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There are two types of mortgage fund. These are contributory funds and pooled funds. A contributory fund gives investors the freedom to invest in their choice of any of the fund’s available mortgage loans (called “Sub Schemes”). By contrast, in a pooled fund, investors invest in a ‘pool’ of mortgages. They cannot choose if they do not wish to participate in a particular loan within the pool

You can invest by registering your interest for a specific Loan for your investment funds.  To apply, complete the Application Form and the Identification Check provided. Once your application is assessed we will send you a Mortgage Summary for your approval and you must sign and return the Investment Approval accompanying the Mortgage Summary.

No, there is no cooling-off period. Once funds have been allocated, there is no cooling off period and you have no right to withdraw from the loan.

No application fees or withdrawal fees are payable by Investors.  No on-going fees or charges are imposed on Investors of the Fund.

The interest rate for each Loan is specified in the Mortgage Summary. The interest rate offered for investments varies from time to time due to changes in market interest rates and individual Loan terms. Windsor Capital Management does not offer a standard interest rate across all Loans. Once an Investment Approval is accepted for a particular loan, the interest rate is fixed for the Loan Period.

No, there is no entitlement to withdraw your investment before the end of the Loan Period. An application for early withdrawal before the end of the Loan Period due to unforeseen exceptional circumstances or hardship will be considered, providing a substitute investor can be placed into the investment.

We provide you with a Mortgage Summary for each proposed investment and ask that you sign an Approval Form.  The Mortgage Summary provides the following information;

  • Commencement date of the investment.
  • Your investment sum.
  • Total Loan advance.
  • Loan Period.
  • Interest rate payable to you.
  • Frequency of interest payments.
  • Borrower’s name and assessment of credit-worthiness.
  • Amount, method and date of valuation of Property, and LVR.
  • Mortgage details, including ranking, and details of any other security.
  • Insurance details.
  • Details of the basis and frequency of any interest rate review.

You will also receive:

  • Periodic interest statements, matching the term of your investments (typically monthly or quarterly)

Return of capital and payment of interest on funds invested is not guaranteed by Windsor Capital Management. Investments are secured by a registered mortgage over real property that has been the subject of an independent valuation at the time of loan approval.

The LVR for each loan is disclosed as part of the application process. You should carefully read the Risks of Investing and you should make your own assessment before approving the allocation of your investment funds to a particular Loan.

If a Loan goes into default, we increase our level of management of the Loan and Mortgage and we take steps to have the Borrower rectify the default.  We will provide regular updates to Investors about the loan status. If the default is not rectified, we take steps to realise the Property and any other collateral security.

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