This document summarizes a presentation given by Peter Gribble, Managing Director of Quantum, a financial services and property company. The presentation provides an overview of Quantum's 32 years of experience, $1.9 billion in transactions, and discusses market updates on topics like interest rates, population growth, and infrastructure. It also covers options for first home buyers, including building a deposit through savings or the 'Bank of Mum and Dad', using superannuation, and available government assistance programs.

1. Peter Gribble
Managing Director
FHO Seminar - September 2018
www.quantumgroup.com.au

2. 32 Years
Quantum has been operation in the
financial services and property
markets since 1986.
Quantum Model

3. $1.9b
Quantum has undertaken over $1.9b in
financial transactions.
Quantum Model

4. Market Update
Time to buy

5. Stock Deficiency

6. Stock Deficiency

7. Stock Deficiency

8. Interest Rate Outlook
Source: Westpac Economics

9. Population Growth
xxxxxx

10. Population Boom

11. Population Boom

12. Population Boom

13. Population Boom

14. Infrastructure
xxxxx
xxxxxx

15. Sydney Falls
xxxxx
xxxxxx

16. Price Fall – Higher End

17. First Home
Options

18. Buying your
first home

19. Notes
TO BUY OR NOT
RENT BUY WAIT

20. Notes
Forever Renter
• Always Renting.
• Never save a deposit.
• Chasing Price rises.
• Rental increases harder to
save.
• Rates go up, harder to service.
TO BUY OR NOT

21. Notes
Rent and one day will buy
• FHO may disappear
• Interest rates will go up.
• Prices will go up (MT-LT).
• Missed opportunity.
• Lack of choice.
TO BUY OR NOT

22. Notes
Home Owner
• Saved a deposit or had help.
• Same cost as renting.
• Get on capital gain train.
• Can use equity in the future for
investment property.
TO BUY OR NOT

23. Notes
BUY vs RENT/BUY vs RENT
Buyer Renter/Buyer
Pays a premium for property
and loss of capital gain
Get in early and has all the
upside

24. 6 Steps to buying your first home
Step 1
Step 2
Step 3
Step 4
Step 5
Step 6
Commit to a Plan
Deposit Options
Cash Flow ==> Rent vs Buy
Finance Options
Model up Options
Transact

25. Build a Deposit
Savings
SMSF
Bank of Mum & Dad

26. • About one-third of Australian parents
have lent their kids money to buy a
house
• The 'Bank of Mum and Dad' is now the
fifth-biggest lender behind the big four
• Parents in Australia have loaned out
$65.3 million in total to their children
• Most parents do not expect to be paid
back for the money they have loaned
"Bank of Mum and Dad' now fifth-
biggest lender in Australia"

27. ATO use of SF
First home super saver scheme
• Maximum of $15,000 of your voluntary contributions a FY
• Total of $30,000 contributions across all years. You will also receive an
amount of earnings that relate to those contributions.
Three key things to remember are:
• You can only apply for release once.
• Don't sign your contract to purchase or construct your home until after we
have released your money or you may be liable to pay FHSS tax.
• After we have approved the release, it will take about 25 business days for
you to receive your money.

28. How to fund your Home

29. How to fund your Home

30. How to fund your Home

31. How to fund your Home

32. How to fund your Home

33. How to fund your Home

34. How to fund your Home

35. Parents Options
Effects Lend them
money
Guarantee a
loan
Draw own
loan
QReal Plan
Advantages Low Risk Utilise Equity in
home
Utilise equity to
draw down loan
Utilise Superannuation
so Gross dollars.
Fast and simple Relatively simple Could be effective if
not looking to invest
yourself
Doesn’t affect borrowing
capacity
Disadvantages Ties up
borrowing
capacity
Ties up borrowing
capacity
Ties up borrowing
capacity
Reduce exposure to
other investments.
Need cash
available
Default risk if
repayments are
not made
Complex and higher
risk, higher
repayments
Investment Risk
Spouse risk
repayment
Spouse risk
repayment
Spouse risk
repayment
No loan, no risk

36. Government Help Fact Sheet
➢ No stamp duty on all homes up to $650,000.
➢ Give stamp duty relief for homes up to $800,000.
➢ Give a $10,000 for new homes up to $750,000.
➢ No insurance duty on lenders’ mortgage
insurance.
➢ Ensuring foreign investors pay higher duties and
land taxes
➢ No longer allow investors to defer paying stamp
duty on off-the-plan purchases.

37. New Home Owners…..
➢ At least one applicant as a permanent resident or an
Australian citizen.
➢ Be 18 years or older.
➢ Not have owned a residential property in Australia
before July 2000.
➢ All applicants have not previously owned a residential
property for a continuous period of at least six months.
➢ All applicants have not previously received a grant
under the First Home Owner Grant Act 2000 in any state
or territory.
➢ At least one applicant will occupy the home as their
principal place of residence for a continuous period of 6
months.

38. Questions and Answers

39. Bank Rates

40. Project Update

41. 1300 360 949 / www.qreal.com.au
Quantum Residential Property Trust ARSN 165 569 335

42. Financial Advice Disclaimer
Information provided in this presentation is general in nature and does not constitute personal advice.
QSmart Securities Pty Ltd (AFSL 307 396) and any of its entities will endeavour to update the
presentation as needed, however information can change without notice. QSmart Securities Pty Ltd
does not guarantee the accuracy of information in the presentation, including information provided by
third parties, at any particular time.
Every effort has been made to ensure that the information provided is accurate. Individuals must not
rely on this information to make a financial or investment decision. Before making any decision, we
recommend you consult a financial planner to take into account your particular investment objectives,
financial situation and individual needs.
QSmart Securities Pty Ltd and Quantum Funds Management does not give any warranty as to the
accuracy, reliability or completeness of information which is contained in this presentation. Except in
so far as any liability under statute cannot be excluded, Quantum Funds Management and its
employees do not accept any liability for any error or omission in this presentation or for any resulting
loss or damage suffered by the recipient or any other person.
Legal Statement
While all reasonable care has been taken in providing this information, it should not be construed as
being specific to your investment objectives, financial situation or particular needs.
Unless otherwise specified, copyright of information provided in this presentation is owned by
Quantum Funds Management. You may not alter or modify this information in any way, including
removing this copyright notice.

43. Quantum Projects
Invest with a manager that since 1999 has established and managed
over 25 registered property and mortgage scheme is Australia

44. Quantum Projects

52. Quantum Directors
Peter Gribble - Managing Director - 28 years’ experience
Peter Gribble is the founder of Quantum and was responsible for the direction and development of
many of its property products. Mr. Gribble is a qualified accountant and has 28 years experience in
tax, the investment markets and property. Mr. Gribble has been involved in approximately AU$1.9
billion of property transactions over that period, including direct involvement in most aspects of
property acquisitions, management and development.
Education
Bachelor of Economics majoring in Accounting
at La Trobe University Melbourne, 1985.
Taxation Institute of Accountants 1998.
Member of ASCPA’s CPA 1993, Property, Stock,
& Business Agent 2004.
Benjamin Dillon – Non-executive Director - 30 years’ experience
Mr. Dillon has over 30 years experience in a variety of business related roles including Westpac where
he was a senior executive in Institutional Bank originations responsible for the Hotels portfolio before
becoming Head of Property. Prior to this Mr Dillon was an executive at Macquarie Bank Limited where
he specialised in hospitality and leisure property transactions and also a Partner and Director of
corporate finance at KPMG.
Bachelor of Economics & Law from the
University of Sydney.
Masters of Management (Marketing) from the
Macquarie University Graduate School of
Management.
Fellow of the Financial Services Institute of
Australasia and a Member of the Royal
Institution Chartered Surveyors.
Chartered Accountant.
Scott Riedel – Non-executive Director - 25 years’ experience
After more than 25 years in financial services industry, Scott has obtained a broad range of
experiences as a financial services professional with extensive knowledge in global markets,
investment and asset management and private banking. Most recently, Scott led the Private Wealth
division of AMP and was responsible for the establishment, refinement and growth of a new advisory
business model to enter the Australian High Net Worth market. Prior to joining AMP, Scott was
previously the Head of Perpetual Private Clients business and before that the Executive General
Manager of the Commonwealth Private Bank. Before private banking, Scott held various treasury and
investment positions with Citibank and Citigroup in Australia, the US and Europe.
Scott holds a Bachelor of Science Degree from the
University of New South Wales, a Graduate
Diploma of Applied Finance from the Securities
Institute of Australia, attended the Stanford
University School of Business Executive Program,
and is a graduate member of the Australian
Institute of Company Directors.

53. Quantum Managers
Stephen Taylor – Chief Financial Officers - 23 years experience
Stephen joined the Quantum Group in November 2017. He brings over 23 years of across a broad range of industries covering
financial services, professional services, manufacturing, infrastructure and construction. Prior to joining Quantum Stephen was
the Financial Controller at Rocla, a leading supplier of precast products to civil contractors, developers and others for use in
infrastructure and land development projects. Prior to this Stephen held a number of similar positions at Leighton Contractors, a
leading international construction company and a member of the CIMIC Group, and other organisations covering primarily
financial services. Stephen holds a Bachelor of Commerce from the University of Western Sydney and has been a member of
CPA Australia since 2000.
Ben Thrum - Head of Design/Digital - 20 years experience
Ben Thrum is a highly creative, motivated, and commercially savvy Design/Digital Manager, with 20 years’ experience in utilising
Agile Methodologies to implement and drive key project and strategic initiatives across multidisciplinary teams. Ben has worked
on commercial projects with a wide range of clients including Origin Energy, AMP, Pernod Ricard, Westpac, CCA, Nestle and more.
Running one of Australia’s first digital agencies, Ben has been exposed to a wide range of technologies and projects. Ben joined
Quantum 2014 and is responsible for the delivery of the project design and project marketing initiatives.
He is a member of the internal design review committee that ensures Quantum’s projects are buildable, saleable and offer the
best product available to our clients. Working with industry suppliers, he is also responsible for the design & selection of fixtures
and fittings for our residential projects. He has a Diploma in Multimedia design and undertaken numerous industry training
initiatives and online courses.
Hazem Najar - Development Manager - 18 Years Experience
Hazem Najar is an envisioned leader and a qualified Project Manager and Cost Control professional with over 18 years of
Property Development & Construction Management background. With a proven track record of providing planning, leadership,
direction and technical expertise to manage multi-million dollar mix use & residential projects. He provided strategic consulting,
planning, engineering, program and construction management services to both public and private sector clients. His history
shows his own methodology, which is to work by providing leadership, goal setting, communication, listening, problem solving,
negotiation, motivation and continual improvement. He understands and values differences, using strengths of members and
balancing weaknesses in his team.

54. Corporate Directory
Responsible Entity
Trust Manager
Quantum Funds Management Limited
ACN 086-965-684
AFSL 237 301
Sydney Office:
Address
Level 6, 50 Margaret Street
Sydney NSW Australia 2000
Telephone
02 8823 5222
1300 360 949
Facismile 02 8823 5281
Email info@quantumgroup.com.au