Investment FAQ

Find answers to common questions about our investment fund.
If you cant find an answer, contact us and we will be happy to help.

Who Can Invest?

ACM Fund only accepts investments from wholesale, experienced and sophisticated investors (please see Corporations Act 2001).

What is a wholesale investor?

To be classified as a wholesale investor, you must meet one of two criteria; 1) You hold net assets worth more than $2.5 million; or 2) Your gross household annual income is at least $250,000 (this can include income from a business if you’re a business owner). Otherwise you can invest more than $500,000 into the syndicate to classify as a wholesale investment.

Is my investment secure?

We are backed by Australian real estate and secured on title. We are pure real estate asset investors and lenders, secured only by approved real estate securities, assessed on a case by case basis whereby the exit plan is more important than the LVR (loan to value ratio).

What is the minimum investment term?

1 year

Are there early exit fees?

If you would like to withdraw during the minimum withdrawal period you will be charged an early withdrawal fee. The minimum withdrawal amount is $50,000 and the cost for this service is equal to 2.0% of the withdrawn amount below $100,000 and 1.5% above $100,000.

What criteria is used to assess where the fund invests into?

We have stringent assessment metrics to ensure a maximum LVR of 68% in all loans (72% with additional real estate security). Our team adhere to strict assessment checks on contingencies, valuations, presales, credit worthiness as well as many internal and external factors.

Note: Equity related investments have lower debt, the balance is first ranking secured equity (commonly referred to as “Preferred Equity “or First Ranking Preference Equity”, which ranks first after the 1st First Mortgagee and ahead of the developers equity).

When do my returns get paid?

Distributed to clients at project completion. If you have arrange partial monthly  distributions this will be paid on the 1st of each month.

Can I invest in more than one Fund?

Yes. We can arrange a time to discuss what best suits your needs.

What information will I receive during my investment?

You will receive quarterly investor reports and project updates as well we run internal monthly audits and to ensure security and transparency for all investors.

What happens if a development is delayed?

The loan will be repaid upon the completion of the development. There will be  costs accrued from the borrower and the fund will endeavour to pay the agreed return.

How do I invest?

Please email invest@acmfund.com.au to receive your application form. Following acceptance of your application, you will receive investment opportunities that are currently available for you to select which investment to invest into. Following receipt of investment funds, you will be issued with an investment certificate certifying your investment, profit share, payment dates etc, in accordance with the individual fund.

Is there a minimum amount I can invest?

$200,000 is the minimum investment

What does it cost me upfront to invest?

Nothing.

Can I request my money back before the expiry of the loan term?

Should you require earlier repayment, we can advise approximate return of loans by our lawyers. Please contact us to organise this.

Can ACM help me choose the investment?

We offer investors and their advisors presentations at our offices to review our funds and discuss what is right for them. We also offer custom strategies for investments over $1m.

Will my name be on the title of the mortgage investment?

Depending on the product, this can be arranged if your investment is $5m or  more. All other investments have separate registered Unit Trust Fund therefore are legal standalone structures. Our lawyers confirm the loan has settled and can verify to your lawyer that the investment monies are placed into the loan and secured. For more information call or email us at invest@acmfund.com.au

Typically a Family Office or Institutional Investors, who have an investment pool of $5-10m+, ACM Fund managers the investments on behalf of them on a case by case basis.

Can I re-invest my monthly income?

Yes you are welcome to reinvest. Please contact us to make those arrangements.

What risks are associated with investing in mortgages?

Property backed mortgages are generally considered a low risk investment as they are backed by tangible assets. We limit lending to 68% of the valuation lending on a single property and 72% when 2 or more securities (properties) are offered as suitable security(s). We are conservative in risk assessment to reduce the risk of loss on the investment hence additional security. Please see information memorandum for more details.

How do I withdraw my investment from the Fund?

Please email invest@acmfund.com.au with your Investor Number, and details regarding the request. A member of our team will contact you regarding your request.

What happens if a loan goes into default?

ACM Fund will work with the borrower to find a solution as quickly as possible. No legal action will be taken until the construction of the project related to the loan has been completed. We may assist to complete the project by appointing a project manager to support the completion of the project.

Call to discuss investing into
ACM Fund

We are happy to meet with you and your advisor to review and discuss our funds operations & investment opportunities. We are not advisors. We ask all investors to seek professional independent accounting and legal advice on their investment strategy.
ACM FUND