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Finance with Joe Vancura Just add equity: improving your asset’s value When it comes to selling or refinancing your property, your aim is to enhance the value of your asset to its maximum. Improving your home in simple ways can help attract more interest from the market, allowing you to command a higher price or stronger valuation. The zones that benefit most from cosmetic renovation are the ‘wet areas’: a well-appointed, modern and clean kitchen is a drawcard when it comes to inspections, as are fresh bathrooms – with old, tatty bathrooms devaluing a residence substantially. Maximising natural light throughout the home and installing appropriate lighting can also improve the atmosphere of the property – with dark, dingy properties putting off buyers quickly. Knocking down non-weight bearing walls can often give a feel of spaciousness and abundance, too. Opt for large, open-plan living and dining spaces to attract the most interest. Ducted heating and cooling systems can also add value, allowing your property to compete against others with less attractive features. Making changes to your property can be costly, so be sure to weigh up the potential increase in equity, sale value or rental yield before beginning any project.

• Moving House • First Home Buyers • Debt Consolidation • Refinancing • Construction Loans

• Investment Properties / Investors • Difficult / NonConforming loans • Family Guarantee / Pledge Loans

Ask us about the

$1200 Owner Occupier

CASH BACK OFFER

AAA Mortgage Solutions Suite 5, 32-36 Metro Parade, Mawson Lakes SA 5095

8182 5555 admin@aaams.com.au www.aaams.com.au

SOLUTIONS For more handy tips please visit our website,

www.aaams.com.au Suite 5, 32-36 Metro Parade Mawson Lakes

Available for home loan refinances from OFI (other financial institutions) Requires new to bank lending under the ANZ Breakfree package of at least $300k for up to $1,200 switching cost reimbursement There must be a refinance portion to the application; for example $100,000 refinance plus $300,000 in new ANZ lending is acceptable i.e. meets $300k new to bank lending requirement Customer must meet eligibility in order to be offered the $1,200 payment Eligible loans must be submitted by 30 April 2016 and be drawn down by 31 July 2016 Can be used for existing ANZ mortgage customers refinancing an additional amount from an other financial institutions (total new Owner Occupied lending must be >$300k) Evidence of the costs incurred is not required to be provided This can include all lending options under the Breakfree package i.e. Fixed Rate, Standard Variable for owner occupiers The payment is for the customer relationship / group, not per product, i.e. $1,200 max. To avoid doubt, where a person receives the benefit of the Offer for an Eligible ANZ Loan held in that person's name (either alone or with others jointly, then any other loans held or opened in that person's name (either alone or with others jointly) will be ineligible for the Offer

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