Australian Income Fund may provide information on fixed rate bond and fixed income opportunities available to eligible investors. Product availability, eligibility and documentation apply. Capital may be at risk. Returns are not guaranteed unless expressly stated in formal documentation.
Indicative only. Subject to availability and eligibility.
02 · Why Investors Use Us
An institutional approach to comparingincome-focused opportunities.
Investors engage Australian Income Fund for a disciplined, confidential pathway to review current term deposit and fixed-income opportunities — without the noise of general comparison sites.
Coverage
Curated Market Coverage
We monitor term deposit and fixed-income opportunities across Australian banks, mutual ADIs and select wholesale issuers — surfacing the offers eligible investors most often want to compare.
Major & regional ADIs
Mutual banks & credit unions
Selected wholesale fixed income
Guidance
Personalised Guidance
A specialist reviews each enquiry in confidence. We confirm objectives, income preferences and timeframe before sharing opportunities — no generic shortlists, no obligation.
Direct line to a specialist
Confidential review process
No-obligation framework
Process
Efficient Comparison Process
One enquiry, a side-by-side view of current rates, terms and eligibility requirements — with formal documentation provided so you can decide deliberately.
Single enquiry, multiple providers
Indicative rates & terms
Documentation prior to commitment
03 · What You Can Request
What you can request.
A clear view of the bond and fixed income information available to eligible investors on enquiry. Indicative only and subject to availability.
Fixed rate bond opportunities
Information on available fixed rate bond opportunities offered to eligible investors.
Fixed income opportunities
Defined-term income-focused opportunities available to eligible investors.
Indicative rate information
Current indicative rate information available on request, subject to eligibility and availability.
Income payment frequency
Monthly or quarterly income payment options where available.
Minimum investment amount
Minimum investment requirements applicable to each opportunity.
Eligibility and documentation
Details on eligibility, information memoranda, application forms and next steps.
Information provided on request and subject to eligibility, documentation and product availability.
04 · How It Works
A measured, five-step process.
A deliberate pathway from enquiry to documentation — designed to give eligible investors clarity before any commitment is made.
01
Submit Enquiry
Share your details through a confidential enquiry. Reviewed within one business day.
02
Discuss Objectives
A short conversation to confirm income preferences, timeframe and investment amount.
03
Review Opportunities
Receive a curated comparison of current term deposit and fixed-income opportunities.
04
Confirm Eligibility
We confirm eligibility against issuer requirements and the Corporations Act 2001 (Cth).
05
Receive Provider Information
Receive formal documentation directly from the relevant provider before deciding.
All enquiries handled in confidence by Australian Income Fund Limited · AFSL 000317391.
We track offerings across the breadth of Australian providers so eligible investors can compare meaningful options in one place. Provider names disclosed on enquiry where relevant.
ADI
Major Australian Banks
Term deposit offerings from the largest Authorised Deposit-taking Institutions operating across Australia.
Regional ADI
Regional & Listed Banks
Competitive rates from regional banks and listed ADIs that frequently lead the market on selected terms.
Mutual ADI
Mutual Banks & Credit Unions
Member-owned mutuals and credit unions — often offering attractive rates on shorter and mid-length terms.
Wholesale
Wholesale Fixed Income
Defined-term, income-focused wholesale opportunities available to eligible investors. Capital may be at risk.
Provider categories monitored
20+
Term lengths reviewed
1 – 60 mths
Income frequencies
Monthly · Quarterly · At maturity
Investor eligibility
Retail & Wholesale
Bank term deposits are issued by the relevant ADI and may be covered by the Australian Government Financial Claims Scheme subject to eligibility and limits. Wholesale fixed-income opportunities are not bank deposits, are not covered by the FCS, and capital may be at risk.
06 · Market Commentary
Reading the Australianincome market.
A concise view of conditions shaping current term deposit and fixed-income opportunities — provided as general information only.
Cash Rate Environment
Australian rate environment
The Reserve Bank of Australia's policy stance continues to shape pricing across short-dated term deposits and fixed-income issuance. Investors comparing offers benefit from reviewing terms across multiple providers as repricing moves through the market.
Term Deposit Market
Term deposit market conditions
Headline rates across major, regional and mutual ADIs continue to differ meaningfully by term length and deposit size. Specials, promotional rates and bonus tiers are routinely updated, making like-for-like comparison important before commitment.
Fixed Income Trends
Wholesale fixed income trends
Defined-term, income-focused wholesale opportunities remain a consideration for eligible investors seeking diversification beyond traditional deposits. Structure, term, security and issuer profile vary — formal documentation should always be reviewed.
Commentary is general in nature and does not constitute personal financial advice. Rates, terms and product availability change without notice.
04 · Comparison
Fixed rate bonds vs variable income investments.
A balanced comparison to help eligible investors understand the structural differences. This comparison does not imply one option is suitable for all investors.
Option A
Fixed Rate Bonds
Defined coupon rate set at issue
Fixed term to maturity
Scheduled income payments
Capital return at maturity subject to issuer
Capital may be at risk
Option B
Variable Income Investments
Variable or market-linked returns
Often no defined maturity
Income may vary or be discretionary
Capital value may fluctuate with markets
Different risk profile and time horizon
Fixed rate bond and fixed income opportunities offered through Australian Income Fund are not bank deposits and are not covered by the Australian Government Financial Claims Scheme. Capital may be at risk.
05 · Suitability
Who this may suit.
The following profiles may find the fixed rate bond and fixed income information available through Australian Income Fund relevant. This is general guidance only and not a recommendation.
Investors looking for indicative coupon rate information
Investors comfortable reviewing an information memorandum before deciding
Eligible Australian wholesale and sophisticated investors
Investors who understand that capital may be at risk
Confidential Investor Enquiry
Request term deposit and fixed-income information.
Submit your details to receive information about available bank term deposit and fixed-income options. Reviewed in confidence by the Australian Income Fund team.
Reviewed within 1 business day
Confidential
AFSL 000317391
Eligibility applies · No obligation
AFSL 000317391 · ABN 84 125 471 178
Confidential Investor Enquiry
08 · Important Information
Important information.
This website provides general information only and does not take into account your objectives, financial situation or needs. It is not personal financial advice. Product availability, indicative rates, terms and eligibility may change.
Fixed rate bond and fixed income opportunities referenced on this website are available to eligible investors only and may involve investment risk. Capital may be at risk. Returns are not guaranteed unless expressly stated in formal documentation. Opportunities are not bank deposits and are not covered by the Australian Government Financial Claims Scheme.