The Unit Classes

Cash Units

Cash Units are invested in a Cash Management Account with an AA rated Australian bank, currently National Australia Bank (NAB).

There are no fees charged to investors on Cash Units, including withdrawal fees.

Cash Units can be redeemed at 7 Business Days Notice.

Loan Units

Higher Return

Each loan is held in a discrete Sub-Trust and will exhibit a risk-return profile unique to that loan. We estimate returns will range between 5-10% p.a. net of fees with risk generally commensurate to return. Income is paid monthly in arrears and can be reinvested back into Cash Units or paid to your nominated account with a bank, building society or credit union.

Fixed Term

The Loan Unit investment terms will vary and typically be between a few months and up to 24 months and longer. Investors should be aware that loans may repay, in part or full, ahead of the scheduled repayment date. Where early repayment occurs, investors will be notified and receive their pro rata share of such repayment direct into their Cash Unit.

Specific Exposure

Each class of Loan Unit will contain a single/individual loan and provide investors with exposure exclusively to that particular loan and to no other loan or asset of the Trust.

Unit Class Comparison

  • Cash Units

    Cash Units are invested in a Cash Management Account with an AA rated Australian bank, currently National Australia Bank (NAB).

    Return
    4.35%^
    Term
    No minimum or maximum term
    Minimum Initial Investment
    $50,000
    Investment Risk
    Minimal+
    Liquidity
    Seven Business Days notice
    Interest Payments
    Monthly in arrears
    Deposits/Investments
    via EFT, BPAY, or cheque
    Redemptions/Withdrawal
    To Nominated Bank Account
    Management Fees and Expenses
    None
  • Loan Units

    Each Loan Unit invests in individual registered first mortgage loans secured over commercial property in Australia.

    Target Return (net of fees)
    5-10% p.a.*
    Term
    3-24 months*
    Minimum Initial Investment
    Varies per Investment*
    Investment Risk
    Varied✝
    Liquidity
    Nil. Fixed Term
    Interest Payments
    Monthly in arrears
    Deposits/Investments
    Transfer from Cash Units
    Redemptions/Withdrawal
    At end of term
    Management Fees and Expenses
    Estimated at 1.65% p.a*
Investor Account Access
24/7 via the Investor Control Console
* As disclosed in the relevant Supplementary PDS
^ variable rate, subject to change without notice
+ Similar to investing with a AA rated Australian bank direct
✝ Subject to the risk profile of underlying Loan Security