MORTAGE INVESTMENT
FREQUENTLY ASKED QUESTIONS

MORTAGE INVESTMENT
FREQUENTLY ASKED QUESTIONS

Deciding where to invest can be a difficult decision. Our goal is to provide an investment opportunity with a reliable quarterly distribution (Northern Alliance Trust).

How Do I Know This Investment Is Real?

If you don’t know our team personally, you may be wondering “how do I make sure this investment is real?” Download our PDF for all the details.

How Does It All Work?

Northern Alliance Trust (NAT) is a diversified mutual fund trust that invests solely in mortgages. This income fund give investors access to the private lending market, secured by equity in real property.

Shelter Lending Corporation is NAT's and actively lends NAT's money to individuals that can't secure financing with a bank. NAT is an equity lender and the loans are always secured against real property. Shelter Lending Corporation has a rigorous process in place for underwriting our mortgages that ensures only the best mortgages are funded and placed in either fund's portfolio.

What Am I Purchasing?

If you are investing with NAT, you will purchase units of a mutual fund trust.

How Do I Invest?

You can invest in a number of ways. We can work with Registered Investments (RRSP, RESP, LIRA, TFSA) through our Registered Trustee or we can accept cash investments directly into the Trust.

How Safe Is My Investment?

Before funding a mortgage, Shelter Lending conducts a full underwriting analysis which considers the borrower's ability to repay, the type and location of the property and many other factors to increase the probability of a safe investment.

All loans are backed by real property so if a borrower does not make payments, NAT have the right to foreclose, take ownership, sell the property and regain the principal and unpaid interest. We do not invest in real estate development, construction or commercial projects as they tend to be higher risk.

Who Regulates Northern Alliance Trust?

Northern Alliance Trust is a mortgage investment entity regulated by our primary regulator BC Securities Commission (BCSC). We are also regulated by Alberta, Manitoba and Ontario Securities Commissions. NAT is also held accountable by the Canadian Revenue Agency to maintain it's status as a registered investment vehicle.

Every year Northern Alliance Trust is required to complete a full IFRS audit to ensure that all transactions and reporting is accurate throughout the year. Audited financial statements are sent to the appropriate regulator for review.

Our third party exempt market dealer, Parvis, is regulated by BC, AB, MB and ON securities commissions. Parvis is obliged to ensure that investor suitability analysis is conducted for every investor.

How Do I Get My Money Out?

For NAT, if the units are redeemed within the first year, there is a 5% penalty but the penalty reduces by 1% per year thereafter until the penalty is zero. Northern Alliance Trust has up to 90 days to return the investment after a written request is made.

Want To Learn More About Becoming An Investor?

Contact Us
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Address: 1735 Dolphin Ave #101A, Kelowna, BC V1Y 8A6
Phone: +1.866.777.9567

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*Past Performance of NAT B Units does not guarantee future results. Northern Alliance Trust locks in its Unit price to $5.00/Unit. The actual net asset value (NAV) typically fluctuates between $4.87 and $5.10 depending on the performance of the fund, current expenses, transaction costs and potential losses. Some expenses are large annual expenses (audits, OM revision) which can be recovered throughout the remainder of the year. The return calculated on this summary does not reflect the NAV fluctuations. B Unit Dividend performance is different from the total fund performance. Returns are compounded quarterly and annualized.

All data quoted about the fund is as of December 31, 2023.