HOW DO I INVEST IN THE FUND?
Simply complete one of the Application Forms which are included in our Product Disclosure Statement (PDS) and send it to us with your cheque attached.
To obtain a copy of our PDS you can either contact us via the 'Contact Us'
page, or you can download the PDS and an Application Form by clicking on the 'Forms' heading on the above Menu.

WHAT IS THE MINIMUM INVESTMENT I CAN MAKE?
The minimum initial investment is $500. You can increase your investment at any time, by a minimum of $500.

HOW SECURE IS MY INVESTMENT?
The fund primarily invests in a portfolio of loans secured by registered first mortgages, directly or indirectly by acquiring units in other mortgage investment funds.
We adopt a highly disciplined investment process which is managed by a team with more than 30 years experience. There is no development or construction lending.

HOW LONG DO I NEED TO INVEST FOR?
The minimum investment period is 12 months.

HOW ARE RETURNS PAID TO YOU?
An investor may choose to receive either monthly or quarterly distributions of income in the following manner:
(a) distributions of income will be distributed monthly in arrears by electronic funds transfer (‘EFT’) into the financial institution account nominated in your application form, unless you make other arrangements with us; or
(b) investors can also choose to have their distribution automatically re-invested at the end of each quarter.

CAN YOU MAKE WITHDRAWALS?
You are able to withdraw your investment only at the end of the investment term and where the Fund is liquid. To do this you must provide us with a written notice at least 30 days before the end of your investment term. Circumstances may arise where an investor requires urgent access to their funds. SHSL is not obliged to allow an investor to access their funds early, but will consider such a withdrawal application. An investor who is permitted to withdraw before the end of their term is charged an early withdrawal fee of 1% of the funds withdrawn.

DISPUTE RESOLUTION
Complaints can be made:
(a) by telephone to the Complaints Hotline on 1800 644 805;
(b) to the Complaints Contact Person –Gina Sly;
(c) to individual staff members (with whom the Complainant has had dealings);
(d) to the Company generally,

Complaints can be made in the following forms:
(i) by telephone – 07 5538 6766;
(ii) by written letter – PO Box 1242 Surfers Paradise QLD 4217;
(iii) by facsimile – 07 5538 6934; or
(iv) by email – gsly@shsl.com.au.

Resolution Process:
Where a complaint is received SHSL must within 5 business days send written notification of the complaint. The Complaints Contact person will then proceed to investigate the complaint and a determination will be notified in writing within 30 business days. Should the complaint remain unsolved at this point than it will be referred to Senior Management for consideration.

SHSL is also a member of the Financial Ombudsman Service to which members can refer unresolved complaints:
Financial Ombudsman Service
GPO Box 3, Melbourne VIC 3001
Telephone: 03 9613 6399
Facsimile: 03 96136399
Internet: http://www.fos.org.au
Email: info@fos.org.au