About AIPQ Program

AIPQ – Australian Investment Property Queensland (AIPQ) is your ONE stop shop for your property investment needs. Linking our investors to suitable house and land packages with our preferred builders.

AIPQ oversees the building and ongoing payments to the investor that makes your property investment as worry free as possible. AIPQ refers its investors to its preferred Accredited Mortgage Broker.

Let us compare the “AIPQ programme” with a scenario of a normal rental property in Australia.

EXAMPLE: For a property costing $400,000 and renting at $320 per week with 20% deposit.

Now let us have a look at the difference with the AIPQ programme…

1.Guaranteed Tenants

Tenant / Buyer Selects the Land and the House They Want to Live In

At present all the AIPQ properties are chosen by the tenant/buyer located in the outer suburbs of Brisbane.

These areas are affordable for the chosen tenant / buyer and represent excellent value for you the AIPQ Investor.

All the areas where the tenant buyers select have excellent infrastructure facilities, including schools, transport, and shopping complexes.

All AIPQ properties are within the budget of the tenant/buyer, as we do not wish to overextend the tenant/buyer financially nor you the AIPQ Investor.

Purchase Contract Signed by Tenant

The AIPQ Investor and Tenant both sign a Contract of Sale for the Investment Property prior to the tenant/buyer taking up occupancy.
A purchase contract is the binding agreement between the AIPQ owner and by the tenant/buyer prior to taking up occupancy of the property.

Put And Call Option Signed by Tenant/Buyer

This agreement also binds both parties to the AIPQ program.

The agreement is a binding acknowledgement between both parties with the seller being you, the Property Investor. A commitment that the tenant/buyer will purchase the property at a given time and price is agreed to by both parties prior to occupancy.

Tenancy Agreement Signed by Tenant

The tenancy agreement stipulates the terms and conditions for the tenancy of the investment property.
This agreement includes the tenant/buyers’ obligations to pay all outgoings from the date of occupancy and maintain the property in good order.
The AIPQ investor, you receive a payment that covers more than your monthly loan repayments.

Positively Geared Investment Properties

Positive Gearing

Positive Gearing occurs when you receive more in rental income from your tenants than you pay for your loan repayments.

In this situation the property is positively geared! Now let us consider the advantages and disadvantages when investing in a positively geared property.

The Advantages of Positive Gearing

Increased income – you benefit by receiving an income from the property and not having to be out of pocket. You can even use this surplus income to make additional payments into your own home mortgage and own your home sooner!

Not as much risk – if your income circumstances change e.g., if you were to lose your job then the income will cover the costs of the investment and you are less likely to need to sell under pressure and potentially unfavourable conditions.
Balanced portfolio – some investors may use a positively geared property to balance their portfolio, using the additional income to pay the shortfall of negatively geared investments.
Lender Attractiveness – the additional income can increase your attractiveness to lenders for additional loans.

Cash Flow Positive Properties with Over 9.2% Nett Return

Your AIPQ property provides over 9.2% nett return on monthly repayments.

Real estate agents talk about yield from the property. AIPQ only refers to the actual return achieved from the cash outlay by the property investor, this being the deposit paid and the return you the property investor gains over the period of the program.

Please note that the tenant/buyer pays all outgoings; incl. Rates, insurance, and utilities during the tenancy period, saving you the AIPQ over AUD$9,000.00 over 2 years.

You the property investor retain all the tax deductions.

2.All Homes Built in Outer Areas of Capital Cities

Currently all homes are built in Southeast Queensland are in the outer suburbs of Brisbane as these are the growth areas now and the price that suits the budgets of our Tenant/Buyers.
On the north side of Brisbane, the suburbs are Morayfield, Caboolture and Burpengary. On the south side the suburbs are Jimboomba, Beaudesert which is a designated growth area where a great deal of State Government infrastructure is now being built, Redbank Plains, Ripley near Ipswich, Beenleigh and Park Ridge.

All Properties Are House and Land Packages

All our homes are designer homes all with 4 bedrooms, 1 bathroom with walk in shower, ensuite for the Master bedroom with walk in shower included and walk in wardrobe, kitchen is fitted out with dishwasher, 900mm electric oven and a choice of 4 to 6 burner electric cook top. Family and media room, and 3 other generous sized bedrooms with built in wardrobes. Outside entertaining area, 2 air conditioners installed, paved driveways with lawns and landscaping included.

All windows have roller blinds and quality floor coverings with options of carpets, tiles, and vynal floors. Solar Power also included.

3. Australian Investment Property Programme

Your AIPQ is Positively Geared and provides a GENUINE Positive Cash Flow.

The return that you receive from your AIPQ property is based on the amount of funds invested by you into your property investment program.

Your AIPQ property is only the vehicle for your Investment Program.

Please refer to the calculations example. All calculations are examples only for your AIPQ property and are in Australian Dollars. Amounts shown are for illustration purposes only and actual prices of land and house for your AIPQ property will vary with each different land and house package.

Finance interest charges may vary depending on lender. However, should interest rates either increase or decrease the Tenant/Buyer’s payments will also change in line with the property investor payments for your AIPQ Property.

Your AIPQ will provide an excellent return to you the property investor.

Finance for International Investors

All house and land packages purchased by Overseas Property Investors must have Australian Foreign Investment Review Board approval. The FIRB does charge a fee for all overseas Investors.

Finance is available to qualified Overseas Investors for our AIPQ properties.

Finance arrangements for the AIPQ program can be arranged by AIPQ through Australian banking institutions.

Term for your Australian Property Investment

The maximum term for your AIPQ property investment program is (3) three years, however normally the period is only 2.5 years.

The AIPQ program of which we anticipate a 2.5 years’ period allows a period of six (6) months for the Finance to be approved, then settlement of the property, the build of the house and (2) two years of occupancy by the tenant/buyer.

At the expiry of the term the tenant/buyer then completes the purchase contract and purchases the property from you the investor. The Tenant / Buyer if there are enough funds for their deposit to buy the property, may come out of the Investment Program earlier at the same purchase price.

The program or term mentioned of (3) years allows an extra (6) six months should there be any delays with finance, settlement, or the build.

Also, if the tenant/buyer experiences any circumstance that may delay the program. eg: Loss of income due to injury or illness.