Financial Disclaimer

Seek Independent Professional Advice

We strongly recommend that you seek independent professional advice before making any investment decision. Depending on your circumstances, this may include advice from:

• A qualified and licensed financial adviser (holder of an AFSL or authorised representative) regarding your overall investment strategy and financial goals
• A licensed mortgage broker or lender regarding your actual borrowing capacity and loan options
• A registered tax agent regarding the tax implications of property investment, including negative gearing, capital gains tax, and depreciation
• A qualified legal practitioner regarding property contracts, conveyancing, and legal obligations

Property investment involves significant financial risk, including the potential loss of capital. You should not make investment decisions based solely on the information provided on this platform.

Past Performance and Future Results

Past performance is not indicative of future results. Historical data on property values, rental yields, and growth rates is provided for general informational purposes only and should not be used to predict future performance. Economic conditions, interest rates, government policies, and local market factors can all materially affect future property investment returns.

Property Market Risks

Property investment carries inherent risks. You should be aware that:

• Property values can go down as well as up, and you may not recover the full amount of your investment
• Rental income is not guaranteed and may fluctuate due to vacancy periods, changes in market conditions, or tenant issues
• Interest rates can change, significantly affecting your repayment obligations and the financial viability of an investment
• Government policies (including changes to tax laws, planning regulations, and tenancy legislation) can materially affect property investment returns
• Property is an illiquid asset — you may not be able to sell quickly or at your desired price
• Unexpected costs such as repairs, maintenance, insurance, strata levies, and council rates can affect your returns

Calculations, Projections, and Estimates

All calculations provided by Brickwise — including borrowing capacity estimates, cashflow projections, growth forecasts, investment readiness scores, and suburb scoring — are estimates based on the information you provide and publicly available data. These calculations:

• Are illustrative only and are not a substitute for professional financial advice
• Are based on general lending guidelines, including the APRA serviceability buffer of 3%, and may not reflect the specific criteria of any particular lender
• Use historical market data that may not be current or accurately predict future performance
• Do not account for all individual circumstances that a lender, financial adviser, or tax professional would consider
• May show conservative, moderate, and optimistic scenarios — all of which are estimates based on assumed growth rates and conditions
• Should be verified with a licensed mortgage broker or lender before making any financial commitment

Where projections or scenarios are shown, they are labelled “Based on your assumptions” or similar language and should be treated as illustrative estimates only.

AI-Generated Content

Some narrative content on this platform is generated using artificial intelligence (Google Gemini). While all numerical calculations are deterministic (not AI-generated), AI-generated text may contain inaccuracies, generalisations, or outdated information. AI content is provided for educational and informational purposes only and should not be treated as professional advice. We review AI outputs for quality, but we do not guarantee their accuracy or completeness.

Data Sources and Freshness

Market data used on this platform is sourced from publicly available datasets including the Australian Bureau of Statistics (ABS), state and territory government property records (including NSW Valuer General, Victorian Property Sales Report, and Queensland Government Open Data), Domain.com.au, the Reserve Bank of Australia (RBA), SQM Research, and other publicly available sources. Data may be up to several months old and should not be treated as real-time market information. Where practicable, we display the source and date of data alongside the information presented.

Broker Referral Fee Disclosure

Brickwise may introduce you to third-party mortgage brokers or buyers' agents where you have expressly opted in to receive an introduction. Brickwise may receive a referral fee or commission from these third parties when you engage their services. Any such referral fee does not increase the cost of services to you. The presence of broker introductions on the platform does not constitute an endorsement or recommendation of any particular broker or financial product.

Brickwise Does Not Lend Money or Arrange Loans

Brickwise is an information and educational platform only. We do not lend money, arrange or broker loans, act as a credit intermediary, or hold an Australian Credit Licence. Any borrowing capacity figures shown on the platform are general estimates for informational purposes only and do not constitute a credit offer or pre-approval.

Limitation of Liability

To the maximum extent permitted by Australian law (and subject to consumer guarantees under the Australian Consumer Law that cannot be excluded), Brickwise Pty Ltd, its directors, employees, and contractors accept no liability for any loss, damage, or expense incurred by you as a result of using this platform or relying on any information provided, including any financial loss arising from investment decisions. Our total aggregate liability is limited to the amount you have paid to us in the 12 months preceding the relevant claim.

Contact Us

If you have questions about this disclaimer, contact us at:

• Email: legal@brickwise.com.au
• Entity: Brickwise Pty Ltd

Useful Resources

For independent information about financial products and property investment, consider visiting:

• ASIC Moneysmart — Australia's free financial guidance from ASIC
• Reserve Bank of Australia — Official cash rate and monetary policy information