UNLOCK YOUR FIRST HOME WITH $0 UPFRONT Deposit**

**To be eligible, customers must (i) qualify for the Queensland Government's First Home Owner Grant (FHOG); (ii) have a 5% deposit funded through the FHOG and Start Point Homes (which can then be applied to land and build contract deposits, government charges and lending costs); (iii) meet Queensland State Revenue Office eligibility criteria for no stamp duty to be payable on contracts under $600,000; and (iv) qualify for an approved lender's home loan. Lender's mortgage insurance will not apply as it does not form part of an approved lender's criteria. Eligible customers are not required to make any loan repayments until building contract completion. Lender's criteria, costs, fees, terms conditions and approval conditions apply. Offer is available on Start Point Homes house and land packages in select estates only. In Queensland, credit assistance is arranged through and provided by credit representatives of Matera Finance Pty Ltd ACN 118 515 843 trading as Nu-Age Finance is a Credit Representative (Credit Reference Number 396701) acting on behalf of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit License Number 391237). Start Point Homes may vary this offer at any time & does not supply credit services, finance or land. Start Point Homes is a trading name of Simonds IP Pty Ltd ABN 56 144 839 805. Start Point Homes are built by Simonds Queensland Constructions Pty Ltd ACN: 144 869 643 - Licence 1192095.

**To be eligible, customers must (i) qualify for the Queensland Government's First Home Owner Grant (FHOG); (ii) have a 5% deposit funded through the FHOG and Start Point Homes (which can then be applied to land and build contract deposits, government charges and lending costs); (iii) meet Queensland State Revenue Office eligibility criteria for no stamp duty to be payable on contracts under $600,000; and (iv) qualify for an approved lender's home loan. Lender's mortgage insurance will not apply as it does not form part of an approved lender's criteria. Eligible customers are not required to make any loan repayments until building contract completion. Lender's criteria, costs, fees, terms conditions and approval conditions apply. Offer is available on Start Point Homes house and land packages in select estates only. In Queensland, credit assistance is arranged through and provided by credit representatives of Matera Finance Pty Ltd ACN 118 515 843 trading as Nu-Age Finance is a Credit Representative (Credit Reference Number 396701) acting on behalf of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit License Number 391237). Start Point Homes may vary this offer at any time & does not supply credit services, finance or land. Start Point Homes is a trading name of Simonds IP Pty Ltd ABN 56 144 839 805. Start Point Homes are built by Simonds Queensland Constructions Pty Ltd ACN: 144 869 643 - Licence 1192095.