Creating wealth & securing your future through property-IPPA

Creating wealth & securing your future through property
Whether you are making your first tentative steps into
property investment or you are an experienced investor,
welcome!
At Investment Property PA we genuinely believe that property is a sound choice as an
investment vehicle for building wealth for the future, an income stream in retirement and
tax minimisation now.
Being genuinely independent with access to properties Australia wide and with absolutely
no obligation to offer any particular development, location or style of property, we are free
to identify the very best in each segment of the market and present only those that truly
suit our clients. This is a unique and significant point of difference.
The aim is to help our clients safely and easily achieve financial freedom and security
through property investment and to experience the fact that abundance isn’t finite!
For professional and personalized advice and assistance please feel free to contact us
directly for a no obligation discussion about how we may be able to help you to achieve
your goals.
BEc DipT | LREA 1228721w | RG 146 Property Investment Advice
Cert IV (Mortgage Broking) | ASPIRE Accredited Advisor | PIAA Accredited Investment Consultant

Why Invest?
According to Steven Covey, author of “The 7 Habits of Effective People”,
the number one habit is Be Proactive – make decisions to improve your
life through the things you can change.
Abundance isn’t finite, there are opportunities for ordinary
Australians to create wealth but you need to know about them and be prepared to act on them! – It really comes
down to knowledge and attitude.
Investing in property now is “building a business for the future”.
Why property?
Profit is ‘the return to risk’ but ‘bricks & mortar’ as an asset class is a relatively predictable, safe, reliable and
attractive option:
Inflation favours tangible assets
Low volatility over time.
Real estate ranks between fixed income and equities on the risk return scale
The ‘power of leverage’- Being able to borrow a large proportion of the funds required to invest
means that lenders are comfortable with property as an investment and you use other people’s
money!
Legislation that allows limited recourse borrowing within an SMSF for property is an endorsement
of the strategy as a safeguard against the sudden erosion of retirement funds.
Favourable tax treatment. Rather than ‘crowd out’ more efficient private sector activity,
government provides tax incentives for individuals to invest thereby increasing the supply of
available housing. New product in particular is encouraged because of the multiplier effect on the
economy and employment specifically.
It’s important to have a component of rent in your retirement income as it isn’t subject to
government policy like interest on cash is. Every time the Reserve Bank lowers interest rate retires
‘take a pay cut’!
Tax on any capital gain is deferred until the asset is sold
Rental income is reliable, it isn’t subject to ‘management performance’, the returns are
contracted in a tenancy agreement and are protected by Landlord Insurance
Interest rate rises usually mean less people buy their own homes and therefore demand for rental
properties rise. All things being equal this should translate into higher rents.
Investment in property is socially beneficial. Private sector activity is encouraged through
negative gearing and results in a more efficient allocation of resources.
Risks can be mitigated further through insurances

Like many teachers after nearly two decades of service I started to wonder
what else I might be suited to and took a vocational guidance test. After
answering a multitude of questions as honestly as I could, it concluded that I
should be a senior teacher of Economics and junior Commerce. How accurate,
that’s what I was! But, it also listed what I was good at, interested in and cared
about....
I left teaching and began working in the contract housing industry helping
people of all ages and walks of life to achieve their dream of a first home. It
was demanding work; educating, organizing, coaching and encouraging others
but also very rewarding seeing the happiness and sense of achievement that
home ownership made in the lives of individuals, couples and families.
By chance I made the transition twelve years ago into investment property
exclusively and have become a passionate advocate of the opportunities it
provides for financial freedom and self determination.
After a solid grounding working for well known investment brands and as a natural progression I took the
step to undertake further training and to become a totally independent investment property specialist. I
have made the fundamental shift from being property sales focused to being client analysis and advice
driven.
My teaching career taught me much. Apart from patience, it taught me that good communication is as
much about listening as it is talking. It’s also taught me the ability to relate to a wide variety of people and
the importance of delivering what you promise, when you promise!
My role combines the two things I am most passionate about professionally, education and property. I
genuinely believe that ‘abundance isn’t finite’ and I enjoy helping others to achieve their financial goals.
As a property investor myself I understand and appreciate the importance of the decisions you make and
will work with you to ensure you are comfortable and confident to invest.
What hasn’t changed throughout the years is my commitment to the principles of honesty and integrity
and the belief based in experience that success is a function of the service you provide to others. Those I’ve
dealt with personally over the years I trust will agree that what I offer is a professional service that is client
focused, competent, friendly and above all, honest and ethical.
Contact me if you have any questions, I will be happy to answer them all and let me know if I can assist you
now or in the future,
Kind regards,
Kathy Blahut
Independent Property Consultant
BEc DipT LREA Cert IV FS
RG146 Property Investment Advice
ASPIRE Accredited Advisor
PIAA Accredited Consultant
Level5/4 Columbia Court
Baulkham Hills NSW 2153
0400099080
kathyb@investmentpa.properties
www.investmentpa.properties

Kinsella Place
A place to call home..
Mango Hill

Kinsella Place
Want comforable
spacious living...?
Whether you are a new home buyer or
wanting to invest this development will tick all
your boxes!!
One of Heran Building Group’s newest
residential communities.
Mango Hill is only approximately 30
minutes from the Brisbane CBD,
approximately 60 minutes to the
beautiful Gold Coast
and approximately 50 minutes from the
sunshine coast!
Kinsella
Place
Incredible Features:
- Packed full of fun family activities
such as Mango Hill Farm, Hill of
Promise Winery, Mango Hill Paint
ball Skirmish
- Close to serveral medical facilities
and multiple schools...

Suburb Overview
Mango Hill is a suburb north of Brisbane, Queensland. It
is local government area is the Moreton Bay Region. The
area was named Mango Hill on 1 September 1980 after
the mango trees lining Anzac Avenue as it passed through
the area. The size of Mango Hill is approximately 27 square
kilometres. The population of Mango Hill in 2006 was 2,556
people. By 2011 the population was 4,334 showing a population
growth of 69% in the area during that time. Households
in Mango Hill are primarily couples with children. In
general, people in Mango Hill work in a non-specific occupation.
In 2006, 80.9% of the homes in Mango Hill were owner-occupied
compared with 69.4% in 2011. Currently the median
sales price of houses in the area is 441,000. The Moreton
Bay Regional Council has committed millions in the Infrastructure
Program under the Local Area Plan in upgrades
to Transport, Water Supply, Sewerage, Open Space and
Community facilities.
Place

Suburb Overview
Located within minutes of future planned railway station - Moreton Bay Rail Link

Suburb Overview
North Lakes
MANGO HILL
BRISBANE
Aspley
Carindale
Clayfield
BRISBANE
10km
North
Stradbroke
Island
20km
30km
Eagleby
40km
Ormeau
Jimboomba
50km
60km
Beaudesert
70km
Upper Coomera
Southport
Surfers Paradise
GOLD COAST
Burleigh

Overview Development
Address:
Features:
Kinsella Rd, Mango Hill QLD
On-Site Manager
Swimming Pool
Recreation Spaces
Body Corporate Levy:
Rentals:
$30.15 Per Week
$370-$390 Per Week
Nearby:
Shopping Centres
Medical Facilities
Public Transport
Brisbane CBD - 30 Minutes
Gold Coast - 60 Minutes
Sunshine Coast - 50 Minutes
Sports Fields
Buy off the plan NOW!

Site Plan

Gallery Inclusions
OUTDOOR
BATHROOM & LAUNDRY
INDOOR
Brick - Rendered external finish
Roof - Colorbond sheeting
Framing - Pine frame & roof trusses
Garage - Sectional overhead door with
Colorbond finish and remote control unit
Windows & Sliding Doors - Powder coat aluminium
with security screens (downstairs only)
Termite Protection - Penetrations & perimeter
system
Hotwater System - Electric storage unit
Courtyard - Private fully fenced
Clothesline - Wall mounted
Amenities - Swimming pool & BBQ area
Landscaping - Professional landscaping to
townhomes & common areas
Parking - Ample visitor car parking
Driveways - Concrete driveways (Exposed)
Internal Roads - Asphalt
Television Antenna
Showers - Semi-frameless glass shower with pivot
action
Bath - Acrylic or similar
Vanities - Laminate tops with laminate doors, semi
recessed basin or similar with mixer tapware
Toilets - Water saving dual flush cisterns to WC’s
Laundry - 30L slimline tub & unit with quality taps
Towel rails & toilet roll holders included
‘Totally livable &
all backed by
Heran’s six month
maintenance &
six year structural
guarantee’ (BSA)
Air-Conditioning - Split system to living area
Ceiling Fans - To all bedrooms
Electrical - Telephone, TV point etc, earth leakage
safety switch, smoke detectors and generous
amount of lighting and power points
Insulation - Anticon blanket
Paint - Washable paint to walls
Doors - Modern flush panel with stylish door
Robes - Mirror sliding doors
Stairs - Carpeted, aluminium balustrade & timber
rails
Blinds - Venetians & roller blinds throughout
Flooring - Ceramic tiles & carpet
KITCHEN
Bench Top - Manufactured stone (square edge)
top
Doors - Laminate
Splash Back - Glass or Tiled
Kitchen Sink - s/s sink with mixer tapware
Appliances - European s/s multifunction oven,
cooktop, rangehood and s/s dishwasher or similar
Please Note: Proposed external & internal finishes are subject to change. Heran Building Group reserves the right to substitute similar colours
or products depending on availability and/or cost constraints. Correct from the Febuary 2015.

Townhome Style
M2 STANDARDPATIO
Meals
Bed 1
Ensuite
Living
Bathroom
Kitchen
Features:
• Two Story townhome
• Three Bedrooms
• Two Bathroom
• Single lock up garage
• Spacious open plan living
• Master bedroom with ensuite
• Ample storage
Ground Level:
Second Level:
Total Living:
Garage:
Porch:
Patio:
48.7m2
57.2m2
105.9m2
21.9m2
3.1m2
10.8m2
Powder Room
Garage
Bed 2
Bed 3
GRAND TOTAL:
141.7m2
Standard design shown. Actual are, colours and facade may differ between units.

MANGO HILL
3bed 2.5 bath 1 garage
+ 1 car space
Townhouse
Distance from CBD
26km
Contract type
Single
Title
Strata
House size 127.8m2
Total Price $363,900
Stamp duty $11,162
Estimated rent yield 5.14%
Estimated completion April 16
Body Corporate
$2058pa
ANALYSIS PROPERTY COMMENTS/REFERENCE
Transport
2 new stations at Mango Hill
Moreton Bay rail extension operational end 16
Whereis.com.au
Nearmap
Employment hubs
North Lakes a major commercial and retail centre
within short distance and easy access to Airport
Whereis.com.au
Nearmap
and Trade Coast, Brendale industrial park
Schools 36 schools within a 5km radius goodschools.com.au
Median House Price $457,000 RP Data
Vacancy rate 3.7% (Nov 15) DSR Data
Median rent $340pw RP Data
Online Search index Very good DSR Data
Rental sample verified YES RP Data
Renters % 27.1% RP Data
Demographic suitability YES 59% couples with children (RP Data)
Median income $1678 Census
Population 6687 Profile.id
Population within a 10km radius 168,033 Freemaptools.com
Population Projections Highest level QLD Govt Statisticians Office
Demand to Supply Ratio Above standard DSR Data
Stage of cycle Rising Market (Brisbane) Heron Todd White Month in Review Dec 15
Long Term Growth Index Above standard DSR Data
Unemployment rate 4.6% (below average) ABS
Top occupational category Professionals 19.1% Profile id
Flood map NIL RISK Brisbane Council Flood Awareness Mapping
Important considerations
‣ Statistics for an area vary considerably from one source to another depending on the time of collection (eg Census 2011 is nearly 5 years old now) the size of the sample and definition of property type.
Median prices and rents take into account the lowest price and the highest. Sale price data lags in the case of off plan purchases where settlements are not scheduled to take place for extended time
frames despite being unconditional contracts. Buying under the median price for an area increases the chances of experiencing growth in capital value.
‣ Tenants and buyers on resale will pay a premium for properties that are close but not too close to public transport and arterial roads.
‣
‣ Body corporate of $2500pa or less is desirable. Another advantage of selecting smaller developments with minimal maintenance and in particular avoiding multiple lifts and and gyms etc.,
‣ Increasingly tenants and buyers are considering the locations of top performing schools. As we move to higher density living more families with school age dependents will be looking for suitable
catchment areas.
‣ 3% vacancy rate is considered to be a market in balance- less than is tightening and under 2% is ‘tight’. Vacancy rates can also vary within suburbs for different types of property.
‣ 100,000 population within a 10km radius is minimum acceptable benchmark - these people constitute your tenant pool now and market on re sale.
‣ Rental estimates are provided at the time of sale. Rents are market determined and can vary from the estimates. You need to be prepared for the fact that when your property comes to market the
rent may be lower than first estimated (it may also be higher). Also when a new multi dwelling development comes to market all at the same time it may take a while for the market to absorb the new
listings and or the initial rent may need to be lowered to secure the first tenant. You should be prepared to service the mortgage for a month or two between settlement and first earning rent.
‣ Cashflow estimates are calculated on assumptions accurate at the time of purchase. Interest rates can vary as can achievable rents. Therefore it is wise to ask your advisor to run the figures allowing for
variations in rent and interest rates to make sure you are still comfortable with the bottom line.
‣ Tax rebates are also assumed to be collected pay by pay. PAYG tax payers can submit an income tax withholding variation form to their paymaster to have their tax reduced each pay by the estimated
rebate amount. If you don’t wish to do this the out of pocket cost will increase –ask your advisor to show you this on the cashflow worksheet if you need to.
‣ Completion dates are provided in good faith by the vendor at the time of purchase. For reasons outside of their control completion can stretch out beyond the anticipated date- reasons include
inclement weather, material supply issues and council regulations etc., Once a property reaches the stage of practical completion it then needs to be certified and registered in the land titles office
after which the vendor will call for a settlement date, normally 14-21 days later. Please allow a 4-6 weeks from practical completion to settlement

ASPIRE Advisor Network - Kew
Prepared for: Example client
Consultant: Kathy Blahut- Investment Property PA
Property: 23 Kinsella Place Mango Hill QLD
Description: 3 bed 2 bath 1+1 car
06-Jan-2016
SUMMARY
Assumptions Projected results over 10 yrs
Property value $363,900 Property value $651,689
Investment $50,000 Equity $321,752
Gross yield 5.14% After-tax return /yr 19.53%
Net yield 2.65% Net present value $197,864
Growth rate 6.00% IF SOLD
Inflation rate 2.50% Selling costs & CGT $82,086
Interest rate 5.00% Equity $239,666
Marginal tax rate 37.00% After-tax return /yr 15.99%
COMPUTER PROJECTIONS
Investment Analysis
Projections over 10 years
End of year 2016 1yr 2yr 3yr 5yr 10yr
Property value $363,900 385,734 408,878 433,411 486,980 651,689
Purchase costs $13,162
Investments $50,000
Loan amount $329,937 329,937 329,937 329,937 329,937 329,937
Equity $33,963 55,797 78,941 103,473 157,043 321,752
Capital growth rate 6.00% 6.00% 6.00% 6.00% 6.00% 6.00%
Inflation rate (CPI) 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%
Gross rent /week $360 18,720 19,188 19,668 20,663 23,379
Cash deductions
Interest (I/O) 5.00% 16,497 16,497 16,497 16,497 16,497
Rental expenses 48.43% 9,065 9,292 9,524 10,006 11,321
Pre-tax cash flow $-50,000 -6,842 -6,601 -6,353 -5,840 -4,440
Non-cash deductions
Deprec.of building 2.50% 5,450 5,450 5,450 5,450 5,450
Deprec.of fittings $21,834 3,503 4,588 3,172 1,633 479
Loan costs $2,876 575 575 575 575
Total deductions 35,090 36,402 35,219 34,162 33,747
Tax credit 37.00% 6,057 6,369 5,754 4,994 3,836
After-tax cash flow $-50,000 -785 -232 -600 -846 -603
Rate of return (IRR) 19.53% Your cost /(income) per week
Pre-tax equivalent 31.00% 15 4 12 16 12
Disclaimer: Note that the computer projections listed above simply illustrate the outcome calculated
from the input values and the assumptions contained in the model. Hence the figures can be varied as
required and are in no way intended to be a guarantee of future performance. Although the
information is provided in good faith, it is also given on the basis that no person using the
information, in whole or in part, shall have any claim against ASPIRE Advisor Network - Kew, its
servants, employees or consultants nor Investment Property PA.

Page 2
WHO PAYS?
73%
Tenant
3%
You
24%
Taxman
TAX BENEFITS
Number of properties: 1
Investor
Current taxable income: 85,000
Rental income: 18,720
Total income: 103,720
Rental deductions: 35,090
New taxable income: 68,630
Current tax (on 85,000): 21,097
New tax (on 68,630): 15,224
Tax saving: 5,873
Total tax credits: $5,873

Costs associated with purchasing an investment property
Property deposit
Requirements vary but typically at least 10% is required.
Stamp duty
Is levied by each state government and payable on the entire property value for a
one part contract (townhouses and apartments) and on the land content only for
house and land, 2 part contracts.
Legal fees
Our panel solicitor will receive and review contracts on your behalf and mark them
up for signing. They then coordinate the countersigning process by the vendor and
attend to the settlement.
Quantity Surveyor’s Report
Also known as a ‘depreciation schedule’ this is essential to maximise your tax
rebates. It is prepared once for each property and presented to your accountant.
Insurances
It is essential that you insure your property, both the building itself and the contents.
If your property is part of a strata complex (apartments and most townhouses) then
the building insurance will be covered by the body corporate fees. It is also necessary
to take out Landlord Protection Insurance for either a house and land or apartment
or townhouse.
Independent Building Inspection
As part of the service offered to you we can arrange for an independent building
inspection prior to handover by a licensed inspector. This is a comprehensive 2 stage
report with all ‘defects’ numbered and photographed. These are used to coordinate
the rectification of any outstanding issues in the property. It is not mandatory but
advisable to have an inspection done.
Pro rata adjustments
On settlement you will have to allow for adjustments to the rates pro rata for the
year, e.g. council rates, body corporate fees etc.,
Normally allow 4-5% of the purchase price for costs on top of your
deposit.
For example to purchase a property valued at $400,000 you would require:
Deposit $40,000
Costs $20,000
Total = $60,000

IMPORTANT CONSIDERATIONS
Please read carefully
PLEASE CONTACT ME DIRECTLY IF YOU HAVE ANY QUESTIONS
1300 695 857 I 0400 099 080
kathyb@investmentpa.properties
Capital growth cannot be guaranteed, properties are offered on the basis that they present above average
opportunities based on fundamental analysis and suit your current circumstances, goals and strategy. Property
investment is a long term strategy. Property cycles are typically 7-10 years and growth may be uneven during this
time, with variations around the trend. Time in the market is an important consideration and why it’s important to
choose properties on the basis that they are ‘sustainable’. i.e do not over commit
Your income or personal circumstances may change after committing to purchasing a property. Laws relating to your
personal circumstances may also change such as tax bracket adjustments, superannuation rules etc.,
If an off plan purchase is more than 3 months out from completion a finance approval can only be conditional
dependent on final valuation. This means that you must commit to the sale and become unconditional without a
formal approval. This should be done on the advice of your lender who assesses that you have sufficient
equity/income and or cash to complete the purchase including a buffer for a valuation shortfall
Valuations are a measure of the bank’s appetite for risk, which may vary over time. There is a difference between a
bank valuation (done to protect the bank’s balance sheet) and a market valuation. Bank valuations are inherently
conservative and vary widely. It is wise to be prepared for some variation in the valuation from the contract price,
anywhere between 5-7% is quite routine.
Rental estimates are provided at the time of sale. Rents are market determined and can vary from the estimates. You
need to be prepared for the fact that when your property comes to market the rent may be lower than first
estimated (it may also be higher). Also when a new multi dwelling development comes to market all at the same
time it may take a while for the market to absorb the new listings and or the initial rent may need to be lowered to
secure the first tenant. You should be prepared to service the mortgage for a month or two between settlement and
first earning rent.
Cashflow estimates are calculated on assumptions accurate at the time of purchase. Interest rates can vary as can
achievable rents. Therefore it is wise to ask your advisor to run the figures allowing for variations in rent and interest
rates to make sure you are still comfortable with the bottom line.
Tax rebates are also assumed to be collected pay by pay. PAYG tax payers can submit an income tax withholding
variation form to their paymaster to have their tax reduced each pay by the estimated per annum rebate amount,
pro rata. If you don’t wish to do this the out of pocket cost will increase and you may receive a lump sum rebate- ask
your advisor to show you this on the cashflow worksheet if you need to.
Completion dates are provided in good faith by the vendor at the time of purchase. For reasons outside of their
control completion can stretch out beyond the anticipated date- reasons include inclement weather, material supply
issues and council regulations etc.,
Once a property reaches the stage of practical completion it then needs to be certified and registered in the land
titles office after which the vendor will call for a settlement date, normally 14-21 days later. Please allow 4-6 weeks
from practical completion to settlement

WHAT HAPPENS NEXT?
Step Completed Time Frame Explanation
Apartments (1 Part Contract)
1.Reserve the property Day 1
The property will be reserved on the ASPIRE portal and an EOI (expression of interest) is submitted to the vendor. Full and legally correct
names are required (and DOB for QLD contracts) contact details and the contact details of your finance representative. Our panel
solicitor’s details will be populated automatically, otherwise the details of your own solicitor must be provided at this stage.
2.Pay EOI deposit
3.Login to ASPIRE portal
activated
Bank details will be provided for the transfer of the initial holding “expression of interest” deposit, normally between $1000-2000. This
will come off the contract price. Please forward a copy of the transfer to me so that it can be passed on to the vendor to initiate contracts
being raised and a copy will be uploaded to the online portal for safekeeping
If you don’t already have one, you will be issued with a unique login to the ASPIRE portal and have access 24/7 to the progress of your
purchase and your team. Notes and tasks can be logged and assigned at any time for actioning by anyone involved.
Please contact me at any time for assistance in accessing or navigating the portal.
4.Contracts are issued 7-14 days Contracts are issued to Blaaks who will review them and mark them up for signing. Blaak & Associates (panel solicitor) will email you to
acknowledge your decision to purchase and to introduce their services.
The contracts will then be sent to you by express post and a return express post envelope is included for their return.
5. Contract signing Within 7-10 days You will receive the contracts to be signed and witnessed where appropriate. Please check that all your details are correct and that all
required signatures/initials have been done. It is important to return the contracts promptly. Once they are returned to Blaaks they will
forward them to the vendor for countersigning.
6.Finance due date
nominated
Within 14 days
Blaaks will email you to let you know that contracts have been countersigned by the vendor and that a “finance due date” is set, normally
14-21 days later.
1

7.Finance due date 14-21 days In the case of an ‘off plan’ purchase that is more than 3 months out from completion you will normally only obtain a conditional approval
from the lender, subject to final valuation. Therefore you will need to waive the finance clause. This is done on the advice of your finance
expert who has assessed that you have sufficient equity/funds to complete, including a buffer in the event of a valuation shortfall. You
need to instruct Blaaks via email to proceed to unconditional by emailing them that you “waive the benefit of the finance clause and wish
to proceed to unconditional.” This needs to be done a day or so before the official date so that Blaaks have sufficient time to notify the
vendor. Please Cc me in on this email.
8.Balance of 10% due Within 24 hours Once contracts are exchanged and unconditional the balance of 10% is required. The solicitor will provide details of the amount and bank
account details to you. Please forward a copy of the transfer receipt to me for uploading to the portal.
9. Wait for completion Varies You can now relax and wait for completion all the while following progress on the portal with regular updates emailed to you and photos
posted. Estimated practical completion dates are offered at the time of purchase but can vary for reasons outside of the builder’s control
e.g. weather. Updates are notified through the portal.
You can contact me or any team member by entering a task into the portal or by calling directly at any time.
10. Settlement pending 14 days Once the property has reached the stage of practical completion, titles and occupancy certificates are applied for. A settlement date is
then called for by the vendor.
Once titles are issued you and your team will again be contacted by the solicitor who will advise a settlement date and the funds required
to complete.
11.ASPIRE
Concierge Services
Month prior to
settlement
ASPIRE’s sales support team will also be in touch to offer services such as an independent building inspection prior to handover, QSR
preparation (necessary for tax purposes) and insurance quotes at competitive prices. These are optional services. ASPIRE will also assist by
putting you in touch with recommended property managers or the assigned on site manager.
12. Property tenanted Varies Choose your property manager and liaise directly with them. Please allow time for the first tenant to be in place. This is important
particularly in the case of new developments where a number of properties come onto the market at once. You should be prepared to
service the mortgage for a month or two without rent. Sometimes tenants are lined up ahead of time and you may start earning rent
straight away other times it takes a little while for the market to absorb the new rental properties.
Please contact me directly at any time throughout the process:
1300 695 857 l 0400 099 080
kathyb@investmentpa.properties
2

2016 Special offer for ADF personnel
For any property purchase in 2016 you will be entitled to have the
following costs reimbursed to you by Investment Property PA.
Please mention this offer when making an enquiry.
Cost
Amount
Legal Fees
$1500 (inc. GST)
Quantity Surveyor’s Report
$450 (+GST)
Independent Building Inspection
$595 (+GST)
Contents & LPI $350.50
*Total $3000.00
*To the total value of $3000. You can elect to have a rebate of $3000 paid to you in the form of an eftpos debit card in lieu of payments above.
Independent Property Consultant
BEc DipT LREA Cert IV FS
RG146 Property Investment Advice
ASPIRE Accredited Advisor
PIAA Accredited Consultant
1300 695 857 l 0400 099 080
kathyb@investmentpa.properties
www.investmentpa.properties