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PROPERTY INVESTMENT– this can be your investment from only $236 per week*

This mortgage payment guide is compliments of Refund Home Loans

Tropical Living at it’s Best! Helicona Features: 4 Bedroom, bathroom main and ensuite, AC’s, fully tiled, solar hot water Security to windows and sliding doors, Turnkey ready to move in.

Property Purchase price Interest Rate Years of loan Expenses Establishment/settlement fee Land transfer registration fee Mortgage registration Stamp duty Conveyancing costs Building and pest inspection Total expenses Client contribution Expenses LMI Plus Deposit 5% Total contribution (surplus) Loan amount Loan amount (95% plus LMI)

$ $ $ $ $ $ $

600 95 95 7,857 990 500 10,137

$ $ $ $

10,137 24,184 29,450 39,587

$

583,734 3,308

month

$ $ $ $ $

764 2,687 620 403 93

weekly month weekly month weekly

As an investment property

$

1,024 month

additional cost before tax

$

236 weekly

Current rent for similar property Add ongoing costs

Contact the builder Jimmy Corfias Tropical Lifestyle Homes Pty Ltd PO Box 2728 Palmerston NT 0831 Mobile 0411 550 291 Fax 8932 1190 Web: www.tlhomes.com.au

589,000 6.80% 30

$

Intrest only, rate @ 6.80% p.a.

Living Area 158.36m2 Verandah Area 25.36m2 Carport Area 38.40m2 Total Area 222.84m2

$

We provide professional finance service in the comfort of your own home, available 7 days a week. Hundreds of finance options from over 35 leading lender on our panel and we pay you to do business with us ! Contact your local Refund mortgage expert today, and we will come and see you.

Nick Kirlew – 0447 499 794 This document does not contain advice. The information contained in this document is of a general nature only and does not take into account your particular objectives, financial situation or needs. All figures shown are estimates only, calculated using the rate and term shown. Different amounts (of loan) and different terms will result in different comparison rates, and other fees or waivers may also affect the cost of the loan .To view a comparison rate schedule, contact your local Refund Home Loans representative. This information is not to be used or relied upon (nor substituted for) financial advice. No warranty is given in respect of this information and Refund Home Loans, its associated companies, agents or employees will not be liable in any way with respect to decisions or actions taken by you having regard to this information.


aaa PROPERTY INVESTMENT ANALYSIS SPREADSHEET 08-Jun-2010 Prepared for: Consultant : Property : Description:

Refund Home Loans Nicholas Kirlew - 0447 499 794 Heliconia 4 Bedroom, 2 Bathroom Turnkey

SUMMARY Assumptions Property value Initial outlay Rent Cap. growth rate Inflation rate Interest rate Taxable income

Projected results over Property value Equity After-tax return /yr IF SOLD Selling costs & CGT Equity After-tax return /yr

$589,000 $41,000 $620 7.59% 3.00% 6.80% $80,000

10 yrs $1.225m $657,950 28.61% $167,873 $490,077 24.98%

COMPUTER PROJECTIONS Investment Analysis End of year Property value Purchase costs Investments Loan amount Equity Capital growth rate Inflation rate (CPI) Gross rent /week Cash deductions Interest (I/O) Property expenses Pre-tax cash flow Non-cash deductions Deprec.of building Deprec.of fittings Loan costs Total deductions Tax credit (single) After-tax cash flow Rate of return (IRR) Pre-tax equivalent

2010 $589,000 $10,137 $41,000 $566,560 $22,440 7.59% 3.00% $620

1yr 612,560

Projections over 10 years 2yr 3yr 5yr 661,565 714,490 833,381

10yr 1.225m

566,560 46,000 4.00% 3.00% 31,595

566,560 95,005 8.00% 3.00% 32,543

566,560 147,930 8.00% 3.00% 33,519

566,560 266,821 8.00% 3.00% 35,561

566,560 657,950 8.00% 3.00% 41,225

6.80% 13.66% $-41,000

38,526 4,405 -11,335

38,526 4,537 -10,520

38,526 4,673 -9,680

38,526 4,957 -7,923

38,526 5,747 -3,049

2.50% $35,340 $8,423

7,363 5,080 1,685 57,058 8,021 -3,314

7,363 7,363 7,363 6,974 4,796 2,474 1,685 1,685 1,685 59,084 57,042 55,004 8,552 7,799 6,928 -1,968 -1,881 -995 Your cost /(income) per week 38 36 19

7,363 810

$80,000 $-41,000 28.61% 47.29%

64

52,446 4,432 1,383 (27)

Disclaimer: Note that the computer projections listed above simply illustrate the outcome calculated from the input values and the assumptions contained in the model. Hence the figures can be varied as required and are in no way intended to be a guarantee of future performance. Although the information is provided in good faith, it is also given on the basis that no person using the information, in whole or in part, shall have any claim against aaa, its servants, employees or consultants..

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