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Some typical questions




If your question isn't answered below

use the contact form to send it to us.




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.


Minimum Investment only $10,000


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.


When can I withdraw from 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 may provide notice to H.B.U. of their interest in withdrawing 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.


Capital Unit holders will subsequently also be able to request to withdraw their Capital Units (on or around the yearly anniversary of the date of issue of their Capital Units) by similarly providing at least 3 months’ written notice to H.B.U. (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).


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.


Maybe a way of estimating this 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.


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

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?

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


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 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.


Is my investment safe?

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.


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 you 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 more cost-efficient for you.


Who actually owns the Fund properties?

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 an investor's money between the time
they send it to Perpetual Custodians and when the
Fund purchases a property?

It sits in the Fund operating account accumulating interest.


The House Buyers United Fund sounds like
it could suit my investment profile.

Where do I get more information?

Neither H.B.U. nor this web site does provides financial advice so it's important you do your own research.


Consult a qualified and licensed financial adviser.


Read the House Buyers United Fund Product Disclosure Statement.


Contact HBU Investments Limited for any other information you require :- HERE


How do I invest with House Buyers United Fund?

Do your own research


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


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


Contact HBU 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 Custrodians for the H.B.U. Fund' either by cheque of bank-transfer.


If I apply and send money to H.B.U. and change my mind,
is there a cooling off period so I get my money refunded?

The cooling off period is discussed below. It is fully explained in section 13.3 of the House Buyers United Fund Product Disclosure Statement.




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.


Please refer to section 13.3 of the

House Buyers United Fund

Product Disclosure Statement

for full information.





Please note, 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

Capital Units are first issued,

no cooling off rights will apply.









House Buyers United Fund Product Disclosure Statement


You should read 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.





House Buyers United Fund Product Disclosure Statement e-book

e-book PDS





Refer to the
House Buyers United Fund
Product Disclosure Statement
which can downloaded
in pdf format below.



link to House Buyers United Fund Product Disclosure Statement pdf





A printed

Product Disclosure Statement (PDS)

can be obtained by emailing

admin @ housebuyersunited.com.au





House Buyers United Fund Privacy Policy e-book

e-book Privacy Policy





Refer to the
House Buyers United Fund
Privacy Policy
which can downloaded
in pdf format below.




link to House Buyers United Fund Privacy Policy pdf





link to melbourne house prices history

See property value history





link to House Buyers United Fund contact form

Contact House Buyers United




HBU Investments Limited
ACN 608 424 488
AFSL 482375
is the responsible entity
of the
House Buyers United Fund
ARSN 614 577 276

and the issuer of units
in the Fund.





link to HBU Investments Ltd web site

HBU Investments Limited web site





House Buyers United Fund Product Disclosure Statement e-book

e-book Disclaimer





link to  Disclaimer pdf





House Buyers United Fund Houses