HOW DO I INVEST WITH CVI?

Simply complete the Secured Note Application Form accompanying our Prospectus and, together with your cheque, either mail it to us or lodge it at the Company’s registered office. With authorisation we can instead direct debit your nominated bank account.
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​New investors will also need to provide sufficient identification. Please contact the Company to inquire about our current 
identification requirements.

​WHO CAN INVEST?

Investments can be opened in single or joint names, or in the names of partnerships, superannuation funds, trusts, deceased estates, businesses, companies and other incorporated/unincorporated bodies. Investments for trusts and superannuation funds should be opened in the name(s) of the trustee(s).

WHAT IS THE MINIMUM AMOUNT I CAN INVEST?

We are happy to accept a low initial investment of $200 during the currency of this Prospectus for a fixed and “31 day notice” Secured Note.

WHAT ARE YOUR INVESTMENT TERMS?

Either ’31 day notice’ or for ‘Fixed Terms’ ranging from 1 months to 24 months.

WHAT ARE YOUR INTEREST RATES?

An Interest Rate Card accompanies this Prospectus. Applicants should confirm that the interest rates and terms are current prior to completing an Secured Note Application Form, either by contacting the Company’s registered office or visiting the Company’s website www.cvi.net.au. For ‘Fixed Term’ investments, the interest rate is fixed for the term chosen by you.

WHEN IS INTEREST PAID?

Interest is paid in arrears on ’31 Day Notice’ Secured Notes on the 30th days in May and November in each year. Interest on fixed Secured Notes is paid in arrears half yearly from the date of acceptance or on the earlier maturity of the secured note, unless otherwise mutually agreed.

HOW IS INTEREST PAID?

Interest on ’31 Day Notice’ Secured Notes must be capitalised. Interest on ‘Fixed Term’ Secured Notes may be added to the ‘Fixed Term’ Secured Notes, credited to an or ’31 Day Notice’ Secured Notes with Central Victorian Investments Limited or transferred directly to a Financial Institution.

HOW IS INTEREST CALCULATED?

Interest is calculated on the balance of your Secured Note on a daily basis from the date of receipt of your monies

IS MY MONEY SECURE?

Repayment of all monies that have been or may be invested with the Company is secured by a first ranking floating charge over the whole of the assets and undertaking of the Company in favour of Melbourne Securities Corporation as trustee for the holders of Secured Notes.

WHAT HAPPENS WHEN MY 'FIXED TERM' INVESTMENT REACHES ITS MATURITY DATE?

Approximately two to three weeks before the investment falls due we will notify you in writing of the upcoming maturity of your Secured Note and offer you the opportunity to reinvest with us for a further term.

HOW WILL I KNOW IF YOU HAVE ACCEPTED MY INVESTMENT?

As soon as reasonably practicable and no later than two months from the receipt of application monies we will forward you a ‘Certificate of Secured Note’

WHAT IF I NEED TO WITHDRAW EARLY FROM MY INVESTMENT?

The Company will consider early withdrawals from a ‘Fixed Term’ investment only in special circumstances. This will be at the sole discretion of the Company and may be subject to an adjustment of the interest rate.

WHAT ARE THE FEES INVOLVED?

No establishment charges, no ongoing fees and no exit fees apply to any investment/s made pursuant to this Prospectus. Government taxes are passed onto investors if applicable.

​The company reserves the right to accept or reject applications and also the right to redeem early any Secured Note by giving 31 days written notice to the holder and redemption may be with or without a premium over and above the interest rate earned up to and including the date of redemption. 

A more detailed disclosure is contained in Section 5 ‘Details of the Issue’, Section 3 ‘ASIC Benchmarks for Secured Notes’ and the Important Notices located at the front of this Prospectus document