New and updated forms for debt buster, super saver and home stretch. With this version we make it easier to solve for debt needs, super saver strategy and apply more seamlessly for a home or just see if you are ready. This makes it easy to answer a few questions and speed up your home buying process without all the tedious paper-work you have to perform otherwise. Updated property aspirations form - Now get better property suggestions that fit you by answering a few questions around the ideal property. This helps us find and build the best deal for you to move into your own property.

- Location permission fix for iOS - Fresh onboarding to highlight important aspects of Occubuy - New, in-app home buying application form - Edit rent issues removed with rent transaction identification - Location soft permission for explore properties matching - Notification soft permission to keep communication active when earning points - More reliable connect account interface loading - Major bug fixes

- Fresh onboarding to highlight important aspects of Occubuy - New, in-app home buying application form - Edit rent issues removed with rent transaction identification - Location soft permission for explore properties matching - Notification soft permission to keep communication active when earning points - More reliable connect account interface loading - Major bug fixes

- Streamlined onboarding, made easier. - A new redemption value screen for Occupoints before connecting account. - 3x points for claiming Occupoints via the app. - New boost deposit screen. - Different partner Econnex to save more on electricity, gas, internet, etc bills. - Major bug fixes.

Upload statements for Occupoints on rent: We observed that some of our users, especially those using "Centrepay" to pay rent are unlikely to be able to connect their accounts via open-banking. In this update, we've introduce a link to upload your statements. The formats range from docs, pdfs or images. Please note, it takes about 2-3 business days to verify your timely rent payments this way and award Occupoints accordingly. Also, it needs to be performed periodically unlike with open-banking, which happens automatically. If you are initially feel uncomfortable to connect your account or pay via Centrepay you can use this option, otherwise we recommend connecting your bank account via open-banking - it's simple, very safe and automatic. Fixed poor font scaling: On large screen devices we observed poor and zoomed font scaling occurring. If you have faced such an issue where the interface doesn't feel right, we recommend updating your app to this version. Reworked onboarding flow: We expect users to connect their accounts first so we can get straight to rewarding them Occupoints for their rent. Once users complete this step, filling up the buyer quiz soon after will help us connect the dots of affordability and the rent to your homeownership plan. This makes it easy for us to help you buy that dream home and escape the rental rinse. Strong incentive towards home deposit on connect screen: To clarify things especially with users that don't understand the concept - Occubuy rewards points just for paying your rent on time, and we now aim to this automatically. These points are a way to gain ownership while you rent because it doesn't allow your rent to go to waste. The points can then be redeemed towards a discount on the amount of deposit you need to save, accelerating you towards homeownership much faster than anything before. Major phone number verification bug fix: If you faced an issue with verification of your phone number during signup in the recent past, we apologize for the inconvenience. This version should be more stable and it should help those that had trouble on this screen move forward.

Updated My Points Screen - cleaner and easier to read design with better backtracking, rent streak and transaction monitoring of points for on-time rent payments. Updated Yodlee Compliance - to stay complaint with CDR rules and follow all the protocols that help us serve you through open-banking. Fix Feedback Tracking - To help address any feedback you have quickly and smoothly.

- Fixed navigation to properties for property price on home buying screen, to set your ideal property price. - Add postcode to your rent details to enhance rent to mortgage value and find properties near you. - New onboarding screens.

New and updated home screen - We've really revamped our home screen to make sure you get the full value of what Occubuy has to offer and make it easier to access, and redeem your Occubuy points. Get an quick idea of your timeline to ownership and also continue to collect points for your rent all on a single neatly designed home screen. New navbar - With this new navbar we have streamlined Occubuy into 4 main options especially around your buying plan and points This makes it easier to navigate the app for your benefit. Confirm rent screen - To drop any confusion around connecting your account, we have now highlighted that the focus is on making sure we can verify your rent payments easily to reward you for paying on time. This will also help build your buyer profile and credibility. Connecting your account through open-banking let's us make this happen, so we recommend you to get this action done (if you haven't already) so you can lock in your points. New Property Aspirations Survey - We are super interested in getting to know your ideal property needs, whether you wish to buy as an owner-occupier or as an investment. Filling up this form on the property explorations screen will help us find your kind of property that matches your aspiration with your affordability. This helps make hunting for a new home a far easier activity than searching on traditional listing platforms. We encourage you to tell us in detail what makes sense for you in a property that you might easily end up buying. Better referral opportunity - We've updated our referral screen and upgraded the opportunity for referrals. You can now earn additional points not only for referring friends but also when they buy their home, easing your ability to afford one yourself by helping others achieve their homeownership dreams as well in the process. Home Stretch Fixed - We unintentionally prevented many of our Occubuyers from being able to easily apply for a home through the app using our home stretch feature. All problems around this have been removed so that you can apply when you are ready buy with much greater ease. Please, fill the home stretch form to get your instant buying power and to start the process of buying your home. There are several fixes and upcoming updates that are being brought to the app to help you earn and redeem your points for more / maximum rewards. We encourage every Occubuyer to start early and keep accumulating points on your rent, while we expand our ecosystem to make it quicker and cheaper to get you closer to the property of your dreams.

New and updated home screen - We've really revamped our home screen to make sure you get the full value of what Occubuy has to offer and make it easier to access, and redeem your Occubuy points. Get an quick idea of your timeline to ownership and also continue to collect points for your rent all on a single neatly designed home screen. New navbar - With this new navbar we have streamlined Occubuy into 4 main options especially around your buying plan and points This makes it easier to navigate the app for your benefit. Confirm rent screen - To drop any confusion around connecting your account, we have now highlighted that the focus is on making sure we can verify your rent payments easily to reward you for paying on time. This will also help build your buyer profile and credibility. Connecting your account through open-banking let's us make this happen, so we recommend you to get this action done (if you haven't already) so you can lock in your points. New Property Aspirations Survey - We are super interested in getting to know your ideal property needs, whether you wish to buy as an owner-occupier or as an investment. Filling up this form on the property explorations screen will help us find your kind of property that matches your aspiration with your affordability. This helps make hunting for a new home a far easier activity than searching on traditional listing platforms. We encourage you to tell us in detail what makes sense for you in a property that you might easily end up buying. Better referral opportunity - We've updated our referral screen and upgraded the opportunity for referrals. You can now earn additional points not only for referring friends but also when they buy their home, easing your ability to afford one yourself by helping others achieve their homeownership dreams as well in the process. Home Stretch Fixed - We unintentionally prevented many of our Occubuyers from being able to easily apply for a home through the app using our home stretch feature. All problems around this have been removed so that you can apply when you are ready buy with much greater ease. Please, fill the home stretch form to get your instant buying power and to start the process of buying your home. There are several fixes and upcoming updates that are being brought to the app to help you earn and redeem your points for more / maximum rewards. We encourage every Occubuyer to start early and keep accumulating points on your rent, while we expand our ecosystem to make it quicker and cheaper to get you closer to the property of your dreams.

Critical Issue Fixed: Account Connection - We are well aware that so many of users attempt to connect their bank account and find that the app hasn't registered any connections leaving you wondering. Firstly, we apologize for the inconvenience that has prevented a good many of you from getting started to collect Occupoints for your rent. This updated version is reliable in registering and converting your account connection into valuable Occupoints. We recommend an immediate update to this version. Retry connect account safety mechanism added - This helps us prevent temporary blocks when you attempt to connect your account. It's a smaller stability fix. Hope to see more Occubuyers convert their rental dead money into a home deposit.

Already Connected? — Button We've had Occubuyers who say that they've already connected their account via open-banking, but it hasn't reflected on the app. So, to fully safeguard this from happening, if you notice a similar problem with your account, please click the "Already Connected?" button when asked to connect once more. In a few seconds, Occubuy will check for previously connected accounts and fix the issue. We apologize if you are still experiencing this inconvenience, right now this was the most straightforward fix we could manage. Thank you for your patience and we hope to see you earning Occupoints. "No changes to how you pay" We wanted to make it clear to every Occubuyer that our app does not force you to change your method of rent payment. So, we've added a simple line to make this clear on our open-banking connect account screen. You can continue to use your preferred method whether it is DD, Card, BPay, etc to pay rent and Occubuy is able to use your connected account to reward you. Buyer type on home stretch - We are now trying to identify if you wish to buy a place to live in as an owner-occupier or as an investment. This helps us define and simplify the process towards home ownership, making it easy to trade your Occupoints for a new home. New Onboarding — "I still don't understand the concept" Many Occubuyers haven't fully understood what Occubuy is all about, missing out on a game-changing opportunity. This new onboarding driven by Occto our interim mascot explains why Occubuy is a necessity for renters in an outpriced housing market. For Occubuyers who aren't new to the app its simple — You earn points for your on time rent payments, like frequent renter points (similar to flyer points) and these points can be redeemed towards your future home. Helping you save quicker and easily access homeownership.

Meet Occto, our trial intern mascot! He’s here to add some fun while you track rent payments and move closer to your dream home. If you spot him often, you’re definitely crushing it with Occubuy. Also, if you love having him around, let us know — he might just earn a full-time spot in the app (yes, you get to decide his future!). New Rent Rewards Screen Every tracked rent payment deserves a celebration! Now you’ll see a brand-new success screen where you can: * Track your monthly rent payments * Celebrate streak milestones * Watch Occto cheer you on! Rent Streaks (with Bonuses!) Oh, there’s a bonus too! Stay consistent with timely rent tracking to: * Earn bonus points for hitting monthly targets * Keep tabs on your payments each month * See your longest streak ever Faster First 100 Points We’ve simplified linking your rent account so you can score your first 100 points even quicker or get notified when you can. Smarter Claim Points Widget On the home screen and wallet, your rent goals are clearer than ever — turn every rent payment into buying power. Easily edit details, see due dates, and know exactly how your payments boost your home deposit. Time to Buy Your Buying Plan progress circle now highlights how long it could take to own your dream home a bit more clearly — keeping the journey motivating and real.

Critical Fix Added: We observed issues around connecting your bank account, where the app would just restart after returning from your bank website or app and fail to record completion of account connection. This fix aims to solve the issue so that you can transition to earning Occupoints smoothly and to avoid any confusion around whether your accounts connected or not.

Introducing Rent Streaks - Earn bonus points when you hit a rent streak milestone. We value users who engage more with the Occubuy app to achieve their ownership goals. Hence, we have introduced bonus points for when you claim points for your rent payments. Consistent engagement will lead to you being on rent streak and therefore get the maximum benefit of tracking rent on the app. New Connect Account Screen - We have added a new connect account screen, to highlight the ability of our users to turn their rent into buying power using Occupoints. We also explain the benefits of connecting your account and address any previous issues around safety and privacy. We are always interested in user feedback, so please feel free to get in touch with us through the app or otherwise and let us help you achieve your home owernship goals.

Can I buy right now? Redeem or cash out my Occupoints? Introducing Home Stretch - Know your instant buying power for free. A combination of your borrowing capacity, savings and Occupoints that you can redeem when you are ready to own. Visit "Home Stretch" on your buyer plan screen, answer a few questions and get an idea of your purchasing power. Make use of your Occupoints whether it is in buying your dream home or as an investment. Ownership Pathways - Saving for a deposit the traditional way can be hard for many and we understand its especially difficult to save as a renter. There are multiple ways to become an owner which most renters aren't aware of. Visit the "Ownership Paths" screen on your buyer plan to get an understanding of the several ways you can become an owner and what is required. Also, earn Occupoints for answering a few questions around them. Mark the pathways that interest you so that Occubuy can prioritize it and make it easier for you to achieve. We are on a mission to help renters get to home ownership with greater ease and much quicker. So, please feel free to give us any feedback in the app or via email.

Small fix to improve links on the app for navigation. From our previous releases - CRITICAL BUG FIX: Buying plan screen stuck in loading for some users. If you are experiencing this, upgrading to this version takes care of the problem. * Fixed blank account screen - If you ever faced a blank screen when attempting to connect your account, we sincerely apologize for the inconvenience. We have fixed it on this version. We request anyone with trouble, to update the app so that they can use Occubuy to it's full potential and earn points for all your timely rent payments. * View connected accounts (with masked account numbers) - You may verify the accounts you connect to Occubuy with their masked account numbers for easy identification. Visit Account > Connected Accounts screen to access. This will help you check if the right account to earn Occupoints on rent is connected and for other purposes. * Carousel of qualified deposit boosting services - We have added a carousel for quick access to deposit boosting financial services right on your home screen. The services displayed are tailored made for you with the intention of helping you - "Save big. Own quick!". * Indication to update your deposit - If you just completed the buyer quiz, we only come up with an estimate of how much you have saved for your deposit. We now indicate if we need you to update the actual amount on the Buying Plan screen. This accuracy will help us determine the best pathway to ownership of your dream home. * Sarah chat fixed linking - A lot of users were unable to use links generated by our Sarah chatbot to complete a certain task. We have now fixed it with a better alternative, so that you can ask your burning questions and get the right amount of feedback to take leaps forward in your ownership journey. * Budgeting (Track Expenses) - If you want to make sure you can buy at least within 3-5 years, if not immediately, please visit Boost Points > Track Expenses screen. On this screen you can get to know how much you should save per month based on your actual income and expenses to achieve your home buying goals in good time. Thanks for using Occubuy! We're always listening - send us feedback anytime from the Account page on the app or through our chatbot Sarah.

CRITICAL BUG FIX: Buying plan screen stuck in loading for some users. If you are experiencing this, upgrading to this version takes care of the problem. Fixes and new features from our last update: * Fixed blank account screen - If you ever faced a blank screen when attempting to connect your account, we sincerely apologize for the inconvenience. We have fixed it on this version. We request anyone with trouble, to update the app so that they can use Occubuy to it's full potential and earn points for all your timely rent payments. * View connected accounts (with masked account numbers) - You may verify the accounts you connect to Occubuy with their masked account numbers for easy identification. Visit Account > Connected Accounts screen to access. This will help you check if the right account to earn Occupoints on rent is connected and for other purposes. * Carousel of qualified deposit boosting services - We have added a carousel for quick access to deposit boosting financial services right on your home screen. The services displayed are tailored made for you with the intention of helping you - "Save big. Own quick!". * Indication to update your deposit - If you just completed the buyer quiz, we only come up with an estimate of how much you have saved for your deposit. We now indicate if we need you to update the actual amount on the Buying Plan screen. This accuracy will help us determine the best pathway to ownership of your dream home. * Sarah chat fixed linking - A lot of users were unable to use links generated by our Sarah chatbot to complete a certain task. We have now fixed it with a better alternative, so that you can ask your burning questions and get the right amount of feedback to take leaps forward in your ownership journey. * Budgeting (Track Expenses) - If you want to make sure you can buy at least within 3-5 years, if not immediately, please visit Boost Points > Track Expenses screen. On this screen you can get to know how much you should save per month based on your actual income and expenses to achieve your home buying goals in good time. Thanks for using Occubuy! We're always listening - send us feedback anytime from the Account page on the app or through our chatbot Sarah.

* Fixed blank account screen - If you ever faced a blank screen when attempting to connect your account, we sincerely apologize for the inconvenience. We have fixed it on this version. We request anyone with trouble, to update the app so that they can use Occubuy to it's full potential and earn points for all your timely rent payments. * View connected accounts (with masked account numbers) - You may verify the accounts you connect to Occubuy with their masked account numbers for easy identification. Visit Account > Connected Accounts screen to access. This will help you check if the right account to earn Occupoints on rent is connected and for other purposes. * Carousel of qualified deposit boosting services - We have added a carousel for quick access to deposit boosting financial services right on your home screen. The services displayed are tailored made for you with the intention of helping you - "Save big. Own quick!". * Indication to update your deposit - If you just completed the buyer quiz, we only come up with an estimate of how much you have saved for your deposit. We now indicate if we need you to update the actual amount on the Buying Plan screen. This accuracy will help us determine the best pathway to ownership of your dream home. * Sarah chat fixed linking - A lot of users were unable to use links generated by our Sarah chatbot to complete a certain task. We have now fixed it with a better alternative, so that you can ask your burning questions and get the right amount of feedback to take leaps forward in your ownership journey. * Budgeting (Track Expenses) - If you want to make sure you can buy at least within 3-5 years, if not immediately, please visit Boost Points > Track Expenses screen. On this screen you can get to know how much you should save per month based on your actual income and expenses to achieve your home buying goals in good time. Thanks for using Occubuy! We're always listening - send us feedback anytime from the Account page on the app or through our chatbot Sarah.

A boost to your ability to save big on your deposit. We have introduced a simple 3 step application form to make it very easy for you to get access to the best first home super saver scheme and to reduce your debt. These two actions take you miles ahead in your homeownership journey, so don't miss out. To apply: Visit your buying plan, click on boost your deposit and select the option you are interested in - "Save with Super" or "Reduce Debt". Once, you apply you can book a call for your next steps without the hassle of long wait periods. Why is this important for every home buyer? * The FHSS is a game changer in helping you save for a deposit much quicker, with lower taxes and can give you a boost of up to $100,000. It is the most advantageous method available to supercharging your deposit. * Refinancing your debt can go along way in helping you save more funds towards your deposit instead of wasting it on high interest payments, which can leave you stuck and unable to escape the debt cycle. * You also get a lot of Occupoints for taking these actions leading up to more savings on your deposit. Our property matching tool now has a simple search filter. Remember to start earning Occupoints to get full access to the Occubuy property portfolio.

New in This Version: Properties, properties and more properties! We’ve heard you loud and clear — “I need to see properties first!” So here it is: no more endless searching. You can now view and target real, available properties from our Occubuy partners right inside the app! Smarter Property Matches - We now match properties to you — based on your buyer quiz, financials, and lifestyle. Whether you're buying solo or rentvesting, we’ll help you find the best-fit homes faster. Maximize Your Occupoints - Use your hard-earned Occupoints to slash your deposit goals for any particular property — cutting down months or even years of saving and bringing you closer to owning your first home. Plan Ahead with “Add to Timeline” - Found a place you love? Just favorite it or even better tap “Add to Timeline” to target it on your homeownership timeline! Even if it sells early, we’ll keep looking for similar homes on your behalf — at the right time and the right price. Flexibility Built In - Changed your mind about the location? No problem. Use filters to explore other suburbs or postcodes and update your path to ownership in seconds. Ready to stop browsing and start buying? Whether you are looking for a dream home or rentvesting, we've got you covered. Let’s make your homeownership dream a reality.

Major Fixes: * Pull to refresh on home buying plan * Fixed updated values of deposit saved and points * Ownership timeline made more readable * Updating deposit saved fixed * Signup flow to home buying screen fixed for new users completing the form

We've launched a new "home buying plan" screen to help you purchase a home 3x faster than you normally would outside of Occubuy. How does it work? The home buying plan screen shows you a timeline to ownership of your home of a particular property price. This timeline is based on the amount of deposit and all your accumulated Occupoints. We also display your borrowing capacity which is also based on your form responses or connected bank accounts that helps us estimate your affordability. This screen also provides you the option to boost your deposit and Occupoints for the purpose of accelerating your homeownership timeline - * Boost your deposit: Gives you access to the financial services offered by Occubuy and our partners to strategically help you save more towards your deposit. * Boost your points: Helps you consistently earn Occupoints while you are still renting, using your rent payments and other ways. Owning while renting has never felt more real. Your homeownership timeline has also been updated to consistently show progress as you save funds and accumulate Occupoints. You can now also easily update the deposit saved based on your bank balances of your savings accounts and any additional funds that you have saved can be specified. We have managed to delay your need to connect a bank account when using features like budgeting (i.e expense tracking), your ownership timeline, borrowing capacity, etc. However, the accuracy of these values will initially be lower based on your initial responses. However, we recommend that to see a more accurate timeline and borrowing capacity you can connect your bank accounts, specify joint income and expenses, etc all within the same interface. Issues Fixed: * O-Buy points are now called Occupoints with updated symbol. * Broken ownership timeline, borrowing capacity and budgeting problems. * Major fixes to borrowing and homeownership timeline bugs.

We've launched a new "home buying plan" screen to help you purchase a home 3x faster than you normally would outside of Occubuy. How does it work? The home buying plan screen shows you a timeline to ownership of your home of a particular property price. This timeline is based on the amount of deposit and all your accumulated Occupoints. We also display your borrowing capacity which is also based on your form responses or connected bank accounts that helps us estimate your affordability. This screen also provides you the option to boost your deposit and Occupoints for the purpose of accelerating your homeownership timeline - * Boost your deposit: Gives you access to the financial services offered by Occubuy and our partners to strategically help you save more towards your deposit. * Boost your points: Helps you consistently earn Occupoints while you are still renting, using your rent payments and other ways. Owning while renting has never felt more real. You homeownership timeline has also been updated to consistently show progress as you save funds and accumulate Occupoints. You can now also easily update the deposit saved based on your bank balances of your savings accounts and any additional funds that you have saved can be specified. We have managed to delay your need to connect a bank account when using features like budgeting (i.e expense tracking), your ownership timeline, borrowing capacity, etc. However, the accuracy of these values will initially be lower based on your initial responses. However, we recommend that to see a more accurate timeline and borrowing capacity you can connect your bank accounts, specify joint income and expenses, etc all within the same interface. Issues Fixed: * O-Buy points are now called Occupoints with updated symbol. * Broken ownership timeline, borrowing capacity and budgeting problems.

1. Backtrack & Boost – Claim Points for Past Rent! You asked, we listened. Now you can backtrack your rental payment history and earn Occupoints for rent paid before joining Occubuy—up to 365 days back! Don’t miss out on the points you deserve. This is your chance to give your home deposit a serious head start. 2. Improved Feedback Tools We’ve made it easier for you to share your thoughts. Got an idea, suggestion, or just want to say hi? Our new feedback options are smoother, faster, and more helpful than ever. 3. Add Your Location You can give Occubuy location permission on the property address page. This will help us find properties to match you with based on your goals and aspirations. Major Fixes: 1. Claim points button was stuck and did not work for some users, has now been fixed in this version.

Your Occubuy points are now shown right in your wallet screen. It's also where you are able to also track all the rent payments for which you have successfully claimed your points over your renting period. Credit score checker repaired - We noticed many of our renters need to keep their credit score in check and up to date in order to improve their chances of homeownership. There was an issue with retrieving this information reliably leading to broken scores. We have now reworked the interface so that your credit score is obtained without too much hassle. For some users who had the problem we have removed your broken score, so we request you to please try again on this version. Navigating to points screen - Since, there has been great take up among our aspiring renter buyers, we have tried to make sure that the concept of Occubuy points is better understood before you decide to connect your account. We need to get connected to your bank in order to periodically check for your timely rent payments and reward you these points that are a huge benefit to aspiring homeowners. We hope you don't miss out this time and get something back for your rent!