Real Estate 20122019

REAL ESTATE FRIDAY, DECEMBER 20, 2019

CBD living

Family haven

Charm galore

Pages 2 and 3

Page 9

Page 13

Where would your kids rather be?

NOW SELLING Stage 45 At the park Going fishing

www.kiallalakes.com

M 0438 579 993

Play with friends Bike riding

Walking to school

M 0448 573 820

2

Shepparton News Real Estate

Friday, December 20, 2019

AGENT’S CHOICE

CENTRAL CHARMER Original character and charm with high-end modern renovations in sought-after CBD location

This spacious and appealing weatherboard home in one of the most sought-after streets in Shepparton will not disappoint.

Renovated and extended about six years ago, the home has lost none of its original charm.

The north-facing living room, featuring polished floorboards and high ceilings, oozes character.

Stone benchtops, island bench, wall oven, gas cooktop and sleek modern styling create a kitchen that will please any cook.

The master bedroom has a spacious ensuite and walk-in robe, while the other two bedrooms are a good size and have built-in robes.

A separate lounge/formal room at the front of the home could be used

as a fourth bedroom if preferred.

The electrical wiring and plumbing were renewed during the renovation and ducted gas heating and evaporative cooling keep the house comfortable in all weather.

Neutral tonings and good quality carpets, drapes and blinds throughout mean the home is ready for new owners to move in and add their own personal touch.

The good-sized back yard is overlooked by a pleasant deck and includes a single-car garage and carport.

Keen gardeners have plenty of room to create a green oasis in the middle of the city, or there is plenty of room for children to play.

Conveniently situated within easy

reach of Notre Dame College, the new Greater Shepparton College, St Brendan’s and Bourchier St primary schools, this home would be ideal for a young family.

Goulburn Valley Health, the CBD and Deakin Reserve sporting facilities are all within good walking distance, too.

Julie Ryan, agent with Kevin Hicks Real Estate, describes the property as having original character and charm with high-end modern renovations, in the sought-after CBD Buyers looking for a property in the centre of Shepparton with space inside and out should definitely check out this home.

SHEPPARTON 61 Rea Street !3

"2

#1

PRICE: $470,000–$490,000 INSPECTION: By appointment AGENT: Kevin Hicks Real Estate PHONE: Julie Ryan 0428 222 611 or Terry Shiels 0448 573 820

Shepparton News Real Estate

“

3

The property has original character and charm with high-end modern renovations, in the sought-after CBD.

“

Friday, December 20, 2019

—"JULIE RYAN

4

Shepparton News Real Estate

Friday, December 20, 2019

Cardamone RE Cardamone RE Mooroopna

“Winner of Best Marketing & Advertising COGS Awards” EN AY OP URD T SA

“Listen to Real Estate Friday from 10am–Noon on Triple M” EN AY OP URD T SA

Brand New Home - Low Maintenance Living!

The Whole Package In John Gray Avenue!

16 Fletcher Avenue, Mooroopna

23 John Gray Avenue, Mooroopna

• This 8 month old Diverse-built home provides modern comforts combined with low maintenance living at its best!

• Stylish open plan kitchen with neutral colours & quality fittings, fixtures & appliances • Three bedrooms, each with BIRs, and study that could be used as a 4th bedroom if required • Entertain comfortably in the private undercover entertaining area, under roof line and complete with a ceiling fan and concrete base • Double garage w/remote roller door & internal access, alarm system, low-maintenance

landscaping, some synthetic grass & quality Colorbond fencing • If you’re looking for a modern home in town with all the hard work already done, look no further!

• Please call Brad Campbell today on 0416 291 112 to arrange a time to view!

$395,000-$415,000 3

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More photos at www.cardamonerealestate.com.au

OPEN Saturday 11.00-11.30am

SY EA ING LIV

• This spacious quality-built home has plenty to offer the growing family with an outstanding outdoor entertainment area • An open plan kitchen with quality appliances forms the heart of this home • Comprising four generous sized bedrooms with BIRs & master with a WIR and ensuite • Entertain comfortably w/a large pergola off the family room, a tiled inground pool & a fully enclosed, purpose built spa room • A good amount of shedding is available, vegie gardens, lawn space & a four car lock-up garage

• Perfectly positioned within walking distance to schools, shops and sporting ovals • To arrange an inspection, call Peter Cardamone on 0419 204 608 today

$410,000-$450,000 4

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More photos at www.cardamonerealestate.com.au

OPEN Saturday 10.00-10.45am

EN AY OP URD T SA

Attention Over 55’s ... Quality & Pet Friendly!

5 BR Home, 3 Bathrooms ... WOW Factor!

9/106 Elsie Jones Drive, Mooroopna

1 Clydesdale Crescent, Mooroopna

• Situated in the quiet & secure over 55’s community of Finborough Village

• Note: Lease to be signed with a fee of $100.00 per week applicable to the new owner

• This self-contained unit is the perfect way to retire and downsize

• To arrange an inspection please call Peter Cardamone on 0419 204 608 today

• Well equipped kitchen with gas cooktop, electric w/o, ample storage & breakfast bar • Comprising three bedrooms, with BIR’ to two • Bathroom with shower/bath, a separate laundry and split system for heating and cooling • Single carport and the compact low maintenance backyard is pet friendly!

112a McLennan Street, Mooroopna

$165,000-$175,000 3

1

1

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More photos at www.cardamonerealestate.com.au

INSPECT By appointment

• This large double storey family home with a huge amount of space is looking for a new owner • The kitchen has updated cabinetry, gas/electric cooking, DW & WIP • Master bedroom w/private balcony, R/C split system & a tastefully updated ensuite featuring a double vanity, spa bath/shower & toilet • Spacious home for the growing family & a fantastic balcony spans the length of the upstairs area • The lower level of the home can easily be converted into a separate living quarters

P: (03) 5825 4200

• Solar panels, carport, single lock up garage & a great sized secure backyard w/DBL gate access • This home is perfectly positioned for all your family needs! To arrange an inspection call Peter Cardamone on 0419 204 608 today

$330,000-$350,000 5

3

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More photos at www.cardamonerealestate.com.au

OPEN Saturday 11.00-11.30am

www.cardamonerealestate.com.au

M: Peter Cardamone 0419 204 608 | Brad Campbell 0416 291 112 | Ella Suveges 0404 418 424

Friday, December 20, 2019

Shepparton News Real Estate

5

Cardamone RE Cardamone RE Mooroopna

“Winner of Best Marketing & Advertising COGS Awards”

“Listen to Real Estate Friday from 10am–Noon on Triple M”

W NE TING LIS

W NE TING LIS

Quiet, Quality, Triple Garage ... Pool!

Iconic Waters Road Location ...

15 Dartmouth Court, Kialla

4 Waters Road, Shepparton

• Tucked away in a quiet Kialla Lakes court, this quality Davis Sanders built home presents immaculately inside and out • The kitchen is truly the heart of this home with expansive bench space, Miele stainless steel appliances, gas/electric cooking, dishwasher and walk-in pantry • Boasting four generous sized bedrooms with mirrored BIRs, PLUS a study with built-in desk and robes • A spacious meals area opens out to the alfresco with glass bi-fold doors

• Outdoor decking, inground pool, established gardens, fire pit, a large shed & solar panels!

• Fully fenced solar heated inground pool, immaculate gardens, plenty of lawn area for the kids to play and a long list of additional extras!

• Only on inspection can you appreciate all this home has to offer, please call Peter Cardamone on 0419 204 608 today

• From the elegant chandeliers to the original woodgrain kitchen, this brilliantly built Waters Road home really leaves an impression!

$530,000-$560,000

• Kitchen features original cabinetry with gas/elec cooking, DW & a beautiful view to the rear garden

$495,000

4

• Gorgeous polished hardwood floors, decorative cornices add character & style

3

2

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More photos at www.cardamonerealestate.com.au

INSPECT By appointment

• Comprising three generous sized bedrooms with BIRs, two spacious living areas & main bathroom with separate powder room

• Ducted floor heating and a RC split system for year round comfort

• This home is simply one of a kind! Please call Peter Cardamone on 0419 204 608 today to arrange an inspection

1

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More photos at www.cardamonerealestate.com.au

INSPECT By appointment

W NE TING LIS

EX PLAY DIS

Lovely First Home ... Or Downsizer

Ex-Display - The Boulevard - 3 BR + Study

86 Ross Street, Tatura

72 Canterbury Avenue, Shepparton

• This solid brick California bungalow-style home is located on a large 760sqm corner block and is ideal for a subdivision (STCA) • Walking distance to Hogan Street (main street) in Tatura, this home has much to offer • Comprising three bedrooms, updated bathroom and kitchen, large lounge room, sunroom and a good sized backyard • Abundant character & charm with decorative cornices, ceiling roses, high ceilings, large bay windows, original glass sliding doors and an inviting front verandah

112a McLennan Street, Mooroopna

• The backyard features side access with a single car shed, lovely gardens and established trees

• This 5yr old former display home (Diverse Builders) will be popular on the open market

• Close to the Shepparton Golf & Bowls Club & Goulburn River walking tracks

• To arrange an inspection please call Peter Cardamone on 0419 204 608 today

• Set on a large 740sqm residential block, this is a quality home with high-end fixtures & fittings

• Inspections will not disappoint, please contact Peter Cardamone on 0419 204 608 today

• Central, open-plan kitchen with quality appliances & bonus butlers pantry

$269,000-$279,000

• Main living/dining area with a cathedral ceiling creates a sense of space

$525,000-$545,000

3

• Ducted gas heating & evaporative cooling throughout

3

1

1

1

More photos at www.cardamonerealestate.com.au

INSPECT By appointment

• Secure rear yard with side access & an enormous entertaining area

P: (03) 5825 4200

2

2

2

More photos at www.cardamonerealestate.com.au

INSPECT By appointment

www.cardamonerealestate.com.au

M: Peter Cardamone 0419 204 608 | Brad Campbell 0416 291 112 | Ella Suveges 0404 418 424

6

Shepparton News Real Estate

Friday, December 20, 2019

Cardamone RE Cardamone RE Mooroopna

“Winner of Best Marketing & Advertising COGS Awards”

“Listen to Real Estate Friday from 10am–Noon on Triple M”

On behalf of Lindi & myself and our team at Cardamone Real Estate, we would like to thank our loyal clients throughout the Goulburn Valley for their business & continued support throughout the year in not only our growing Sales Department but also in our thriving Property Management Department.

Without you, this would not have been possible.

We would also like to offer our best wishes for a happy & safe festive season and look forward to assisting you in the New Year.

EN AY OP URD T SA

W NE TING LIS

Beautiful Family Home With Everything ...

One Of Shepparton’s Best Addresses ...

2 McMiken Court, Mooroopna

5 Nankervis Court, Shepparton

• Beautifully presented and well positioned in a sought after area of Mooroopna • Open plan living with sleek stylish kitchen with island bench, s/s appliances incl 900mm upright gas cooker, canopy rangehood & dishwasher • Three generous BRs with BIRs, master boasting room for a king bed, a WIR & a large ensuite • The 2nd living area at the front of the home is a comfortable space & provides a more formal feel • Tiled alfresco area, inground pool, 7x6m Colorbond shed with concrete, roller door, power, kitchenette & wood heater allow flexibility

112a McLennan Street, Mooroopna

• Side access, double lock-up garage, solar panels & an automated watering system complete the package of this home

• Situated in Shepparton’s north end, this impressive home is perfect for those seeking executive living

• Large double lock-up garage with internal access, concreted pergola with lighting & spacious backyard with established gardens and lush green grass

• This home is a must inspect! Call Brad Campbell today on 0416 291 112 today

• Located only a stones throw from GV Health, schools and shops

• To avoid disappointment, call Peter Cardamone on 0419 204 608 to arrange an inspection today

• Spacious kitchen with gas/elec cooking, DW, WIP, Billi water filter tap & abundance of bench space

$385,000-$399,000 3

2

2

• The formal lounge and dining rooms offer a grand feel w/decorative cornices & ceiling roses

2

More photos at www.cardamonerealestate.com.au

OPEN Saturday 10.15-10.45am

• Comprising three bedrooms with BIRs to each, master bedroom with WIR/ensuite & a study/4th bedroom/gym is available

P: (03) 5825 4200

$429,000 3

2

2

2

More photos at www.cardamonerealestate.com.au

INSPECT By appointment

www.cardamonerealestate.com.au

M: Peter Cardamone 0419 204 608 | Brad Campbell 0416 291 112 | Ella Suveges 0404 418 424

Friday, December 20, 2019

Shepparton News Real Estate

7

Cardamone RE Cardamone RE Mooroopna

“Winner of Best Marketing & Advertising COGS Awards”

“Listen to Real Estate Friday from 10am–Noon on Triple M”

25%

of the market

, a n p o o r o o M , n o t r a p p e h S s s o r c A . . . a r u t a T , a b m a l o Kialla, To

Real Estate Friday works on Triple M

...

r e ff o r e d n u # . .. e r e h w y Blue signs ever

In 2020... marketing do

es matter

CALL US in 2020 and find out why 1-in-4 vendors list their property with Peter, Brad and Ella from Cardamone Real Estate!

112a McLennan Street, Mooroopna

P: (03) 5825 4200

www.cardamonerealestate.com.au

M: Peter Cardamone 0419 204 608 | Brad Campbell 0416 291 112 | Ella Suveges 0404 418 424

8

Shepparton News Real Estate

Friday, December 20, 2019

Closing Monday 23rd Dec 5pm Re-opening Thursday 2nd Jan & Monday 6th Jan (Numurkah Office)

W

IN

www.gagliardiscott.com.au | 182 High St, Shepparton | 0358 31 1800

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$1000

s a m t s i r h C shopping spree or 1 of 10 annual digital subscriptions Subscribe to win at

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Friday, December 20, 2019

Shepparton News Real Estate

9

AGENT’S CHOICE

FOUR BEDROOMS, HUGE LIVING AREA AND A POOL A truly great family room, four bedrooms and a pool make this a great home for a growing family.

Situated in a popular area of Mooroopna, this attractive home features a recently refurbished kitchen with sleek modern styling, six-burner gas cooktop, wall oven, glass splashbacks, Miele dishwasher, walk-in pantry, plumbed-in fridge and lots of bench and cupboard space.

The family area is huge with lots of space for everyone to do their own thing.

His and hers walk-in robes, ensuite with with double vanity and sliding glass door access to the pergola make the master bedroom an ideal parents’ retreat.

Three more bedrooms are served

by the main bathroom.

Ducted gas heating and evaporative airconditioning keep the house at a comfortable temperature yearround, and a ducted vacuum system makes doing the cleaning a breeze.

Outside a superb undercover alfresco area has patio heaters and ceiling fans, creating a truly allweather outdoor living space.

To escape the summer heat the property has a magnificent solarheated Enviroswim pool.

The backyard also has a good area of grass and handy shed with concrete floor and power.

Other features of the home include a double garage with remote-

controlled door and direct access to the house, solar panels on the roof to help offset the power bills and a landscaped easy-care front garden.

Pell Crescent is convenient for local sporting facilities and just a few minutes’ drive — or a comfortable walk — from schools, supermarkets and Mooroopna’s main street.

A 10-minute drive will see you in the centre of Shepparton.

For anyone looking for a roomy four-bedroom home with a pool, this property is well worth an inspection.

MOOROOPNA 23 Pell Crescent !4

"2

#2

PRICE: $445,000–$465,000 INSPECT: By appointment AGENT: Youngs & Co Real Estate PHONE: Connie Young 0428 254 833

10

Shepparton News Real Estate

Friday, December 20, 2019

• RESIDENTIAL • RURAL • COMMERCIAL • LAND SALES •

KevinHicksRealEstate.com.au

FOR SALE Family home, perfect location KIALLA – 9 Urana Court

4

2

2

Well designed with formal lounge Elevated cubbyhouse with slide and • and • dining plus open plan kitchen/ decked area meals/living

bedrooms, 2 bathrooms plus • 4ducted gas heating and evaporative cooling

• Beautiful gardens and lawns • Spacious outdoor undercover area shed with concrete !oor and • Good power $438,000

CONTACT: • Chris Drum ............ 0400 213 223 • Julie Ryan ..............0428 222 611

INSPECT: By appointment

FOR SALE High End Living In City Centre SHEPPARTON – 1/28 Knight Street 3 bedroom townhouse, • Spacious very private and secure

Main bedroom with walk-in robe • and ensuite plan kitchen with walk-in • Open pantry

3

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double garage with tiled • Spacious !oor

walk to river precinct, library, • Short CBD restaurants

high ceilings and extra high • 10’doorways

• Very easy to maintain garden $620,000

INSPECT: By appointment

CONTACT: • Chris Drum ............ 0400 213 223 • Kevin Hicks ........... 0428 271 270

Friday, December 20, 2019 LATEST UPDATES:

Shepparton News Real Estate

KevinHicksRealEstate.com.au

SHEPPARTON • 228–232 WYNDHAM ST NUMURKAH • 1–3 MELVILLE ST

@kevinhicksrealestate

11

@kevinhicksrealestate

PH: 03 5821 8388 PH: 03 5862 2611

• RESIDENTIAL • RURAL • COMMERCIAL • LAND SALES •

FOR SALE Huge Return On Investment NATHALIA – 1-8/38-40 Kostadt Street renovated with upgrades Now fully occupied and showing • toRecently • all 8 units internally with fresh 9% return on investment

•

paint & carpets

6 x units are rented as studio apartments with combined open living & BR space, kitchen, bathroom & laundry with separate toilet

location, walking distance • toExcellent town centre All set on a huge block size of • 1890sqm

opportunity to • Units 1 & 8 have a separate bedroom • Aninvestoutstanding with future growth potential ahead Returning a gross annual income of • $57,200

$550,000

CONTACT: • Jason Hicks............ 0437 622 612

INSPECT: By appointment

Thank you to all our past and present clients.

We wish you all a Merry Christmas and look forward to working together in 2020

12

Shepparton News Real Estate

Friday, December 20, 2019

All the team at Youngs & Co wish you all a very Merry Christmas and a safe New Year!

Our office will be closed from 2.00pm on Tuesday, 24th December and will re-open at 8.30am on Thursday, 2nd January, 2020

PROFESSIONAL OFFICE SPACE - 115m2 + 2 CAR PARKS

A GREAT RETIREE OR INVESTMENT PACKAGE

SHEPPARTON 4 WELSFORD STREET

MOOROOPNA 1/5-7 CHARLES STREET

Large open area flooded with plenty of natural light from north facing windows.

Part of the ground floor the premises feature your own private separate access leading in from landscaped gardens, tasteful dĂŠcor, kitchenette facilities, 3 toilets (including disable compliant), fully air conditioned and private rear access to 2 car parks.

FOR LEASE $23,000 pa + GST & Council Rates CONTACT: Glenn Young 0438 579 993

This standalone townhouse has been well designed and offers a great floorplan. Spacious open plan living areas featuring great natural light. Three good size bedrooms each with built-in robes. Modern well equipped kitchen with pantry, dishwasher and gas hotplates, and great cupboard space. Double garage with entry into the home, good for safety or bringing in the groceries and also with a rear roller door on garage allows access to the backyard. Currently leased for $290.00 per week. The unit design is ideal for both an investor or for someone retiring.

FOR SALE $258,000 CONTACT: Connie Young 0428 254 833

Friday, December 20, 2019

Shepparton News Real Estate

13

AGENT’S CHOICE

GREAT POSITION AND LOTS OF CHARACTER Built when home building was an art form

This beautifully crafted 1930s home, situated in the sought-after streets of central Shepparton, has so much to offer — from its appealing character through to its convenient position.

This home is an exceptional piece of real estate.

Timber panelling, polished timber floors, exposed brickwork and decorative plasterwork all show the house’s character and quality.

As the heart of the home, the kitchen has been positioned to overlook the living/meals area, which has been fitted with a split-system airconditioner.

The original chimney has been

used to house the wall oven and stove top and combines with sleek modern cabinetry, an island bench, double sink, dishwasher and plenty of storage space.

The living area includes a cosy fireplace for those cold winter nights, and leadlight windows add to the period charm.

The home has three bedrooms, all of which have all been fitted with split-system airconditioners for extra comfort.

Further features of the home include a single bathroom, two toilets, and a gas wall furnace.

The neatly maintained backyard has plenty of lawn for games or relaxing

and has an around 6#m#x#4#m shed.

Goulburn Valley Health and the CBD are just a few minutes’ drive away — or a good walk to help you gear up for, or wind down from, the working day.

For the keen sportsperson Deakin Reserve is just a couple of streets away.

Being only a leisurely walk to Notre Dame College, St Brendan’s Primary School, the new Greater Shepparton College and local shops, this property presents an exceptional opportunity to be situated in the heart of Shepparton, and to live in a warm and charismatic home.

SHEPPARTON 68 Clive Street !3

"1

#2

PRICE: $385,000–$405,000 INSPECT: By appointment AGENT: Stockdale & Leggo Real Estate PHONE: Scott Butler 0418 149 569 or Darren Butler 0438 466 843

14

Shepparton News Real Estate

Friday, December 20, 2019

www.rossignolirealestate.com

#sellwithus

Renee Grant 0429 313 758

Alan Rossignoli 0418 577 611

Properties are selling fast and for great prices ...

If you want the best price in the shortest amount of time, call today . . . Buyers are waiting!

Residential

I

Selling agents for:

Lifestyle

I

Rural

I

Commercial

I

Industrial

Alan and his team would like to thank you, our valued clients, for their continued patronage and look forward to serving you in “twenty-twenty!�

From our family to yours, we wish you a very Merry Christmas and happy New Year!

115 Wyndham Street, Shepparton

|

5821 1277

|

www.rossignolirealestate.com

Friday, December 20, 2019

Shepparton News Real Estate

15

Open homes and auctions SHEPPARTON Saturday, December 21 Noon-12.30pm

22 Kilpatrick Avenue

$345,000-$355,000

MOOROOPNA Saturday, December 21 Cardamone RE

10.00-10.45am 10.15-10.45am 11.00-11.30am

23 John Gray Avenue 2 McMiken Court 16 Fletcher Avenue

$410,000-$450,000 $385,000-$399,000 $395,000-$415,000

Cardamone RE Cardamone RE Cardamone RE

11.00-11.30am

1 Clydesdale Court

$330,000-$350,000

Cardamone RE

Local Display Homes 1

2

3

Open Everyday 11.00am – 5.00pm

3 DISPLAYS IN TOTAL Hartley 333 Provincial Charlton 373 Boulevard Hastings 273 Vogue

Sanctuary Drive, Kialla Lakes Estate (enter via Goulburn Valley Highway) Jamie LeGuier 0425 238 333 James White 0439 005 699

67 Sanctuary Drive, Kialla Lakes Open 7 Days, Noon – 5.00pm

Sanctuary Drive, Kialla Lakes Open 7 days, 11.00am – 5.00pm; Phone 5823 7180

Phone 5831 2250

4

5

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Advertise your display home here Oxley 25, 51 Sanctuary Drive, Kialla Lakes Wakefield, 49 Sanctuary Drive, Kialla Lakes

Open 7 Days 1.00pm - 4.00pm Phone 5823 2179

Sugarloaf Avenue

Ranfurly Crescent

Connection to Wendouree Drive.

Future Connection to Archer Road.

Falcon Park

Mallacoota Drive

Sanctuary Drive 3

Mallacoota Drive

Gilmour Crescent

Pertobe Drive

e

S

ry

tua

c an

iv Dr

2

1

1

5

3

➞

Grassy Court

Wagtail Drive

Playground

1

Cormorant Boulevard

Malmsbury Crescent

4 Wagtail Drive

Seven Creeks Drive Egret Drive

Sanctuary Drive

➞

Seven Creeks Drive

5

Learmonth Avenue

Connection to Goulburn Valley Highway

ighway

Phone 5831 8808

Daylesford Road

Contact Shepparton News Real Estate team on 5820 3182

Daylesford Road Glenmaggie Avenue

Valley H

58 Cormorant Boulevard, Kialla

Goulburn

DISPLAY HOME COMING SOON

N *Not to scale

Osprey Street

N *Not to scale

Apostle Street

Sanctuary Drive

Make yourself at home.

With unprecedented home loan rates from GMCU.

2.50

%

2 Year Fixed Rate p.a.#

3.91

%

Comparison Rate p.a. *

Special offer available for eligible owner-occupied loans.

Contact Us (03) 5821 9033 info@gmcu.com.au

24/7 Card Hotline 1800 648 027 toll-free Australia wide +61 2 8299 9101 from overseas

Goulburn Murray Credit Union Cooperative Limited. ABN 87 087 651 509 AFSL / Australian Credit Licence Number 241364. Terms, conditions, fees, charges and eligibility criteria may apply. After the first 2 years the interest rate reverts to the Basic Variable Home Loan Rate. *Comparison rate based on a home loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges.

Different terms, fees and other loan amounts might result in a different comparison rate. #Offer available for eligible loans. Eligible loans include new owner-occupied home loans or increases to existing owner-occupied home loans of >$100,000 where the maximum loan-to-valuation ratio is less than 70%. Not available for construction.