Interested in diversifying your investment portfolio?

Invest in our mutual fund trust that provides residential mortgages to individuals across Western Canada.

Investment opportunities that provide returns

Our Trust was founded in 2015 on successful, disciplined lending practices through its manager, Shelter Lending. Our track record of consistent investor returns supports our underwriting and diversification strategy. The fund provides investors with an opportunity to invest in Western Canadian real estate without the headaches of being a landlord. Northern Alliance Trust partners with PARVIS, an exempt market dealer registered across Ontario and Western Canada.

Why invest with us

Our residential mortgage income fund continues to provide consistent quarterly dividends to its Unit Holders since 2015. Our fund takes a conservative and disciplined approach when considering new loan applications. Underwriting staff are experienced in managing mortgage funds and understand the importance to diligently review each mortgage.

Higher
returns

7.5% to 9.5%* historical quarterly returns for Northern Alliance Trust B units (annualized and compounded quarterly)

Secure
investments

Investments tied to tangible assets that don’t move

Straightforward
investing

Everyone has a mortgage, so easy to understand

Learn more

How it works

1%
Historical Returns compounded & annualized, paid quarterly*

How it works

1%
Historical Returns compounded & annualized, paid quarterly*

Northern Alliance Trust guidelines

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Northern Alliance Trust provides quarterly distributions as an income producing fund, providing investors a steady stream of income while preserving invested capital.

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Northern Alliance Trust’s strategy is to focus on first and second mortgages with smaller capital outlay, resulting in a high level of diversification in the mortgage portfolio.

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Northern Alliance Trust is registered with Canada Revenue Agency and can accept all registered investments including RRSP, RESP, LIRA, TFSA and others.

Hear it from some of our investors

Have questions about investing with us?

Deciding where to invest can be difficult, and you may have a lot of questions on how it works, what you are purchasing, how to invest and more. Read more on our FAQ page of commonly asked questions.

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

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.

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

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.

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.

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 its 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.

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.

Diversify your portfolio by investing in northern alliance, trust residential mortgage income fund. Private mortgage lenders have flexible, lending parameters, providing more options for borrowers that don’t fit the mould of banks and Institutional lenders.

Our Exempt Market Dealer is Parvis Investment Services Inc. Parvis partners with Northern Alliance Trust to offer investors access to our residential mortgage income fund.
As an EMD, Parvis is registered to distribute private market investments to qualified investors, ensuring compliance with Canadian securities regulations. They provide oversight and support for investors interested in diversifying their portfolios through private mortgage opportunities.

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