Come along on the journey.
This page is for people who want to understand how money partnering works, see how we run our projects, and decide whether it’s something they’d like to be part of.
I see the world as it could be, not as it is. A rundown, written-off property doesn’t stress me out, it gets me fired up. That’s always been how I think.
Money partnering is how I fund my projects. You provide the capital, I do everything else - find the deal, run the renovation, manage the sale. You get a fixed return, secured against the property title.
The people who partner with me tend to come along on the journey too. They see the numbers, the decisions, the mistakes, the wins. Most of them say that’s the part they didn’t expect to value as much as they do.
Have a read through. If it feels like a fit, register your interest at the bottom and we’ll go from there.
— Charles
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Most of the people who partnerwith me fall into a few groups. Retirees wanting a better return than a termdeposit. Business owners with cash sitting idle between their own projects.People with equity who don't want another mortgage. SMSF trustees. Professionalswith savings and no time to manage it themselves.
You don't need propertyexperience. I do the buying, the renovating, the selling. You lend the moneyand collect the return.
DISCLAIMER:
This page is for general information only and does not constitute financial, legal, or investment advice.
Before entering any money partnering arrangement, seek independent advice from a licensed financial adviser and qualified solicitor.
Money partnering is a private lending arrangement. You lend money to a property investor, secured against the property title, and receive a fixed interest return.
You’re not buying the property. Your name doesn’t go on the title. No tenants, no renovations, no council. You lend, you earn interest, you get paid back when it sells.
Think of it like being the bank, with registered security over a specific asset.
Comparison Table:
| Buying Yourself | Being a Money Partner |
|---|---|
| Need to get a bank loan | No bank loan needed |
| Your name goes on the title | Name stays off the title |
| Tenants and maintenance | Fixed return agreed upfront |
| Years to see profit | Paid back in months |
| Ongoing Cost | Simple and clean |
Rates are quoted per annum. Most of my projects run months, not years, so your return is worked out for exactlyhow long your money's in the deal.
Amount lent × Rate × (Days in the deal ÷ 365) = What you earn
Example: $200,000 at 15% p.a. for 5 months works out to roughly $12,500.
| Project Type | Typical Rate |
|---|---|
| Straightforward renovation | 12% to 15% p.a. |
| Renovation needing council approval | 15% to 18% p.a. |
| Subdivision | 18% to 22% p.a. |
| Bridging finance | 15% to 20% p.a. |
Higher rate means higher risk. I'd rather you take a lower rate on a clean, well secured deal than chase a bignumber on something complicated. I'll always tell you straight which type ofdeal you're looking at.
Before putting money into any property deal, with me or anyone else, it’s worth understanding exactly how your funds are protected. Here’s how it works on our end.
A legally binding document between you and me. Every term in writing - amount, rate, timeframe, repayment.
Your loan is registered against the property title. The property can't be sold without you being paid first.
I personally guarantee repayment. My personal assets back the deal, not just the property.
A legally binding document between you and me. Every term in writing - amount, rate, timeframe, repayment.
LVR is Loan to Value Ratio. It tells you how much of the property's expected sale price your loan represents. Lower LVR, bigger buffer if the sale comes in under expectations.
Your loan ÷ Expected sale price × 100 = LVR
| Example | Your loan | Expected sale price | LVR |
|---|---|---|---|
| Conservative | $100,000 | $650,000 | 15% |
| Moderate | $300,000 | $650,000 | 46% |
| Higher risk | $600,000 | $600,000 | 80% |
I aim to keep LVR under 70% onresidential renovations, so there's a real buffer even if the market softens before we sell.
| Project Type | Typical Timeframe |
|---|---|
| Straightforward renovation | 4 to 6 months |
| Renovation needing council approval | 6 to 9 months |
| Subdivision | 9 to 14 months |
| Bridging finance | 1 to 4 months |
Quick gut check before you reachout.
For a deeper understanding of how money partnering works, including your rights and what to look out for, visit: moneypartnering.com
Money partnering with Charlie doesn't end at the fixed return — it makes you a member of Charlie University, with access to everything beyond what's publicly available.
Charlie University has two layers. Anyone can browse the free resources — templates, guides, the basics of how money partnering works. But money partners get the members-only layer on top: deal flow before it's public, full funding proposals, and a direct line to Charles as things unfold.
Behind Charlie is a wider community of 25,000+ people across WhatsApp and Facebook Groups. Charlie University's members-only tier is the inner layer — closer access, more detail, and a direct line to what's actually happening on the ground.
What we’re working on, what’s settled, what’s coming. Straight from Charles every week.
First look at new projects before spots fill. Full proposals with numbers, plans, and security details.
Direct access to the Charlie Circles group. Real conversations, real updates, real mentoring from Charles and Money Partners.
In-person events in Geelong and beyond. Meet Charles and the wider network face to face.
Funding proposal templates, loan agreement samples, and guides to help you understand every step.
Access to our trusted network of builders, tradies, and suppliers, the contacts that actually get things done.
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We’ve always been the ones who see things as they could be, not as they are, the ones who step outside the crowd and back what others overlook.
Our strategy is simple but unique: we buy properties off market and under value, renovate them, and create clear profit through flips or flip-holds.
While there’s strong demand to partner on our projects, we keep it selective to ensure the right fit both ways.
And beyond the houses and the money, what really matters is building a strong network of like-minded people - a family, in property.
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