ISSUE DATE 19 January 2026
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Investment Statement. However, future Distribution rates may differ from historical Distribution rates and Investors should not consider the historical Distribution rate as a guarantee or assurance of future Distribution rates. • Under normal operating circumstances the Fund management fee is paid to GPS from revenue (the difference between interest paid by borrowers and Distributions paid to Investors) and GPS pays day-to-day expenses incurred in operating the Fund from its management fees. Your Security In the unlikely event that GPS (an unlisted public company) ceases trading, loses its AFSL (AFSL No. 383080), is unable to perform its duties for whatever reason and/or becomes insolvent, Investors should remember they have not invested in GPS in any way. Your investment is held via a legal and beneficial interest in a pool of Registered First Mortgages held by Perpetual as Custodian over real estate located in South East Queensland. GPS does not have current borrowings and does not intend to borrow on behalf of any individual scheme. This means there are no prior charges affecting your rights as First Mortgagee. The cessation of GPS as Responsible Entity would not of itself adversely affect the underlying value of the property over which you have a Registered First Mortgage. So long as the property retains its current market value, it is unlikely that your investment (generally with a sub 70% LVR) would be directly impaired. Benefits There are several reasons to consider an investment in a pooled fund mortgage investment: • Pooled fund mortgage investments offer individual Investors the opportunity to combine their funds with funds of other Investors to collectively invest in loans secured exclusively by Registered First Mortgages over real property. These “pooled” investments mean no individual Investor has a specific entitlement to any individual mortgage. • Investors do not need to make an assessment of the individual mortgages. • Investors enjoy substantially broader diversification of investment and income risks in mortgages when compared to
choosing specific or “select” mortgage options. Key staff from within GPS have been successfully offering mortgage investment opportunities like this in South East Queensland since 1994. As a result there are several additional benefits to considering an investment in the Fund: • GPS has extensive management experience in sourcing, assessing and managing mortgage investments; • You have the benefit of receiving a variable rate of return from a pool of First Mortgages chosen and managed by GPS; • Interest payments from the borrowers (less fees and charges) also called Distributions, are either reinvested back into your investment account or paid directly into your nominated bank account (subject to available funds); and • All costs associated with the establishment of a mortgage investment are paid by the borrowers.
The performance of the Fund, including repayment of invested amounts and the payment of Distributions, is not guaranteed by GPS, its officers or employees or Perpetual, or any other person. The rates of return are not guaranteed, and are determined by future revenue of the Fund and may achieve lower than expected returns.
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