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THE RETIREMENT EDITION

A N E W D AW N FOR SENIOR LIVING

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Many retirees choose to live out their golden years in areas close to their family and friends.

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HE FIRST hurdle families often need to overcome when making decisions about the future of elderly loved ones is whether they should live alone, with family or in a

retirement village. The second hurdle, should they decide to move to a senior retirement development, is which village to choose. Many retirees feel offended when moving to a care facility is discussed and, similarly, many families feel guilty for suggesting it. The good news is that modern retirement villages, with their usually attractive surroundings, opportunity for friendships and numerous activities on offer, are not the “old-age homes” of yesteryear. They are actually thriving lifestyle villages that are, unfortunately, still out of the reach of most South Africans, either through affordability or demand exceeding supply. For those that do have the option, the experts offer some sound advice.

CHOOSING THE AREA Gus van der Spek of Aview Properties says retirees should choose a place that has on-site facilities which create a sense of community, but in an area that offers a break from the estate close by, such as gardens for walks or coffee shops to see friends. He adds: “When considering location, think where you’ll be in 10 years from now. Being near family and the things you know will be important. Proximity will begin to play a big role in your life when longer driving distances become more difficult. No one likes to think about these things,

Where to spend your golden years Options for older people are now very different from the antiquated concept of ‘old-age homes’ BY BONNY FOURIE bronwyn.fourie@inl.co.za but we are all human and being around the things you know and the people you love will become vital in extending your quality of life.” Being near high-quality health care and hospitals will also become more necessary as time goes on, he says. Phil Barker of Renishaw Property Developments says while proximity to family is undoubtedly important, retirees need to take into account the possibility of family moving away and perhaps consider focusing on selecting a village that fits their own needs. “This means looking at security, health care and community in a beautiful naturebased location that provides ample and varied opportunities to start one’s new adventure and live the holiday.” When it comes to choosing an area, Barry Kaganson of Auria Senior Living says this is based on individual choice but most people choose to live in areas near where they lived before so they can be close to friends/family and familiar surroundings. PICKING THE RIGHT ESTATE When moving into a senior living community, Kaganson says it is important to plan well ahead to secure a space in a senior living community. Planning should include: Assessing the senior living options available, such as sectional title ownership or Life Rights, and considering the most appropriate ownership model for your needs. Selecting a desired location and putting one’s name on a waiting list in good time. Looking at the quality of the operators, their track record and their long-term commitment. Checking what level of care is provided.

Speaking to current residents to find out how they enjoy living there. Echoing this, Barker says retirees should consider three items that Renishaw Hills deems “non-negotiables”. These are: Top-notch security. Affordable health care. A thriving and active community. The right estate is one which works for you, adds Van der Spek. “When my parents were looking to move into an estate, I visited many. It struck me that the things which I found important, were not necessarily important to them. “Ultimately, my advice to anyone looking to move at this point in their life – and it’s the same advice I give my clients – is: ‘Don’t make the decision for today – think 10 years on’. This is when you will need friends and family most – when the family doctors, dentists and familiar surroundings will benefit you most.” WHAT IS A LIFE RIGHT? Kaganson says a Life Rights scheme differs from a sectional title or full title property in that ownership of the property is held by the Life Rights’ scheme owner/operator. Even though legal ownership of the property is not transferred to the occupant, a Life Right is sold under a secure legal framework, which essentially provides the occupant with all the legal protections of full ownership of the property during their lifetime. “When purchasing a Life Right, a market-related capital sum is paid to the Life Rights scheme owner for the right to use the property for the remainder of the occupants’ lives. When the Life Right terminates, which is either on the death of the Life Rights holder, or if they move out of the community, the original capital sum

or a portion of it, depending on the terms of the contract, is returned to the occupant or their estate. There is no transfer duty or VAT payable upfront.” Unlike full title or sectional title schemes, any capital appreciation in the property accrues to the scheme owner, and not the occupant. Life Rights are regulated by the Housing Schemes for Retired Persons Act (Act 65 of 1988) while sectional title complexes are run by body corporates. WHICH TO CHOOSE Life Rights gives a couple or nominated occupants a housing interest, in the same way as sectional or full title gives both people right of abode, says Van der Spek. But one must consider where the ongoing income stream is for the developer who stays involved in the management of the estate. “Purchasing into a sectional-title estate means that your living costs and ongoing repairs and maintenance of the estate will be higher as the developer looks to this management function as an ongoing income stream.” With Life Rights however, the developer makes sure that the estate is maintained and that your experience while living there is of the best standard, as they have a vested interest in the ongoing values of the units. “So, while the capital growth of the unit goes to the developer, the cost of services and living are low in a Life Rights estate and maintenance is for the developer’s account.” Put simply, Barker says the advantage of the traditional route, whether freehold or sectional title, is that capital gains accrue to the owner. “Life Rights contracts vary but, generally, there is a discounted entry price and no capital gain.”


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Vivian Warby

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Safe in the comfort of home

Letter from the editor WHEN I was still at school, there was an old age home across the road. A few afternoons a week I would go to visit the elderly there, chat to them and read to them. I loved listening to their stories and they loved the visit. What really struck me was that the place seemed to be a scary pit stop before death. It was depressing and offered little emotional comfort for those there. This is in such sharp contrast to what retirement living is like today. Now even 50-year-olds are looking forward to getting their spot in such a village or block because of the vibey lifestyle on offer. In just a few decades the entire retirement lifestyle has been completely overhauled and developers are taking into account that this pit stop should be the most fun of any in our lifetime. Having said this, it is clear that the retirement villages we see now will probably also be overhauled in the decades to come. The pandemic has certainly shone a bright light on the elderly, many of whom have been forced into hard lockdown and been cut off physically from loved ones. This has got developers thinking of new ways to build. While trauma, anxiety, sadness is universal as a result of Covid-19, it is our beloved elderly that have felt this most acutely. Developers and strategists know now how important mental well-being is, and this is being taken into consideration as retirement living adapts. I am in awe of what is out there in the market. It is thanks to the developers, and those with foresight, that this major step in our lives has become not something to fear, but something exciting to look forward to, if you can afford it. I would especially like to give a shout out to our elderly – so hard hit by the pandemic – who have shown us how to walk this road with grace. We salute you. Warm regards

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The Covid-19 pandemic has meant that retirement villages are shifting attention from frail care centres to rather seeing patients in their own units, and avoiding the potential of cross-infection in a central facility BY BONNY FOURIE bronwyn.fourie@inl.co.za

Home-based care and improved health and wellness activities are focal points for new retirement developments.

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HE CORONAVIRUS pandemic has been a catalyst for change in the property industry and even retirement accommodation has had a shakedown. Before Covid-19, a frail care centre was touted as being the most important offering in modern retirement accommodation, with experts believing that this facility should be the first step of development, followed by the housing units around it. However, this trend – which was still relatively new – appears to be shifting in favour of home-based care. Gus van der Spek, chief executive of Aview Properties, developers of Wytham Estate in Kenilworth, Cape Town, says during periods of high infection rates, ranging from the seasonal flu to more serious infections like Covid, people prefer to avoid having contact in a central facility and have services delivered to their unit. “Our home-based care model, coupled with a simple but high-quality ‘take away’ menu, will mean that staying home a few days to rest up will be easily achievable. I also think that having access to a centralised staff service will help as people can access a cleaner or laundry service as and when needed.” Centralised care facilities “were never going to work during a pandemic”. “While we still believe that there is room for a specialised medical facility – or ‘frail care’, as has been the focus of previous estates, the focus for most care nowadays will be homebased. Instead of going to frail care, frail care now comes to you. “Of course, specialised medical care and memory care will still require facilities set up for this but, for the most part, we can deal with care services in the comfort of people’s home.” Van der Spek says the Manor Group – which owns and manages Wytham Estate – is consulting with Australian senior living experts to develop the “hub-and-spoke” model which involves a specialised frail care and memory care facility in the neighbourhood to cater for

vivian.warby@inl.co.za

AFRICAN NEWS AGENCY

special requirements. Standalone estates of the future will then be developed on separate sites around this. “In a suburban context, like in Cape Town where land is scarce, this model works very well, fulfilling a social requirement for these kinds of facilities.” Echoing this, Phil Barker, managing director of Renishaw Property Developments in KwaZulu-Natal, believes the home-based care model is the future of health care in retirement villages. “Current retirees are demanding this and successful developments will undoubtedly deliver.” This model means units will be: Wheel chair-friendly. Designed to facilitate ageing in the home rather than having residents being consigned to a “frail care facility”. Managed by professional health care organisations and staffed by qualified nursing and supervised care-giving personnel. Apart from physical changes, retirement developments have also had to restructure their offerings. During the first and second waves of the pandemic, and currently, Barker says existing developments have had to creatively mould their management style and practices to cater for a relatively high-risk population. “Being creative in encouraging the residents to participate in organised and individual activities is one such change. Of course, these activities are always governed by strict Covid19 heath protocols, in order to lessen risk.” Another change is an even brighter spotlight on guiding and assisting residents towards maintaining their mental wellbeing by focusing on attitude, physical fitness, participation and interaction with peers. Using Renishaw Hills in KZN as an example, Barker says great attention is placed on fitness, friendship, and freedom – concepts that he believes would be the focus of all successful

mature lifestyle villages as they provide the “amenities, services and activities to facilitate and foster participation”. Residents at Renishaw Hills have “embraced” the necessary changes to their lifestyle and have “thrived” during the lockdown. He says there has been a noticeable emphasis on: •Personal fitness, both physical and mental. •Friendship, by making time to interact with other like-minded people and loved ones, either through physical (socially distanced) contact or via newly embraced technologies. •Freedom, through greater awareness of one’s advantaged lifestyle with its safe living spaces, gardens, natural surroundings, wide-open areas and the opportunities that come with it. Barry Kaganson, chief executive of Auria Senior Living, agrees that, one year on from the outbreak of the pandemic in the country, more focus is being placed on health and wellness. This means villages are improving outdoor recreation spaces and making exercise facilities available. “We have a variety of exercise classes and programmes to suit our residents’ needs and interests. There has also been an increased focus on the importance of the provision of health and wellness screenings. “In our communities, we provide a range of wellness programmes over and above exercise, to ensure any changes that could be cause for concern are identified early and addressed.” In addition, the pandemic has seen increased isolation and so there has been heightened awareness of the importance of mental health. Kaganson says intellectual stimulation is just as important as physical fitness and so the group has given great consideration to providing a range of stimulating activities for its residents. These range from hobbies and crafts to discussion groups, talks, movies, documentaries and social and cultural events.

DISCLAIMER: The publisher and editor of this magazine give no warranties, guarantees or assurances and make no representations regarding any goods or services advertised within this edition. Copyright ANA Publishing. All rights reserved. No portion of this publication may be reproduced in any form without prior written consent from ANA Publishing. The publishers are not responsible for any unsolicited material. Publisher Vasantha Angamuthu vasantha@africannewsagency Executive Editor Property Vivian Warby vivian.warby@inl.co.za Features Writer Property Bonny Fourie bronwyn.fourie@inl.co.za Design Kim Stone kim.stone@inl.co.za


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B R A N D S T O R I E S LIVE YOUR BEST LIFE AT GREEN HAVEN CONVENIENTLY located on the border of Kloof and Padfield Park, Greenhaven Estate is an over-50s lifestyle estate that has been meticulously designed for retirees to live some of their best years ever. From contemporary architecture, quality finishes and high-speed fibre connectivity, to 24-hour security, natural wetlands, a care centre and a clubhouse, the estate offers residents a

secure leisure lifestyle with everything they need right on their doorsteps. In addition, electrified perimeter fencing, CCTV surveillance, strict access control for guests and 24-hour patrols ensure residents’ safety and peace of mind. Featuring contemporary countrystyle architecture, accommodation is available in one-, two-, or three-bedroom,

single-level sectional title units in a variety of sizes and layout designs. All units are wheelchair friendly. Of the estate’s 9.3 hectares, over 2.4ha have been set aside for nature and open spaces, including seven natural wetlands and walking trails which have prolific bird life. Greenhaven Estate is a sectional title scheme allowing buyers to secure registered ownership of their units.

Harbour Bay Village is being constructed in Simon’s Town.

DEVELOPMENT BRINGS LUXURY RETIREMENT LIVING TO SIMON’S TOWN

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ARBOUR Bay Village, a

Demand for these units is

a fully equipped wellness

sectional title lifestyle

high and, as they are selling

centre, therapeutic gardens

development in Simon’s

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and a state-of-the-art specialist

Town which offers exclusive

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retirement living for the over-

into the development should

memory care facility will offer

50s, is due to open its doors to

do so soon. Phase 2 of the

Alzheimer’s/dementia care in

its first residents next year.

village’s construction – and

addition to clinic services and

pricing, will launch on May 1,

frail care.

The village, which is a R1 billion investment into the area, is under construction,

2021. The village, which is funded

Greenhaven Estate offers residents beautiful and secure homes.

Perfect home for your golden years

Residents’ independent lifestyles, health, wealth and

and its first units are expected

by Investec, will also be home

security form the cornerstones

to be ready for occupation in

to a world-class outdoor resort

of this coastal retirement

April next year.

pool, a holistic health spa,

offering.

HEALTH, WELLNESS PRIORITY AT ROB ROY

Palm Garden Retreat is a premier retirement village in Sea Point.

The Rob Roy Retirement Village offers panoramic views over the Valley of a Thousand Hills and a luxury lifestyle with top-quality health care. THE ROB ROY Retirement Village is perched near the summit of Botha’s Hill in KwaZulu-Natal, a peaceful up-market residential community that is the gateway to the Valley of a Thousand Hills. The village, which offers panoramic views over the valley, provides residents with a healthy and active retirement lifestyle in a beautifully manicured setting.

It also has 24-hour security, a fully equipped care centre, worldclass amenities and services, and a wide range of luxury apartments and free-standing cottages. In addition, it has an indoor heated pool. Health and wellness is the top priority and residents have access to the best medical care as and when they need it. Those who require

assisted care can also maintain their independence in their own luxury apartment or free-standing cottage, while having access to a full range of assisted living services. Property ownership is on a Life Rights basis which requires retirees to make an upfront investment and thereafter get the right to live in the property in the village for the duration of their lifetime.

PALM GARDEN RETREAT easily could be mistaken for a charming and gracious vintage five-star hotel but is actually a premier retirement village in Cape Town’s Sea Point area. It offers residents a luxurious lifestyle in which they can remain independent, yet secure. Whether they require care, catering or housekeeping, their physical safety is of utmost importance. The retreat features 37 apartments and an eight-bed care facility which includes a well-equipped treatment room. The care facility is registered by the Department of Health and Social Development and managed by a top-class nursing manager. The care facility is manned by enrolled nurses and carers around the clock and each resident has their own panic button connected to the nurse’s station in case of an emergency. For residents’ peace of mind security and receptionists are on duty 24/7. The spacious lounge, games room and a magnificent dining room – with pressed ceilings – complete the picture, The estate also features an exercise room and a large swimming pool set in beautiful gardens. Resident and guest parking is provided and an in-house chauffeur service is available.


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Careful planning needs to be made when choosing whether retirees should live with family, on their own, or move into a retirement village.

When to make the move

Experts give tips to older people on the decision whether to move to a retirement village, live with family or stay on alone, and answer other queries about making arrangements for the future BONNY FOURIE bronwyn.fourie@inl.co.za Q: MANY elderly people have to decide whether to live with family, move into a retirement village, stay where they are or downscale to a smaller home while still living alone. What should they bear in mind when choosing? A1: The first step is to consider their personal security and need for independence. This needs to be done without underestimating the importance of either. Living with family may compromise the second need, depending on living arrangements, while staying where you are will compromise the first need in the vast majority of cases. – Phil Barker, Renishaw Hills A2: Most families consider the decision of moving into retirement accommodation as moving into an “old-age-home”, but this couldn’t be further from the truth. Nowadays these estates are designed for leisure and lifestyle, with consideration given to the age group which they cater for. Once the children have moved out, big homes and rolling lawns are superfluous. Maintaining large properties becomes a chore and the responsibility of keeping the system going becomes a thankless task. Wytham Estate, for example, offers simplified staffing options, easy access to primary medical care, high-end security and centralised kitchen and communal facilities. The key is the simplification of all these facilities – giving residents time to do the things they have always wanted to do. – Gus van der Spek, Wytham Estate A3: Living with family doesn’t deal with the need for social interaction with a peer group on a daily basis or one’s care needs which may change over time. One of the biggest indicators that it might be time to consider an environment that offers on-site professional help is when a spouse, adult

child or other carer is finding it impossible to meet the many needs of a senior without considerable stress to themselves. Staying on one’s own can present challenges as there is the worry about loneliness and isolation. One of the biggest benefits of a senior living environment is the opportunity to be part of a community. There are social events and daily opportunities for interaction, both in structured and unstructured settings. Research shows a lack of social engagement is a major risk factor for declining health and early mortality and that older adults who regularly have the opportunity to socialise, take part in stimulating activities and who feel part of a community, experience better overall health and longevity. There are also a number of risks that people face as they get older, such as dementia, general illness and falls. If staying on one’s own, emergency response in the event of a fall or illness can’t be accessed as rapidly as it can in a senior living community. Things can go wrong at all stages of life, but in one’s later years, an incident such as a fall or a sudden illness can sometimes lead to other problems very quickly. If you’re already in a continuing care retirement community, such situations can be handled quickly by a care team, resulting in a better outcome. It also means you are spared the anxiety and stress of having to deal with a last-minute decision about finding an environment that provides the right support. Physical security is a priority in senior living communities. – Barry Kaganson, Auria Senior Living Q: How do you think retirement accommodation in 10 years’ time will differ from retirement accommodation today? A1: Full retirement is becoming passé.

As it stands, reaching the traditional retirement age is being viewed as the opportunity to re-assess one’s priorities and the time to begin a new adventure. This is why the successful mature lifestyle village of the future will cater to an active and interactive community. This should provide opportunities to safely engage in physically and mentally challenging hobbies as well as the ability to work from home, utilising ever-improving communication technologies. They’ll also provide a platform for residents to find a renewed sense of purpose, whether it is through outreach efforts or even simply through spending time with others just like them. – Phil Barker, Renishaw Hills A2: I think a home-based care model will become more prevalent as we go forward, with satellite specialised care facilities, such as frail care centres, providing the cover which only a minority of people will ever need. There will be a trend towards fitting estates into existing suburbs, and not farflung locations, as people want to stay in the areas where they have always lived. There will be a focus on facilities and services which offer variety and choice – moving away from the traditional and inefficient “all-in” approach to one where people have a choice to “pay-as-you-go” and pay for services only when they are required. I also think with the Life Rights model, there will be opportunity to move around easily and live in different locations. There are no friction costs, like VAT or transfer duty to consider when purchasing a Life Right, so this, for example, would make moving between Cape Town and Mauritius for six months at a time relatively easy with very few additional costs. – Gus van der Spek, Wytham Estate

A3: Catering for modern seniors has necessitated a shift in our outlook. Although some people still retire from work at age 65, this is no longer regarded as “mandatory”, nor the beginning of some kind of decline. Many continue to work, or if they do not, they travel and take up sports and hobbies that keep them active and busy. These people are not on the brink of a decline into “old age”, but many would like a lock-up-and-go, hassle-free lifestyle which has resulted in the advent of senior living communities, or continuing care retirement communities. Such communities have been pioneered in countries like the US, UK and Australia and have set the new standard in living for seniors. They provide everything from completely independent living to intensive levels of assistance, all in one continuum which means that people can move once and never have to worry about it again. This is an entirely new model of care in the South African market – and one which is quickly becoming popular. – Barry Kaganson, Auria Senior Living Q: At what age should retirees consider moving into a senior living village? A: Retirees are not only living longer but are generally healthier than previous generations. However, debilitating illness and the loss of a loved one is a major challenge that we will all face and for which we need to prepare. At Renishaw Hills we believe the way to prepare for this is to move into a mature lifestyle village sooner than one generally thinks is the perfect time. As a result, one needs sufficient time to research and select the right place before one can adapt, settle, form friendships, get comfortable and “live the holiday” while still physically and mentally able. – Phil Barker, Renishaw Hills

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KLOOF / PADFIELD PARK LIVE THE LIFE YOU'VE IMAGINED

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KLOOF R2 550 000 3 BEDS | 2 BATHS (MES) | SEPARATE 1 BED COTTAGE | POOL PEACE, TRANQUILLITY AND CHARM We are delighted to present this lovely, older style family home sitting in the most beautiful garden in good location of Kloof. Currently owned by a Landscape designer who has lived there for the past 33 years… and it shows in the garden. Nothing modern to bombard your senses just an aura of tranquillity. So, if you are into modern, open plan living then this home is not for you. However, if you are looking for charm, peace and tranquillity then don’t delay & call today.Call PIXIE 073 353 0881 • Web Ref: 445327

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UNBELIEVABLE VALUE... 4/5 BEDROOM FAMILY HOME ++ SEPARATE 2 BED COTTAGE Seeing in believing..... this is a large family winner!! MAIN HOUSE has 4/5 bedrooms, 2 bathrooms, 2 lounges, separate dining room, large gourmet kitchen, 2 covered entertainment patios overlooking level established garden with pool. Double garage & tandem carport. COTTAGE has large open plan lounge/granite kitchen, 2 bedrooms and 1 bathroom. Single auto garage & carport. Call AMANDA 079 528 0942 ON SHOW SUN 2 - 4:30PM

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PERFECT STARTER - HANSEL & GRETEL STYLE COTTAGE Be the first to view this charming home on a level ½ acre. Set well back with room to build the home of your dreams later. Original thatch has been covered with tiles, but still retains lovely thatch character inside. 2 Beds with BIC’s, FULL bathroom, granite kitchen and a cosy fireplace in the living area. Upstairs is a spacious 3rd bedroom/ lounge/office. Freshly painted. Follow boards from Watercrest Mall to Crestholme Drive. To view, call ANN 072 425 9411 • Web: 100872177

SOLE MANDATE

GILLITTS R1 895 000

COMPLETELY RENOVATED - ALL BRAND-NEW FINISHES!! Stunning in pastel grey & white - 3 beds, 3 baths, gorgeous Caesar-stone kitchen, large open plan living area & a double auto garage. End unit with corner garden & views. Medium dog, no cats. Close to new Checkers. Move in now! Follow boards from new Gillitts Checkers to Regent Park. Call DEBBIE 082 903 2024 • Web: 108971396

VIEW BY APPOINTMENT

SOLE MANDATE

HILLCREST R1 895 000

2 BED GARDEN APARTMENT IN GORGEOUS, SECURE RETIREMENT ESTATE Retire in style! Beautiful & modern with loads of extras - this garden unit has 2 bedrooms (BIC’s & c/fans), bathroom with shower, dbl vanity, heated towel rails, & toilet, plus a separate 2nd toilet. The kitchen has Caesar-stone tops with plumbing for dishwasher. Spacious living area, with extra sun-lounge leading to the garden on 2 sides. 2 Carports + a lock-up storeroom. Clear-view burglar strips on all windows. Superb Clubhouse, heated pool, library, clinic sister & hairdresser. Fibre & DSTV connections. Small pet OK. Call DEBBIE 082 903 2024


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AUCTIONS There is a commonly held belief that property auctions are a good place to pick up a bargain because auctioneers often handle sales in execution / property reposessions / liquidations. Our dedicated auction section allows auctioneers to showcase their properties to buyers looking for these bargains. THE AUCTION SECTION OF THE PORTAL OFFERS: • Advice to buyers • Auction news • Recommended auctioneers to deal with • Diary of upcoming auctions Contact LEIGH to get your listings visible 074 991 3373 or leigh@property360.co.za

www.property360.co.za

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ADVERTISING PLATFORM We provide a complete advertising solution to reach subscribed property buyers Access the following advertising platforms under one account: • Property Portal Online Listings • Banner Slots • Featured Agent Slots • Digital Magazine • Newspapers • Cape Community Newspapers • Brand Editorial Content • Social Media Reach • Weekly Newsletter

We also do HOME LOANS A mortgage origination solution to assist your buyers, so send your clients our way and you can advertise your listings on our portal for… FREE Best interest rates from all major banks and speedy approvals Contact us to package the right deal for you help@property360.co.za


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Profile for ANAPublishing

Property360 - National Digital Magazine - 26 March 2021