AltX Credit Fund

Class D – Diversified

Diversified Exposure

Senior and Junior 1st & 2nd Ranking Mortgage Security

Interest Paid Monthly

5.27% p.a.*

*Annualised monthly return for September

Fund overview

Structure

Open-ended Australian Wholesale Unit Trust

Minimum Investment

AUD $50,000

Income Distributions

Monthly

Investor Eligibility

Wholesale investors only

Underlying Exposure

1st Mortgage Loans 2nd Mortgage Loans Typical underlying loan terms: 12-36 months

Target Return p.a.

RBA Cash Rate plus 5.75%

Management Fee

1.75% p.a.

Performance Fee

20%

Withdrawal Frequency

Semi-Annual (as at end of June and December)

Notice to Withdraw

6 Months

Lock-Up Period

12 Months

Loans for Construction / Development

Yes

APIR Code

ATX3267AU

Fund structure

Investment guidelines*

UNDERLYING LOANS

  • Repayment of all Underlying Loans must be secured by first ranking registered mortgages and second ranking registered mortgages or caveats over Australian real estate.

  • All Underlying Loans must be supported by guarantees by the directors of the Borrower (or other persons who may control the Borrower) and a charge that is registered by the lender on the PPSR over the Borrower, a related entity or both.

  • Non-regulated Underlying Loans will be made to Australian companies and, where this is not the case, there must be evidence that the funds are used predominantly for business purposes.

  • Regulated Underlying Loans will be made to consumers who will predominantly use the funds for personal, domestic or household purposes or the purchase of residential property.

  • Underlying Loans may be advanced or the purposes of construction and non-construction opportunities. 

  • The minimum term for each Underlying Loan may not be less than 1 month.

The Underlying Loans of the Senior Notes will have the following characteristics:

  • The maximum LVR for residential property exposure shall not exceed 70%

  • The maximum LVR for commercial and industrial property exposure shall not exceed 65%

  • The maximum LVR for vacant land exposure shall not exceed 55% and

  • The maximum loan term - 36 months.

Underlying Loans made for the purposes of funding construction will be subject to the following guidelines:

  • The maximum LVR – 70% of Net Realisation Value (determined on an 'as-if-complete' basis) and

  • The maximum loan term – 36 months.

The Underlying Loans of the Junior Notes will have the following characteristics:

  • The maximum LVR for residential property exposure shall not exceed 75%

  • The maximum LVR for commercial and industrial property exposure shall not exceed 70%

  • The maximum LVR for vacant land exposure shall not exceed 60% and

  • The maximum loan term - 36 months.

Underlying Loans made for the purposes of funding construction will be subject to the following guidelines:

  • The maximum LVR – 75% of Net Realisation Value (determined on an 'as-if-complete' basis) and

  • The maximum loan term – 36 months.

The Underlying Loans of the Mezzanine Notes will have the following characteristics:

  • The maximum LVR for residential property exposure shall not exceed 80%

  • The maximum LVR for commercial and industrial property exposure shall not exceed 75%

  • The maximum LVR for vacant land exposure shall not exceed 65% and

  • The maximum loan term - 36 months.

Underlying Loans made for the purposes of funding construction will be subject to the following guidelines:

  • The maximum LVR – 80% of Net Realisation Value (determined on an 'as-if-complete' basis) and

  • The maximum loan term - 36 months.

*Refer to Investment Memorandum for detailed Investment Guidelines.

Fund documentation

Investment Memorandum

Review the detailed offering document of the Fund

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Class Overview

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Fund Fact Sheet

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AltX Credit Fund Flyer

Explore a high-level overview of the AltX Credit Fund, including target returns, investment classes and liquidity terms.

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Fund Rating Report

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Disclaimers

AltX Pty Ltd (ACN 618 796 115, AR 1270087) is an authorised representative of AltX Funds Management Pty Ltd (ACN 113 502 604, AFSL 291314). This information has been prepared for wholesale clients who are interested in learning about investment products available through AltX.

* Past performance is not an indicator of future performance. Expected or forecast returns may not reflect actual performance. Any potential investments displayed are for illustrative purposes only and may not be available to investors.

The information provided is general information only and does not take into account your objectives, financial situation or needs. It does not constitute personal financial advice. Before making an investment decision, you should consider obtaining independent financial advice, read the relevant disclosure documents available on the AltX investment platform and ensure you understand the risks associated with the investment.

This information is not an offer, solicitation or recommendation to invest. AltX Pty Ltd is not a bank and is not regulated by the Australian Prudential Regulation Authority (APRA). Investments through AltX are not bank deposits and carry investment risk.

© 2026

AltX Funds Management Pty Ltd

AltX is an online investment platform offering alternative income – generating investments, delivered seamlessly.

Disclaimers

AltX Pty Ltd (ACN 618 796 115, AR 1270087) is an authorised representative of AltX Funds Management Pty Ltd (ACN 113 502 604, AFSL 291314). This information has been prepared for wholesale clients who are interested in learning about investment products available through AltX.

* Past performance is not an indicator of future performance. Expected or forecast returns may not reflect actual performance. Any potential investments displayed are for illustrative purposes only and may not be available to investors.

The information provided is general information only and does not take into account your objectives, financial situation or needs. It does not constitute personal financial advice. Before making an investment decision, you should consider obtaining independent financial advice, read the relevant disclosure documents available on the AltX investment platform and ensure you understand the risks associated with the investment.

This information is not an offer, solicitation or recommendation to invest. AltX Pty Ltd is not a bank and is not regulated by the Australian Prudential Regulation Authority (APRA). Investments through AltX are not bank deposits and carry investment risk.

© 2026

AltX Funds Management Pty Ltd

AltX is an online investment platform offering alternative income – generating investments, delivered seamlessly.

Disclaimers

AltX Pty Ltd (ACN 618 796 115, AR 1270087) is an authorised representative of AltX Funds Management Pty Ltd (ACN 113 502 604, AFSL 291314). This information has been prepared for wholesale clients who are interested in learning about investment products available through AltX.

* Past performance is not an indicator of future performance. Expected or forecast returns may not reflect actual performance. Any potential investments displayed are for illustrative purposes only and may not be available to investors.

The information provided is general information only and does not take into account your objectives, financial situation or needs. It does not constitute personal financial advice. Before making an investment decision, you should consider obtaining independent financial advice, read the relevant disclosure documents available on the AltX investment platform and ensure you understand the risks associated with the investment.

This information is not an offer, solicitation or recommendation to invest. AltX Pty Ltd is not a bank and is not regulated by the Australian Prudential Regulation Authority (APRA). Investments through AltX are not bank deposits and carry investment risk.

© 2026

AltX Funds Management Pty Ltd

AltX is an online investment platform offering alternative income – generating investments, delivered seamlessly.

Disclaimers

AltX Pty Ltd (ACN 618 796 115, AR 1270087) is an authorised representative of AltX Funds Management Pty Ltd (ACN 113 502 604, AFSL 291314). This information has been prepared for wholesale clients who are interested in learning about investment products available through AltX.

* Past performance is not an indicator of future performance. Expected or forecast returns may not reflect actual performance. Any potential investments displayed are for illustrative purposes only and may not be available to investors.

The information provided is general information only and does not take into account your objectives, financial situation or needs. It does not constitute personal financial advice. Before making an investment decision, you should consider obtaining independent financial advice, read the relevant disclosure documents available on the AltX investment platform and ensure you understand the risks associated with the investment.

This information is not an offer, solicitation or recommendation to invest. AltX Pty Ltd is not a bank and is not regulated by the Australian Prudential Regulation Authority (APRA). Investments through AltX are not bank deposits and carry investment risk.

© 2026

AltX Funds Management Pty Ltd