounts for 15% of total costs compared to 50% for multi-residential developments.
Saleability: 77% of Australians would prefer living in a house rather than an apartment.
Price growth: The median price of a house in Greater Sydney increased by 47.8% between 2019 and 2023, outperforming the apartment market by 403%, with the median apartment price increasing by 9.5% over the period.
The Greater Sydney Commission has developed a visionary three city plan, which would see most residents living within 30 minutes of their jobs, education, and health services.
A successful investment requires not only identifying the right market and asset class, but the right sponsor (developer).
The track record reported below is that of a prominent Sydney based land developer with which Guardian Funds has worked and completed multiple funds. Ensuring our developer partners have the resources, experience, and network to deliver projects on time and budget is the foundation of Guardian Funds’ success.
Years of successful delivery
Past and current projects
lots to be completed by 2027
value of pipeline projects
The fund purchases preferential units in the land development entity. That means every investor in a Guardian Funds Preferential Equity Fund is a part owner of the development property. Rather than gaining full exposure to the volatility of development, Guardian Funds negotiates a fixed per annum rate of return from the Land Developer over the period of the project term. Prior to project selection, Guardian Funds carry out comprehensive due diligence. That includes assessing the financial feasibility of the project, the record of the developer, the property market and supply and demand. Post selection, the Guardian Fund’s team provide ongoing monitoring and reporting on the project.
Our investment mandate requires identifying the right market, the right asset, and the right developer. Recognising opportunities that align with our mandate requires we assess property location, development size, market depth, vested profits prior to development, planning constraints and investment term, among other considerations.
Our comprehensive risk analysis includes an assessment of overall market conditions and headwinds, loan to value ratios, developer record, supply and demand and security ranking. Guardian Funds also ensures that the financial feasibility is conservative on revenue and cost assumptions to effectively manage downside risk.
The Fund Manager monitors the project through monthly meetings with the Developer, site visits and independent reports provided by the project superintendent. We also provide regular reports to our investors with respect to project status and risks.
Access to capital intense and high return land subdivision projects is limited largely to high-net-worth individuals or corporations. Guardian Funds provides wholesale investors the opportunity to participate in subdivision projects backed by leading Australian developers.
We offer competitive risk adjusted returns, backed by real assets in low supply and high demand markets.
Guardian Capital is a holder of an Australian Financial Services Licence (AFSL No.476816). At the heart of Guardian Capital’s strategy is to offer wholesale investors with the opportunity to invest in residential investments in Australia’s high growth suburbs with excellent demand fundamentals. Guardian Capital works with property development companies connecting them to wholesale and institutional investors.
We have a highly experienced and professional team with solid experience in financial industry. Our experience and dedicated research across multiple sectors, as well as our networks and relationships, ensure we have access to top deal flow and can invest with high-quality partners.
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We acknowledge the Traditional Custodians of Country throughout Australia and their connections to land, sea and community. We pay our respect to Elders, past and present, from Aboriginal and Torres Strait Islander peoples, and extend that respect to all First Nations people across the world.
Guardian Funds Management Pty Ltd trading as Guardian Funds (ABN: 59 632 915 854) is a Corporate Authorised Representative (No 001306485) of Guardian Capital Australia Pty Ltd AFSL No. 476816 (ACN 604 814 593) | © 2024 Guardian Funds
This website does not contain investment, legal or tax advice. You should seek professional advice and conduct your own investigation and analysis regarding the information contained on this page.
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