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H.B.U. Investments Limited
ACN 608 424 488 AFSL 482375

H.B.U. Investments Limited (H.B.U.)
is the issuer of the Capital Units in the
House Buyers United Fund
ARSN 614 577 276

H.B.U. Investments Limited intends to acquire carefully selected residential property in Melbourne suburbs with the intention of producing capital growth for investors over the long term (i.e. at least 5 years).

The minimum investment is
$10,000
with a minimum investment period of
5 years
before an application to redeem
capital units can be considered.

Unlike individual property investment

No additional or ongoing financial commitment is required from investors.

Investors are not individually financially
responsible for investment sourcing,
maintenance or fund management.

In the first instance,
ongoing costs are to be reimbursed
by income received by the Fund
(e.g. from rental income)

Fees and charges are explained in
section 7 of the
House Buyers United
Product Disclosure Statement.

According to the
Australian Bureau of Statistics [ABS]

[ABS] 3218.0 – Regional Population Growth,
Australia, 2015-16
[http://www.abs.gov.au/ausstats/abs@.nsf/mf/3218.0]
Link to [ABS] source here: –

Melbourne had
the fastest growing

population in Australia in 2016
Melbourne (2.4%)
compared with Sydney’s (1.7%)

For the sixth year in a row,
Melbourne has topped
The Economist’s list
of the world’s mostliveable cities.

Lord mayor Robert Doyle said retaining the title is something for which all Melburnians should be proud.

“It is an exciting time in Melbourne:”

“We’ve got many major infrastructure projects under way, including the Metro Tunnel, and the proposed renewal of the Queen Victoria Market precinct.”

– The Age – August 18 2016 –

With its solid economic outlook, reputation for education excellence combined with its relative safety, temperate climate and weather H.B.U. believes if Melbourne’s ongoing growth continues its population of about (4.6 million) could catch up, or exceed, Sydney’s approximately (5 million) before too long.

The House Buyers United Fund
welcomes investors

… including those with
relatively limited financial resources …

who are seeking investment in quality
Melbourne residential properties
for long-term capital growth.

No Investment is without risk.

As with any investment, there are inherent risks in investing in the Fund, including the risk that an investment may result in a reduction in, or total loss of, the capital value of the investment and returns are less than expected.

To help mitigate risk,

H.B.U. believes the following measures effectively remove some of the largest risks inherent in long-term property investment.

House Buyers United Fund intends to acquire properties …

… where it perceives the that the underlying value of the land will appreciate at a greater rate than that of capital improvements.

… will only acquire properties with equity raised from investors.

… will not borrow to purchase properties.

… will limit gearing to the purpose of financing withdrawal offers.

H.B.U. believes Melbourne’s continued population growth confirms it as an attractive and desired place of residence for both Australian born and migrant families providing an ideal opportunity for the H.B.U. Fund’s long-term investment in Melbourne’s quality residential properties.

visit the ‘Population Australia’ web site HERE

Melbourne’s ongoing demand for quality residential accommodation will likely also continue, creating an ideal opportunity for long-term property investment.

In particular, H.B.U. believes, carefully selected quality properties located in established Melbourne suburbs have the potential to be a viable opportunity for dependable and predictable future capital growth over the long-term (i.e. at least 5 years).

House Buyers United Fund
‘Cooling Off ‘ period
and
Liquidity Status

House Buyers United Fund Liquidity Status

Under the Corporations Act 2001 (Cth),
the Fund is liquid when
80% or more of it’s assets
are invested in ‘liquid’ assets.

The Fund is currently liquid

and therefore, if you are a retail client
and are first issued with Capital Units today,
you will be entitled to a cooling off period.




Liquidity Status

The liquidity status of the Fund may change
between the time you apply for Capital Units
and the time that you are first issued Capital Units.



Even if the Fund is liquid at the time you apply for Capital Units,
if the Fund is illiquid at the time your Capital Units are first issued,
no cooling off rights will apply.


Refer to section 13.3 of the
House Buyers United Fund Product Disclosure Statement
for full information regarding the cooling off period.


Product Disclosure Statement (PDS)
& other information downloads.

Potential investors should read and consider
all the information contained in the

House Buyers United Fund
Product Disclosure Statement (PDS)
before deciding whether the House Buyers United Fund
could provide you with an affordable and cost-efficient
method of exposure to the Melbourne
residential property market suitable to your
financial goals and requirements and matches
your investment risk profile and whether or not to
acquire or continue to hold Capital Units in the Fund.

Applications for Capital Units in the Fund
can only be considered by completion of
an application contained in the PDS.

(link to instant-download PDS .pdf below)

Information Downloads

3 ways to get a
Product Disclosure Statement (PDS)

Other
useful information

Contact House Buyers United Fund

History
of
Property Prices
in Australia
since 1975

Questions

What minimum amount is needed to become an investor in the House Buyers United Fund?

The minimum investment is $10,000 subject to the absolute discretion of H.B.U.

Capital Units will be issued in order of receipt of fully completed applications, including application money.

There is no minimum or maximum number of Capital Units available for acquisition.

The initial issue price of the Capital Units is $1.00.

Subsequently, Capital Units will be issued at a price based upon the net asset value of the Fund referable to the Capital Units.

Can House Buyers United Fund have any conflict of interest in the properties it acquires?

H.B.U., as the holder of Income Units, could have a potential conflict and prefer the selection for property that produces income over that which has the potential for capital appreciation for the Fund.

In order to manage any conflicts and in accordance with the H.B.U’s conflicts policy, the Manager, prior to making a decision to buy a property for the Fund, will refer the proposed acquisition to the Fund’s compliance committee for approval.

This process is explained in section 10.3.3 of the PDS.

Would I be better off investing in property by myself?

Possibly – only you can answer this question.

While taking on the responsibility of property investment by yourself can have some appeal, particularly as you will not share with others any capital gains your investment might experience, investing in property by yourself carries the same costs and responsibilities as those that House Buyers United Fund attends to.

By purchasing an investment property as an individual, you would also be required to support those costs and responsibilities individually.

If, to invest in a property you have to organise loan finance, maybe it would be appropriate to consider whether the House Buyers United Fund might be a more cost-efficient option for you.

Who actually owns the Fund properties?

H.B.U. Fund Trustee, Perpetual holds the title as custodian for the investors.

Ultimately the investors, as holders of the Capital Units, own the Fund properties.

What happens to my investment between the it's deposited with Perpetual Custodians and Capital Units are issued?

It sits in the Fund operating account accumulating interest.

What kind of return can I expect on my investment?

No-one can say.

As with most investments, there’s no answer to this question.

The House Buyers United Fund does not generate interest or issue dividends.

Maybe a way of estimating any growth is to keep an eye on how residential property in prime locations of up-market Melbourne suburbs has changed in the past and keep yourself informed about residential property market trends during the period of your investment.

Is my investment safe?

Historically, property values in Australia have tended to increase over time – and H.B.U. considers it’s unlikely a portfolio of carefully selected quality residential property purchased today would be valued less in 5 years time – but there are no guarantees with any investment.

As with any investment, there are inherent risks in investing in the Fund, including the risk that an investment may result in a reduction in, or total loss of, the capital value of the investment and returns are less than expected.

You should make your own independent assessment of the information and seek your own independent professional advice in relation to the information and any action taken on the basis of the information.

Investment in quality residential property is generally considered relatively low risk over the long-term.

Possible Benefits and Risks associated with investing in the House Buyers United Fund are outlined in section 4 of the Product Disclosure Statement.

Is the House Buyers United Fund cost-efficient?

The Fund uses the accumulation of invested funds to purchase property assets for cash without borrowing money.

H.B.U. considers this not only adds cost efficiency to the investment portfolio but also adds long-term security by removing inherent risk common to long-term investment in property.

Also, investors in the H.B.U. Fund are not individually burdened with the ongoing additional responsibilities and costs of investment selection, acquisition, maintenance or repairs, tax accounting or reporting.

Does House Buyers United Fund have any management, account or investment fees?

All funds incur operational costs and, in the case of House Buyers United Fund, these will include the cost of maintaining the property portfolio – in the same way as investment property would incur if it had been purchased individually.

Fees and charges made by the Fund are fully explained in section 7 of the Fund Product Disclosure Statement.

After I make my initial purchase of units in the Fund, will I be required to pay any other ongoing investment costs?

Investors are not individually required to financially support the costs of maintaining the Fund or it’s property portfolio and there are no ongoing financial requirements.

These costs are, in the first instance, reimbursed by income the fund receives, e.g. from rent.

Fees and charges made by the Fund are fully explained in section 7 of the Fund Product Disclosure Statement.

How do I invest with House Buyers United Fund?

Read the House Buyers United Fund Product Disclosure Statement (e-book or PDF ) :- HERE

Contact H.B.U. Investments Limited for any other information you require :- HERE

Complete the application form you find in the House Buyers United Fund Product Disclosure Statement.

Send your investment capital to ‘Perpetual Custodians as Custodians for the H.B.U. Fund’ either by cheque of bank-transfer.

If I apply for Capital Units in the fund and later change my mind, is there a cooling off period so I can get my investment refunded?

The cooling off period is dependent on the liquidity status of the Fund and is discussed in the ‘Cooling Off Period’ section of this web page above.

It is fully explained in section 13.3 of the House Buyers United Fund Product Disclosure Statement.

When can I redeem my Capital Units in the Fund?

Investors must retain their investment in the Fund for a minimum of five years from the date of issue of their Capital Units.

Investors must provide notice to H.B.U. of their interest in redeeming their Capital Units, (on or around the fifth anniversary of the issue of their Capital Units), by providing at least 3 months’ written notice to H.B.U. before the fifth anniversary.

See paragraph 5.7 in the PDS for further information, (as well as paragraphs 4.2.3 and 4.2.4 in the PDS for specific risks in relation to withdrawals).

Where do I get more information about the Fund to establish whether it's a suitable investment for me?

H.B.U. can only provide general information of a non-specific nature about the House Buyers United Fund which is available in the House Buyers United Fund Product Disclosure Statement. HERE

Contact H.B.U. Investments Limited for any other information you require :- HERE

H.B.U. Investments Limited
ACN 608 424 488
AFSL 482375

H.B.U. Investments Limited
(H.B.U.)

is the issuer of the
Capital Units in the
House Buyers United Fund
ARSN 614 577 276

H.B.U. Investments Limited intends to acquire carefully selected residential property in Melbourne suburbs with the intention of producing capital growth for investors over the long term (i.e. at least 5 years).




The minimum investment is
$10,000
with a minimum
investment period of
5 years
before an application
to redeem
capital units
can be considered.



Unlike individual
property investment

No additional or ongoing
financial commitment
is required
from investors.

Investors are not
individually
financially responsible
for investment sourcing,
maintenance costs or
fund management.

In the first instance,
ongoing costs are
to be reimbursed
by income received
by the Fund
(e.g. from rental income)

Fees and charges are
explained in

section 7 of the
House Buyers United
Product Disclosure Statement.

According to the
Australian Bureau
of Statistics [ABS]

[ABS] 3218.0 – Regional
Population Growth,
Australia,
Link to [ABS] source here: –

Melbourne had the fastest
growing population in
Australia in 2016

Melbourne (2.4%)
compared with
Sydney’s (1.7%)

For the sixth year in a row,
Melbourne has topped
The Economist’s list of the
world’s most liveable cities.

Lord mayor Robert Doyle said retaining the title is something for which all Melburnians should be proud.

“It is an exciting time in Melbourne:”

“We’ve got many major infrastructure projects under way, including the Metro Tunnel, and the proposed renewal of the Queen Victoria Market precinct.”

– The Age –
August 18 2016

With its solid economic outlook, reputation for education excellence combined with its relative safety, temperate climate and weather H.B.U. believes if Melbourne’s ongoing growth continues its population of about (4.6 million) could catch up, or even exceed, Sydney’s approximately (5 million) before too long.

H.B.U. believes Melbourne’s continued population growth confirms it as an attractive and desired place of residence for both Australian born and migrant families providing an ideal opportunity for the H.B.U. Fund’s long-term investment in Melbourne’s quality residential properties.

visit the ‘Population Australia’ web site HERE

Melbourne’s ongoing demand for quality residential accommodation will likely also continue, creating an ideal opportunity for long-term property investment.

In particular, H.B.U. believes, carefully selected quality properties located in established Melbourne suburbs have the potential to be a viable opportunity for dependable and predictable future capital growth over the long-term (i.e. at least 5 years).

The House Buyers
United Fund
welcomes investors

… including those with
relatively limited financial resources …

who are seeking
investment in quality
Melbourne
residential properties
for long-term
capital growth.

Potential investors should read and consider all the information contained in the
House Buyers United Fund
Product Disclosure Statement (PDS)
before deciding whether the House Buyers United Fund could provide you with an affordable and cost-efficient method of exposure to the Melbourne residential property market suitable to your financial goals and requirements and matches your investment risk profile and whether or not to acquire or continue to hold Capital Units in the Fund.

Applications for Capital Units in the Fund
can only be considered by
completion of
an application
contained in the PDS.

(link to instant-download PDS .pdf below)

No Investment
is without risk.

As with any investment, there are inherent risks in investing in the Fund, including the risk that an investment may result in a reduction in, or total loss of, the capital value of the investment and returns are
less than expected.



To help mitigate risk,

H.B.U. believes the following measures effectively remove some of the largest risks inherent in long-term property investment.



House Buyers United Fund intends to
acquire properties …

… where it perceives the that the underlying value of the land will appreciate at a greater rate than that of capital improvements.

… will only acquire properties with equity raised from investors.

… will not borrow to purchase properties.

… will limit gearing to the purpose of financing withdrawal offers.

House Buyers United Fund
liquidity status and
cooling off Period.

House Buyers United Fund Liquidity Status

Under the Corporations Act 2001 (Cth), the Fund is liquid when 80% or more of it’s assets are invested in ‘liquid’ assets.

The Fund is currently liquid and therefore, if you are a retail client and are first issued with Capital Units today,
you will be
entitled to a
cooling off
period.

Refer to section 13.3 of the House Buyers United Fund Product Disclosure Statement for full information regarding the cooling off period.



The liquidity status
of the Fund

The liquidity status of the Fund may change between the time you apply for Capital Units and the time that you are first issued Capital Units.

Even if the Fund is liquid at the time you apply for Capital Units, if the Fund is illiquid at the time your Capital Units are first issued, no cooling off rights will apply.

Information Downloads

3 ways to get a
Product Disclosure Statement (PDS)

Contact House Buyers United Fund

History
of
Property Prices
in Australia
since 1975