---------  Brand New From Reward Homes  ---------
“New Opportunity Allowing Sydney First Home Buyers Who Have Only $5,000 Saved To Buy Their Own Home Today... 
Without Having To Have A Guarantor or Borrow Money From Family"
From The Desk Of Michael McCrudden
Sydney, NSW

Dear First Home Buyer

If you would like to buy your first home in Sydney and have been struggling with saving the massive deposit needed to get into the market.

This is the most important letter you’ll read today
I'll Show You Why:
If this opportunity is something that is suitable for you.. you could be now well on your way to buying your first home this year!

Short cutting the 8+ years it takes the average first home buyer to save the deposit required to buy a house in the Sydney market.

So, who am I?

My name is Michael McCrudden. 

I am the owner of Reward Homes, a home builder that builds about 100 homes in Sydney every year.

I have been in the Sydney building industry for over 40 years and helped 100's of first home buyers build their dream homes!

Over that time I have seen it get harder and harder for people to make the first step into the Sydney market.

I have 6 sons and have seen first hand that it is now nearly impossible for the average person to get into the market.

If I wasn't in a position to help them with their deposit, there was no way they could buy.

They were lucky but a lot of their friends were not. They were forced to uproot their lives and move interstate or to smaller regional areas.

Seeing the impact this problem is having on young families, I decided to try to help even a few young families each year. 

Although it wouldn't change the market, it would make a huge difference to the lives of the few people I could help!


Introducing:  Reward Assist!
That's how Reward Assist was born..

The Rewards Assist program has one goal in mind

To give Sydney first home buyers like you

Who would otherwise struggle to take the first step onto the property ladder.

A realistic chance of buying your first home in Sydney.


Who Can Rewards Assist Help?
Most first home buyers in Sydney like you are in a very similar position:


  • ​The deposit you need to buy a home in Sydney is well over $100,000
  •  It takes the average family on the average salary over 8 years to save that deposit.
  •  Prices are a lot higher than they were even 5 years ago meaning the deposit needed to buy continues to grow - often quicker than you can save
  •  The cost of living makes it nearly impossible for you to save meaningful amounts
  •  Rents continue to increase every year
  •  The alternative to renting is living with your parents (for those that can) – and this is usually not a desirable longer term solution
  •  At the time of your life you are wanting to buy your first home, you often have other large expenses... like weddings and young families that make it much harder to save.
It's no wonder you probably feel like giving up?

Well, I want to let you know it’s not your fault.

With the deck stacked against buyers like you, it is no wonder it sometimes feels like you will never save enough to make that first step.

You're willing to work hard and save, but it is still feels impossible because Sydney houses are so expensive.

Most first home buyers like you are left with only a few, less than desirable options:


1) A lifetime of renting... taking away the ability to provide a stable home for yourself and your family. Leaving you at a massive long term financial disadvantage

2) The prospect of moving away from family and friends to a more affordable city

3) Years of savings and hoping that property prices don’t keep moving faster than you can save

4) For the lucky few, relying on help from family to get started


Knowing there is not any meaningful help out there, and it is a problem the majority of first home buyers are facing, I set about coming up with a way I could help.

The aim is to help a few first home buyers a year cut out the years of struggle by giving them a realistic way to shortcut the ordeal of saving a deposit.

Reward Assist offers a real way to buy your first home without having a huge deposit saved.

How Does It Work?

I fill the gap between what you have saved and the deposit you need to buy - So you can buy now!!

As you may know, most lenders now require you to have 20% of the purchase price of any home you wish to buy in savings, (or if your lucky given to you).

So if you want to buy a $500,000.00 home, you would need to have $100,000 in saving… a $1m home, $200,000.00 in savings…

What the Reward Assist program does is top up the deposit on your new home, allowing you to buy now! All you need is $5,000 in savings!


Lets be clear - you will own your own brand new home.. And all you need is a $5,000 deposit.

We just have an agreement put together by an independent 3rd party legal firm that states:

In the future when you are able to pay us back the money we contribute towards your home  - you will!

Usually our clients will wait a few years till their home has gone up in value. 

You then have your home revalued and use the extra equity created in the home to repay us.

If it hasn't gone up enough in that time - wait another 3 years, revalue again and pay the rest off then.

If you want to pay it off sooner you can, there are no restrictions.

You are probably wondering how much this will cost!

The good news is not much!

There is no interest on the money we contribute... EVER

Its kinda like having a guarantor, if you don't have family or friends that can do it for you!!

For me we get to build a few more homes while helping out young families...

For you it will allow you to:
  • ​Get a foothold in the Sydney market a lot sooner
  •  Save years and years of paying rent while you save to buy
  •  Enjoy years of house price growth you may have otherwise missed.
  •  Provide a stable home for you and your family..

And you can pay back the deposit as soon as you want – there are no fees or termination payments or hidden costs if you want to pay us back sooner.

I am happy to have you pay us back as soon as you are ready so I can use those funds to help another young first home buyer!

Can you see what an amazing opportunity this could be for you? 


This Sounds Too Good To Be True... Whats The Catch?
To make this work you will still have to be able to service the loan from the bank.

Rather than have you buy something you can’t afford, there is a few things you will need to qualify for this offer..

We can only make this offer to those that meet the banks credit criteria. 

For the homes I currently have available you will need:

1.
A combined income (either by yourself or with a partner or family member) of around $130,000 or more.

2.
Some evidence of savings or renting in the last 6 months

3.
A good credit history with minimal other debts or credit.

If you do have other debts or credit, you will need a higher income to show you can afford to buy!

These are the normal things you will need to secure a bank loan to buy a property at this price point. 

Why Am I Making This Insane Offer?
So, the question you are probably asking yourself is why would you be doing this? 

It seems "too good to be true", whats the catch?

The answer to that is simple – obviously I like being able to help first home buyers get into the market.

But from a business perspective for us there is one simple reason:

I know that this is an AMAZING offer that so many first home buyers will jump at.

That allows me to sell more homes!

I get to give first home buyers one of the biggest head starts in life and its good for my business.

So if you have been wanting to get into the market, now is the time to act.
So, What Are The Next Steps? 

Step 1:

Click on the button below.

From there you will be directed to leave your details and complete a quick form to make sure you qualify.


If you do qualify, you will receive an email to book in a time to chat with my team about the details of the offer and the homes that are currently available.

Sound like a plan?

You will then have time to do your due diligence on the property and the contract. 

I also recommend getting some independent advice on our shared equity agreement. 

That is the agreement we use to cover the contribution for your deposit.

This agreement is put together by an independent lawyer who acts on your behalf - ensuring your interests are covered.

You need to be 100% confident you are safe and secure there!!

At this stage you will know you love your potential new home and you are able to afford it.

So whats next?


This Is When The Fun Stuff Starts! 

Step 2:

You get to sign a contract on your new DREAM HOME!

You will be able to choose your colours, fittings, flooring, kitchens and bathrooms for your own home.

You get to save a few more dollars for some furniture and home wares in your brand new home.

After that,

Its time to tell the landlord (or parents) you are moving out!

It's such an amazing feeling to know your future has been secured and you will have an amazing home that you own!

But... 

If you do want to experience that feeling of owning your own home, you need to act now!

I only have a limited number of homes available, and its first in best dressed.
As you can imagine, any time we make this offer the homes sell very very quickly. 

It is strictly the first qualified applications we receive that will be able to secure their own home with as little as $5,000 deposit down!

Rest assured, by making the application you are in no way locked in. 

You will have time to double and triple check everything to ensure you are 110% comfortable that you are making the best decision of your life! 

If you don’t feel comfortable with what you see, you can walk away at any time, no questions asked and nothing to pay!

This is the best chance for first home buyers to get into the Sydney property market with only a $5000 deposit!

But I must stress, we have huge demand for these opportunities.

Make sure you have a chance to see for yourself.

Click on the button below, fill in the survey and take the first step towards your own home!!




I can’t wait to hand you the keys to your own home!!



Sincerely,

Michael McCrudden

Managing Director - Reward Homes





PS

You have probably just done what I do and skipped straight to the bottom of this letter, if so here is the deal....

We are offering to help with the deposit for first home buyers in Sydney.

Whats the catch? 

In the future when your new home has increased in value, you need to redraw the equity you have created to repay the money we use to cover your deposit! 

 That’s it!! 

Skip the 8+ years it takes the average person to save a deposit in Sydney… 

There is only a limited number spots available and they will be gone in a few days, so go back to the top, read through the details… 

All you need is $5,000 to get started.


Or just click here to take the first step towards your own home!! 


 Michael. 

P.P.S - You may have a few extra questions before you take the first step

If so...

Questions 1 - Am I allowed to rent the house out?

It's your house,  you are free to rent it out if you like.  

Question 2 - What is the minimum income I need to be able to take advantage of this opportunity?

To be able to get bank approval for the mortgage on these homes, you will need at least $130,000.00 household income… 

That is the combined income of you (and your spouse/partner if applicable). 

You can also look at buying with a sibling or friend.

NB If you have other debts or liabilities your income may need to be a little higher.


Question 3 -  How Much deposit do I need saved?

All you need is $5,000 saved. 

If you have a bigger deposit already saved fantastic. It will mean you can get a head start on getting your loan paid off!!


Question 4 - Are there any fees?

Reward Assist charges absolutely no fees! And there is zero interest on the contribution we make to your deposit.

When you buy any home, you will have some standard costs like conveyance fees, registration and transfer fees, valuation and bank fees ($2-3k).

With The Reward Assist program you will still have these standard costs. 

Question 5 - What happens if I want to sell the house – Am I locked in or can I repay your contribution sooner?

Life changes and you may want to sell the home in a few years. You can sell your new home or repay our contribution for the deposit at any time without any costs from us.

If you do want to sell, you will need to let me know before you sell so we can arrange to have our contribution repaid out of the proceeds of the house sale.

Question 6 - How do I repay the contribution for the deposit?

That is up to you but most people will use the future increase in the value of their home to pay off the deposit. 

In a few years time you can refinance and redraw any increases in the houses price to pay back the deposit. 

If you would prefer to make periodic lump sum payments instead you are free to do that.


Question 7 - What is the interest rate on the home loan. ?

We have a few banks that we like to use. At the moment the interest rates are between 3.69% and $3.99% pa! 


Question 8 - What happens if the house price doesn’t go up?

I am very comfortable that over the longer term Sydney house prices will be a lot higher than they are today.

It is a premium market that is highly desirable to both Australians and well off international buyers. 

This high level of demand and the effect of inflation means I am confident Sydney house prices will continue to increase in the future.

While prices may fall at certain times – I am very confident they will be a lot higher in 10 years time!

That’s why I am happy to invest the money knowing the house will do the hard work in paying off the deposit for you.

The great thing about the Reward Assist program is there is no time limit on when you need to pay the deposit back. 

You will not have a deadline in the future that will put you in a tough financial position...


Question 9 - Tell me about the homes available…

The homes available are Brand New 3-4 bedroom homes in the Hills District  of Sydney..

After we have received your details my team will assesses if you qualify. After that we will forward all the details on the property so you can make sure you are 100% happy with the home.

If you want to stop wishing, dreaming and hoping to one day own you own home NOW IS THE TIME.
That is it...

As mentioned there is only a couple of these homes available and i'm sure you realise how many people will jump at this opportunity...

Make sure you don't miss out

Click on the button below to submit your details and register your interest for this amazing opportunity.

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