Investor questions, answered plainly.

The Alliance Mortgage Fund is available to accredited investors. The requirement for an individual trust deed is not the same. Alliance Portfolio confirms what applies to you before sending any offering material.

Investors commonly hold through an entity or a trust. How subscription and title are documented is set out in the material for whichever route you take, and Alliance Portfolio will walk through it with you or your adviser.

No. Alliance Portfolio lends against California real estate; where an investor is based is a separate question, and Alliance Portfolio will confirm what applies to you.

The adviser page sets out what Alliance Portfolio can put in front of you for a diligence file and for ongoing review.

In the Fund, you hold an interest in a portfolio of Alliance Portfolio loans and Alliance Portfolio selects them. In an individual trust deed, you hold one loan secured by one California property, and you choose it.

Yes. Investors hold one, the other, or both. Alliance Portfolio will talk the choice through rather than recommend one.

Alliance Portfolio does, within the strategy the Fund’s offering documents set out.

A recorded interest in one loan, in a stated lien position, secured by a deed of trust on a specific property. The note, the deed of trust and the title policy are the instrument.

From interest borrowers pay while a loan is outstanding. Nothing has to be sold and no valuation has to move for a payment to arrive.

In the Fund, on the schedule the current offering documents set out. In an individual trust deed, on the schedule that loan’s note sets out. Alliance Portfolio confirms both before you invest rather than publishing them here.

No rate or target is published. Any figure that applies to you comes from the current offering documents for the Fund, or from the note and loan documents for an individual trust deed.

Reinvestment options, where they exist, are governed by the current offering documents. Alliance Portfolio will confirm what is available on the route you are considering.

This is lending held to term, not a traded position. There is no daily price and no secondary market to sell into.

Withdrawal conditions, including any notice or restriction, are set out in the current offering documents. Alliance Portfolio will take you through them before you subscribe.

When the loan is repaid, by a sale, a refinance or a completed project. If the exit moves, repayment moves with it.

Early repayment is normal in this kind of lending. What happens to your capital afterwards depends on the route you took and is set out in the documents for it.

Alliance Portfolio services its own loans, so it deals with the borrower directly and early. Where a loan has to be enforced, the remedy is against the property; enforcement takes time and can affect what is recovered.

Every loan is secured by a deed of trust on a specific property and is written below what that property is worth, so the borrower’s own equity stands beneath it. That is a structure, not a guarantee, loss is possible.

Four questions on every loan: the property and what it is worth today, the borrower’s equity beneath the loan, the structure and recorded position, and the defined exit.

Borrower default and the time and cost of enforcement, property values moving, an exit that does not arrive when expected, and capital being committed for the term. The full risk factors are in the offering documents.

For the Fund, the current offering documents. For an individual trust deed, the diligence package on that transaction: the independent appraisal, the preliminary title report, the borrower package, the structure and the exit.

They carry eligibility conditions, and only the current version is worth reading. Alliance Portfolio sends them once it has confirmed what applies to you.

Alliance Portfolio. The company that underwrites a loan is the company that funds it and services it. Nothing is outsourced to a third-party manager or servicer.

Yes. Alliance Portfolio sends the same material to whoever you ask it to.

Reporting as set out in the documents for the route you took. Alliance Portfolio confirms the current format before you invest rather than describing it here.

The people who make the lending decisions. There’s no portal to sign up for and no intermediary between you and the answer.

Alliance Portfolio services its own loans, so what you are told comes from the company collecting the payments.

Tax treatment depends on your circumstances and on the route you take. Alliance Portfolio does not give tax advice: the offering documents set out what applies, and your own tax adviser should review it.

Whatever you ask Alliance Portfolio to send them, the Fund’s offering documents, or the complete diligence package on an individual loan, and Alliance Portfolio will take their questions directly.

Whichever you prefer. Where an adviser introduced you, Alliance Portfolio stays in contact with them as well, not around them.

A conversation about what you are looking for. Alliance Portfolio confirms what applies to you, sends the current material, and answers questions directly.

That depends on the route and on the transaction. Alliance Portfolio will tell you what each step involves rather than quote a timeline here.

No. Asking for material and asking questions commits you to nothing.

For individual trust deeds, yes, you review a live transaction with its property, position, structure and exit before you commit.