Terms and Conditions

Please see below for relevant Terms and Conditions relating to Express Living products.
If you need clarification on any of the points below, please call the office on (08) 9241 1711.

  • GENERAL DISCLAIMER
  • HOME + LAND DISCLAIMER
  • FINANCE DISCLAIMER
  • EXPRESS ESSENCE RANGE SERIES
  • BROWNSTONES + SKY GARDEN SERIES
  • EXPRESS MEGA SERIES: HOME + LAND PACKAGE WEEKLY REPAYMENTS
  • BROWNSTONES BYO BLOCK CONDITIONS
  • BROWNSTONES HOME + LAND PACKAGES PRICING DISCLAIMER:
  • VIBE COLLECTION
  • SHOREHAVEN, ALKIMOS: HOME + LAND WEEKLY REPAYMENTS

Express Living give notice that: All information given whether contained in this website, downloadable documents or given orally is given without responsibility and no express or implied warranty is given as to their accuracy and is not intended to form part of any contract;

  • Interested parties should satisfy themselves as to the truth or accuracy of all information given by making their own inquiries, inspections, searches and taking their own advice or as is otherwise necessary;
  • All information provided on the website is for general information only and may not be completely accurate in every circumstance.
  • Please seek professional advice for information specific to your individual circumstances;
  • Any Ventura Homes, Aussie Living Homes and Smart Homes For Living promotions are not affiliated in any way to Express Living Homes.

Express Living Homes (Express), Builder Construction Number 10805, is part of the Ventura Home Group Pty Ltd.

The price advertised is an estimate of the costs to build with Express, and separately purchase the underlying land. The estimated price is therefore subject to change once all site works plans are completed and the current market value of the land and other relevant costs are taken into consideration.The contract to purchase the land is separate from the contract you sign with Express to build the house.

Land:
Express does not own the underlying land. Express has been authorised by the landowner (Developer) to advertise the land as being available. The estimated land price does not include transfer duty, settlement costs, or any other fees or disbursements associated with the settlement of the land. Express will not negotiate the sale of the land and will direct you to the land owner’s agent so you can negotiate the purchase of the land (including any fees and duties) directly with the agent. Occasionally, Express may receive a rebate from the landowner. These rebates may have been included in the estimated price and are subject to change.

The information and estimated pricing is correct at the time of printing, but subject to change without notice. Express does not guarantee the availability or price of the land. Speak to the land owner’s agent for further information.

Home:
The contract to build the home will be executed with Express Living Homes. The estimated cost of building includes providing the building features described in the text of the advertisement. The building price is estimated based on assumptions Express has made about site conditions and building inclusions. The actual price to you may change depending on the specific inclusions or changes you request, and matters identified during site works (including but not limited to local Government requirements, compliance with 6-star energy assessments and developer covenants).

To the extent a first home owner grant (FHOG) is available and specified in the advertised price, the estimated build price assumes you may be eligible for the first home buyer’s grant and the advertised price has therefore been reduced to reflect this grant.

The elevation and images depicted in this advertisement are solely for illustrative purposes and are based on display homes. The pictures used may include features (such as but not limited to light fixtures, feature tiling/cladding, water features, landscaping features, planter boxes, turf, outdoor areas, retaining walls, pergolas, paving, decking, BBQs and outdoor kitchens) not included as part of the standard building contract.

Should you be interested in building with Express Living, an Express sales consultant will provide you with further information about the contracts and arrangements that you will be required to execute. All Express sales consultants will disclose any and all commissions, fees or benefits they may receive from sources other than Express when assisting you with your house and land package.

*V Homeloans – VHG Finance Pty Ltd T/A V Homeloans is a Corporate Credit Representative Number 495067 authorised under Australian Credit Licence Number 389328.

Your full financial situation would need to be reviewed prior to acceptance of any offer or product.

All Homes included in the ‘Essence Range’ collection are excluded from any additional Express Living Promotions. Should any client be interested in adding a promotion to your home purchase an Express Living sales consultant will provide you with further information about the additional price, contracts and arrangements that you will be required to execute.

All Homes included in the ‘Brownstones’ or ‘Sky Garden’ collections are excluded from any additional Express Living Promotions. Should any client be interested in adding a promotion to your home purchase an Express Living sales consultant will provide you with further information about the additional price, contracts and arrangements that you will be required to execute.

House and land packages are subject to availability and can change without notice. Design price is based on The Autumn (12.5m) design.

Repayments have been calculated on a purchase price of $364,000 and a total loan amount of $292,658 using a Flexi First Option 2 Year Introductory Rate of 3.59% (comparison rate 4.42% per annum) on a loan term of 30 years. Repayments are based on principle and interest payments through Westpac and are current as of the 31/08/2018. Loan amount used has been calculated using a 10% deposit and eligibility for the first home owners grant of $10,000. Loan amount is inclusive of LMI (lenders mortgage insurance) but exclusive of additional lender charges and settlement fees. Comparison rate is based on $150,000 over 25 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Interest rates are subject to change and finance applications must meet the lenders standard credit terms and conditions. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Finance services are provided by VHG Finance Pty Ltd T/A V Homeloans; Corporate Credit Representative Number 495067 is authorised under Australian Credit Licence No. 389378.

Express Living will conduct a free site assessment within 24 hours to determine if we can build you a free standing Brownstones on the block of land you have submitted. Pricing of Brownstones home will then be determined after site assessment.

South (Golden Bay)

Package Price $299,990
Weekly repayment $276

Repayments have been calculated on a purchase price of $299,990 and a total loan amount of $264,000 using a Flexi First Option 2 Year Introductory Rate of 3.59% (comparison rate 4.42% per annum) on a loan term of 30 years. Repayments are based on principle and interest payments through Westpac and are current as of the 07/03/2018. Loan amount used has been calculated using a 10% deposit and eligibility for the first home owners grant of $10,000. Loan amount is inclusive of LMI (lenders mortgage insurance) but exclusive of additional lender charges and settlement fees. Comparison rate is based on $150,000 over 25 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Interest rates are subject to change and finance applications must meet the lenders standard credit terms and conditions. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Finance services are provided by VHG Finance Pty Ltd T/A V Homeloans; Corporate Credit Representative Number 495067 is authorised under Australian Credit Licence No. 389378.

* Terms & Conditions
Repayments from $276 per week

Package Price $308,000
Weekly repayment $284

* Terms & Conditions
Repayments from $284 per week

Repayments have been calculated on a purchase price of $308,000 and a total loan amount of $271,500 using a Flexi First Option 2 Year Introductory Rate of 3.59% (comparison rate 4.42% per annum) on a loan term of 30 years. Repayments are based on principle and interest payments through Westpac and are current as of the 07/03/2018. Loan amount used has been calculated using a 10% deposit and eligibility for the first home owners grant of $10,000. Loan amount is inclusive of LMI (lenders mortgage insurance) but exclusive of additional lender charges and settlement fees. Comparison rate is based on $150,000 over 25 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Interest rates are subject to change and finance applications must meet the lenders standard credit terms and conditions. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Finance services are provided by VHG Finance Pty Ltd T/A V Homeloans; Corporate Credit Representative Number 495067 is authorised under Australian Credit Licence No. 389378.

South (Vivente Estate)

Package Price $389,038
Weekly repayment $364

Repayments have been calculated on a purchase price of $389,038 and a total loan amount of $347,500 using a Flexi First Option 2 Year Introductory Rate of 3.59% (comparison rate 4.42% per annum) on a loan term of 30 years. Repayments are based on principle and interest payments through Westpac and are current as of the 04/05/2018. Loan amount used has been calculated using a 10% deposit and eligibility for the first home owners grant of $10,000. Loan amount is inclusive of LMI (lenders mortgage insurance) but exclusive of additional lender charges and settlement fees. Comparison rate is based on $150,000 over 25 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Interest rates are subject to change and finance applications must meet the lenders standard credit terms and conditions. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Finance services are provided by VHG Finance Pty Ltd T/A V Homeloans; Corporate Credit Representative Number 495067 is authorised under Australian Credit Licence No. 389378.

North (Trinity)

Package Price $339,475
Weekly repayment $314

* Terms & Conditions
Repayments from $314 per week

Repayments have been calculated on a purchase price of $339,475 and a total loan amount of $300,000 using a Flexi First Option 2 Year Introductory Rate of 3.59% (comparison rate 4.42% per annum) on a loan term of 30 years. Repayments are based on principle and interest payments through Westpac and are current as of the 09/05/2018. Loan amount used has been calculated using a 10% deposit and eligibility for the first home owners grant of $10,000. Loan amount is inclusive of LMI (lenders mortgage insurance) but exclusive of additional lender charges and settlement fees. Comparison rate is based on $150,000 over 25 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Interest rates are subject to change and finance applications must meet the lenders standard credit terms and conditions. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Finance services are provided by VHG Finance Pty Ltd T/A V Homeloans; Corporate Credit Representative Number 495067 is authorised under Australian Credit Licence No. 389378.

North (Alkimos)
Package Price $327,500
Weekly repayment $301

* Terms & Conditions
Repayments from $301 per week

Repayments have been calculated on a purchase price of $327,500 and a total loan amount of $287,757 using a Flexi First Option 2 Year Introductory Rate of 3.59% (comparison rate 4.42% per annum) on a loan term of 30 years. Repayments are based on principle and interest payments through Westpac and are current as of the 07/03/2018. Loan amount used has been calculated using a 10% deposit and eligibility for the first home owners grant of $10,000. Loan amount is inclusive of LMI (lenders mortgage insurance) but exclusive of additional lender charges and settlement fees. Comparison rate is based on $150,000 over 25 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Interest rates are subject to change and finance applications must meet the lenders standard credit terms and conditions. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Finance services are provided by VHG Finance Pty Ltd T/A V Homeloans; Corporate Credit Representative Number 495067 is authorised under Australian Credit Licence No. 389378.

Central (Amble)
Package Price $371,000
Weekly repayment $344

* Terms & Conditions
Repayments from $344 per week

Repayments have been calculated on a purchase price of $371,000 and a total loan amount of $328,389 using a Flexi First Option 2 Year Introductory Rate of 3.59% (comparison rate 4.42% per annum) on a loan term of 30 years. Repayments are based on principle and interest payments through Westpac and are current as of the 07/03/2018. Loan amount used has been calculated using a 10% deposit and eligibility for the first home owners grant of $10,000. Loan amount is inclusive of LMI (lenders mortgage insurance) but exclusive of additional lender charges and settlement fees. Comparison rate is based on $150,000 over 25 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Interest rates are subject to change and finance applications must meet the lenders standard credit terms and conditions. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Finance services are provided by VHG Finance Pty Ltd T/A V Homeloans; Corporate Credit Representative Number 495067 is authorised under Australian Credit Licence No. 389378.

East (Aveley)
Package Price $328,500
Weekly repayment $304

* Terms & Conditions
Repayments from $304 per week

Repayments have been calculated on a purchase price of $328,500 and a total loan amount of $290,000 using a Flexi First Option 2 Year Introductory Rate of 3.59% (comparison rate 4.42% per annum) on a loan term of 30 years. Repayments are based on principle and interest payments through Westpac and are current as of the 07/03/2018. Loan amount used has been calculated using a 10% deposit and eligibility for the first home owners grant of $10,000. Loan amount is inclusive of LMI (lenders mortgage insurance) but exclusive of additional lender charges and settlement fees. Comparison rate is based on $150,000 over 25 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Interest rates are subject to change and finance applications must meet the lenders standard credit terms and conditions. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Finance services are provided by VHG Finance Pty Ltd T/A V Homeloans; Corporate Credit Representative Number 495067 is authorised under Australian Credit Licence No. 389378.

East (Caversham)
Package Price $367,030
Weekly repayment $343

* Terms & Conditions
Repayments from $343 per week

Repayments have been calculated on a purchase price of $367,030 and a total loan amount of $327,300 using a Flexi First Option 2 Year Introductory Rate of 3.59% (comparison rate 4.42% per annum) on a loan term of 30 years. Repayments are based on principle and interest payments through Westpac and are current as of the 07/03/2018. Loan amount used has been calculated using a 10% deposit and eligibility for the first home owners grant of $10,000. Loan amount is inclusive of LMI (lenders mortgage insurance) but exclusive of additional lender charges and settlement fees. Comparison rate is based on $150,000 over 25 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Interest rates are subject to change and finance applications must meet the lenders standard credit terms and conditions. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Finance services are provided by VHG Finance Pty Ltd T/A V Homeloans; Corporate Credit Representative Number 495067 is authorised under Australian Credit Licence No. 389378.

$374,490 package

$344 per week

* Terms and Conditions – Weekly P&I repayments are based on Bank of Queensland 2 Year Intro Rate Variable Home Loan at 3.59% (Comparison Rate 4.19%) repayable over 30 years. Home Loan based upon 10% deposit and eligibility for the First Home Owners Grant of $10,000 (includes Lenders Mortgage Insurance but exclusive of additional lender charges and settlement fees). Note: Rates are current as at October 10th 2018 and subject to change. Comparison rate is based on $150,000 over 25 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Interest rates are subject to change and finance applications must meet the lenders standard credit terms and conditions.  Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Finance services are provided by VHG Finance Pty Ltd T/A V Homeloans; Corporate Credit Representative Number 495067 is authorised under Australian Credit Licence No. 389378.

East (Vale Estate)

Package Price $335,455
Weekly repayment $310

* Terms & Conditions
Repayments from $310 per week

Repayments have been calculated on a purchase price of $335,455 and a total loan amount of $296,500 using a Flexi First Option 2 Year Introductory Rate of 3.59% (comparison rate 4.42% per annum) on a loan term of 30 years. Repayments are based on principle and interest payments through Westpac and are current as of the 09/05/2018. Loan amount used has been calculated using a 10% deposit and eligibility for the first home owners grant of $10,000. Loan amount is inclusive of LMI (lenders mortgage insurance) but exclusive of additional lender charges and settlement fees. Comparison rate is based on $150,000 over 25 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Interest rates are subject to change and finance applications must meet the lenders standard credit terms and conditions. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Finance services are provided by VHG Finance Pty Ltd T/A V Homeloans; Corporate Credit Representative Number 495067 is authorised under Australian Credit Licence No. 389378.

The Amble

$369,079 Package
$329,100 Loan
$345 pw repayment

* Terms & Conditions
Repayments from $345 per week

Repayments have been calculated on a purchase price of $369,079 and a total loan amount of $329,100 using a Flexi First Option 2 Year Introductory Rate of 3.59% (comparison rate 4.42% per annum) on a loan term of 30 years. Repayments are based on principle and interest payments through Westpac and are current as of the 20/04/2018. Loan amount used has been calculated using a 10% deposit and eligibility for the first home owners grant of $10,000. Loan amount is inclusive of LMI (lenders mortgage insurance) but exclusive of additional lender charges and settlement fees. Comparison rate is based on $150,000 over 25 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Interest rates are subject to change and finance applications must meet the lenders standard credit terms and conditions. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Finance services are provided by VHG Finance Pty Ltd T/A V Homeloans; Corporate Credit Representative Number 495067 is authorised under Australian Credit Licence No. 389378.

 

Express Living Homes, Building Contractor #10805 is part of Ventura Home Group Pty Ltd.  Express Living Homes is not the owner of the land and cannot guarantee its price or availability. Express Living Homes has been authorised by the landowner to advertise the land as being available at the purchase price specified.  The price advertised is an estimate of the costs to build with Express Living Homes and separately purchase the underlying land from the owner of the land. The estimated price is therefore subject to change once all site works plans are completed and the current market value of the land and other relevant costs are taken into consideration. The elevation and images depicted in this advertisement are solely for illustrative purposes and are based on display homes, and may include features not included in our standard building contracts. The information and estimated pricing is correct at the time of web publishing, but subject to change without notice.

Package Price $289,400

Weekly repayment $296

 

* Terms & Conditions

Repayments from $296 per week

 

Repayments have been calculated on a purchase price of $289,400 and a total loan amount of $274,898 using a 3 Year First Time Buyer Fixed Option Home Loan Rate of 3.79% (comparison rate 4.85% per annum) on a loan term of 30 years.  Repayments are based on principle and interest payments through Westpac and are current as of the 08/02/2019.  Loan amount used has been calculated using a $11,400 deposit and eligibility for the first home owners grant of $10,000. Loan amount is inclusive of LMI (lenders mortgage insurance) but exclusive of additional lender charges and settlement fees.  Comparison rate is based on $150,000 over 25 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Interest rates are subject to change and finance applications must meet the lenders standard credit terms and conditions.  Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Finance services are provided by VHG Finance Pty Ltd T/A V Homeloans; Corporate Credit Representative Number 495067 is authorised under Australian Credit Licence No. 389378.

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BCN: 10805