Legal

Website Disclaimer

Last updated: 11 April 2026

1. About this disclaimer

This disclaimer applies to premiumrea.com.au, including all pages, articles, blog posts, guides, portfolio data, suburb statistics, interactive tools, maps, videos, downloads, and forms (together, the “Website”). The Website is operated by PremiumRea Pty Ltd (ACN/ABN details available on request) from Melbourne, Victoria, Australia. By accessing the Website you acknowledge and accept this disclaimer.

2. General information only — not advice

PremiumRea is a licensed Victorian real-estate buyer's agent. We are not a licensed financial adviser, Australian Financial Services Licence (AFSL) holder, authorised representative, tax agent, mortgage broker, credit provider, lawyer, quantity surveyor, or town planner, and we do not hold ourselves out as any of those things.

Nothing on the Website is:

personal financial product advice within the meaning of the Corporations Act 2001 (Cth);
tax advice within the meaning of the Tax Agent Services Act 2009 (Cth);
credit advice within the meaning of the National Consumer Credit Protection Act 2009 (Cth);
legal advice;
a valuation, building report, pest report, depreciation schedule, or engineering report;
an offer or invitation to buy or sell any financial product, security, managed investment scheme, or real estate.

All content is general in nature and has been prepared without taking into account your personal objectives, financial situation, or needs. Before acting on anything you read here, you should consider its appropriateness having regard to your own circumstances and obtain independent professional advice from suitably licensed advisers.

3. Past performance is not a reliable indicator of future results

The PremiumRea portfolio page and related marketing materials publish historical real-estate transaction data: purchase prices, weekly rents, rental yields, capital gains, annual growth percentages, “current values”, valuation dates, renovation costs, and similar figures. These figures:

are specific to individual properties, clients, suburbs, structures, and points in time;
reflect the market, finance, tax, and regulatory conditions prevailing at the time of each transaction;
are not forecasts, not guarantees, and are not indicative of how any future investment will perform;
may include internal estimates of “current value” that have not been independently valued by a licensed valuer;
exclude many real holding costs — including loan interest, land tax, council rates, insurance, depreciation, maintenance, vacancy, management fees, and personal tax — which will materially affect the real return to any individual investor.

Property prices can fall as well as rise. Interest rates, rental demand, tenant behaviour, planning rules, zoning, taxation, and finance availability all change. You should not rely on past performance to assess any future property decision.

4. Testimonials and case studies

Client testimonials published on the Website are provided by real PremiumRea clients about their own experience with a specific property. They:

reflect the individual experience of the particular client at a particular time;
are not endorsements of any specific investment strategy, property type, or suburb;
are not a representation that any similar result is available to you;
are not typical — individual client outcomes vary widely.

Financial figures quoted within testimonials are provided by the client based on their own records and represent historical outcomes only.

5. Worked examples, guides and blog articles

Yields, returns, build costs, rents, ROI percentages, payback periods, refinance outcomes, “before / after” comparisons, and similar figures shown in the guides and blog articles are illustrative examples based on past transactions or standard scenarios. They are not projections of what any particular property will achieve for any particular investor. Actual outcomes depend on purchase price, finance structure, interest rate, renovation cost, vacancy, maintenance, rates, land tax, insurance, depreciation, personal tax position, and market movements — none of which are guaranteed by PremiumRea.

6. Third-party data, suburb statistics, and interactive maps

The Market Insights and Suburb Stats tools display data sourced from government and industry bodies, including (without limitation): Valuer-General Victoria, Homes Victoria, the Australian Bureau of Statistics, the Australian Taxation Office, Crime Statistics Agency Victoria, the Victorian Building Authority, the Clean Energy Regulator, Victorian Planning Provisions, the State Emergency Service, Country Fire Authority, and OpenStreetMap. This data:

may be aggregated, delayed, estimated, sampled, or subject to revision by its original source;
may be incomplete or contain errors introduced during collection, processing, or presentation;
is provided “as is” for general research purposes only;
must not be relied on for any property purchase, valuation, lending, insurance, town-planning, safety, or legal decision.

Planning overlays and hazard layers (bushfire, flood, powerlines, heritage, environmental significance) are informational only and are not a substitute for a Section 32 vendor's statement, a legal property search, a building surveyor's inspection, or professional advice. Always confirm data with the original source and a suitably qualified professional before acting.

7. Composite scores, cashflow projections, and scenario tools

Some Website features — including the Suburb Stats tool, the Investor Kit panel, and the Composite Score and Cashflow Math sections — display proprietary analytical outputs branded as PremiumRea Composite Scores (Growth Potential, Cashflow, Safety, Buyer Power, Rental Tightness, Liquidity, Affordability, Tenant Mix). These scores are PremiumRea's confidential internal modelling framework. The methodology, weights, scoring bands, and underlying data sources are PremiumRea's proprietary intellectual property and may be revised, recalibrated, or withdrawn at any time without notice.

Cashflow estimates (including the "Cashflow @ 20% deposit", "Break-even deposit", and "Cashflow w/ granny flat" rows) use standardised assumptions: council rates, water service charge, landlord and building insurance, land tax (placeholder $2,000), 6% incl-GST property management, 6% interest-only mortgage at 80% loan-to-value ratio, and a granny-flat rent multiplier applied to a local 2-bedroom unit benchmark. Real-world holding costs, interest rates, vacancy provisions, depreciation deductions, capital gains tax outcomes, and personal tax position will all differ — sometimes materially — from these illustrative numbers.

All scores, projections, and scenario outputs are illustrative only and do not constitute personal financial, tax, legal, or property investment advice. Engage a licensed buyer's agent, mortgage broker, tax accountant, and conveyancer before making any property investment decision.

8. No reliance; limitation of liability

To the maximum extent permitted by law, PremiumRea, its directors, employees, contractors, and agents:

make no representation or warranty, express or implied, about the accuracy, completeness, currency, reliability, suitability, or availability of any information on the Website;
accept no liability for any loss or damage (including indirect, consequential, or economic loss) suffered by any person in connection with their use of, or reliance on, the Website or its content;
accept no liability for any error, omission, interruption, delay, virus, or unauthorised access affecting the Website.

Nothing in this disclaimer excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) or any other legislation where to do so would be unlawful.

9. External links

The Website may link to third-party websites and resources. PremiumRea does not control, endorse, or accept responsibility for the content of those sites, and provides the links for convenience only.

10. Forward-looking statements

Any statement about future events — including about the Melbourne or Victorian property market, interest rates, rental demand, capital growth, planning rules, tax treatment, or construction costs — is a forward-looking statement that involves known and unknown risks and uncertainties. Actual events may differ materially from what is described. PremiumRea is under no obligation to update any forward-looking statement after it is published.

11. Contact

Questions about this disclaimer can be sent to admin@premiumrea.com.au or by post to Suite 631, 44 Lakeview Drive, Scoresby VIC 3179.

See also: Terms of Use · Privacy Policy