Sunshine Coast, Oceanside Kawana Waterfront Apartments by Probity Investments

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Waterfront Apartments From only $360,000

“NORTH SHORE” OCEANSIDE KAWANA Exceptional R.O.I. from huge demand & rental under-supply

Snap Shots

Cash flow positive by up to $12,200 in year one

Located right on the door step of the largest health precinct in the southern Hemisphere, North Shore will appeal to both health professionals and those in need of the services to the multi-billion Kawana Health Campus & Health Hub and offers amazing value for money!

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

1, 2 & 3 Bed Apartments From $360,000 7.6 %* 6 %* 2 %* 13.6 %

Construction due to commence by Q3 2016, expected completion by Q3 2017 * Source: API Issue December 2015

Queensland

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Queensland is the second-largest and third-most populated state / territory in Australia. According to the latest data provided by the Government Statistician’s Office, Queensland’s current population sits at 4,817,559 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 2015, an annual 2% growth rate has been recorded in Queensland, which was higher than the national growth rate (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 Statistician’s Office

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Sunshine Coast

The Sunshine Coast is located just over an hour (by road) north of the state capital of Brisbane. The region features designated commercial, residential and industrial precincts as well as diverse landscapes from ocean beaches to green belts and pristine hinterland communities. Population Growth

Employment Rate

The Sunshine Coast’s current population of 280,000 is projected to grow to 450,000 by 2031, providing an ever-expanding local workforce to meet the needs of new business and industry as new investment takes place. The projected rate of population increase is 8,500 new residents each year over the next decade.

Currently, there are approximately 169,000 people working on the Sunshine Coast. This chart shows that over the past decade or so, many new jobs have been created in the area. Over the last three years, 7,700 new jobs each year have been created across the Sunshine Coast – this is double the decade average.

Many of the new jobs are being created in & around the Kawana area, driven by the new hospitals & associated infrastructure. The $5.3 billion ‘health hub’ is expected to generate 12,000 It is suggested that there is a need to build 3,850 new jobs on the Sunshine Coast. new dwellings each year – assuming a population increase of 8,000 per annum over the next Michael Matusik says that more jobs are being ten years – on the Sunshine Coast. created on the Coast and that this is helping to grow the population, which is expected to drive up demand amid an under supply of new stock.

Economic growth

The Sunshine Coast economy has doubled in size in the last decade, with a current Gross Regional Product of more than $13 billion. The economy is predicted to grow in a strong and sustainable pattern over the next 20 years to reach $33 billion in 2033, accompanied by an increase in high-value employment, export and household income.

“The Sunshine Coast is the Number 1 place in Australia to invest” - Terry Ryder, January 2015

Source: Matusik Property Rationale June 2015, Mywealth Commonwealth Bank, Sunshine Coast Council

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Oceanside Kawana

Only 20km from the Sunshine Coast Airport, Oceanside Kawana is the new name for the central Kawana region that is transforming into an estimated $5 billion world-class destination for the Sunshine Coast. “Over $5.5 Billion worth of infrastructure development planned for South Brisbane & its surroundings.” - Urbis Report 2015

Including Birtinya, Bokarina Beach and the future Oceanside Town Centre and Commercial precinct, this new regional identity will encompass around 100 hectares of land in the heart of the coast. The vision for Oceanside Kawana is to create a whole new way of living for the coast, where homes, shopping, entertainment, business, health services, tourism and jobs all co-exist in a single location that also happens to be a postcard sun, sand and surf setting. Employment Rate

Population Growth

The creation of Oceanside Kawana will feature one of the largest infrastructure projects ever undertaken on the coast with new roads, bridges, parks and services on a massive scale. The total economic benefit during the development of Oceanside Kawana is forecast to top $5.3 billion over the next 15 years and generate more than 3000 jobs per annum during the development phase.

According to the 2011 Census, Kawana’s total population of just over 21,100 people make their homes on a land area of 1863 hectares. The population of the Kawana suburbs has been rising ever since, and this growth is expected to continue as the suburbs of Birtinya, Bokarina and Wurtulla attract new residents thanks to ongoing development.

On completion, the new heart of the Sunshine Coast is expected to create approximately 12,000 ongoing jobs and contribute $828 million annually to the local and state economy. © copyright - Probity Investments 2016

Source: Urbis Kawana Research Project 2012, Oceanside Kawana Official website

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Oceanside Kawana | Apartments

20 mins drive to Maroochydore CBD

Adjacent to new Sunshine Coast University Hospitals Precinct

20 mins drive to Sunshine Plaza

15 mins drive to Sunshine Coast Airport

10 mins drive to University of the Sunshine Coast

5 mins drive to pristine ocean beaches

Oceanside Kawana Major Infrastructure

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KAWANA HEALTH CAMPUS At the heart of Oceanside Kawana will be the multi-billion dollar Health Hub and Kawana Health Campus – a vibrant 24/7 precinct that will become one of the most vital health and medical research districts anywhere in Australia.

The Kawana Health Campus, incorporat the $1.8 billion Sunshine Coast Public University Hospital, which includes a $60.8 million Skills, Academic and Research Centre, and the new $150 million Sunshine Coast University Private Hospital. The Sunshine Coast Public University Hospital and the Skills Academic and Research Centre will meet growing demand for hospital services and help train the future health workforce. The first stage of the project will be completed and open in late 2016 with 450 beds and 3,500 staff, growing to 738 beds and 6,000 staff by 2021.

This state-of-the-art tertiary, teaching hospital precinct is a centrepiece of the Sunshine Coast’s economic development and will provide a catalyst for health, medical, commercial and residential development in surrounding areas.

Co-located on the site is the Sunshine Coast University Private Hospital, which opened in NovemCollectively, these developments will conber 2013. This 200 bed private hospital is operattribute an estimated A$3.2 billion to the ed by Ramsay Health Care. This facility provides Sunshine Coast economy and a further A$447 general and respiratory medicine, general surgery million per year thereafter from operations and specialities such as orthopaedics, ENT (ear, (Urbis, 2012). nose and throat), gastroenterology, colorectal surgery, urology, oncology and day chemotherapy. The hospital also recently introduced an inter- When completed, the Sunshine Coast Public Univentional cardiology service and opened the first versity Hospital will provide world-class research private cardiology ward on the Sunshine Coast. facilities along with a 21st century clinical and patient care environment. Read More © copyright - Probity Investments 2016

Oceanside Kawana Major Infrastructure

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OCEANSIDE HEALTH HUB

Adjacent to the $2.03 billion Sunshine Coast University Public Hospital, NORTH SHORE is perfectly positioned for permanent or short term occupants Brisbane (60 mins)

Pacific Ocean

Residential Lots

The Best Western Motel

Child Care

Medical Suites and Car Park

450 bed Sunshine Coast University Public Hospital Future Rail Link

200 bed Sunshine Coast University Private Hospital

Ocean beaches (5 mins)

4,500 hospital staff, 15,000 university students and 15,000 visitors per day to the hospitals = huge demand for accommodation June 2015

Adjacent to the Kawana Health Campus is a $5.3 billion greenfield health and medical precinct, offering the strategic opportunity to be located next to the university hospitals and an emerging town centre in a stunning waterfront position. The 17 hectare Oceanside Health Hub provides up to 32,000sqm of dedicated health and medical space. Each of the Land Use Areas within the Health Hub are intended to deliver varying land use types - ranging from community facilities and retail and commercial uses, to high and low density residential uses - all intended to support the functioning of the Sunshine Coast University Hospitals.

Approved developments within the Oceanside Health Hub include an acute aged care facility, child care facilities, allied health and specialist consulting suites, and retail offerings. Connected by public transport including a major bus station and dedicated multi-story parking station, Oceanside Health Hub represents one of Australiaâ&#x20AC;&#x2122;s largest investments in health infrastructure.

On completion, the new heart of the Sunshine Coast is expected to create approximately 12,000 ongoing jobs and contribute $828 million annually to the local and state economy.* *Urbis Kawana Research Project, 2012 ÂŠ copyright - Probity Investments 2016

Oceanside Kawana Major Infrastructures

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Positioned on the doorstep of Asia and the Pacific Rim, the region is well connected to national and international markets through its major transport networks - the Bruce Highway, the national rail network and the Sunshine Coast Airport - and is close to Brisbane airports and the Port of Brisbane.

Maroochydore City Centre

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Declared a Priority Development Area by the Queensland Government that 53 hectare site is planned for development over the next 20 years, with 40% to be open space and waterways, the Maroochydore city centre is expected to service a wider catchment of over two million people by 2030. Located only 20 minutes from North Shore and 10 minutes from the Sunshine Coast Airport, the Maroochydore city centre will include commercial, residential, retail and lifestyle precincts, new road transport, public open space and community facilities infrastructures. The city centre will also feature: • fine dining • exclusive retail • prime commercial office space • entertainment facilities • publicly accessible waterways • interconnected open space • recreational spaces • a five-star hotel • an entertainment, convention & exhibition centre

Sunshine Coast Airport Expansion Currently servicing passenger numbers of approx. 1 million annually, Sunshine Coast Airport is planning for a $347 million major expansion which will further enhance its domestic and international links. The airport expansion will include a new 2,450m long, 45m wide runway and deliver new infrastructure and facilities enabling direct international flight access to the region from a number of destinations in Asia and elsewhere. The proposed expansion is expected to be completed by 2020 and generate more tha 2,230 jobs between 2020 to 2040. Read More © copyright - Probity Investments 2016

Oceanside Kawana Major Infrastructures

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University of the Sunshine Coast The University of the Sunshine Coast is one of Australia’s fastest growing universities, serving the Sunshine Coast and extended region from northern Brisbane to the Fraser Coast. The university opened in 1996 as the first greenfield public university to be established in Australia since the early1970s. Today, with around 11,000 enrolled students, the university is on track to reach projected enrolments of 12,000 students in 2015. The university is completing an $81 million expansion, allowing the campus to cater for a larger student population to meet the growing workforce demands of the expanding Sunshine Coast economy.

Other education institutions ◊ Kawana Waters State College ( 1.6 km walk ) ◊ TAFE Queensland East Coast ( 13 mins, 10 km ) ◊ Talara Primary College ( 8mins, 5.1 km)

Proposed Sunshine Park A $90 million theme park for the Sunshine Coast has received initial approval from the local council, with construction expected to begin in the next 12 months. Located only 25 minutes from North Shore, the 24 hectare Sunshine Park will include one of the world’s largest wave pools, lagoons and waterslides. It is expected 430 jobs would be created during construction, with 230 staff to be employed when the attraction is operating.

Sunshine Coast Light Rail According to Sunshine Coast City Council, the Sunshine Coast is expected to experience considerable population growth in the coming decades. Sunshine Coast Light Rail is a long term project to enhance the transportation system in the Sunshine Coast. If the light rail is to be selected as a suitable public transport option, it’s first stage will likely to be delivered by 2025. It has been estimated that this project would deliver $3.6 billion in benefits for the broader economy by connecting people to major employment hubs, education facilities, health and tourism.

1 Bedroom Apartments

2 Bedroom Apartments

3 Bedroom Apartments

FROM $360,000

FROM $460,000

FROM $595,000

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Location Map 7

3 2

8 1. Beach front (5 mins) 2. Local Shops (3 mins) 3. Maroochydore CBD (12 mins) 4. Sunshine Coast Airport (15 mins) ÂŠ copyright - Probity Investments 2016

5. Proposed Railway line (4 mins) 6. Kawana Waters State College (6 mins) 7. University of Sunshine Coast (10 mins) 8. Brisbane CBD (60 mins) 11

Floor plate - Ground level

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Floor plate - Level 7

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Floor plans - 1 bed (example)

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NORTH SHORE

ONE BEDROOM APARTMENT

Private & large balcony area 1

Affordable new apartments 1 bed/1 bath/1 car; priced from $360,0000; valuation & rental support

Plenty of storage options, separate laundry plus study nook

Spacious open plan living with high ceilings

7 3

Modern kitchen with stone benchtops; ample storage space; European appliances & great lighting

Fully tiled (including bedroom) for easy maintenance

Smart floor plans with flexible living options

9 4

This document is opinion & not advice. The audience should seek their own professional advice on the subjects being discussed. Seven Reasons Why, PropertyÂŠPick & Ten Things YouInvestments Need To Know About â&#x201E;˘ are trademarks of copyright - Probity 2016 Matusik Property Insights Pty Ltd. Registered copyright nos. 103812, 10353 &

Floor to ceiling full glass sliding doors allowing for plenty of natural light

Quality fixtures; fittings & finish in bathrooms & kitchen

Floor plans - 1 bed (example)

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North Shore 1 bedroom apartment’s features include quality fold down bed, sliding wall to maximise living space, 2.55m plasterboard ceilings, ducted air, quality fixtures and fittings and funky finishes.

“North Shore is very well designed, extremely well priced and in a prime location” Michael Matusik

Floor plans - 2 bed (example)

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NORTH SHORE

TWO BEDROOM APARTMENT

Private & large balcony area

Affordable new 2 apartments 2 bed/2 bath/1 car; priced from $460,0000; valuation & rental support Two well appointed, equally sized bedrooms with own bathroom & study nook

Floor to ceiling full glass sliding doors allowing for plenty of natural light

Spacious open plan living with high ceilings

Fully tiled (excluding bedrooms) for easy maintenance

6 3 8

7 4

Plenty of storage options & separate private laundry

This document is opinion & not advice. The audience should seek their own professional advice on the subjects being discussed. Seven Reasons Why, Property Pick & Ten Things You Need To Know About â&#x201E;˘ are trademarks of Matusik Property Insights Pty Ltd. Registered copyright nos. 103812, 10353 & 10354. All rights reserved. Reprinting, republication or distribution of any portion of this document is strictly prohibited without the written permission of ÂŠ copyright - Probity Investments 2016 Matusik Property Insights Pty Ltd.

9 10

Modern galley kitchen with stone benchtops; ample storage space; European appliances & great lighting Quality fixtures; fittings & finish in bathrooms & kitchen

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161

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Floor plans - 3 bed (example)

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NORTH SHORE

THREE BEDROOM APARTMENT

Private & usable balcony areas Floor to ceiling full glass sliding doors allowing for plenty of natural light

1 5

Affordable 2 new apartments 3 bed/3 bath/2 cars; priced from $595,0000; valuation & rental support Plenty of storage options & separate private laundry

Spacious open plan living with high ceilings

7 8

10 9

Three well appointed, equally sized bedrooms with own bathroom & study nook. Third bedroom with own entry & fully tiled. Optional kitchenette variation

Quality fixtures; fittings & finish in bathrooms & kitchen

Modern galley kitchen with stone benchtops; ample storage space; European appliances & great lighting

ÂŠ copyright - Probity Investments 2016

Fully tiled (excluding two main bedrooms) for easy maintenance

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1 17

Floor plans - 3 bed (example)

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NORTH SHORE

THREE BEDROOM APARTMENT

Floor to ceiling full glass sliding doors allowing for plenty of natural light

1 Affordable new apartments 3 bed/3 bath/2 cars; priced from $595,0000; valuation & rental support

Fully tiled (excluding two main bedrooms) for easy maintenance

Plenty of storage options & separate private laundry

Three well appointed, equally sized bedrooms with own bathroom & study nook. Third bedroom with own entry & fully tiled. Optional kitchenette variation

9 4

Spacious open plan living with high ceilings Modern galley kitchen with stone benchtops; ample storage space; European appliances & great lighting Quality fixtures; fittings & finish in bathrooms & kitchen Private & usable balcony areas

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181

Schedule of Inclusions, Fixtures & Fittings

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NORTH SHORE APARTMENTS

SCHEDULE OF FINISHES - 2 BEDROOM APARTMENTS

INTERIORS GENERAL INTERNAL CONSTRUCTION    

Wall treatments

Plasterboard with washable low sheen acrylic paint in selected

Architraves & skirting

Ceilings Doors



Dressed timber with gloss enamel paint finish.

Plasterboard with paint finish to all ceilings.

Entrance door clear finished or gloss painted flush with quality stainless steel locks.

ENTRY & KITCHEN 

colours.

Floor treatment

Ceramic tiles in selected colours.

Wall treatment

Plasterboard with washable low sheen acrylic paint in selected colours.

Joinery & cabinetry

Splashback in select finish (as determined by interior designer).

Designer board cabinetry fronts in interior designer selected colours Feature stone to select areas of benchtop (as determined by interior designer).

Designer board overhead cupboards in interior designer selected 

colours.

Appliances

European electric oven in a stainless steel finish, or equivalent. European electric cook top in a ceramic finish, or equivalent. Concealed range hood.

 

Imported under bench stainless steel dishwasher, or equivalent.

Plumbing Items

Stainless steel single sink high quality or similar.

Tapware

Polished ceramic mixer taps or equivalent.

LIVING AREA  

Floor treatment

Ceramic tiles in selected colours.

Wall treatment

Plasterboard with washable low sheen acrylic paint in selected colours.

BEDROOMS 

Floor treatment

Quality wool blend carpet on underlay in selected colours.

Robes

Built in robes in bedrooms. Mirror doors to be installed on robe in



Wall treatment

Plasterboard with washable low sheen acrylic paint in selected



Joinery & Cabinetry

Built-in study desk in each bedroom.



2015-07-14 Rev 5

Bedroom1, with vinyl sliders to be installed in other bedrooms - all to have built in hat shelves, hanging rails and 1 shelf unit.

colours.

North Shore Apartments Schedule of Finishes - 2 Bedroom Apartments

Schedule of Inclusions, Fixtures & Fittings

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**Click here for 1 & 3 bedroom configuration IINTERIORS

(Continue)

ENSUITE/BATHROOM  



Floor treatment

Ceramic tiles in selected colours.

Wall treatment

Plasterboard with washable low sheen acrylic paint in selected colours.

Ceramic tiles to skirting areas with tile splash back to vanity.

Vanities

Imported white vitreous china basin or equivalent.

Designer board cabinetry fronts in interior designer selected colours.

Mirror to vanity wall.

Feature stone bench tops.   

Chrome finish door handles.

Shower

Ceramic tiles to shower alcove and glass shower screen.

Toilet

Imported vitreous china toilet suite and cistern or equivalent (where

Tapware & accessories

Polished ceramic mixer taps or equivalent.

shown).

Accessories (Towel rail and/or towel ring and toilet roll holder, as

required).

LAUNDRY  

   

Floor treatment

Ceramic tiles in selected colours.

Wall treatment

Plasterboard with washable low sheen acrylic paint in selected colours.

Ceramic tiles to skirting areas with tiled splash back.

Cabinetry

Laundry tub stainless steel with storage cupboard under.

Plumbing items

Sink mixer.

Appliances

Wall mounted clothes dryer with stainless steel drum.

Hot water system

3 phase instantaneous hot water system.

ELECTRICAL AND LIGHTING    

Lighting

Energy efficient downlights and surface mounted lighting throughout

Power points

Double power points fitted throughout apartment.

Television points Telephone points

living areas.

A television point will be located in the living room & each bedroom to Austar standards.

Points to be located in living rooms (at study nook, where provided).



Internet points

Every apartment is connected to the high speed fibre optic National



Ceiling Fans

Fans to be fitted in living areas and bedrooms.

Air-conditioning

Ducted system air-conditioning throughout.

 

Fire alarms

2015-07-14 Rev 5

Broadband Network. A point will be located in the living area.

Each unit will be fitted with smoke detectors.

North Shore Apartments Schedule of Finishes - 2 Bedroom Apartments

Schedule of Inclusions, Fixtures & Fittings

07 3198 6200

**Click here for 1 & 3 bedroom configuration EXTERIORS

(Continue)

GENERAL EXTERNAL CONSTRUCTION      

Wall treatment

Applied high grade armour coat finish or equivalent. Feature cladding at upper levels.

Roofing treatment

Colorbond sheeting with Anti Con Insulation to underside of roofing.

Windows

Powder coated aluminium with safety glass.

Shade Screening

To Architect selected finishes and colours.

Driveways

Exposed concrete paving and other finishes as selected by the

Balustrades & handrails Powder coated aluminium with glass infill or stainless wire. Developer’s Landscape Architect.

LIVING ROOM BALCONIES  

Floor treatment

Ceramic tiles in selected colours.

Balustrades & handrails Powder coated aluminium with glass infill.

COMPLEX SECURITY      

On site management.

General security lighting to stairwell, carpark and common areas.

Intercom to each apartment.

Security control to foyer, main entry gates and carpark entrance.

Remote /key security access to all vehicle and pedestrian entrances.

Security fencing to complex to facilitate security to apartments and communal facilities.

COMMUNITY FACILITIES      

General security lighting to stairwell, carpark and common areas Security control to main entry gates and carpark entrance

Extensively landscaped communal areas

Lockable, designated storage areas to carpark Visitor car parking

Car washing bay

NOTE 1: General: The Developer may substitute items contained in this schedule as long as the substituted item is at least the same quality.

NOTE 2: Stone: As stone is a naturally occurring material, variations in colour, consistency and fault lines

cannot be controlled. RGD Constructions Pty Ltd will endeavor to match the stone displayed in the Sales Office and on the finishes boards but cannot guarantee that the stone surface patterns and colours will not vary.

2015-07-14 Rev 5

North Shore Apartments Schedule of Finishes - 2 Bedroom Apartments

Current Rent Appraisal

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CAPITAL GROWTH & RENTAL RETURN PROSPECTS One in three households on the Sunshine Coast rents. The proportion of households renting has remained stable over the past decade. There are 32,000 private rental properties on the Sunshine Coast, of which around 525 are currently reported vacant. This means a vacancy rate of 1.6%. A vacancy rate under 2% is tight, & as a result, rents usually rise. Between 2% & 3% the market is balanced, so rents are stable, typically rising with costs and/or inflation.

Independent Rental appraisal by Oceanside Management Pty Ltd on 17 Jul 2015: 1 Bedroom ,1 Bathroom apartments : $390 p/w 2 Bedroom, 2 Bathroom apartments : $500 p/w 3 Bedroom, 3 Bathroom apartments (single tenancy) : $620 p/w 3 Bedroom, 3 Bathroom apartments (separate tenancies): up to $720 p/w It is noted that the NORTH SHORE Apartments are being built to comply with short term letting requirements. Accordingly, owners will also have the opportunity for apartments to be fully furnished and let on a short term basis to visiting doctors, specialists, families of patients, etc., which should result in a higher return to owners than the rental figures above. With 3,500 medical staff expected to commence employment at the Sunshine Coast University Public Hospital in late 2016 and 1,000 staff already employed at the Sunshine Coast University Private Hospital, the demand for rental properties within walking distance of the Hospitals will continue to increase. The experienced Oceanside property management team will be on-site and look forward to managing your investment. The usual rates of 8% + GST apply on permanent rentals.

Matusik Property Rationale anticipates that weekly rents will continue to rise across the Sunshine Coast. New rental homes should continue to attract high premiums over older stock.

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Cash Flow Analysis - CASH 1 BedFLOW (example) ANALYSIS

"NORTH SHORE" SHINE COURT BIRTINYA QLD 4575 | Unit 10: 1 bed, 1 bath (52 + 16 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 (Includes Insurance, Admin + Sinking Fund) Weekly Rent (Source: Oceanside Property Management) Property Management Fees Landlord Insurance Furniture Pack (if applicable)

$ $

$ $ $ $ $ $ $ $ $

TAX ASSESSMENT INFORMATION 360,000 80% 4.00% 1,500 11,025 910 1,500 2,000 2,715 390 8.8% 318 -

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

$ $

100,000 11,533

$ $ $

18,338 11,533 300

30,171

$ $

20,280 100,000

120,280

$ $

120,280 30,171

90,109

$ $

24,947 21,287

3,660

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

$ $

3,660 20,280

Total Annual Income

23,940

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 Total Gross Annual Income less Total Annual Property Tax Deductions

Annual Taxable Income with the new property

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

$ $ $ $ $ $

11,520 2,000 2,715 1,785 318 -

Total Annual Holding Costs

18,338

Gross Annual Rental Income less Total Annual Holding Costs

$ $

20,280 18,338

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

$ $

23,940 18,338

ANNUAL CASH FLOW

(excl. Tax Deductions)

1,942

ANNUAL CASH FLOW

(incl. Tax Deductions)

5,602

WEEKLY CASH FLOW

(excl. Tax Deductions)

WEEKLY CASH FLOW

(incl. Tax Deductions)

108

GROSS RENTAL YIELD VACANCY RATE

(Source: API Dec 2015)

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

Total Tax Savings with the new property

(incl. Tax Deductions)

5.6%

12-MONTH CAPITAL GROWTH

2.0%

GROSS RETURN ON INVESTMENT (ROI)

7.6%

(API Dec 2015)

13.2%

PROJECTIONS ANNUAL CAPITAL GROWTH

ANNUAL RENTAL INCOME

PROPERTY VALUE

YEAR

INFLATION (%)

20,280

27,360

2.3%

20,746

466

416,799

29,439

2.3%

21,224

477

448,476

31,677

2.3%

21,712

488

7.6%

482,560

34,084

2.3%

22,211

499

7.6%

519,235

36,675

2.3%

22,722

511

7.6%

558,697

39,462

2.3%

23,245

523

7.6%

601,158

42,461

2.3%

23,779

535

7.6%

646,846

45,688

2.3%

24,326

547

7.6%

696,006

49,160

2.3%

24,886

560

7.6%

748,902

52,896

2.3%

25,458

572

YEAR

GROWTH (%)

GROWTH ($)

0.0%

360,000

7.6%

387,360

7.6%

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.

ÂŠ copyright - Probity Investments 2016

07 3198 6200

Cash Flow Analysis - CASH 2 BedFLOW (example) ANALYSIS

"NORTH SHORE" SHINE BOULEVARD, BIRTINYA QLD 4575 | Unit 2: 2 bed, 2 bath (73 + 28 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 (Includes Insurance, Admin + Sinking Fund) Weekly Rent (Source: Oceanside Property Management) Property Management Fees Landlord Insurance Furniture Pack (if applicable)

$ $

$ $ $ $ $ $ $ $ $

TAX ASSESSMENT INFORMATION 460,000 80% 4.00% 1,500 14,525 1,228 1,500 2,000 3,020 500 8.8% 318 -

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

$ $

100,000 14,890

$ $ $

22,346 14,890 300

37,536

$ $

26,000 100,000

126,000

$ $

126,000 37,536

88,464

$ $

24,947 20,679

4,268

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

$ $

4,268 26,000

Total Annual Income

30,268

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 Total Gross Annual Income less Total Annual Property Tax Deductions

Annual Taxable Income with the new property

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

$ $ $ $ $ $

14,720 2,000 3,020 2,288 318 -

Total Annual Holding Costs

22,346

Gross Annual Rental Income less Total Annual Holding Costs

$ $

26,000 22,346

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

$ $

30,268 22,346

ANNUAL CASH FLOW

(excl. Tax Deductions)

3,654

ANNUAL CASH FLOW

(incl. Tax Deductions)

7,923

WEEKLY CASH FLOW

(excl. Tax Deductions)

WEEKLY CASH FLOW

(incl. Tax Deductions)

152

GROSS RENTAL YIELD VACANCY RATE

(Source: API Dec 2015)

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

Total Tax Savings with the new property

(incl. Tax Deductions)

5.7%

12-MONTH CAPITAL GROWTH

2.0%

GROSS RETURN ON INVESTMENT (ROI)

7.6%

(API Dec 2015)

13.3%

PROJECTIONS ANNUAL CAPITAL GROWTH

ANNUAL RENTAL INCOME

PROPERTY VALUE

YEAR

INFLATION (%)

26,000

34,960

2.3%

26,598

598

532,577

37,617

2.3%

27,210

612

573,053

40,476

2.3%

27,836

626

7.6%

616,605

43,552

2.3%

28,476

640

7.6%

663,467

46,862

2.3%

29,131

655

7.6%

713,890

50,423

2.3%

29,801

670

7.6%

768,146

54,256

2.3%

30,486

685

7.6%

826,525

58,379

2.3%

31,187

701

7.6%

889,341

62,816

2.3%

31,905

717

7.6%

956,931

67,590

2.3%

32,638

734

YEAR

GROWTH (%)

GROWTH ($)

0.0%

460,000

7.6%

494,960

7.6%

RENTAL

GROWTH ($)

INCOME

07 3198 6200

Cash Flow Analysis - CASH 3 BedFLOW (example) ANALYSIS

"NORTH SHORE" SHINE BOULEVARD, BIRTINYA QLD 4575 | Unit 28: 3 bed, 3 bath (101 + 26 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 (Includes Insurance, Admin + Sinking Fund) Weekly Rent (Source: Oceanside Property Management) Property Management Fees Landlord Insurance Furniture Pack (if applicable)

$ $

$ $ $ $ $ $ $ $ $

TAX ASSESSMENT INFORMATION 620,000 80% 4.00% 1,500 20,925 1,736 1,500 2,000 3,316 720 8.8% 318 -

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

$ $

100,000 17,908

$ $ $

28,769 17,908 300

46,977

$ $

37,440 100,000

137,440

$ $

137,440 46,977

90,463

$ $

24,947 21,418

3,529

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

$ $

3,529 37,440

Total Annual Income

40,969

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 Total Gross Annual Income less Total Annual Property Tax Deductions

Annual Taxable Income with the new property

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

$ $ $ $ $ $

19,840 2,000 3,316 3,295 318 -

Total Annual Holding Costs

28,769

Gross Annual Rental Income less Total Annual Holding Costs

$ $

37,440 28,769

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

$ $

40,969 28,769

ANNUAL CASH FLOW

(excl. Tax Deductions)

8,671

ANNUAL CASH FLOW

(incl. Tax Deductions)

12,200

WEEKLY CASH FLOW

(excl. Tax Deductions)

167

WEEKLY CASH FLOW

(incl. Tax Deductions)

235

6.0%

12-MONTH CAPITAL GROWTH

2.0%

GROSS RETURN ON INVESTMENT (ROI)

GROSS RENTAL YIELD VACANCY RATE

(Source: API Dec 2015)

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

Total Tax Savings with the new property

(incl. Tax Deductions)

7.6%

(API Dec 2015)

13.6%

PROJECTIONS ANNUAL CAPITAL GROWTH

ANNUAL RENTAL INCOME

PROPERTY VALUE

YEAR

INFLATION (%)

37,440

47,120

2.3%

38,301

861

717,821

50,701

2.3%

39,182

881

772,376

54,554

2.3%

40,083

901

7.6%

831,076

58,701

2.3%

41,005

922

7.6%

894,238

63,162

2.3%

41,948

943

7.6%

962,200

67,962

2.3%

42,913

965

7.6%

1,035,327

73,127

2.3%

43,900

987

7.6%

1,114,012

78,685

2.3%

44,910

1,010

7.6%

1,198,677

84,665

2.3%

45,943

1,033

7.6%

1,289,776

91,099

2.3%

46,999

1,057

YEAR

GROWTH (%)

GROWTH ($)

0.0%

620,000

7.6%

667,120

7.6%

RENTAL

GROWTH ($)

INCOME

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) Cash Payment by EFT to the following Trust Account Bank Name: Account Name: Account No.: BSB: Reference:

St George Bank Griffiths Parry Trust Account 422397917 114-879 North Shore (LOT #) Surname (so funds can be identified)

OR b) Bank Guarantee Email your lenderâ&#x20AC;&#x2122;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 Q3 2017, and Title Registration will be notified to you via your nominated solicitor close to that time.

Contact your Probity Investment Advisor on 07 3198 6200 to discuss your investment decision in more detail. Email: enquiries@probityinvestments.com | Fax: 07 3198 6220 ÂŠ copyright - Probity Investments 2016

07 3198 6200 Schedule of Body Corporate Fees & Tax Depreciation Estimates

TAX DEPRECIATION for the first year up to approx. $16,700

Total Levies start from ONLY $52.21 per week

Koste Tax Depreciation was established to specialise in Tax Depreciation Schedules for both Residential and Commercial clients Nationally. They aim to provide their clients with a product whilst offering innovation and value for money.

Archers Body Corporate Management was founded in Queensland in 1982, they have built a reputation based on nurturing active relationships with their clients: Body Corporate committees, resident managers, property owners and developers.

Completed report available on our website: www.probityinvestments.com

Overview of the development team

Property developer

RGD Property Group are a local developer & have completed numerous award winning projects across the Sunshine Coast over the last decade. They are known for their quality buildings, high-end fixtures/ finishes & attention to detail. Based on the Sunshine Coast, Queensland, the management team have been together since 1990, and built a rare portfolio worth in excess of $500M. For over 35 years, RGD Group has delivered award-winning, quality, construction and development services Australia wide. As a proudly privately owned, building and construction company, RGD Groupâ&#x20AC;&#x2122;s services include: feasibility studies, project costing, project management and construction. RGD Group has an experienced and committed team who deliver integrity in construction.

Builder With over 40 years collective time on the Sunshine Coast, a solid focus on design and client satisfaction, Sprout has amassed a significant body of work since its inception. Sprout has experience in all types of projects from large scale multiple unit and mixed use developments through to single detached houses.

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.