Gold Coast, Emerald Lakes Villas from ONLY $ 464,900

07 3198 6200

“The Residences” Emerald Lakes Prestige Gold Coast living, offering a luxury resort lifestyle

Snap Shots

Cash flow positive by up to $8,775 in year one

Situated in a private enclave on the highest point within Emerald Lakes, close proximity with international renowned golf course and with all amenities at your doorstep, The Residences provide a range of stunning 2 & 3 bed villas with an Exceptional Investment opportunity .

PROPERTY TYPES: PRICE RANGE: CAPITAL GROWTH: RENT YIELD: VACANCY RATE: TOTAL R.O.I.:

2 & 3 Bedroom Villas From $464,900 5.6 % 6.1 % 0.9 % 11.7 %

Hill Top Villas - Expected to be completed by Dec 2016 Hill Side Villas - Expected to be completed by May 2017

© copyright - Probity Investments 2015

1

Queensland

07 3198 6200

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 4,805,140 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. Throughout the year, an annual 2% growth rate has been recorded in Queensland, which was higher than the national rate growth (1.8%). 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.

The Queensland State Budget forecasts economic growth of 6 percent in 2015 - 16. 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.

Migration Rate

With 41 projects that have a value of more than $500 million each, Queensland’s economy is expected to grow very strongly. Having the biggest infrastructure pipeline of all states, Queensland’s major projects have the potential to generate almost 100,000 direct jobs plus additional indirect jobs. Furthermore, there are 10 major tourism projects with a combined value of $30 billion and 13 major mining projects with a combined value of $63 billion scattered up and down along Queensland’s coastline.

Queensland is one of only two states forecast to experience positive net interstate migration for the next four years, averaging 20,000 people per year. This rise is principally underpinned by migrants from both New South Wales and Victoria driven to move due to Queensland’s relative housing affordability and strong employment opportunities. For the year ended June 2016, the State’s net interstate migration level is forecast to Looking ahead, Queensland is expected to continue to outstrip the national growth. Sustained rise from around 10,500 to 19,000. low interest rates and stronger population growth Net overseas migration has an immediate impact are expected to strengthen spending in the on the demand for housing as migrants require household sector. some form of housing on arrival, whether as renters (in most instances) or as owner-occupiers.

Source: Resolution Research Strategists, Australian Property Investor Sept 2015, QLD Government Statistican’s Office

© copyright - Probity Investments 2015

2

Gold Coast

07 3198 6200

Defined by its world-class beaches, magnificent shopping centres, progressive infrastructure programs and fast growing population, the Gold Coast (GC) is a vibrant beachfront city within South East Queensland, and ranks as the sixth largest city in Australia.

Only 1 hour drive from Brisbane, with access to two international airports, the Gold Coast is perfectly positioned as a destination for business, investment, study, sport, events, tourism and lifestyle.

The Gold Coast stretches along 57 kilometres of coastline and is home to over half a million people.

Population Growth

With prestigious beachfront, river front, canal front, golf course frontage living options alongside acreage and traditional lifestyle options, tourism becomes a primary economic focus and resident population growth bounces back. The Gold Coast residential property market is currently experiencing an increase in demand and growth.

The Gold Coast’s population reached approx.

538,000 residents during 2012 with significant growth realised between 2001 and 2011, when population increased by around 13,000 residents per annum. This growth is forecast to continue over the next 20 years to 2031, with estimated growth of 14,000 new residents per annum.

There will be an estimated 320,000 additional Population growth, as well as the heavy investment in infrastructure ($13.5 billion) and forecast people to call the city home by 2035. employment opportunity is expected to boost economic growth on the Gold Coast.

Economic growth

These major drivers will promote recovery and leverage off the region’s affordability in comparison to other markets. Ultimately, the opportunity exists within the current market to capitalise on competitive prices and low vacancy rates with an intention to take advantage of future demand and The Gold Coast economy has grown from a plat- property cycles. form of tourism and construction to an economy valued at over $25.2 billion. As host city for the Click for ”Future Gold Coast” video Commonwealth Games in 2018, the Gold Coast city is undergoing over $13.5 billion in major infrastructure projects, transforming this young city into a world-class destination.

The Gold Coast is widely acclaimed as Australia’s premier tourist destination and attracts over 12 million visitors and approximately 12,500 new residents each year, making it one of the fastest growing cities in Australia.

“The Gold Coast will double its population to 1.2 million people by 2050, and the city must be willing to hunt down big business to make the most of the growth - Demographer Bernard Salt Source: Gold Coast Convention & Exhibition Centre, Urbis Gold Coast Report 2014 , Australia’s Gold Coast

© copyright - Probity Investments 2015

3

Gold Coast Major Infrastructures Gold Coast 2018 Commonwealth Games™ (GC2018)

07 3198 6200 Click for Video

Hosting the Gold Coast 2018 Commonwealth Games represents a once-in-a-generation opportunity. In preparation, the Queensland Government will deliver three new competition venues and undertake major upgrades to a further seven venues. 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. GC2018 will generate an approximate $2 billion economic impact and create up to 30,000 full-time jobs and $500 million new transport and community infrastructure. ◊ Boost major tourism with 100,000+ visitors ◊ Global exposure to a television audience of 1 billion+ ◊ National and international sports training camps ◊ Over $100 million of upgrades to existing sporting facilities ◊ $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 Health & Knowledge Precinct

The 200ha Gold Coast Health and Knowledge Precinct (GCHKP), located at Parklands in Southport, is “a vibrant community where people live, learn and work”, which includes a new $1.76 billion worldclass teaching Gold Coast University Hospital and the $150 million Griffith Health Centre. The next stages of the precinct’s growth include development of a $210 million Gold Coast private hospital and the 2018 Commonwealth Game Athlete Village at Parklands. It is expected that the GCHKP will strengthen and diversify the Gold Coast economy and create more than 9,200 jobs.

Source: Resolution Research Strategists, www.gc2018.com, www.goldcoast.qld.gov.au © copyright - Probity Investments 2015

4

Gold Coast Major Infrastructures

07 3198 6200

Gold Coast Light Rail & Rail Extension

Click for Video

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 and enhanced connectivity between key employment nodes and residential precinct throughout the Gold Coast.

On the other hand, the Queensland State Government commenced preliminary investigations relative to the delivery of Stage Two of the Light Rail system in 2015 which will extend the current route to connect with Queensland Rail’s Helensvale Station. The completion of Stage Two of this project will deliver a link between the Gold Coast and greater South-East Queensland which is expected to result in unprecedented economic benefits, increased population growth which, in turn is likely to underpin strong growth in underlying dwelling values throughout the region.

Broadwater Marine Project

Click for Video

Located at the coastal centre of the city, the Broadwater is the Gold Coast’s marine tourism hub which presents an excellent opportunity for a cruise ship terminal. The Broadwater Marine Project proposed a cruise ship terminal on th eastern side of Wave Break Island which would substaintially enhance the existing tourism offer and provide a wonderful showcase of Gold Coast. The terminal building will be a purpose built facility to support the movement of over 1,500 passengers per hour, customs and immigration facilities and a multi-functional space that can be used for events and other purposes.

Source: Resolution Research Strategists, www.goldcoast.qld.gov.au, www.broadwatermarineproject.com.au

© copyright - Probity Investments 2015

5

Emerald Lakes

07 3198 6200

Located in the heart of Gold Coast, only 8km from Surfers Paradise and 45 minutes drive from Brisbane, Emerald Lakes is a landmark master-planned community combining residential, commercial and recreational amenities in conjunction with hosting one of the the Gold Coast’s most renowned 18 hole Champion Golf Courses.

Emerald Lakes is surrounded by a wide choice of education facilities ranging from day-care centres and pre-schools through to world-class universities, well serviced by numerous health and medical facilities and with close proximity to shopping centres (Village Centre), sport bar, restaurants, tennis club and premium golf courses. The area offers a prestige Gold Coast luxury living.

Population Growth At the time of the 2011 Census, Carrara (containing Emerald Lakes) was home to just over 11,500 persons and comprised of 4,980 private dwellings. According to the Queensland Government Statistician’s Office, the population of Carrara is projected to grow by over 3,290 persons by 2036.

Available land for the development of new dwellings will constrict the area’s population growth with limited opportunities available for the provision of new dwellings. Consequently, there is a high level of demand for new dwellings within Emerald Lakes.

Source: Resolution Research Strategists © copyright - Probity Investments 2015

6

Emerald Lakes Major Infrastructures

07 3198 6200

Carrara Sport Precinct

Click for Video

Carrara Sport Precinct Redevelopment construction commenced in February 2015 and is scheduled for completion in early 2017

Located only 950m away from Emerald Lakes, being one of the major sport venues for 2018 Gold Coast Commonwealth Game, Carrara Sport Precinct is under a massive redevelopment in order to cater for elite and community sporting groups as well as provide a range of amenities for public use.

The $122 million Carrara Sports Precinct redevelopment will be delivered as four key projects including the new Carrara Sports and Leisure Centre, upgrades to the Carrara Indoor Stadium, upgrades to Carrara Outdoor Stadium, and general precinct upgrades such as improvements to existing sports fields. The project is expected to create more than 350 full time equivalent jobs during construction.

“These projects aren’t just about the Commonwealth Games, they’re creating jobs and they’re helping strengthen the regional economy.”

The Qld Premier, Annastacia Palaszczuk (Apr 2015)

Palm Meadows Golf Course (1.7 km) Residents of Emerald Lakes are spoiled for choices for where to swing their golf clubs, with the Emerald Lakes Golf Club only 650m away, and the internationally renowned Palm Meadows Golf Course only 2km away by car or a short walk through the parks.

Read More © copyright - Probity Investments 2015

The challenging 350 hectare course was designed by leading Australian golfer Graham Marsh. Par 72 measures 6319 metres off the championship tees.

Water comes into play on 14 holes and there are 82 sand bunkers.

7

The Residences encompass 125 exclusive two and three bedroom villas which come with a choice of layouts,

07 3198 6200

contemporary colour palettes and high-end finishes to suit all tastes. With unmatched privacy and far-reaching views, walking distance to Emerald Lakes Town Centre, Tennis Centre, restaurants & bars, driving range and 13km of lake front walking & cycling tracks, The Residences is truly a place to call home.

2 Bed, 3 Storey Villas

3 Bed, 2 Storey Villas

FROM $464,900

FROM $549,900

Š copyright - Probity Investments 2015

8

Location Map 1

Š copyright - Probity Investments 2015

07 3198 6200

9

Location Map 2

07 3198 6200

&

Bond University

Š copyright - Probity Investments 2015

10

07 3198 6200

Site plan Type A 3 Bed 3 Storey 704 8 7002

7003

7004

7006

7028 7030

7031

7032

7026

12 70

Type C4 3 Bed 2 Storey

43 70

7029

7027

11 70

Type C3 3 Bed 2 Storey

44 70

10 70

Type C2 3 Bed 2 Storey

7033 7034

Type D 2 Bed 3 Storey

7025

7038

7037

7035

7036

7024

Type Dm 2 Bed 3 Storey Type D1 2 Bed 3 Storey

7023

Type D2 2 Bed 3 Storey

7022

14 70

7021

7020

7019

Type D3 2 Bed 3 Storey

16 70

17 70

7018

Hill Top Villas

51 70

7008

N

45 70

Type C1 3 Bed 2 Storey

09 70

PANO

7007

46 70

Type C 3 Bed 2 Storey

7005

47 70

RAMA

Type B 3 Bed 2 Storey

50 70

DRIVE

7001

49 70

Type A1 3 Bed 3 Storey

7040

7041

7042

13 70

7039

15 70

Type D4 2 Bed 3 Storey

PANORAMA

7574

7573

7572

7571

7570

DRIVE

7569

7568

7567

5 756

7566

4 756

3 756

2 756

ENUE

7550

7552

7551 7548

7547

7553

7554

7546

7555 7556 7544

7545

7543

GRAN

D AV

7549

7531 7530

7501

7532 7529

7502

7503

7528

8 755

7557

1 754

7526

7505

7506

7507

7534

7525

7508

0 754

36 75

7524

7504

9 753

8 753

7542

7533 7527

9 755

Hill Side Villas

1 756

0 756

7509

7523

7510

7535

21 75

20 75

37 75 18 75

19 75

7522

7511

7512

7513

14 75

15 75

16 75

17 75

Artistic representation only. Final product may differ from that illustrated.

Š copyright - Probity Investments 2015

11

Floor plan - Type A (example)

07 3198 6200

**Click here for All Villas floor plans

Š copyright - Probity Investments 2015

12

Floor plan - Type B (example)

07 3198 6200

**Click here for All Villas floor plans

Š copyright - Probity Investments 2015

13

07 3198 6200

Floor plan - Type C (example) **Click here for All Villas floor plans

Š copyright - Probity Investments 2015

14

Floor plan - Type D (exmaple)

07 3198 6200

**Click here for All Villas floor plans

Š copyright - Probity Investments 2015

15

Schedule of Inclusions, Fixtures & Fittings

07 3198 6200

The Residences Emerald Lakes Executive Schedule of Finishes

Flooring Balcony

Ceramic tiles

Living/Dining/Bedrooms

Godfrey Hirst carpet

Kitchen

Ceramic tiles

Bathroom Bathroom Wall

Ceramic tile to skirting, splashback and shower alcove

Bathroom Floor

Ceramic tiles

Kitchen Joinery Kitchen Cupboards

Laminate Finish

Island Bench

Reconstituted Stone (only applicable if island bench is already included with contracted townhouse type)

Overhead Cupboards

Laminate Finish

Kitchen Benchtop

Reconstituted Stone

Kitchen Splashback

Laminate Finish

Bathroom Joinery Vanity Benchtop

Reconstituted Stone

Vanity Cupboard

Laminate Finish

Bedroom Robe Doors

Sliding

Kitchen Appliances / Accessories Sink

Single Bowl Stainless Steel

Sink mixer

Grohe Cosmopolitan G'neck Kitchen Mixer

Cooktop

Elba Electric Cooktop

Oven

Elba 60cm Oven

Rangehood

Elba 60cm Slideout Rangehood (Recirculating).

Dishwasher

Elba Dishwasher

Bathroom Taps and Sanitary Items Basin

Villeroy + Boch Architectura Rect.UC Basin

Basin Mixer

Grohe BauLoop Basin Mixer

Executive Finishes Schedule – Rev A

19 March 2015

Doc ID 275656353/v1

Š copyright - Probity Investments 2015

16

Schedule of Inclusions, Fixtures & Fittings

07 3198 6200

(Continue)

The Residences Emerald Lakes Executive Schedule of Finishes Shower Tapware

Grohe BauLoop Shower Mixer

Shower Screen

Semi-frameless safety glass panels and door

Toilet Suite

Mode Wall Faced Close Coupled

Services Mechanical

Reverse cycle air conditioning Exhaust to bathroom Re-circulating kitchen exhaust

Electrical

Power outlets to kitchen, living, bedrooms, laundry Telephone to living TV outlets for free to air in living and master bedroom

Exclusions

Laundry exhaust Water or power to balconies Water data to fridge

Subject to Variations and substitutions in accordance with Contract Terms.

Executive Finishes Schedule – Rev A

19 March 2015

Doc ID 275656353/v1

Š copyright - Probity Investments 2015

17

Current Rent Appraisal

07 3198 6200

CAPITAL GROWTH & RENTAL RETURN PROSPECTS Early indicators suggest that the Gold Coast market has now leveled out and is poised to witness growths in values across its residential market, underpinned by the immense investment in largescale infrastructure projects resulting in the creation of thousands of new jobs and favourable underlying market fundamentals. For the year ended June 2015 demand for attached dwelling’s throughout the Gold Coast was at its highest level since 2008 demonstrating overall market confidence throughout the region.

Independent Rental appraisal by Superior Property Emerald Lakes on 16 Oct 2015: 3 Bedroom Villas: $560 - $590 p/w 2 Bedroom Villas: $460 - $480 p/w An analysis of median price growth throughout the suburb’s market reveals that for the past five financial years to June 2015 together with the 3 months to September 2015, values have grown at an impressive average annual rate of 4.1%. Between the year ended June 2014 and September 2015 median values have increased by 9%. This rate growth has been more than 4 times that recorded throughout the greater Gold Coast over the same time period. A trend analysis of the growth in median values of attached dwellings throughout Carrara shows that over the past five financial years to June 2015 together with the three months to September 2015 values have increased by just over $11,000 per annum.

© copyright - Probity Investments 2015

18

07 3198 6200

Cash Flow Analysis - Type B (example) CASH FLOW ANALYSIS "THE RESIDENCES" EMERALD LAKES, CARRARA, QLD 4211

Lot 7527: Type B, 2 Storey, 3 Bed, 2 Bath + Powder Room, 2 Car: Total Area: 207 square metres PROPERTY PURCHASE INFORMATION Total Property Purchase Price Land Price (If applicable) Mortgage Loan to Value Ratio (LVR) Mortgage Interest Rate (Interest-Only) Borrowing Costs Transfer Duty on Property + other Government Fees Government Concessions (If applicable) Conveyancing Professional Fees Council Rates, Water & Sewerage Body Corporate Fees (Includes: Insurance, Admin + Sinking Fund) Weekly Rent (Source: Superior Property) Property Management Fees (Source: Superior Property) Landlord Insurance (Source: Suncorp Insurance) Furniture Pack (If applicable)

TAX ASSESSMENT INFORMATION

$ $

549,900 80% 4.50% 1,500 19,293 1,000 1,800 2,285 590 7.5% 318 -

$ $ $ $ $ $ $ $ $

Gross Annual Personal Income Property Depreciation Estimate

(Individual / Combined) (Source: Napier & Blakely)

TAX CALCULATIONS

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

Annual Property Tax Deductions

Gross Annual Rental Income plus Gross Annual Personal Income

Total Gross Annual Income

100,000 16,300

$ $ $

26,500 16,300 300

$

43,100

$ $

30,680 100,000

$

130,680

$ $

130,680 43,100

$ $

24,947 20,352

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

$ $

4,595 30,680

Total Annual Income

(incl. Tax Deductions)

$

35,275

Total Gross Annual Income less Total Annual Property Tax Deductions

Annual Taxable Income with the new property

ANNUAL HOLDING COSTS

$ $

$

87,580

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

$ $ $ $ $ $

19,796 1,800 2,285 2,301 318 -

Total Annual Holding Costs

$

26,500

Gross Annual Rental Income less Total Annual Holding Costs

$ $

30,680 26,500

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

$ $

35,275 26,500

ANNUAL CASH FLOW

(excl. Tax Deductions)

$

4,180

ANNUAL CASH FLOW

(incl. Tax Deductions)

$

8,775

WEEKLY CASH FLOW

(excl. Tax Deductions)

$

80

WEEKLY CASH FLOW

(incl. Tax Deductions)

$

169

GROSS ANNUAL RENTAL YIELD

(Source: Resolution Resource Strategies, Emerald Lakes Suburb Profile, October 2015)

VACANCY RATE (Source: Australian Property Monitors via A.P.I. magazine December 2015)

6.1% 0.9%

Tax Payable without the new property less Tax Payable with the new property

(excl. Tax Levies) (excl. Tax Levies)

Total Tax Savings with the new property

3 YEAR AVERAGE ANNUAL GROWTH

(Source: Australian Property Monitors via A.P.I. magazine December 2015)

GROSS RETURN ON INVESTMENT (ROI)

$

4,595

5.6% 11.7%

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.

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

Email: enquiries@probityinvestments.com | Fax: 07 3198 6220

Š copyright - Probity Investments 2015

19

07 3198 6200

Cash Flow Analysis - Type C (example) CASH FLOW ANALYSIS "THE RESIDENCES" EMERALD LAKES, CARRARA, QLD 4211

Lot 7002: Type C, 3 Storey, 3 Bed + Study, 2 Bath + Powder, 2 Car: Total Area: 190 square metres PROPERTY PURCHASE INFORMATION Total Property Purchase Price Land Price (If applicable) Mortgage Loan to Value Ratio (LVR) Mortgage Interest Rate (Interest-Only) Borrowing Costs Transfer Duty on Property + other Government Fees Government Concessions (If applicable) Conveyancing Professional Fees Council Rates, Water & Sewerage Body Corporate Fees (Includes: Insurance, Admin + Sinking Fund) Weekly Rent (Source: Superior Property) Property Management Fees (Source: Superior Property) Landlord Insurance (Source: Suncorp Insurance) Furniture Pack (If applicable)

TAX ASSESSMENT INFORMATION

$ $

599,900 80% 4.50% 1,500 21,703 1,000 1,800 2,327 590 7.5% 318 -

$ $ $ $ $ $ $ $ $

Gross Annual Personal Income Property Depreciation Estimate

(Individual / Combined) (Source: Napier & Blakely)

TAX CALCULATIONS

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

Annual Property Tax Deductions

Gross Annual Rental Income plus Gross Annual Personal Income

Total Gross Annual Income

100,000 16,300

$ $ $

28,342 16,300 300

$

44,942

$ $

30,680 100,000

$

130,680

$ $

130,680 44,942

$ $

24,947 19,670

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

$ $

5,277 30,680

Total Annual Income

(incl. Tax Deductions)

$

35,957

Total Gross Annual Income less Total Annual Property Tax Deductions

Annual Taxable Income with the new property

ANNUAL HOLDING COSTS

$ $

$

85,738

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

$ $ $ $ $ $

21,596 1,800 2,327 2,301 318 -

Total Annual Holding Costs

$

28,342

Gross Annual Rental Income less Total Annual Holding Costs

$ $

30,680 28,342

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

$ $

35,957 28,342

ANNUAL CASH FLOW

(excl. Tax Deductions)

$

2,338

ANNUAL CASH FLOW

(incl. Tax Deductions)

$

7,615

WEEKLY CASH FLOW

(excl. Tax Deductions)

$

45

WEEKLY CASH FLOW

(incl. Tax Deductions)

$

146

GROSS ANNUAL RENTAL YIELD

(Source: Resolution Resource Strategies, Emerald Lakes Suburb Profile, October 2015)

VACANCY RATE (Source: Australian Property Monitors via A.P.I. magazine December 2015)

6.1% 0.9%

Tax Payable without the new property less Tax Payable with the new property

(excl. Tax Levies) (excl. Tax Levies)

Total Tax Savings with the new property

3 YEAR AVERAGE ANNUAL GROWTH

(Source: Australian Property Monitors via A.P.I. magazine December 2015)

GROSS RETURN ON INVESTMENT (ROI)

$

5,277

5.6% 11.7%

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.

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

Email: enquiries@probityinvestments.com | Fax: 07 3198 6220 Š copyright - Probity Investments 2015

20

07 3198 6200

Purchase Process Step 1:

Email or fax your completed Expression of Interest (EOI) form and Payment Confirmation of the $1,000 Initial Deposit to Probity Investments Payment of your Initial Deposit can be made by Cheque or by Electronic Funds Transfer (EFT) to the Trust Account details shown below in Step 4.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 refunded to you if requested at any time before your Contract of Sale is fully executed by all parties

Step 2:

Complete and return the Contract of Sale documents to our office within 7 days of receiving them [PO BOX 1709, Milton, QLD 4064]

Step 3:

Upon receiving your signed Contract of Sale documents, the Property Developer will counter-sign and enter the official Contract Date.

Step 4:

The full deposit, being 10% of the purchase price less the Initial Deposit, must be paid within 14 days from the Contract Date. Payment options are as follows:

a) Direct deposit or EFT to the following Trust Account Bank Name: Account Name: Account No.: BSB: Reference:

ANZ Bank Avanti Project Marketing Pty Ltd Trust Account 3955 40174 014 704 Lot No, Surname, The Residences (so funds can be identified)

OR b) Bank Guarantee / Deposit Bond Email your lender’s formal approval to Probity Investments

Step 5:

Settlement, payment of the balance of the purchase price, is due 14 days from notification of Title Registration.

Construction completion is expected approximately Dec 2016 (Hill Top Villas) or May 2017 (Hill Side Villas), and Title Registration will be notified to you via your nominated solicitor close to that time.

Š copyright - Probity Investments 2015

21

Tax Depreciations & Body Corporate Fees

07 3198 6200

TAX DEPRECIATION for the first year up to approx. $16,300

Total Levies start from ONLY $39.14 per week

NBtax was created by Napier & Blakeley for one purpose. To make the complicated uncomplicated. To simplify property tax depreciation for investors, big and small alike. With 30 years of expertise, NBtax is perfectly positioned to produce a compliant property tax depreciation schedule, whilst ensuring your returns are maximised.

Peak Body Corporate Management Pty Ltd is a body corporate administration company with operations on the Gold Coast and in Logan City that was formed in 2008. The company offers a niche service to medium and large schemes with caretakers who are looking for a more personal and experienced service.

Complete reports available on our website: www.probityinvestments.com

Overview of the development team

Property developer The Residences is the latest Queensland project from Urban Construct, noted for their landmark waterfront residential designs. Established in 1997, Urban Construct have delivered more than 4,000 dwellings and 100,000m2 of retail and commercial space. A $6 billion portfolio of projects and awards from peak industry bodies speaks to their commitment to quality and status among Australia’s most respected developers.

Builder Nifsan is a privately owned property developer operating exclusively in South East Queensland.

Since 1991, Nifsan has built an impressive profile as one of Queensland’s most awarded property developers.

Nifsan has won over 30 major state and national awards from the Urban Development Institute of Australia, the Housing Industry Association and the Queensland Master Builders Association. Nifsan has also been judged ‘best in Queensland’ six times and named in the top three development and building companies in Australia.

© copyright - Probity Investments 2015

22

PH: 07 3198 6200 E: enquiries@probityinvestments.com www.probityinvestments.com 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.