Gold Coast, Pimpama House & Land Packages from $399,000

07 3198 6200

House & Land Packages 2, 3 & 4 bedroom house designs, 1 & 2 storeys, PLUS Duplexes

Gold Coast, Pimpama 5.4 % Rental Yields 1.7 % Vacancy Rate 20 minutes to Surfers Paradise 30 minutes to Brisbane CBD $1billion Coomera Town Centre

Free Conveyancing Professional Fees up to the value of $1,000 * Free Tax Depreciation Schedule valued at approximately $800 * Free additional air conditioner valued at approximately $2,000 * * Conditions apply: contact Probity Investments for more details

Disclaimer: All projections and assumptions are a prediction, and whilst Probity Investments has made every effort to ensure they are based on accurate and reliable information, they may be affected by assumptions that do not necessarily eventuate, or by known or unknown risks and uncertainties. The information in this publication does not represent financial advice and should not be regarded as such. It has been prepared without taking into account your financial situation or investment objectives. You should consider the appropriateness of the information in regards to your current financial situation or needs. Probity Investments Pty Ltd accepts no responsibility for the accuracy or completeness of any such material. The information is subject to change without notice and Probity Investments Pty Ltd is under no obligation to update the information or correct any assumptions which may change over time.

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1

07 3198 6200

Queensland

Queensland is the second-largest and third-most populated state/ territory in Australia.

According to the latest data provided by the Queensland Government, Queensland’s current population sits at 4,740,927 people.

Population Growth

Economic growth

Queensland’s population is projected to double to around 9.4 million people by 2056 and is projected to replace Victoria as Australia’s second most populous state in 2050. The state’s high rate of population growth will be driven by a continued strengthening of both net overseas migration and net interstate migration levels.

Queensland’s economy experienced the second highest average annual growth rate of any Australian state or territory over the last 20 years.

The State’s growth is anticipated to strengthen to 3.25% from 2014 onwards with Asia continuing to be the main driver of growth.

Interstate migration is forecast to increase over the coming years, principally driven by Victoria where housing affordability and economic conditions continue to decline. Net outflows to Western Australia are also forecast to decline commensurate with a weakening of the resources industry boom.

The Queensland State Budget forecasts economic growth of 3 percent in 2013 - 14. This places Queensland with a State growth rate second only to WA and above the national growth rate of 2.75%. Its residential property market is currently in a state of undersupply with an estimated shortfall in dwellings of 26,300 in 2013.

By 2014 this figure is expected to rise by an additional 16,400 dwellings to reach a total stock Migration Rate deficiency of 42,700. This deficiency will result in Queensland is one of only two states forecast to Queensland being the second most undersupexperience positive net interstate migration for plied residential market in the nation. the next four years, averaging 20,000 people per year. This rise is principally underpinned by mi- Looking ahead in Queensland, sustained low ingrants from both New South Wales and Victoria terest rates and stronger population growth are driven to move due to the state’s relative housing expected to strengthen spending in the houseaffordability and strong employment opportuni- hold sector. ties. For the year ended June 2016, the State’s net interstate migration level is forecast to rise from around 10,500 to 19,000.

Source: Resolution Research Strategists © copyright - Probity Investments 2015

2

UNDAL L RD

SURFERS PARADISE

The Gold C Australia’s 07 3198 6200 and attracte Gold Coast GHLAND PARK overnight Defined by its world-class ending Sep CARRARAbeaches, magnificent shopping centres, progressive infrastructure 9 programs and fast growing population, the Gold Coast (GC) is a vibrant beachfront city within domestic a BROADBEACH WATERS South East Queensland, and ranks as the sixth largest city in Australia.

In addition 5 BROADBEACH approximat 10 7 8 CLEAR ISLAND day tripper Population Growth Economic growth 13 WATERS Gold Coast The Gold Coast’s population reached approxiThe Gold Coast MAJOR is widely acclaimed as AustraLIGHT RAIL RAILROAD ROADS mately 538,000 residents during 2012 with siglia’s premier tourist destination and attracted apTOURISM nificantEDUCATION growth realised between 2011. proximately HEALTH 2001 and CULTURAL RECREATION & LEISUREovernight visitors RETAIL 4.4 million during It is expected to reach approximately 650,000 the year ending September 2013 (3,637,000 doby 1the Griffith end of University 2018. This growth is forecast to Palm Meadows Golf Course 9 mestic and 811,000 international).

In addition to continue over the next 20 years to 2031, with these overnight visitors, approximately 6.8 mil2 Pindara Private Hospital Paradise Golf Club 10 Surfers estimated growth of 14,000 new residents per lion domestic day trippers made their way to the 3 Allamanda Private Hospital 11 Southport Golf Club annum.

Gold Coast over the same period.

4 BENOWA

2

BUNDALL

OAST H

G O LD C

WY

Gold Coast University Hospital

5 Gold growth, Coast Convention Centre Population as well & asExhibition the heavy invest6 inRoyal Pines Golf Course ment infrastructure ($8.9 billion) and forecast employment is expected to boost 7 Jupitersopportunity Hotel & Casino economic growth on the Gold Coast.

8 Lakelands Golf Club

POPULATION GROWTH 2002 - 2012

3.0% AVERAGE ANNUAL

22%

POPULATION GROWTH RATE

253

New Residents Per Week

New Residents Aged 20-34 p.a.

▶ More Australians move to Queensland than any other Source: Gold Report 2014the best of state,Urbis with the GoldCoast Coast encompassing what Queensland’s natural assets has to offer. Gold Cost is also forecast to maintain a higher population growth of around 14,000 new residents per annum between now and 2031.

Prepared by Urbis; Source: ABS

12

30,8

Harbourtown

13 Pacific Fair With prestigious beachfront, river front, canal Marina Mirage frontage living options along- Visito 14 front, golf course 15 Australia side acreageFairand traditional lifestyle options, Each tourism becomes a primary economic focus and

by Ur resident population growth bounces back. It Prepared is foreseeable that the Gold Coast residential markets will experience an increase in demand and EMPLOYMENT INFRASTR growth.

Gold Coast employment is projected to increase by over 40 per cent over the next 20 years

$8.9

These two major drivers will promote recovery and leverage off the region’s affordability in comESTIMATED VA parison to other markets. Ultimately, the opportuINFRASTR nity exists within the current market to capitalise TRANSPORT JOBS IN 2031vacancy rates with on competitive prices and low 2011 HEALTH 328,199 of future demandSERVICES 223,725to take advantage an intention and property cycles.

EDUCATION SPORT

5,223

ANNUAL AVE. GROWTH PER ANNUM

Prepared by Urbis; Source: Nieir Employment Forecast

RETAIL LEISURE TOURISM CULTURAL

Prepared by Ur Cordells, Quee

“No other comparably scaled Australian city can credibly claim to double in size over the next 35 years and yet that is precisely the promise of the Gold Coast.”

Bernard Salt, Head of KPMG Demographics

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Gold Coast Major Infrastructure

07 3198 6200

Gold Coast 2018 Commonwealth Games™ (GC2018) Hosting the Gold Coast 2018 Commonwealth Games represents a once-in-a-generation opportunity. There will be several public domain improvements, upgrades to Southport and Broadbeach Malls, tree planting, street-scaping, road and footpath upgrades, community health and safety initiatives. With the attraction of other major sporting events, such as the 2014 Pan Pacific Swimming Championships, major tourism will boost with 100,000+ visitors during GC2018. ◊ $2 billion economic impact ◊ 30,000 Full time equivalent jobs ◊ Global exposure to a television audience of 1 billion+ ◊ National and international sports training camps ◊ $200 million in new sporting and community infrastructure ◊ $270 million+ to state/local economy

(based on figures from the Melbourne 2006 Commonwealth Games).

Gold Coast G:link - the easy way to travel The G:link is a new $1.6bn light rail system that runs 7 days a week, spanning 13 kilometres of the Gold Coast, stopping at 16 tram stations from Broadbeach to the new Gold Coast University Hospital. The Gold Coast G:Link provides the convenience of comfortable and affordable transport to other main attractions of the Gold Coast.

Gold Coast Convention Centre Having recently celebrated ten years of operation the Centre has worked tirelessly on lifting and promoting the destinations profile in conjunction with industry partners through programs and joint efforts to appeal to an international audience. The partnership has resulted in many joint wins including the upcoming World Volunteer Conference which trumped Mexico City and set to bring 1,500 delegates and inject $3 million into the local economy in 2015.

Gold Coast International & Domestic Airport Gold Coast Airport is the only airport in Australia to be in two states at the same time. Only minutes away from the beach and Tweed region in Northern New South Wales, the Gold Coast Airport operates year round on Eastern Standard Time. With seven major airlines flying to and from the Gold Coast Airport, only minutes from Broadbeach and the Gold Coast, making travel and destinations accessible to all. © copyright - Probity Investments 2015

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07 3198 6200

Pimpama

Located in the northern Gold Coast corridor only 24km from Surfers Paradise and 45km from the Brisbane CBD, Pimpama is perfectly positioned to take full advantage of the Gold Coast lifestyle and only a quick commute to Brisbane city. With a low vacancy rate of 1.7% and rental yields of 5.4%, there is clearly a high demand for accommodation stemming from the strong population, employment and economic growth factors.

Population: 3,211 people

55.8% Rental Population

Pimpama, QLD, 4209

34 mins drive to Brisbane CBD

Land Area 4,054 hectares

Coomera Town Centre

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07 3198 6200

Pimpama Major Infrastructure

Coomera Town Centre

The Approx. 680 ha Master Planned Area is located east of the Pacific Motorway & west of the Coomera Marine Precinct.

(Coomera Town Centre Master Planned Area)

Worth an estimated $1 billion, Coomera Town Centre will include a large shopping centre, cinema, two-level department store and artificial beach. Located 5mins drive from Pimpama, Coomera Town Centre incorporates the existing Coomera railway station and Dreamworld. The proposal was approved by the Gold Coast City Council last year and it is expected to be completed in later 2016, along with Commera Interchange construction. It is expected to create 1200 jobs during construction and more than 1600 permanent jobs once the centre opens.

The intent of the Coomera Town Centre Master Planned Area is to create a transit orientated activity centre which focuses on street life and activity, high quality built form which is responsive to a subtropical climate and an interconnected network of public streets and open space areas. Š copyright - Probity Investments 2015

The Queensland Government is providing funding of $47.4 million, together with a $10 million commitment from Australian Government and a $17.3 million contribution from the developers of the Coomera Town Centre.

Coomera Interchange The construction on Stage 2 of Coomera Interchange (Exit 54) on the Pacific Motorway upgrade will begin later this year and will be completed in late 2016, in time for the opening of the new Coomera Town Centre. The new exit would provide direct vehicle access to the new Coomera Town Centre. This upgrade will provide the road infrastructure needed to enable the successful development of the Coomera Town Centre, a welcome boost for jobs and community life in the local area.

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Other Infrastructure

07 3198 6200 Gainsborough Greens Golf Club

Read More Read More

Gainsborough Greens is situated just 5 minutes drive from Pimpama, 25 minutes drive from Surfers Paradise and 35 minutes from Brisbane CBD. The course has been open since 1990, and is recognised among the elite courses in South-East Queensland.

The course is surrounded by 230 hectares of unspoiled natural beauty and encompasses a fauna and flora sanctuary which is home to dozens of Eastern Grey Kangaroos.

Pimpama Junction Shopping Centre Responding to the unprecedented growth in the local area, Pimpama Junction Shopping Centre delivers convenient shopping in a friendly environment, including: • Dine in and take-away restaurants • Bakery and Cafés • Medical, Dental & Pharmacy • Gym and hair & Beauty • Pet care stores • And 3 major bank ATMs

Read More

Gold Coast University Hospital (GCUH) Located at the heart of the Gold Coast Health and Knowledge Precinct which includes the Griffith Health Centre, GCUH is now Australia’s largest hospital with 750 overnight beds, three times larger than the previous Gold Coast Hospital. It provides high quality treatment for patients while also offering world class facilities for health research and teaching. Its emergency department is four times larger than the existing emergency department at Southport, and is supported by a new medical assessment unit.

Major education institutions • Pimpama primary college (2.2 km, 3 mins drive) • Pimpama State Secondary College (7 min drive) • Coomera Anglican College (5.9 km, 6 mins drive) • Griffith University (22.4 km, 17 mins drive) • Bond University (38.2 km, 28 mins drive) © copyright - Probity Investments 2015

7

W W W. CH O I C E H O ME S . CO M .A U

2

Gold Coast House & Land Packages Sustainable growth in population, infrastructure and employment are the three important catalysts of a strong property market, and Pimpama is ticking all three of these boxes.

Choice Homes’ 22 years of achievement and proven performance as one of Queensland’s premier builders has enabled it to secure an enviable land supply in this key location.

With a wide selection of land (lot) sizes and a variety of house designs, including 4 Bedroom, 3 Bedroom and Duplex, you can choose a house & land package to suit your specific budget and requirements.

Buy a new house off-the-plan with 2 separate contracts, i.e. land contract & build contract, and make significant savings by only paying Transfer Duty on the land value.

Or buy one of the completed packages under one contract, suitable for Self-Managed Super Fund (SMSF) investment, and start renting your property right away.

Call Probity Investments on (07) 3198 6201 to discuss your perfect package today, and find out about our VIP Client Incentives.

07 3198 6200

Pimpama Estate (example)

ThE mEAdOwS ThE mEAdOwS WelCOMe to the Meadows

WelCOMe the Meadows Meadows is only about 20 minutesto from surfers Paradise and 30 minutes to brisbane cbd on the M1. that makes commuting to work easy. and a proposed T he Meadows is onlywill about minutes from surfers Paradise and 30 minutes to bus-rail interchange only20make it easier. brisbane cbd on the M1. that makes commuting to work easy. and a proposed bus-rail interchange will only Display makeVillage. it easier. there’s a blend of parkland and There you will find ClOSe to everything The

Imagine your family living so close to ClOSe to everything famous Gold Coast Theme Parks, but in a quietyour setting that’s everything Imagine family living so close to you want it to be.

With schools and famous Gold Coast Theme Parks, but a shopping centre so handy, The in a quiet setting that’s everything Meadows the perfect community you want itisto be.

With schools and for you to build a life for yourself. a shopping centre so handy, The Meadows is the perfect community for you to build a lifeFlexibility for yourself.

CHOICe and The Meadows have taken the headCHOICe and Flexibility ache out of finding a new home with the introduction of ataken Master The Meadows have theBuilders headache out of finding a new home with the introduction of a Master Builders

an ample selection of home designs and friendly staffThere to help Display Village. youyou willcraft find the design you are searching for. an ample selection of home designs and friendly staff to help you craft the you with are searching for. aTdesign HOMe nature

It’s no coincidence The Meadows aT HOMe with nature features a kookaburra in the logo.

LEDA committedThe to preserving It’s no is coincidence Meadows a green buffer through features a kookaburra inthe thevery logo. heart of the estate, so the ‘native LEDA is committed to preserving residents’ also through have a place to call a green buffer the very home.

The LEDA team of dedicatheart of the estate, so the ‘native ed urban designers made residents’ also have has a place to sure call home. The LEDA team of dedicated urban designers has made sure

environmental retreats accessible to every resident.

There’s roomand to kick there’s a blend of parkland a ball, or just kick back and spread environmental retreats accessible to out a picnic blanket.

Allroom lots are fully every resident.

There’s to kick serviced, including natural gas and a ball, or just kick back and spread nBna fibre comout picnicoptic/broadband blanket. All lots are fully munication networks to keep serviced, including natural gasyou and connected.

The Meadows proximnBn fibre optic/broadband comity to the M1 makes ittoideal the munication networks keepforyou Brisbane commute, yet it’s quiet connected. The Meadows proximenough disconnect from work life, ity to thetoM1 makes it ideal for the and reconnect with your family and Brisbane commute, yet it’s quiet community. enough to disconnect from work life, and reconnect with your family and community.

eNQUIRe today

Cnr Cunningham Dr and William Blvd, Pimpama P: 0755 013300 E: sales@choicehomes.com.au W W W. C H O I C E H O M E S . C O M . A U 22 eNQUIRe today Cnr Cunningham Dr and William Blvd, Pimpama P: 0755 013300 E: sales@choicehomes.com.au W W W. C H O I C E H O M E S . C O M . A U 22

Click to view other House & Land Estates

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10

07 3198 6200

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23

11

U r ba n ap p e a l a Ut Umn 2015

Build Design- 3 Bed (example)

07 3198 6200

Call to receive our current list of available House & Land Packages

3

2

2

Dimensions Total Area:

183.5m2

Total Squares:

19.75sq

House width:

14.46m

House length:

17.26m

Features 3 Bedrooms with B.I.R’s Ensuite to Master Bedroom with W.I.R Open plan Family / Dining / Kitchen Covered outdoor entertaining area Modern and stylish facade Modern Kitchen with Breakfast Bar B Double lock-up garage with internal entry Study nook Built-in Laundry Ceiling fans throughout

Note: If image shows Colorbond roof and render this is extra from standard.

External lights are non-standard. House illustration is an artist impression only.

House size is only a guide, measurements may differ in actuality.

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07 3198 6200

Build Design - 4 Bed (example)

Call to receive our current list of available House & Land Packages

4

2

2

Dimensions Total Area:

211.0m2

Total Squares:

22.71sq

House width:

12.60m

House length:

19.41m

Features 4 Bedrooms with B.I.R’s Ensuite to Master Bedroom with W.I.R Open plan Family / Dining / Kitchen Covered outdoor entertaining area Modern and stylish facade Modern Kitchen with Breakfast Bar B Laundry with external access Double lock-up garage with internal entry Ceiling fans throughout

Note: If image shows Colorbond roof and render this is extra from standard.

External lights are non-standard. House illustration is an artist impression only.

House size is only a guide, measurements may differ in actuality.

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13

MPM Property – Parkwood 1/318 Olsen Avenue Parkwood QLD 4214

07Phone: 3198 6200 (07) 5514 5514

Rental Appraisal (example)

Fax: (07) 5514 5500 Email: admin@mpmproperty.com.au Web: www.mpmproperty.com.au MPM Property – Parkwood

1/318 Olsen Avenue Parkwood QLD 4214

Phone: (07) 5514 5514 Fax: (07) 5514 5500 Email: admin@mpmproperty.com.au Web: www.mpmproperty.com.au

23 April 2015

23 April 2015

APPRAISAL OF RENTAL VALUE Pimpama QLD 4209

As the market leader in property management services for investors, MPM Property are proud to offer you a rental appraisal in this premium residential APPRAISAL OF RENTAL VALUE estate.

Pimpama QLD 4209 Key design features of your new Choice Homes Property:

4As Bedrooms Dualservices Living Areas the market leader in property management for investors, MPM Property are proud to offer you a rental appraisal in this premium residential estate.

2 Bathrooms Covered Outdoor Patio

Key design of your new Choice Homes Property: Double Lock features Up Garage Fully Fenced Yard 4 Bedrooms Dual Livingand Areas Our team would be delighted to manage your investment work to ensure your property is achieving the best possible rental price and maximising your return on investment.

2 Bathrooms Covered Outdoor Patio We believe that you could expect to achieve between $440 to $460 per week.

Double Lock Up Garage Fully Fenced Yard As a client of MPM Property we want to ensure you are kept fully updated with the market.

Prior thewould completion of your to investment property (approximately 14 weeks), Our to team be delighted manage your investment and work12to– ensure yourwe property would be happy to provide you with a current update. is achieving the best possible rental price and maximising your return on investment.

We believe that you could expect to achieve between $440 to $460 per week.

If you have any questions we are happy to assist you. Please contact us on 07 5514 5514 or email clientmanager@mpmproperty.com.au. We look forward to talking to with you again As a client of MPM Property we want to ensure you are kept fully updated with the market. soon.

Prior to the completion of your investment property (approximately 12 – 14 weeks), we would be happy to provide you with a current update.

Regards, MPM Property If you have any questions we are happy to assist you. Please contact us on 07 5514 5514 or email clientmanager@mpmproperty.com.au. We look forward to talking to with you again soon.

Regards, MPM Property Jessica King MPM Property Parkwood © copyright - Probity Investments 2015

Contact your Probity Investment Advisor on 07 3198 6200 to discuss your investment decision in more detail.

14

07 3198 6200

Tax Depreciation Estimate (example)

Indicative Tax Depreciation and Capital Allowances Schedule for Choice Homes Typical "Chinderah" House Design

Year

Depreciable Assets $ 3,175 3,600 2,525 1,800 1,300 975 725 550 425 325 1,250

1 (365 Days) 2 3 4 5 6 7 8 9 10 Balance Yrs 11-41 TOTAL

$

16,650.00

$ 6,000 6,000 6,000 6,000 6,000 6,000 6,000 6,000 6,000 6,000 180,000 $

240,000.00

Annual Depreciation

12,000

Total Depreciation Allowance

Capital Allowances

$ 9,175 9,600 8,525 7,800 7,300 6,975 6,725 6,550 6,425 6,325 181,250 $

256,650.00

Apportionment of Costs

10,000

2% 6%

8,000 6,000 4,000

92%

2,000 Assets

1

2

3

4

5

6

7

8

9

Capital Allowances

Not Depreciable

10

Notes: This Schedule is based on a Construction Cost of $261,500 and the assumption that the first year will comprise 365 days*.

This Preliminary Tax Depreciation Schedule is intended to be an indicative representation of the allowances expected on the completion of the above property and is provided for the purposes of Sales and Marketing only. This Schedule has been prepared based on preliminary documentation provided to us and our own indicative calculations and as such is not suitable for the preparation of income tax returns to the Australian Taxation Office.

This Schedule has been prepared in accordance with the current Australian tax provisions and is exclusive of any future amendments thereto beyond the date of this assessment.

Please contact Redline Quantity Surveyors Pty Ltd on 1300 732 667 to arrange for the completion of a detailed Tax Depreciation Schedule suitable for your individual Income Tax requirements. *Adjustment to first year figures based on period of ownership is required prior to cashflow forecasts.

Page 1 7/07/2014

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07 3198 6200

ANALYSIS Cash Flow Analysis - 4CASH bedFLOW (example)

LOT 70 "Pimpama Village" (300 sqm) Stage 12, Pimpama QLD 4209 | Cosmopolitan: 4 bed, 2 bath, DLUG (170.95 sqm) PROPERTY PURCHASE INFORMATION Total Property Purchase Price Land Price (if applicable) Mortgage Loan to Value Ratio (LVR) Mortgage Interest Rate (Interest-Only) Borrowing Costs Government Transfer Duty on Property Other Government Fees Conveyancing Professional Fees Council Rates, Water & Sewerage Body Corporate Fees (Approximate incl. Admin + Sinking Fund) Weekly Rent (Source: MPM Rent Appraisal) Property Management Fees Landlord Insurance Furniture Pack (if applicable)

$ $

$ $ $ $ $ $ $ $ $

TAX ASSESSMENT INFORMATION 449,100 212,000 80% 4.00% 1,500 5,845 449 1,000 1,500 470 8.8% 318 -

ANNUAL HOLDING COSTS

Gross Annual Personal Income (individual / combined) Property Depreciation Estimate (Source: Red Line)

$ $

100,000 8,225

Total Annual Holding Costs (100% tax deductible) plus Allowable Tax Depreciation on Property plus Allowable Tax Deduction on Borrowing Costs

$ $ $

18,340 8,225 300

Annual Property Tax Deductions

$

26,865

Gross Annual Rental Income plus Gross Annual Personal Income

$ $

24,440 100,000

Total Gross Annual Income

$

124,440

Total Gross Annual Income less Total Annual Property Tax Deductions

$ $

124,440 26,865

Annual Taxable Income with the new property

$

97,575

Tax Payable without the new property (excl. Tax Levies) less Tax Payable with the new property (excl. Tax Levies)

$ $

24,947 24,050

Total Tax Savings with the new property

$

897

Total Tax Savings with the new property plus Gross Annual Rental income

$ $

897 24,440

Total Annual Income

$

25,337

TAX CALCULATIONS

Mortgage Repayments Council Rates, Water & Sewerage Body Corporate Fees Property Management Fees Landlord Insurance Other expenses

$ $ $ $ $ $

14,371 1,500 2,151 318 -

Total Annual Holding Costs

$

18,340

Gross Annual Rental Income less Total Annual Holding Costs

$ $

24,440 18,340

Total Annual Income (incl. Tax Deductions) less Total Annual Holding Costs

$ $

25,337 18,340

ANNUAL CASH FLOW

(excl. Tax Deductions)

$

6,100

ANNUAL CASH FLOW

(incl. Tax Deductions)

$

6,997

WEEKLY CASH FLOW

(excl. Tax Deductions)

$

117

WEEKLY CASH FLOW

(incl. Tax Deductions)

$

135

5.4%

ANNUAL CAPITAL GROWTH

1.7%

GROSS RETURN ON INVESTMENT (ROI)

GROSS RENTAL YIELD VACANCY RATE

(Source: SQM May 2015)

(incl. Tax Deductions)

5.5% 10.9%

PROJECTIONS ANNUAL CAPITAL GROWTH

ANNUAL RENTAL INCOME

PROPERTY VALUE

YEAR

INFLATION (%)

-

0

0

$

24,440

$

24,251

1

2.3%

$

25,002

$

562

498,912

$

25,561

2

2.3%

$

25,577

$

575

$

525,854

$

26,941

3

2.3%

$

26,165

$

588

5.4%

$

554,250

$

28,396

4

2.3%

$

26,767

$

602

5

5.4%

$

584,179

$

29,929

5

2.3%

$

27,383

$

616

6

5.4%

$

615,725

$

31,546

6

2.3%

$

28,013

$

630

7

5.4%

$

648,974

$

33,249

7

2.3%

$

28,657

$

644

8

5.4%

$

684,019

$

35,045

8

2.3%

$

29,316

$

659

9

5.4%

$

720,956

$

36,937

9

2.3%

$

29,990

$

674

10

5.4%

$

759,887

$

38,932

10

2.3%

$

30,680

$

690

YEAR

GROWTH (%)

GROWTH ($)

0

0.0%

$

449,100

$

1

5.4%

$

473,351

2

5.4%

$

3

5.4%

4

RENTAL

GROWTH ($)

INCOME

DISCLAIMER: This Cash Flow Summary involves projections and assumptions that can be affected by a number of unforeseen variables. The forecasts and assumptions are a prediction, and whilst Probity Investments has made every effort to ensure they are based on reasonable information, they may be affected by assumptions that do not necessarilly eventuate, or by known or unknown risks and uncertainties. It should be noted that past performance is not necessarilly a reliable indication of future performance. The information in this publication does not represent financial advice and should not be regarded as such. It has been prepared without taking into account your financial situation or investment objectives. You should consider the appropriateness of the information in regards to your current financial situation or needs. Probity Investments Pty Ltd accepts no responsibility for the accuracy or completeness of any such material. The information is subject to change without notice and Probity Investments Pty Ltd is under no obligation to update the information or correct any assumptions which may change over time.

Š copyright - Probity Investments 2015

16

Purchase Process EXPRESSION OF INTEREST :

07 3198 6200

Once you have selected your property, simply email or fax Probity Investments with your completed Expression of Interest (EOI) form and Payment Confirmation of the $1,000 Initial Deposit Payment of your Initial Deposit can be made by Cheque or by Electronic Funds Transfer (EFT) to the Trust Account details shown on the EOI form. This will secure your chosen property and take it off the market whilst your contract documents are prepared and delivered to you for signing.

Note: your initial deposit will be 100% refunded to you if you terminate the transaction before your Contract of Sale is fully executed by all parties.

CONTRACTS :

Upon receipt of your EOI and Initial Deposit, contracts will be printed and express posted in hard copy format to your nominated address.

From the date you receive your contracts, you have ten (10) business days to review, complete, sign and return all documents to Probity Investments. If your documents are not received by this date, and no extension has been requested and approved, the property will be returned to the open market and may be sold to another purchaser.

Upon receiving your signed contracts, they will be counter-signed by the property developer for the land contract, and the builder for build contract. A fully executed copy of your Land Contract will be sent to your nominated Solicitor to prepare for land settlement. And a copy will also be sent to you, the Buyer, along with a copy of the fully executed Build Contract, for your own records.

FINANCE :

For separate house & land contracts, finance is usually 21 days (4 weeks) from the Contract date, i.e. the date that all parties have signed the contracts. For single contracts (10-90/off-the-plan purchases) there is no finance clause, only the 5 day cooling off period.

LAND SETTLEMENT :

Land settlement is generally 14 days from land registration and/or unconditional finance, at which time you are required to pay the total land price as per your land contract.

CONSTRUCTION :

Once land settlement has been completed, your HIA Build Contract will then take effect.

Construction time is generally 16-18 weeks from commencement, but please refer to the HIA Build Contract to understand all relevant clauses pertaining to your specific build.

Progress payments are the standard method for payment for most HIA Build Contracts. Refer to your contract, or contact Probity Investments, for further explanation of the Progress Payment System.

Once construction is completed, you should engage an independent building inspector prior to handover. A recommended company for this is Handovers. com. Once satisfied, the keys to your new home will be handed to you or your nominated property manager.

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House and Land Timeline07 3198 6200 Start

PROPERTY SELECTION

Pay $1000 refundable deposit into trust account to reserve the house and land package. Referrer request paperwork from Choice Homes.

1 week

PAPERWORK - Referrer/Agent signs Contracts with Client & returns to Choice. - Contracts are subject to finance and a cooling off period.

Choice Homes managers are industry qualified, experienced, and are contactable seven days a week, 24 hours a day to assist.

2 weeks

Choice Homes process the contracts and counter sign and then post copies to Financier, Solicitor, and Client.

Administration and client support is a very integral part of the Choice Homes service.

4 weeks depends on land registration

HOME LOAN & FINANCE - Financier chases Unconditional finance approval for client. - Extension requests? (Up to the client to obtain as soon as possible) Letter from the lender and clients solicitor.

LAND SETTLEMENT - Generally 2 weeks from land registration. Client settles the full amount of the land

and 5% build deposit due to Choice Homes.

Following this progress payments begin to Choice Homes set out by the standard Housing Industry Association build contract. Choice Homes construction process starts when the client has taken ownership of the land. This is when the timeframe in number of days, on the contract will commence.

CHOICE HOMES CONSTRUCTION STARTS 6-7 months

Build Time Approx.

16 - 18 weeks’ After council approvals (as per HIA Build contract)

Working drawings Soil test BUILDING STAGES Base – Frame – Enclosed – Fixing – Practical Completion Contour survey Council Approval Various Building and Covenant Approvals Client support during the construction period is maintained by way of regular communication via innovative client website login, e-mail, telephone.

HANDOVER – BUILDING COMPLETE Prior to handover of each home, two inspections are carried out via outsourced to an independent company to ensure stand alone and non-biased quality assurance..

PROPERTY MANAGEMENT – MPM property Management or other, will secure a tenant to rent the home.

2 Years

ONGOING SUPPORT – Choice Homes Clients for Life Philosophy -

Choice Homes has implemented a two year after sales communication program – this offers information and support. We also have an in-house maintenance department to to ensure an effective, consistent and reliable service.

Please Note that this is for guide purposes only please contact your choice homes client manager if you wish to clarify this schedule further.

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About Choice Homes Since 1993, family owned and operated Choice Homes, have been building affordable housing in Queensland’s most popular suburbs.

A leader in investment building, Choice Homes employs approximately 65 full time staff, with an additional 3800 indirectly employed in the field.

Owner Troy Knight takes an active role in the running of the business and oversees its strategic direction.

properties under construction. This shows the location, house type and stage of completion during the building process, providing potential buyers with much needed transparency and the opportunity to see first hand how construction is managed.

Day to day operations are taken care of by experienced personnel running the four operational divisions of Land Acquisitions, Sales, Administration and Construction. The company derives its income from high volume / low margin construction, with our customer base comprised of investors, owneroccupiers and international buyers.

A range of designs are available, featuring openplan living, modern styles including outdoor alfresco pergola areas or courtyards. Customers are offered a choice of colour selections and provided with complimentary photos throughout construction as a matter of course.

The company derives its income from high volume / low margin construction with our customer base being roughly 74% investors, 25% owner-occupiers with the remaining 1% being international buyers.

Choice Homes employs Site Managers’ who engage subcontractors, oversee construction and provide feedback to our buyers. Construction is undertaken by way of a contractor/ subcontractor relationship and turn-around for completion is generally 16 weeks.

Choice Homes is uniquely placed in the market with turn-key house and land packages including garden landscaping and internal fittings. These items are often quoted as “extras” by our competitor’s, but are considered essential by the Choice Homes team.

Individual house prices are between $175,000 and $350,000 and, as the company has a considerable land bank upon which to draw, are located in some of Queensland’s most desirable locations.

Rather than build display homes with additional features that are not actually part of the package offered, the company releases a monthly list of

Choice Homes is well-positioned to remain at the forefront of residential investment building in Queensland and will go from strength to strength.

Choice Homes

TURN-KEY

SPECIFICATIONS Choice Homes offers a variety of house plans and inclusions tailored to your needs, and sited to the size and shape of your allotment - maximising your lands potential.

Whether you require an extra bedroom or an extended outdoor alfresco area, we can create an individual plan to suit your requirements. Included at no extra cost are the following turn-key inclusions: • Fully landscaped

• S/Steel Dishwasher

• 1.8m good neighbour fencing

• S/Steel Rangehood

• Exposed aggregate driveways

• S/Steel Wall Oven

• Colorbond Fascia, guttering & downpipes

• Downlights and Oyster lights throughout

• Vertical Blinds throughout

• Flickmixer Taps throughout

• Ceramic floor tiles to family areas, hallways and entry

• Dual Flush Toilets

• Ceiling fans throughout • 2.5 horsepower reverse cycle air conditioning • 8 Colour Scheme choices

• Flyscreens to all windows • Keyed window locks to all windows • 5-star Energy Rating

PROTECTION

for every Choice Home

6 STAR ENERGY RATING New sustainable housing laws.

A 6-star energy equivalence rating requirement for houses in Queensland is being implemented from 1st May 2010. To limit household energy use in heating and cooling, State Governments have introduced minimum construction requirements which will not only make your home more comfortable to live in, but will also provide you with ongoing savings on energy bills because your home will use less energy for artificial cooling and heating.

To gain this compliance, all of our new homes constructed will utilise some or all of the following to achieve a 6-star Energy Rating: • Walls R-Value of R1.0 (Sisalation) • Ceiling R-Value of R2.5 • Heat Pump Hot Water System (250lt) • Window Tinting • 80% energy efficient Lighting • Light coloured roofing • Ceiling Fans

A personalised DVD

OF YOUR HOME

As an added bonus to our already value packed specification, Choice Homes will supply you with a DVD of your finished home upon completion.

Choice Homes have engaged the services of a professional film crew to shoot and produce a 2 – 3 minute DVD of your home.

This will give you the opportunity to view your finished property and share the experience with family and friends.

Choice Homes feel the need that in the event that you can’t make it to the property to see, touch and feel your investment, the next best thing would be to send you a DVD of your home upon completion.

This will allow you to view the property in its finished state and give you the realisation that the contracts and plans you signed have now become a reality, completing part of your investment program. All you

need to do now is let your investment work for you!

The DVD will be mailed to you within a few days after the house has been checked by quality control and the crew has had the first available opportunity to film and produce.

Choice Homes have been utilising these DVD’s for the past six months and feedback from the owners has been overwhelming.

You won’t find the DVD offer listed in the specification however everyone that purchases a Choice Homes will receive this benefit.

Note: Not available in Mackay.

frame stage

Complimentary services during

27/09/09

CONSTRUCTION Throughout the construction of our mutual clients homes, there will be a dedicated Client Support Officer to assist with any queries the client may have in regards to the construction process.

Choice Homes will keep our mutual clients updated with regular correspondence in the form of letters/emails detailing construction status, and photographs throughout the course of the construction of their home.

All communication will be copied to yourself to assist with the monitoring of your clients’ homes. You will have access via Choice Homes web site to view photographs as the construction progresses.

completion

stage

Property Management recommendation

07 3198 6200

Peace of Mind with your Investment Property As the preferred agency for Choice Homes, MPM Property are proud to offer a unique opportunity for Probity Investment Clients. Receive the following exclusive benefits when you construct a Choice Homes Investment Property and appoint MPM Property as the managing agents: 6 Month Extended Choice Homes Warranty (Exclusive to MPM Clients) Guaranteed Rent Return of 4% of the Purchase Price for 1st Year $5 Per Week Guaranteed Rent Increase on Market Rent on Years 2 & 3 MPM Property are proud of our unique and beneficial Property Management structure, and constantly strive to ensure your asset is properly managed, by an experienced and passionate team. MPM Property are committed to providing quality tenants, minimising vacancy periods and providing owners with peace of mind.

mpmproperty.com.au

www.probityinvestments.com P: 3198 6200 | E: enquiries@probityinvestments.com | Fax: 07 3198 6220 Gold Coast

|

Ipswich

| Mackay

For further information and full terms of the Guarantees, please contact MPM Property.

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Finance

07 3198 6200 Financing off-the-plan House and Land (H&L) is generally a more complex transaction than purchasing an established property. But off-the-plan H&L can deliver greater financial benefits, such as much lower transfer duty, as it’s calculated on the land price only.

Also more tax depreciation, and the potential of a greater capital gains for the right investment projects and locations. A new home will require fewer repairs and less maintenance, which can save both money and time. New homes are more attractive to tenants, providing increased rent returns.

Impact Finance specialises in off-the-plan property finance. We have strong contacts within the lending market and have been able to secure highly competitive rates as low as 4.13% for many of our clients. Of course this will depend upon a number of factors that will be subject to your individual financial position and the application process, but there has never been a better time to finance property in Australia.

We will guide you through the entire process; from choosing the right lender and finance products tailored to your unique circumstances, through to ensuring a smooth settlement process on your land, and all the way through the progress payments for the construction stages and hand-over of your brand new house. And…

• We’re FREE… no fee is charged to you, the client, • We know and understand the myriad of bank for our service!! credit policies and niches and can point you in the right direction the first time.

• We offer advice around structuring your debt to achieve the best outcome for you taking into • Importantly; we will tell you things that the banks account any applicable tax deductions and inter will never tell you!! est savings that are available.

• We seek out and find some of the most attractive interest rates and packages available.

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Our Recommendation

07 3198 6200

South East Queensland has become the focus of many investors and first home buyers who have been priced out of the Sydney and Melbourne property markets. Savvy investors are looking for new growth locations in South East Queensland, to capitalise on the billions of dollars being spent by Local, State and Federal Government on new and improved infrastructure to accommodate and stimulate population growth and employment.

Pimpama is perfectly located only 20 minutes from Surfers Paradise and 30 minutes to the Brisbane CBD via the M1 highway. That makes commuting to work easy. And the new busrail interchange will only make it easier. Weekend getaways are a breeze as well. The Gold Coast hinterland is easily accessible and so is the Coomera Marina. Locations like this don’t come around that often, and it’s evident by the extremely low 1.7% vacancy rate that Pimpama is a highly sought after location to live.

With house & land packages starting from as low as $399,000, Choice Homes presents an opportunity to buy and/or build a high quality new house on your chosen block of land in one of the new estates close to the new Coomera Town Centre. This major new infrastructure project will drive rental demand and rent returns during construction phase, through to the opening and ongoing operation of the multitude of retail and commercial businesses.

If you were clever enough to buy at Springfield Lakes in the western corridor of Brisbane, or North Lakes in the northern corridor, before the surge in population, employment and infrastructure drove property prices up, you would be very happy indeed. This is a golden opportunity that you really can’t afford to miss.

Contact our office today to find out more about the available packages and our VIP Client Incentives. Or arrange a time to meet at the Choice Homes display house to see the quality of their products first hand, and for a guided tour of the area.

Have a great day !!

Jeremy Foster Managing Director & Licensee Probity Investments Pty Ltd © copyright - Probity Investments 2015

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