WDL 1st Mortgage Fund II
Private Debt Fund
Projected net return of 6% with no hidden fees
6% projected net return with no hidden fees
- Invest from €100.000,=
- Defensive and secure
- Monthly return payouts
- Low risk due to mortgages on real estate
- Financing intake based on thorough risk analysis
- WDL Kredietfondsen invests 2% of total capital
- Loans only to borrowers with proven cash flow
Many investors went before you in supporting SME entrepreneurs
With the WDL 1st Mortgage Fund II, you give entrepreneurs a boost and grow your own wealth at the same time. Our team carefully reviews every financing request. Only trustworthy, solid cases make it through.
After you sign up, your capital will be called within four months and will start generating returns from that moment.
What WDL offers
Why WDL?
High-quality financing, thanks to our expert team
Expertise and personal attention
With years of experience in the financial sector, we carefully select high-quality loans.
We speak directly with entrepreneurs to truly understand their business and plans before making a decision.
Generate monthly income from your capital
The WDL 1st Mortgage Fund II offers stability through investments in mortgage-backed loans.
Thanks to our careful fund management, you can count on a steady and attractive monthly return.
We're here to help you
Looking for more information or want to schedule an appointment?
For an introduction to WDL Kredietfondsen, contact Ad Huisman at 06 12 94 86 76.
Or mail Ad
Current
Latest news and blogs
23 July 2024
Why Private Debt is a smart choice for your relationships
Many advisors and managers are reluctant to advise their clients to invest in Private Debt. Is that justified? Ad Huisman explains why Private Debt belongs right in an investment portfolio.
8 July 2024
What is direct lending?
Direct lending is a form of financing without the intervention of a bank. It is an alternative form of financing for borrowers and an alternative form of investing for investors. We'll tell you more!
28 May 2024
Mortgage as collateral: always good, right?
Important when investing in Private Debt is obtaining the right collateral to mitigate risk. I often hear investors reason in their consideration of risk as if a loan with a mortgage on real estate is always very low in risk. That requires some nuances. In this blog, I share some important aspects every investor should consider when taking out a loan.
23 April 2024
Private Debt as a driver of economic growth
Non-bank financing, or Private Debt from the investor's perspective, plays a crucial role in the economic growth of the Netherlands. This type of financing provides an alternative to traditional bank loans, especially for small and medium-sized enterprises (SMEs), which are the backbone of the Dutch economy.
16 April 2024
Private Debt: a nice fixed return and low risk
Investing in Private Debt is popular. Read more about the low risks and good returns.
29 February 2024
The differences within the asset class Private Debt
All about the dynamics of Private Debt and a relevant consideration for wealth advisors.
8 February 2024
Risk and return in the Private Debt sector: An in-depth exploration
Investing in Private Debt is popular. Read more about the low risks and good returns.
12 January 2024
Key differences between Private Debt and other asset classes
What are the differences between investing in savings, stocks, bonds, real estate, private debt and private equity.
18 October 2023
Rent: Who pays determines?
A rent increase based on the CBS price index figure? Here's what you need to know about this. By Maykel Hermanussen
Frequently Asked Questions
The fund offers a stable and fixed return with a low risk profile. At the same time, you support Dutch businesses by giving them access to the capital they need to grow. WDL, as fund manager, invests 2% of the total capital alongside you.
The fund has a maximum size of €35 million and provides loans with an average size of €750,000. This allows us to issue approximately 30 to 60 loans, creating a well-diversified portfolio across various types of real estate. These include commercial properties (both owner-occupied and leased), rental housing, and development sites.
No, early withdrawal is not possible. When you invest, you commit for a term of approximately 5 to 6 years. However, your claim on the fund’s entity can be transferred to another party, provided the fund manager approves the transfer. Due to anti-money laundering (Wwft) regulations, claims cannot be transferred freely: we must always know exactly who we are doing business with.
As with any investment, the WDL 1st Mortgage Fund II involves certain risks. We mitigate these risks by being highly selective when screening financing requests. On average, we finance up to 70% of the collateral’s value. In case a borrower defaults and foreclosure becomes necessary, we aim to recover at least 70% of the market value through the sale of the property.
The expected term is 4 to 6 years, as we provide loans to SMEs with a maximum term of 5 years. Your investment duration will run in parallel with the terms of the underlying loans.
Yes, the shareholders of the fund manager invest capital as well. WDL Kredietfondsen contributes 2% of the total capital raised in the fund.
There are no additional or hidden fees linked to your investment. You receive a 6% annual interest, which is paid out monthly from the start.
No, you don’t have individual collateral for your investment. However, as investors, you collectively hold the only claim against the fund. This means that all interest and repayments from the issued loans flow directly to you as an investor. There are no other creditors.
There are no costs charged to investors. We expect to issue loans at an average interest rate of 7%, of which you receive 6%. The fund’s administration and management costs amount to 0.55% annually. For each new loan, a one-time origination fee of 0.5% is charged.
You will receive a quarterly update on the issued loans and the fund’s performance.