Important Information & Disclaimers

Last Updated: 05/12/2025

General Information Only

The information contained on this website is general in nature and is provided for informational and educational purposes only. It does not take into account your individual circumstances, financial situation, objectives, or needs.

This is not personal financial advice. Before making any property investment decision, you should:

  • Assess whether the information is appropriate for your circumstances
  • Consider your financial position, investment objectives, and risk tolerance
  • Consult with appropriately licensed financial advisors, accountants, lawyers, and other professionals
  • Conduct your own due diligence and research

Harmony Group does not hold an Australian Financial Services License (AFSL) and does not provide personal financial advice as defined by the Corporations Act 2001.

Investment Risk Warnings

Property Investment Carries Risk

Investment in property involves significant financial risk, including but not limited to:

  • Market Risk: Property values may decline due to market conditions, economic factors, or local area changes
  • Income Risk: Rental income may be lower than projected due to vacancy, tenant issues, or market conditions
  • Interest Rate Risk: Changes in interest rates affect borrowing costs and cash flow
  • Liquidity Risk: Property cannot be quickly converted to cash and may be difficult to sell
  • Regulatory Risk: Government policies, taxation, zoning, and regulations may change unfavorably
  • Management Risk: Property performance depends significantly on property management quality
  • Leverage Risk: Borrowing to invest magnifies both gains and losses
  • Personal Circumstance Risk: Changes in your employment, health, or relationships may affect ability to hold investments

You may lose some or all of your invested capital. Property investment is not suitable for all investors.

No Guarantees or Warranties

Past Performance

Past performance of properties, yields, capital growth, or investment outcomes is not a reliable indicator of future performance. Historical data, case studies, and examples provided on this website represent specific circumstances and should not be relied upon as indicative of what you will achieve.

Projected Returns

Any projected returns, yields, rental income, capital growth, or investment outcomes mentioned on this website are:

  • Estimates based on current market conditions and assumptions
  • Not guaranteed and may not be achieved
  • Subject to change based on numerous factors beyond our control
  • Provided for illustrative purposes only

Actual results may vary significantly from projections due to market conditions, property-specific factors, management quality, economic changes, regulatory changes, and individual circumstances.

No Guarantee of Outcomes

Harmony Group makes no guarantee, warranty, or representation about:

  • Rental yields or income levels
  • Occupancy rates or vacancy periods
  • Capital growth or property values
  • Tax benefits or treatment
  • Timeframes for achieving financial goals
  • Suitability of any property for your circumstances

Yield and Income Disclosures

Yield Calculations

Where yield percentages (e.g., “10-12% yields”) are mentioned:

  • Gross Yields: Calculated as annual rental income divided by property purchase price, expressed as a percentage
  • Before Expenses: Yields quoted are typically gross yields before deducting property management fees, maintenance, insurance, rates, land tax, and other expenses
  • Before Financing: Yields do not account for mortgage interest, loan fees, or other financing costs
  • Before Tax: Yields do not account for income tax, capital gains tax, or other taxation
  • Market Dependent: Actual yields depend on rental market conditions, tenant quality, and property management effectiveness

Net yields and actual returns will be lower after accounting for all expenses, financing costs, and taxation.

Income Projections

Where income projections (e.g., “$15,000-$25,000 annual positive cash flow”) are mentioned:

  • Based on specific assumptions about interest rates, occupancy, expenses, and tax rates
  • Assume standard lending terms and conditions
  • Individual circumstances will vary significantly
  • Actual income may be substantially different based on your financing structure, tax position, and market conditions

Rental Market Data

Rental rates and market data presented:

  • Based on third-party sources including SQM Research, CoreLogic, Domain, and Real Estate Institute data
  • Represents market conditions at specific points in time
  • May not reflect current conditions
  • Can change rapidly based on market dynamics

Co-Living Specific Disclosures

Regulatory Compliance

Co-living properties mentioned on this website require Class 1B certification (or equivalent state-specific classification) to legally operate. Properties without proper certification may:

  • Face significant fines and penalties (up to $125,000+ in some jurisdictions)
  • Be subject to immediate closure orders
  • Result in criminal prosecution in severe cases
  • Be uninsurable and unfinanceable
  • Have no legal recourse for disputes

It is your responsibility to ensure any property you purchase has appropriate certifications and council approvals before settlement.

Specialist Management Required

Co-living properties require specialist property management with experience in multi-tenant, shared accommodation properties. Standard residential property managers may not have the expertise required. Poor management can result in:

  • Higher than projected vacancy rates
  • Tenant disputes and turnover
  • Compliance issues
  • Lower than expected income
  • Increased maintenance costs

Market Risks Specific to Co-Living

Co-living investments carry additional risks compared to traditional residential property:

  • Regulatory Risk: Regulations around co-living are evolving and may change unfavorably
  • Market Saturation: Local areas may become oversupplied with co-living properties
  • Tenant Demographic Risk: Demand depends on specific tenant profiles (FIFO workers, regional workers, professionals)
  • Zoning Changes: Council zoning may change to restrict co-living use
  • Exit Strategy: Smaller market of buyers for co-living properties compared to traditional residential
  • Conversion Costs: Converting to traditional residential use may require significant modifications

Property Sourcing and Selection

118-Point Analysis Methodology

References to “118-point analysis” or similar systematic property selection methodologies:

  • Represent Harmony Group’s internal property evaluation framework
  • Are not guarantees of property performance or investment outcomes
  • Cannot eliminate investment risk
  • May not identify all relevant risk factors
  • Are subject to data quality and availability limitations
  • Reflect point-in-time analysis that may not account for future changes

Properties that “pass” analysis may still underperform or result in losses.

Market Selection

Where specific markets (e.g., Melbourne, Adelaide, Perth) are recommended or other markets (e.g., Brisbane) are not recommended:

  • Based on current market analysis and conditions
  • Subject to change as markets evolve
  • May not reflect individual circumstances or objectives
  • Not a guarantee that recommended markets will outperform
  • Not a guarantee that non-recommended markets will underperform

Third-Party Relationships

SQM Research Partnership

References to partnership with SQM Research:

  • Harmony Group subscribes to SQM Research data services
  • SQM Research provides independent market data and analysis
  • SQM Research does not endorse Harmony Group or any specific properties
  • Data is subject to SQM Research’s own terms and disclaimers
  • Market data is historical and does not predict future performance

Property Managers

References to property manager relationships, occupancy rates, or performance metrics:

  • Based on third-party property manager data and representations
  • Historical performance may not continue
  • Property manager performance varies by property and market
  • You are free to choose any property manager (not obligated to use Harmony partners)
  • Harmony Group receives no commissions from property managers

Builders

References to builder relationships, build times, or quality:

  • Based on historical builder performance
  • Not a guarantee of future performance or timeline adherence
  • Builder warranties and insurance are separate from Harmony Group
  • You are free to choose any builder (not obligated to use Harmony partners)
  • Harmony Group may receive referral fees from builders

Financial Information

Untitled Land Strategy

Where “untitled land strategy” or similar is mentioned:

  • Involves purchasing land before subdivision is complete
  • Carries risks including subdivision delays, finance approval challenges, and title transfer issues
  • Requires understanding of contracts and legal obligations
  • May involve cooling-off period limitations
  • Should be reviewed by qualified solicitor before signing

Deposit and Payment Structures

Payment structures described (e.g., “5% deposit on land, 5% on build”):

  • Are examples only and may vary by builder, location, and property
  • Require adequate funds at specified milestones
  • May not include all costs (legal fees, stamp duty, furniture, etc.)
  • Should be reviewed with your accountant and solicitor

Finance Requirements

Where borrowing capacity or finance requirements are discussed:

  • Based on general lending criteria
  • Individual circumstances vary significantly
  • Lender policies change regularly
  • Pre-approval does not guarantee final approval
  • You should consult with licensed mortgage brokers or financial advisors

Tax and Legal Information

Taxation

Any discussion of tax benefits, deductions, depreciation, or tax treatment:

  • Is general information only
  • May not apply to your circumstances
  • Tax laws change regularly
  • Should be verified with qualified tax accountants
  • May have unintended consequences

Harmony Group is not a registered tax agent and does not provide tax advice.

Legal Compliance

You are responsible for:

  • Engaging qualified solicitors to review contracts
  • Understanding all legal obligations before signing
  • Ensuring properties meet all regulatory requirements
  • Complying with landlord obligations and tenant laws
  • Obtaining appropriate insurance coverage

Harmony Group is not a law firm and does not provide legal advice.

Case Studies and Testimonials

Client Examples

Where client case studies, examples, or success stories are presented:

  • Represent specific individual circumstances
  • Are not typical of all investors
  • May not be achievable by you
  • Have been included with client permission
  • May not represent complete financial picture (e.g., may not show losses, challenges, or setbacks)

Results vary widely and you should not expect to achieve similar results.

Testimonials

Client testimonials:

  • Reflect individual opinions and experiences
  • May not be representative of all clients
  • Have been included with client permission
  • May have been edited for length or clarity (but not substantive content)

Fees and Compensation

How Harmony Group Is Compensated

Harmony Group receives referral fees from builders when clients purchase properties. These fees:

  • Are paid by the builder at settlement
  • Are the same across all builders on Harmony’s panel (no incentive to prefer specific builders)
  • Are disclosed to clients during consultation process
  • Do not create additional cost to clients beyond the property purchase price

Harmony Group does not receive:

  • Commissions from lenders or mortgage brokers
  • Commissions from property managers (where applicable)
  • Ongoing management fees from clients

No Hidden Fees

Clients pay:

  • Property purchase price
  • Standard conveyancing and legal fees
  • Standard settlement costs (stamp duty, transfer fees, etc.)
  • Furniture and fit-out costs (where applicable)
  • Inspection fees (if chosen)

Clients do NOT pay:

  • Buyer’s agent fees to Harmony Group
  • Finder’s fees or success fees
  • Consultation fees (initial consultations are free)

Website Content

Accuracy of Information

While Harmony Group strives to keep information accurate and current:

  • Information may become outdated as markets and regulations change
  • Typographical errors may occur
  • Third-party data may contain errors
  • Website may not reflect most recent developments

Always verify information with current sources before making decisions.

External Links

This website may contain links to external websites:

  • Harmony Group does not control or endorse external websites
  • External websites have their own terms, conditions, and privacy policies
  • Harmony Group is not responsible for content on external websites

Limitation of Liability

To the maximum extent permitted by law:

  • Harmony Group excludes all liability for loss or damage arising from use of this website or reliance on information contained herein
  • This includes direct, indirect, incidental, consequential, or punitive damages
  • This includes loss of profits, revenue, data, or business opportunities

This limitation applies even if Harmony Group has been advised of the possibility of such damages.

Nothing in these disclaimers excludes liability that cannot be excluded under Australian Consumer Law.

Professional Advice Required

Before making any property investment decision, you should obtain advice from:

  • Licensed Financial Advisor – for personal financial advice and investment strategy
  • Qualified Accountant – for tax implications and financial structuring
  • Experienced Solicitor – for contract review and legal obligations
  • Licensed Mortgage Broker – for finance options and borrowing capacity
  • Insurance Broker – for appropriate insurance coverage

Do not rely solely on information from this website or Harmony Group consultations.

Privacy

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which should be read in conjunction with these disclaimers.

Updates to Disclaimers

Harmony Group may update these disclaimers at any time without notice. Your continued use of this website after changes constitutes acceptance of updated disclaimers.

Last Updated: 06/12/2025

Questions or Concerns

If you have questions about these disclaimers or the information on this website, please contact:

Harmony Group
Email: contact@theharmonygroup.com.au
Phone: 1300 902 396
Address: Level 4 / 459 Church Street, Richmond, VIC 3121

By using this website, you acknowledge that you have read, understood, and agree to these disclaimers.