Features & Benefits


Investors can use Assquire® contracts as a means to buy and sell residential properties with the sale being over an extended ten year period. In this way, they gain a higher “mortgage plus property ownership costs” equivalent return – not a rental return.

The yield after all fees and property ownership costs is considerably higher than conventional net rental yields. No one can reliably predict net yields  but based on a conventional yield of 4% to 5% gross, Assquire gross yields  are around 40% to 60% higher over ten years, and are contracted with the Mortgage Alternative buyer.

What’s more, you don’t have to wait for years until you sell the property to be benefiting from the higher monthly returns -when you eventually sell – i.e. the capital growth in the property’s market value. You can reinvest these higher rents along the way!

Here’s how it works. An Assquire investor secures the first 1.5% pa of any gains (sometimes a little more depending on the compound annual growth rate achieved and the status of the buyer), and allow the Mortgage Alternative (“MA”) home buyer to benefit from the rest, whilst the ten year period gives the MA Buyer both the chance to save even more whilst being your tenant, and make monthly deposit increments to you, then settle a pre-contracted purchase price with you at the end of the MA period. The MA buyer has the control to shorten the settlement period, but may not lengthen it beyond ten years.

The MA home buyer settles by financing with a traditional mortgage at the end of the MA period or time of settlement of their choosing, using their share of any capital appreciation over that ten year period (or other shorter period to settlement they choose), plus their monthly deposit increment payments, plus their accumulated monthly savings (Accumulated Savings Fund) embedded into their MA payments commencing from month 61 (about 3% of those MA monthly payments) plus of course their initial deposit – included in their original 4.5% or 5% cash contribution.

They have now accumulated a substantial deposit, even if property prices don’t rise, and even more if property prices are rising by say the same average 4.5% pa that you have been counting on as an investor.

If the home buyer does settle at the end of the ten years, which no one can guarantee, you have made a very nice yield (much higher than rent) and the MA buyer has their monthly deposit increments plus their original initial deposit proportion of their up front cash contribution  (along with the balance of their MA savings plan from beginning of year 6) to assist towards settlement at the end of the MA period. That way, you get the high yield first for ten years, and only effectively pay any additional commissions for the use of the Assquire system at settlement (or if you default on your obligations to the buyer). You only pay additional commission if you default or at the date of settlement of the MA buyer’s choosing, when you’ve seen substantial investment returns from the Assquire system’s results.

Should the customer not settle at the end of the ten years, for example because the property price has fallen or been flat over the entire ten years (quite a depressed residential market by historical standards, but possible), the contracts provide that you keep their Deposit (initial and monthly deposit increments) and HRL return the Buyer’s Accumulated Savings Fund (accumulating from month 61) to the buyer, so that they can get on with their life –  if they don’t/can’t settle at the end of ten years, you will have received the property back, and in those circumstances, you have kept ALL capital growth (if any) over the period AND have received well over your conventional net rental yield along the way.

In a depressed residential market over ten years of average 3% capital growth, HRL’s financial modelling shows that you the investor would have been up to 30% better off, than had the investor rented the property and received just 3% pa average capital growth over that period. This is what HRL call “recession proofing your investment returns”.

And if you, or the grandparents, can buy an investment property and put your credit worthy adult kids and their partners into it as MA buyers, Assquire Family is extremely family friendly also, as if the young couple break up, you get the house back and can potentially reassquire it to anyone else! No more need for family pledges at risk of relationship breakdown.

So let’s summarise just how good this is for investors:


  • Family Friendly – a better, safer way to get the kids or grandkids started (if they Assquire® from you) [1]

  • Positive cash flow – a much higher monthly yield than rent

  • Higher returns through cash flow acceleration, plus getting the FIRST 1.5% pa of capital growth – balance to MA occupant/purchaser [2]

  • For the risk averse investor, as there is greater protection from recessionary conditions for your property investment return[3]

  • Less vacancy risk as MA Buyer is making monthly deposit increments on top of the initial deposit paid and has a registered lease to occupy for up to ten years (also note MA Buyer’s limited take back rights (subject to contract terms and conditions) to exit, which comes with its own benefits to the investor). Buyer is considered less likely to walk, if they will lose their 5% deposit/cash contribution ( which includes any stamp duty paid to Government up front, plus balance paid away in HRL’s commission as the investor’s released deposit entitlement), plus monthly deposit increments (also released to the seller), plus all capital growth to date – but investor needs to assess market price risk and be prepared to rent or sell, or possibly reassquire to another HRL approved buyer, if the MA Buyer does not meet their monthly rent and deposit obligations.

  • Occupant has the right to settle early (or “Take Early” as we call it) if they so choose, but must still pay the ten year pre-agreed price to you.

  • An occupant (MA buyer) is more likely to look after your property for the next ten years, as they are buying it off you today on extended settlement terms (again subject to the MA buyer’s contracted but limited exit rights (or what we call “Take Back” rights)

  • Better exit:
    • no more marketing/advertising fees on exit – the MA Buyer is embedded;

    • more certainty of timing of sale through defined final settlement date and Take Back event triggers and terms in the contract;

    • less concerns about not being able to sell in future – you’ve already sold the property to the MA buyer;

    • more certainty of sales price – Purchase Price methodology is pre-agreed up front at date of contract.


If you are a vendor and are looking to sell your property either to an Assquire investor or by selling and leasing it over the longer term using Assquire®, you must approach us directly or through a fully Assquire® accredited and trained real estate agent who lists you property for sale on https://buyorinvest.com.au/investors/. If you are not sure if your currently preferred agent is Assquire® licensed, ask them. They can contact us to arrange Assquire accreditation of their business, so that they can assist you to sell your home using Assquire®. They can list your property for you at https://buyorinvest.com.au/realestateagency/. They can register their details to become involved in Assquire  at https://buyorinvest.com.au/real-estate-agency-log/ .

[1] Note: Investors on-selling to MA buyers on high yield, deferred settlement terms  under this Assquire® system do so by appointing HRL (Qld real estate licence 3995434) to sell their property. See “Become an Investor” page to register to see if you would be accepted as an Approved Seller. For the form of agency agreement under the Property Occupations Act 2014, go to https://buyorinvest.com.au/agency-appointment-form-6/.

[2] Assuming the MA buyer settles the purchase and does not hand the property back to you. But if they do, you keep all the capital growth and have $ in the bank to do it all again.

[3] HRL’s financial projections show that should future property price growth only achieve 3% pa, an investor is up to 30% better off than letting the property over ten years to conventional tenants.