Retirement Villages NSW
|
|
- Cathleen Wood
- 5 years ago
- Views:
Transcription
1 Retirement Villages NSW
2 A Retirement Village (Village) is a managed community for seniors. Retirement Villages (NSW) What is a Retirement Village? A Retirement Village (Village) is a managed community for seniors. Each Australian State and Territory has enacted specific laws which establish and regulate the relationship between Village operators (Operator) and their Residents and prospective Residents (Residents). In New South Wales: retirement village is defined in the Retirement Villages Act 1999 (Act) as a complex containing residential premises that are, or intended to be, predominantly or exclusively occupied by retired persons who have entered into village contracts with an operator of the complex; and retired person means a person aged 55 years or who has retired from full-time employment. However, the Act excludes certain complexes from the Act, such as nursing homes, caravan parks and manufactured home estates to name a few. It is an important distinction to make that just because a complex advertises as an over 55 s village, this does not necessarily mean that it is a retirement village under the Act. The Retirement Village Contract For a Village to be covered by the Act, Residents must enter into a contract with the Operator either in respect of living in the Village and/or receiving certain additional services offered by the Operator, such as medical support and meals. 1
3 Each Australian State and Territory has enacted specific laws. There are many different types of contracts that a resident may be asked to sign before moving in to a Village in New South Wales. The most common are: Retirement Village Contract; Loan and License Agreements; Long term leases; and Services and Facilities agreements. Village contracts differ from Village to Village and it is important for residents to obtain legal advice about all of the contracts they are asked to sign before they pay any money to an Operator of a Village or sign any contract. Disclosure to Prospective Residents The Act requires that an Operator provide a prospective Resident (or a person acting on the resident s behalf), with a disclosure statement before signing a contract (Disclosure Statement). The purpose of the Disclosure Statement is to provide prospective residents with a general understanding of the features and financial arrangements of the Village. It must contain details of the fees and charges that will be payable by the Resident both upon entry to the Village and during the time the Resident resides in the Village. Residents cannot enter into a Contract with the operator until at least 14 days after receiving the Disclosure Statement. Operators are also required to make available for inspection, or provide free of charge, other information about the Village such as a site plan, statements of proposed expenditure and audit accounts. Settling in Period The Act provides for a 90 day settling in period for new Residents. Residents who vacate the Village within 90 days of moving in will only be required to pay to the Operator a fair market rent for their stay, plus a reasonable administration fee, with that fee capped under the Act. Repairs and Maintenance 2
4 There are some circumstances in which you may be unable to make decisions about matters that concern you. The Act makes provision for who is responsible for the repairs and maintenance of the various items within a Village. The Operator has an obligation to ensure that all items of capital are maintained in a reasonable state of repair having regard to certain factors such as the age of the Village, the amount of ingoing contributions paid by Residents and the amount of money available for maintenance allocated by the Village. The following table is a summary of which items Residents and Operators are responsible for: Item Item of capital Type of repair or replacement Repair or replacement Who is respnsible? Operator Example Hot water system Item of capital Maintenance Resident Carpet cleaning/ Re-painting apartment Item owned by resident Item damaged by the resident or a visitor Repair or replacement Repair or replacement Resident Resident Item of capital Urgent repairs Resident can arrange and Operator must reimburse Resident Fridge Any item Blocked/ broken toilet 3
5 Fees and Charges There are many different fees and charges that a Resident may be required to pay when entering a retirement village. The Operator of the village is required by law to provide information about the entry costs (and ongoing fees throughout the course of residence in the Village) in the Disclosure Statement. The table below provides a brief summary of typical entry costs and ongoing fees and charges: Retirement Village fees and charges Type of fee When is fee payable Comments Rights of resident Waiting List Fee When a prospective Resident wishes to be placed on the waiting list for a village Maximum $200 Village must provide written waiting list policy Fee is fully refundable Village must refund the fee within 14 days of receiving a written request to do so or deduct the fee paid from the ingoing contribution Holding Deposit When a prospective Resident wishes the village to reserve a particular premises Can only be required or accepted on vacant or new premises, or when the outgoing Resident has already given notice to vacate Village must refund the fee within 14 days of receiving a written notice that prospective resident does not wish to proceed. Deposit When a Resident enters into a village contract Must be held in a solicitor s trust account on trust in accordance with the Act. Deposit is fully refundable if a resident decides not to proceed within the cooling-off period. Legal Costs When the village contract is prepared, the resident and the village Operator share the costs (usually payable upon entering the Contract) the maximum amount payable by a resident in most cases is $200 The village operator must provide the Resident with evidence of the legal expenses incurred (such as a copy of the tax invoice). Ingoing Contribution A fee for a long term lease or license. This is used when a resident is not going to own the premises. Payable on settlement (on entering the premises) Refund entitlements for unregistered interests of residents are now protected and are given priority over certain other creditors in the event that the village becomes insolvent. A set amount of the ingoing contribution is normally non-refundable, or it will depreciate each year according to a schedule in the Village contract. A resident may be able to delay payment of the ingoing contribution and/or pay the contribution by instalments. Often a village will charge interest on the unpaid portion of the contribution; however, the maximum rate of interest is set by the regulations to the Act. 4
6 Retirement Village fees and charges Type of fee When is fee payable Comments Rights of resident Recurrent Charges Payable by the residents to cover the cost of running the village, usually payable weekly, fortnightly or monthly throughout the entire course of the Resident s occupation in the Village. Check the village contract for the method of varying recurrent charges, however they will usually increase annually in line with the Consumer Price Index (CPI) The operator must comply with the legislation in respect of these charges Residents must be given notice (usually 60 days) of any variation in the recurrent charges. Less notice is required if charges are increased by less than CPI General consent of residents is required when variation is by other than a fixed formula Departure Fee / Deferred Management Fee An amount deducted by the village from the ingoing contribution fee paid by the resident, payable when the resident vacates Usually this fee is calculated as a percentage per year of the ingoing contribution/purchase price for a maximum period Check the Village contract Fee is payable from the ingoing contribution or proceeds of sale Capital Loss/ Capital Gain If the village contract provides, the resident and the operator may share any capital loss or capital gain on the premises at the time the resident leaves the village A capital gain means any increase between the amount that the resident paid for the premises and the amount that the next resident pays for the same premises Check the Village contract as this varies from Village to Village Release of funds upon termination of contract:- The operator of a Village has an obligation with respect to paying monies to Residents (or their Estate) when the Resident vacates the Village this is known as the Departure (or Exit) fee. The release of funds to the Resident (or their Estate) will be dependent on the Village contract and whether the resident owns or leases the premises. Further, the Resident may also be entitled to share in the capital gain. However, in general (and as noted in the table above) upon termination of the Village contract, the Departure Fee is deducted from the ingoing contribution. The balance is then refunded to the Resident or their Estate. The Act provides for strict time limits with respect to payment of those amounts. Residents, their attorneys or legal personal representatives should carefully check the particular terms of their Village contract and make sure that they understand their rights with regard to recovering monies paid to a retirement village Operator when they vacate the premises. For more information, please contact (07) or info@attwoodmarshall.com.au. 5
7 Freecall attwoodmarshall.com.au Family Law Elder Law & Retirement Estate Planning Estate Litigation & Contesting Wills Deceased Estate Administration Business & Commercial Transactions Dispute Resolution & Commercial Litigation Conveyancing Compensation Law Thoroughbred Breeding & Racing Office Locations: Coolangatta Office - Head Office Suite 1, Level 2, The Strand Marine Parade PO Box 334 Coolangatta QLD 4225 DX Coolangatta Robina Office Suite 11, Ground Floor, Eastside Building, 232 Robina Town Centre Drive, Robina QLD 4226 Kingscliff Office Suite 24, Level 2 Kingscliff Professional Centre Pearl Street PO Box 1413 Kingscliff NSW 2487 Brisbane Office Level 27 Santos Place 32 Turbot Street, Brisbane QLD
QLD Enduring Powers of Attorney
QLD Enduring Powers of Attorney Power of attorney is the legal power to make financial decisions on someone else s behalf. QLD Enduring Powers of Attorney Power of attorney is the legal power to make decisions
More informationDisadvantages of DIY Will Kits
Disadvantages of DIY Will Kits Serving the Community since 1946 TABLE OF CONTENTS DISADVANTAGES OF DIY WILL KITS... 2 P a g e 2 Disadvantages of DIY Will Kits One of the most important legal documents
More informationMoving into a retirement village?
More information Further information on becoming a resident or retirement village living generally is available on the Fair Trading website or by calling 13 32 20. NSW Fair Trading administers the laws
More informationBusiness Structuring & Asset Protection
Business Structuring & Asset Protection Business Structuring & Asset Protection Are you starting a new business? Is your existing business costing you a fortune in tax? It is crucial that all business
More informationDISCLOSURE STATEMENT
DISCLOSURE STATEMENT Retirement Villages Act 1999, section 18(3A) This disclosure statement is required to be given to you at least 14 days before you enter into a village contract. It contains important
More informationRetirement Villages Regulation 2009
New South Wales under the Retirement Villages Act 1999 Her Excellency the Governor, with the advice of the Executive Council, has made the following Regulation under the Retirement Villages Act 1999. VIRGINIA
More informationCommencement 2. This Regulation commences on 31 August 1995.
FAIR TRADING ACT 1987 REGULATION (Retirement Village Industry Code of Practice Regulation 1995) NEW SOUTH WALES [Published in Gazette No. 102 of 25 August 1995] HIS Excellency the Governor, with the advice
More informationRetirement Villages. Moving into a retirement village
Retirement Villages Moving into a retirement village THE LAW The Retirement Villages Act 1999 (Qld) contains the law about retirement villages in Queensland. It does not contain the law about resolution
More informationREQUEST FOR AN ASSETS ASSESSMENT
REQUEST FOR AN ASSETS ASSESSMENT Permanent Residential Aged Care Request for an Assets Assessment This form is used to provide the necessary information so that the net value of your assets can be assessed
More informationApril Guide to draft Retirement Villages Regulations 2017
April 2017 Guide to draft Retirement Villages Regulations 2017 Page left blank intentionally. Guide to draft Retirement Villages Regulations 2017 2 BACKGROUND The Retirement Villages Bill 2016 completed
More informationLegislation update: Retirement Villages and Manufactured Homes. Presented by Danielle Lim September 2014
Legislation update: Retirement Villages and Manufactured Homes Presented by Danielle Lim September 2014 Outline Retirement village unit v manufactured home Status of reviews Retirement Villages Act 1999
More informationRecent changes to Retirement Village Legislation Thursday 14 June Presented by Helen Kay, Associate Director Corporate and Commercial
Recent changes to Retirement Village Legislation Thursday 14 June 2018 Presented by Helen Kay, Associate Director Corporate and Commercial Qld retirement village legislation changes The Housing Legislation
More informationCONSUMER LOAN AGREEMENT Terms and Conditions
Contract Number: Acceptance Date: / /_ CONSUMER LOAN AGREEMENT Terms and Conditions BOQ Credit Pty Limited ABN 92 080 151 266 GPO Box 4268, Sydney NSW 2001 Telephone 1300 783 335 Fax 1300 737 859 Australian
More informationIntroduction. Welcome to the Retirement Villages Edition of Law Talk, the newsletter of Atkinson Vinden, Lawyers. Guy Vinden
ATKINSON VINDEN LAWYERS Retirement Villages Newsletter Issue No 20 Welcome to the Retirement Villages Edition of Law Talk, the newsletter of Atkinson Vinden, Lawyers. Guy Vinden Retirement villages and
More informationCUSTOMER CONTRACT. Introduction. Contract Terms. Dear Customer
Origin Energy Electricity Limited ABN 33 07 052 287 CUSTOMER CONTRACT Introduction Dear Customer This customer contract is important. Please read it carefully and indicate whether you accept the terms
More informationRetirement villages. Guide to choosing and living in a retirement village. consumer.vic.gov.au
Guide to choosing and living in a retirement village consumer.vic.gov.au Disclaimer Because this publication avoids the use of legal language, information about the law may have been expressed in general
More informationGuide to the Retirement Villages Bill 2015
Guide to the Retirement Villages Bill 2015 page 2 Guide to the Retirement Villages Bill 2015 From the Hon Zoe Bettison MP, Minister for Ageing South Australia has a growing and diverse population of older
More informationFAIR TRADING (RETIREMENT VILLAGES INTERIM CODE) REGULATIONS 2018
Westrn Australia Fair Trading Act 2010 FAIR TRADING (RETIREMENT VILLAGES INTERIM CODE) REGULATIONS 2018 GOVERNMENT GAZETTE, WA 29 March 2018 Retirement Villages Interim Code 2018 Page 1 As at 1 April 2018
More informationHousing NSW Repairs. Tenants tool kit
Housing NSW Repairs Tenants tool kit The resources in this tool kit have been developed to help tenants of Housing NSW get necessary repairs done to their homes done properly and on time. This tool kit
More informationLetting Management Agreement Ramada Resort Phillip Island
Letting Management Agreement Ramada Resort Phillip Island Date: Operator: Address of Operator: Resort Management by Wyndham Pty Ltd ACN 099 634 830, and its permitted assigns c/- Wyndham Vacation Resorts
More informationRetirement Housing Law Reviews: An Australia-wide Perspective
1 Retirement Housing Law Reviews: An Australia-wide Perspective July 2015 'Retirement housing' includes a variety of different housing types, including retirement villages, residential parks, rental villages,
More informationTerms & Conditions. Our commitment to you! Hot Water Customers (VIC, NSW, QLD, SA) Agreement for the supply of Hot Water Services
Terms & Conditions Our commitment to you! Hot Water Customers (VIC, NSW, QLD, SA) Agreement for the supply of Hot Water Services New South Wales South Australia Queensland Victoria This document is your
More informationRetirement Villages What are they?
Retirement Villages What are they? A retirement village is broadly defined as a complex containing residential dwellings that are predominantly or exclusively occupied by residents who are aged over 55
More informationLANDLORDS RESIDENTIAL PROPERTY INSURANCE CLAIM REPORT
LANDLORDS RESIDENTIAL PROPERTY INSURANCE CLAIM REPORT Please retain this page for your information ABOUT YOUR CLAIM ywe y will contact you as quickly as possible about your claim. yfor y many claims we
More informationE F F E C T I V E 1 J A N U A R Y, IMB
Personal Loan TERMS AND CONDITIONS E F F E C T I V E 1 J A N U A R Y, 2 0 0 2 IMB Ltd ABN 92 087 651 974 Personal Loan Terms and Conditions This document does not contain all the contract terms or all
More informationMortgage Terms and Conditions (T&Cs)
Mortgage Terms and Conditions (T&Cs) Banking with Atom is straightforward, so we ve split our T&Cs into three manageable chunks: General T&Cs; Product T&Cs; and product specific documents, based on the
More informationTenancy at Will. Dated 1 st September 2013 (1) HOMES & COMMUNITIES AGENCY (2) CITY ASSOCIATES INTERNATIONAL LIMITED
Dated 1 st September 2013 (1) HOMES & COMMUNITIES AGENCY (2) CITY ASSOCIATES INTERNATIONAL LIMITED Tenancy at Will Relating to premises at, Unit 9,Suite B, Hythe Marine Park, Shore Road, Hythe, Southampton,
More informationTENANCY APPLICATION FORM
Sweetnams Real Estate 375 Sydney Road, Balgowlah NSW 2093 P: 02 9949 2911 F: 02 9948 5485 reception@sweetnams.com.au TENANCY APPLICATION FORM PROPERTY DETAILS Property you would like to rent if this application
More informationShort Term Rental Terms
1. Terms of the Agreement Short Term Rental Terms 1.1 These terms apply when the owner of a property (the "owner"), or Wanaka Unlocked, offers to rent the property ("the Holiday House") to a renter (the
More informationCOTA New South Wales. Retirement village living know what you are buying. Discussion Paper No 1
COTA New South Wales Retirement village living know what you are buying Discussion Paper No 1 July, 2013 Our rights. Our future. COTA NSW is the peak body representing people over 50 in NSW. We re an independent,
More informationRETIREMENT VILLAGES DISCLOSURE STATEMENT SPRINGLANDS LIFESTYLE VILLAGE
RETIREMENT VILLAGES DISCLOSURE STATEMENT SPRINGLANDS LIFESTYLE VILLAGE Retirement Villages Disclosure Statement Section 30(1)(a), Retirement Villages Act 2003 Disclosure date: Retirement village name:
More informationTax Time Monthly OCTOBER 2017 INCOME TAX SUPERANNUATION STATE TAXES Williams Hall Chadwick
Tax Time Monthly OCTOBER 2017 INCOME TAX SUPERANNUATION STATE TAXES +61 7 3221 2416 www.wpca.com.au Williams Hall Chadwick CONTENTS 1 INCOME TAX pg 3 pg 3 pg 3 pg 4 Bill Introduced to limit deduction for
More informationGuide to the Flexible Drawdown Lifetime Mortgage
Guide to the Flexible Drawdown Lifetime Mortgage Issued: 12 April 2011 CONTENTS 1. How the Flexible Drawdown Lifetime Mortgage works 2 Summary 2 Interest 2 How your loan is repaid 3 Staying in your home
More informationBOOKING TERMS & CONDITIONS
BOOKING TERMS & CONDITIONS All bookings are accepted on the following terms: 1. Nature of the agreement Northumbria Coast and Country Cottages Limited ("the Agent") acts as booking agents on behalf of
More informationBUY-TO-LET MORTGAGE TERMS AND CONDITIONS 2018
01 YOUR MORTGAGE AGREEMENT 1.1 Your mortgage agreement with us is made up of these Terms and Conditions, your Mortgage Application Declaration, your Offer Letter (including, where applicable, the Special
More informationLifetime Mortgage Terms & Conditions
Lifetime Mortgage Lifetime Mortgage England & Wales Retirement Advantage is a trading name of Stonehaven UK Ltd. Authorised and regulated by the Financial Conduct Authority. Registered in England and Wales.
More informationINFORMATION FOR PROSPECTIVE RESIDENT RESIDENTIAL AGED CARE FACILITY HIGH AND LOW CARE
INFORMATION FOR PROSPECTIVE RESIDENT RESIDENTIAL AGED CARE FACILITY HIGH AND LOW CARE NOTE: This information is accurate as at 20 th March 2013 Residential Aged Care Facility where residents are classified
More information16 th Pacific Rim Real Estate Society Conference 24 to 27 January 2010 Wellington, New Zealand
16 th Pacific Rim Real Estate Society Conference 24 to 27 January 2010 Wellington, New Zealand Valuation Methods for Resident Funded Retirement Villages in Australia: A Practitioner s Perspective Brett
More informationCONDITIONS OF USE OF VISITOR ACCOMMODATION AND FACILITIES AT ABERYSTWYTH UNIVERSITY
CONDITIONS OF USE OF VISITOR ACCOMMODATION AND FACILITIES AT ABERYSTWYTH UNIVERSITY When you make a booking with us or through us it is important that YOU and WE know who is responsible for what. The following
More informationExclusive Automotive Finance is an operating division of European Financial Services Limited. Level 1, 6 Mackelvie Street, Grey Lynn, Auckland 1021.
CONSUMER LEASE AGREEMENT Tax Invoice GST NO. 88-107-586 Exclusive Automotive Finance is an operating division of European Financial Services Limited. Level 1, 6 Mackelvie Street, Grey Lynn, Auckland 1021.
More informationThe FOS Approach to Mortgagee sales
The FOS Approach to Mortgagee sales 1 At a glance 2 1.1 Scope 2 1.2 Summary 2 2 In detail 3 2.1 Taking reasonable care 3 2.2 Valuing the property 4 2.3 Marketing the property 5 2.4 Maintaining or improving
More informationINTRODUCTION. Happy Address is our new Property Management and Vacation Rental division.
INTRODUCTION Happy Address is our new Property Management and Vacation Rental division. Mayan Riviera has become one With over 10 years developing in the Playa del Carmen area, Desarrollos SIMCA, of the
More informationOdessa Marine Pty Ltd ACN Terms & Conditions of Trade
Odessa Marine Pty Ltd ACN 620 372 474 Terms & Conditions of Trade 1. Definitions and Interpretation 1.1 Unless otherwise specified the following words and phrases have the following meanings in these Terms:
More informationNew London Historical Society Renter Manual
179 Little Sunapee Road P.O. Box 965, New London, NH 03257 (603)526-6564 www.newlondonhistoricalsociety.org Welcome to the New London Historical Society. New London Historical Society Renter Manual We
More informationProperty. Claim Form PLEASE RETURN COMPLETED FORM TO YOUR JLT OFFICE:
Property Claim Form PLEASE RETURN COMPLETED FORM TO YOUR JLT OFFICE: GPO Box 1693 ADELAIDE SA 5001 Tel +61 (0)8 8418 0288 Fax +61 (0)8 8223 6903 Australian Broking & Risk Services PO Box 197 Rundle Mall
More informationAMANDA ENERGY PTY LTD STANDARD FORM ELECTRICITY CONTRACT
AMANDA ENERGY PTY LTD STANDARD FORM ELECTRICITY CONTRACT CONTENTS Clause Page 1. Supply of Electricity... 1 2. Term of Contract... 1 3. Prices and Fees... 3 4. Billing... 5 5. Payment of Your Bill... 6
More informationEnergy Ombudsman Queensland. Achieving fair and efficient resolution of disputes between Queensland s energy consumers and suppliers.
Energy Ombudsman Queensland Achieving fair and efficient resolution of disputes between Queensland s energy consumers and suppliers. ENERGY OMBUDSMAN QUEENSLAND Established on 1 July 2007, Energy Ombudsman
More informationRetirement Villages Form 1
Retirement Villages Form 1 Public information document Retirement Villages Act 1999 (Section 74) This form is effective from 1 July 2012V Form 1 Retirement village name: Wishart Christian Village Retirement
More informationWhat to do if you think a bill s incorrect (p10)
What s in this brochure? It s full of the important stuff you need to know about your agreement with us. All your terms and conditions, including things like: What to do if you think a bill s incorrect
More informationCity/Town Postcode Country
Car Parking UNSW Village Pty Limited ABN 19 125 227 401 (the Owner) has limited parking available at UNSW Village (the Village). All cars parked in the Village are required to have a parking permit at
More informationAPPLICATION FOR COMMERCIAL CREDIT 30 DAY TRADING ACCOUNT Date:
APPLICATION FOR COMMERCIAL CREDIT 30 DAY TRADING ACCOUNT Date: Referred By: To: ABC BRICK SALES ACN 108 793 460 and any subsidiary or associated entity and as trustee of any trust ( ABC BRICK SALES ) I/We
More informationBeach Accommodations LLC Rental Policies, Terms & Conditions
Beach Accommodations LLC Rental Policies, Terms & Conditions Please read the following information carefully! IDENTIFICATION: For the purpose of this document, the document will be referred to as Rental
More informationAPPLICATION FORM PROPRIETARY COMPANY LIMITED BY SHARES
APPLICATION FORM PROPRIETARY COMPANY LIMITED BY SHARES Please read the following before completing the application form. By completing and submitting the Application you confirm as follows: 1. that if
More informationCREDIT TERMS. Sales Conditions means the agreement entered into between the Supplier and the Customer for any supply of Goods
CREDIT TERMS These terms form the Credit Terms. 1 INTERPRETATION Definitions and interpretation In this agreement: Business Day means a day other than a Saturday, Sunday or public holiday in every state
More informationLease Terms and Conditions
Lease Terms and Conditions Lease Provisions 1 Entering into this agreement This agreement commences when you and we have signed this agreement. 2 Delivery You must obtain the goods and have them delivered
More informationConsumer building guide
Consumer building guide FT246 February 2004 www.fairtrading.nsw.gov.au Additional copies This publication can be viewed or printed from the Publications page of our Web site at: www.fairtrading.nsw.gov.au
More informationRetail Exemptions Consultation Paper and Draft Exempt Selling Guideline. QCOSS Submission
Retail Exemptions Consultation Paper and Draft Exempt Selling Guideline QCOSS Submission February 2011 Response to AER Consultation Paper: Retail Exemptions Queensland Council of Social Service (QCOSS)
More informationBUILDING INDUSTRY MULTIPLE SITE AGREEMENT TERMS
BUILDING INDUSTRY MULTIPLE SITE AGREEMENT TERMS Electricity Natural Gas GreenPower and Green Gas Australian Capital Territory New South Wales Queensland South Australia Victoria April 2017 1 Contents 1.
More informationIntroduction. lifetime mortgages Terms and Conditions. Thank you for choosing a Just lifetime mortgage.
2017 Edition lifetime mortgages Terms and Conditions Just is a trading name of Just Retirement Money Limited. Where you see Just in this form, this means Just Retirement Money Limited. Introduction Thank
More informationCONSUMER CREDIT AGREEMENT SAMPLE
CONSUMER CREDIT AGREEMENT Exclusive Automotive Finance is an operating division of European Financial Services Limited. Level 1, 6 Mackelvie Street, Grey Lynn, Auckland 1021. CUSTOMER ( you, your ) GUARANTOR
More informationPROPERTY MANAGEMENT AGREEMENT
PROPERTY MANAGEMENT AGREEMENT This Property Management Agreement ( Agreement ) is made on / / between ( Owner ) and ( Agent ), who have agreed as follows: 1. DEFINITIONS Whenever the following capitalized
More informationInformation you need to know about your
Information you need to know about your Permanent Residential Aged Care Request for a Combined Assets and Income Assessment The Australian Government Department of Human Services or the Department of Veterans
More informationYsgol Y Bont Faen Cowbridge Comprehensive School
Ysgol Y Bont Faen Cowbridge Comprehensive School SCHOOL LETTINGS POLICY Formulated by: DTS, BWS Adopted by: Premises and Health & Safety Committee Date: 24 th April 2018 Review: 3 Years or subject to changes
More informationHIRE AGREEMENT TERMS & CONDITIONS
MINLEY INVESTMENTS PTY LTD trading as: SALES HIRE & SERVICE 1300 653 326 www.taraforklifts.com.au ABN 23 001 299 529 SYDNEY OFFICE : 27A Sleigh Place Wetherill Park NSW 2164 Phone: 02 9756 1595 Facsimile:
More informationForm 3928 ( ) LAND TITLES ACT (ALBERTA) SET OF STANDARD FORM MORTGAGE TERMS COLLATERAL MORTGAGE (PERSONAL LENDING)
LAND TITLES ACT (ALBERTA) SET OF STANDARD FORM MORTGAGE TERMS COLLATERAL MORTGAGE (PERSONAL LENDING) TABLE OF CONTENTS SECTION 1 TERMS YOU NEED TO KNOW...1 SECTION 2 - HOW THE MORTGAGE WORKS...4 SECTION
More informationANZ ASSURED & PERSONAL OVERDRAFT
ANZ ASSURED & PERSONAL OVERDRAFT TERMS AND CONDITIONS 12.2017 Introduction If you are thinking about obtaining a personal credit facility from ANZ or have any questions about your existing facility, simply
More informationKameo Textile Engineering Pty Ltd Terms & Conditions of Trade Definitions
1. Definitions 1.1 Kameo shall mean Kameo Textile Engineering Pty Ltd, its successors and assigns or any person acting on behalf of and with the authority of Kameo Textile Engineering Pty Ltd. 1.2 Client
More informationCustomer Terms & Conditions
Customer Terms & Conditions ELECTRICITY AND GAS MARKET RETAIL CONTRACT POWER TO YOU Thanks for joining DC Power Co, Australia's first customer-owned power company designed for people with solar and people
More informationThis Agreement sets out the terms and conditions on which we agree to sell you Energy and you agree to buy Energy from us.
CUSTOMER CHARTER 1. INTRODUCTION This Agreement sets out the terms and conditions on which we agree to sell you Energy and you agree to buy Energy from us. This Agreement is a market retail contract for:
More informationCHILDS PROPERTY INSPECTIONS PTY LTD
STRATA RECORD SEARCH REPORT Client Client Reference Childs Property Inspections PO Box 78 Caringbah 1498 Jason (John Brown Solicitors Date Inspected: 18th June 2007. Order No: 4190320 Strata Plan: 89028
More informationStandard Retail Contract Terms and Conditions.
Standard Retail Contract Terms and Conditions. 1 December 2017. In accordance with section 35(4) of the Electricity Industry Act 2000 and section 42(4) of the Gas Industry Act 2001, Powerdirect provides
More informationTERMS AND CONDITIONS OF TRADE
1. Definitions TERMS AND CONDITIONS OF TRADE 1.1 Nqpetro means Nqpetro Pty Ltd, its successors and assignor any person acting on behalf of and with the authority of Nqpetro Pty Ltd. 1.2 Customer means
More informationBrandis Hire Pty Ltd Terms and Conditions of Hire
Brandis Hire Pty Ltd Terms and Conditions of Hire It is agreed: 1. Definitions and interpretation 1.1 Definitions Unless the context otherwise requires, the following terms shall have the meanings respectively
More informationGeneral Mortgage Conditions
General Mortgage Conditions 2016 (Scotland) 0800 298 5714 precisemortgages-customers.co.uk Contents Condition Number Page Number Part 1: Understanding These Conditions 4 1 Definitions 4 Part 2: Your Agreement
More informationLand Titles Act (Alberta) Set of Standard Form Mortgage Terms - Residential
Variable Rate Land Titles Act (Alberta) Set of Standard Form Mortgage Terms - Residential TABLE OF CONTENTS SECTION 1 TERMS YOU NEED TO KNOW...1 SECTION 2 HOW THE MORTGAGE WORKS...3 SECTION 3 INTEREST...4
More informationRates Rebate (Retirement Village Residents) Amendment Bill. Department of Internal Affairs report to Local Government and Environment Committee
Rates Rebate (Retirement Village Residents) Amendment Bill Department of Internal Affairs report to Local Government and Environment Committee 20 June 2017 Contents Introduction... 3 Comment... 3 Summary...
More informationCharges schemes
Thames Water Utilities Limited (TWUL) Published date: 1 February 2017 Effective date: 1 April 2017 Version 1.0 Charges schemes 2017-18 Setting out tariffs for 2017/18 in connection with services provided
More informationOur fees and charges explained
Our fees and charges explained and other important information about how your mortgage works - December 2016 What s in this booklet Keeping you informed 3 Application and valuation fees 3 Application fees
More informationLending Criteria. Standard Residential Read in conjunction with General Criteria
This list is not exhaustive. Please contact us to discuss your requirements Standard Residential Age: Minimum: 18 Term: Maximum: 35 years or the number of years it will take (the eldest) applicant to reach
More informationProperty Law Review Lot entitlements under the Body Corporate and Community Management Act 1997 Final Recommendations
2016 Property Law Review Lot entitlements under the Body Corporate and Community Management Act 1997 Final Recommendations Commercial and Property Law Research Centre QUT Law Preface The Commercial and
More informationAPPLICATION FOR RESIDENTIAL TENANCY
APPLICATION FOR RESIDENTIAL TENANCY Thank you for submitting your application with Kindred Property Group. Your application will be treated with the highest priority and we will endeavour to have an answer
More informationPROPERTY MANAGEMENT AGREEMENT
PROPERTY MANAGEMENT AGREEMENT This Property Management Agreement ( Agreement ) is made on / / between ( Owner ) and ( Agent ), who have agreed as follows: 1. DEFINITIONS Whenever the following capitalized
More informationFACTORING POLICY. January 2019 January CASSILTOUN HOUSING ASSOCIATION LIMITED Castlemilk Stables, 59 Machrie Road, Castlemilk, Glasgow G45 0AZ
FACTORING POLICY Date Approved Proposed Review Date January 2019 January 2022 Chair Person/Office Bearers Signature: CASSILTOUN HOUSING ASSOCIATION LIMITED Castlemilk Stables, 59 Machrie Road, Castlemilk,
More informationFINANCE INFORMATION 2016/2017 ACCOMMODATION SERVICES BIRMINGHAM CITY UNIVERSITY
FINANCE INFORMATION 2016/2017 ACCOMMODATION SERVICES BIRMINGHAM CITY UNIVERSITY General information about paying your Residence Fees This document is designed to give you all the financial information
More informationApril 2018 Adviser use only. Aged care guide
April 2018 Adviser use only Aged care guide Table of contents Welcome to the aged care guide 1 Residential aged care 2 Advising your clients about residential aged care 3 Before entering residential aged
More information2017 PwC/Property Council Retirement Census
201 PwC/Property Council Retirement Census November 201 We are excited to have been part of developing the 201 PwC/Property Council Retirement Census. One clear message for the sector continues to be the
More informationAgreement for the supply of Hot Water Services
Agreement for the supply of Hot Water Services Understanding your Energy Agreement with us New South Wales South Australia Queensland Victoria Northern Territory Thanks for choosing us April 2018 Thanks
More informationThe date set out in Item 1 of the form of Licence Acknowledgement
Swinburne Student Residences LICENCE AGREEMENT DATE The date set out in Item 1 of the form of Licence Acknowledgement BETWEEN Swinburne University of Technology ABN 13 628 586 699 of John Street, Hawthorn,
More informationretirement villages factsheet
Park and Village Information Link Disputes and Complaints This factsheet includes practical tools to help you to follow the guidance provided in the Department of Housing and Public Works factsheet Dispute
More informationThe Profit & Loss Account Accounting for Revenue & Expenses
The Profit & Loss Account Accounting for Revenue & Expenses Chapter 3 1 Luby & O Donoghue (2005) Profit & Loss Account The main reason why people set up in business is to make a profit. The profit and
More informationH 7. Factoring Policy. If you require this policy in a different format please ask a member of staff. Date of Approval March 16 Review Due March 19
H 7 Factoring Policy If you require this policy in a different format please ask a member of staff Date of Approval March 16 Review Due March 19 1.0 The Association s Objective 1.1 Elderpark Housing Association
More informationWITH THIS APPLICATION, PLEASE BRING:
Cross Keys Apartments 314-831-1366 WITH THIS APPLICATION, PLEASE BRING: Application will not be processed without ALL required documentation and fees. Application fee of $ for each person over 18 years
More informationLAND TITLES ACT (N.W.T.)
LAND TITLES ACT (N.W.T.) ROYAL BANK OF CANADA COLLATERAL MORTGAGE (Personal Lending) (Fixed Rate) TABLE OF CONTENTS SECTION 1 AMOUNTS SECURED BY THE MORTGAGE AND INTEREST RATE...2 SECTION 2 - TERMS YOU
More informationForm 17a Pocket guide for tenants. houses and units
Form 17a Pocket guide for tenants houses and units The Residential Tenancies Authority (RTA) is the Queensland Government statutory body that administers the Residential Tenancies and Rooming Accommodation
More informationPREMIUM COMMUNITY ASSOCIATION REPORT.
. SYDNEY 587 Bunnerong Road Matraville NSW 2036 Phone: 1300-363-774 Fax: 1300-365-774 BRISBANE PO BOX 766 Coolum Beach Qld 4007 Phone: 1300-787-282 Fax: 1300-365-774 CLIENT NAME: REFERENCE: PLAN TYPE:
More informationLEGAL INDEMNITY POLICY OF TITLE INSURANCE FOR RESIDENTIAL PROPERTY COVERAGE FOR KNOWN RISK
LEGAL INDEMNITY POLICY OF TITLE INSURANCE FOR RESIDENTIAL PROPERTY COVERAGE FOR KNOWN RISK ENGLAND & WALES (FORM KR E&W 07/05) SCHEDULE Online File Number nnnnnnnn Policy Number KR (E&W) - xxxxxxxxxxx
More informationScheer Short Stay Policy. Your guide to Premium, Excesses, Discounts & Claims Payments.
Scheer Short Stay Policy Your guide to Premium, Excesses, Discounts & Claims Payments. Your guide to Premium, Excesses, Discounts & Claims Payments The purpose of this guide is to provide further detail
More informationCanterbury Development Contributions Plan 2013
Canterbury Development Contributions Plan 2013 Adopted by Council: 5 December 2013 Effective from: 17 December 2013 Jim Montague PSM GENERAL MANAGER City Planning Division Contents Page Number 1. Plan
More informationOrange Development Contributions Plan 2015
Orange Development Contributions Plan 2015 Adopted by on 3 November 2015 F1783 0.0% Orange Development Contributions Plan 2015 Prepared for By GLN Planning Pty Ltd ABN 39 585 269 237 Level 10, 66 King
More informationSetting up your lifetime mortgage 3. During your lifetime mortgage 6. Additional borrowing 7. Moving home 8. Change of ownership 9
Tariff of Charges About our tariff of charges This document provides you with a complete list and description of the charges that you may incur during the set up and term of your lifetime mortgage. The
More information