THE BULLETIN MANNINGHAM EDITION 2, 2018
A message from Executive Chairman, Rob Fletcher We saw a tightening of supply across the cooler Winter months and in many cases, buyers have been constrained on what they can spend due to the widening clampdown on mortgage lending. However, low interest rates, strong employment growth and strong population growth continue to be a positive foundation for the housing market. AMP chief economist, Shane Oliver, believes that some parts of the Melbourne market may hold up better than others going into 2019. Melbourneâ€™s outer perimeter, for example, continues to grow. The REIV reports that the median prices for both houses and units have risen over 10.5 per cent from a year ago. REIV President, Richard Simpson notes that, â€œauctions continue to be popular all over Melbourne, but clearance rates have fallen from the lofty highs of early 2017. Negative chatter about the future of the sector coupled with stronger lending controls by financial institutions has created some uncertainty and vendors need to be realistic with their price expectationsâ€?. This is an important reminder, particularly as we should see an increase in stock levels as we move further into the peak Spring selling season. Our team would be thrilled to provide a complimentary appraisal of your home or simply have a chat about the market. We look forward to being of service to you soon!
Rob Fletcher firstname.lastname@example.org 0411 222 988 | 9836 2222
In this Edition
Sell your home faster this Spring!
Some of our favourite local spaces
Doncaster East Profile
Doncaster East is located 18 km east of the CBD. Doncaster East is a large residential suburb in Melbourneâ€™s outer east. It has been one of the major areas of new residential development in the eastern suburbs over the last twenty years. It has a significant ethnic Chinese population most notably those born in Hong Kong. Doncaster East also features the Devon Plaza Shopping Centre and the Doncaster Rieschiecks and Zerbes Reserves.
Dwelling Types Semi Detached 23%
Flat/Unit 8.8% House 68.2%
Source: members.propertydata.com.au 28/8/17-28/8/18 and reiv.com.au June 2018 Quarter
Rent vs Own Rent Private 17.7% Rent Government 0.5% Purchasing 33.6% Other 0.9%
Median Sale Price
Median Sale Price
Sell your home faster this Spring! Known as one of the best times of year to sell your home, Spring is always a busy period for the real estate industry. The weather is warmer, our mood is brighter and a flurry of properties hit the market. If you’re planning to take advantage of the Spring selling season, it’s essential to give your home the best possible chance of attracting new owners. Here’s how. 1. Think like a buyer! Put yourself in the shoes of a potential buyer and look at your home through their eyes. Try and think about the tastes and requirements of the type of person who might buy your home – are they likely to be a family, professional couple or investor? Consider whether the layout, décor and styling of your home is appealing to your target market. 2. Paint & Flooring It’s a great idea to give your property a fresh coat of neutral paint colour, to ensure your home appeals to the largest possible audience. Many potential buyers want to see a blank canvas when they’re house hunting, where they can inject their own personality. It’s important to also repair any nail holes or other damage before starting your paint project and don’t forget the ceilings and trim! If you have carpet that looks tired and threadbare, it’s a good idea to have them replaced, if your budget permits. At the very least, professional carpet cleaning with treatment for stains can make a huge difference in brightening up a room. Tiles and floorboards should be thoroughly swept and mopped, and any hardwood floors that are scratched or have lost their sheen should be refinished or replaced as required. 3. Declutter! It can be one of the most difficult aspects of preparing your home for sale, but one of the most important. Any items you don’t regularly use, are broken, damaged or simply take up too much space, need to be cleared out, donated to charity or temporarily stored elsewhere. You need to be able to show off your home’s features and create a spacious feel. In addition, this will help you when it’s time to move as well! 4. De-Personalise Over the years you will have spent time creating a home that suits your own style, filling it with memories. When it comes time to preparing for your next chapter, it’s important to spend the time to eliminate personal effects so that your home becomes a place where potential buyers can envision themselves living. In particular, replace personal photographs with some generic, tasteful artwork. 5. Let there be light! Good lighting is important as it can make your home feel more spacious and enhance its features. It may be worth investing in some brighter lightbulbs for maximum impact – just not so bright that they appear clinical! Of course, ensure that natural light can stream through the home by opening up curtains and blinds when it comes to open day.
6. Add fresh scents Use beautiful scented candles and diffusers throughout the home, particularly in the living area, master bedroom and master bathroom. Simple, fresh scents are ideal, such as orange, lemon, pine, basil, vanilla and cinnamon. 7. Home Styling Engaging a professional property stylist can ensure that your home achieves the right first impression with potential buyers. They can view the spaces in your home objectively, and style it so that it can appeal to a wider demographic. They donâ€™t have your emotional attachment to the property, yet theyâ€™re able to make it feel like a potential home for a broad range of buyers. The ability to draw that emotional response from a potential buyer makes engaging a home stylist a worthwhile investment, to ensure you get the maximum sale price.
The advantages of home styling!
After Image: Grace & Co. Property Styling
Detonate or Renovate and Depreciate The renovation strategy is not a new one for property investors. There are many high-profile renovation gurus’ in Australia and a plethora of renovation shows. Many of those shows have come under fire for their end numbers and the effectiveness of the overall spend when it comes to market valuations and rental appraisals. There’s certainly a risk of overcapitalisation, as well as hidden problems that materialise during an inspection such as plumbing and electrical problems. However, a renovation can be a fantastic way to increase cashflow through rental appreciation and equity via an increased market valuation. On top of this, renovation expenses are almost all depreciable and with the changes to plant and equipment deductions, it’s one key way to ensure you’re able to claim your division 40 deductions. Let’s look at a real case study. The renovation was completed by specialist Melbourne based renovation company Property Revive Group, run by Felicity Maxwell. Property Revive has been working with investors for many years to grow their investment returns through various renovation strategies. Property No. 1 – Hawthorn This property is a 2 bed 1st floor apartment within a complex built in the 1960s. It was achieving $390 per week rental, but commonly suffered vacancies. It was purchased for $520,000 by an investor through a super fund. The renovation works over a two-and-a-half-month period consisted of: Phase 1: 3 weeks • Full internal repaint • New flooring – carpet and vinyl • Bathroom makeover – vanity, tapware, tile spray, screen and flooring
Andrew Paterson Director Property Management 9831 3416 | email@example.com
• Installation of 3kw split system • New light fittings • New door handles and cupboard knobs Phase 2: 3 weeks • Complete new kitchen – at the end of first lease The total spend on the entire project over the two stages was $34,023.
As a direct result of the works, the property achieved a market valuation of $620,000 and was rented immediately for $450 per week. This equates to a net equity increase of $58,000 from the six week project. Lost rent over those 4 weeks of $1,560 needs to be factored in but those costs are insignificant given the equity uplift. Equity aside, the extra rent comes to an extra $3,120 per year. For rental increases alone, we’re talking a payback period of over 13 years, not including vacancies which were a problem. However, it’s the combination of cashflow and equity that makes the process attractive.
Patricia Grados Department Head 9955 4926 | firstname.lastname@example.org
In terms of depreciation, a fairly significant portion of the improvements were plant and equipment items, which helps to attract higher rates of depreciation. The plant value was $12,986, leaving $21,037 of division 43 capital works. Within the first full year, the depreciation claimable on this renovation was $4,039. So, depending on the marginal rate, we’d be looking at around $1,200 back in the pocket within the first year and over $3,000 within the first 5 years. More and more investors a looking to renovations like this to increase their cashflow and equity. Releasing equity in your investment has been hard in recent times with the APRA changes, but if you’re not flipping and electing to hold your properties long term, it’s the end sales values that matter most to you after all. Source: apimagazine.com.au
Contact our leading property management team today.
Adrian Lieschke Business Development Manager 0402 714 025 | email@example.com
A low-maintenance Spring garden As the weather gets warmer and we start spending more time outdoors, many of us are turning our attention to gardens and yards that may have been a little neglected over the cold Winter months. Sometimes it can be hard to know where to start and just thinking of the effort required to get to the point of being able to enjoy the garden can be daunting. Have no fear! Getting your garden in top shape can be quick and easy, setting you up for a low-maintenance but beautiful garden throughout Spring and into Summer. Here are a few simple ways for you to ensure your garden is looking great this Spring: • A small initial outlay of time and effort mulching your garden beds will pay off in the coming months and perform a double duty. Not only does it keep everything looking neat and tidy, mulch also discourages weeds from growing around your plants. • A healthy lawn is always easier to maintain than an unhealthy one so make sure to give your grass a good dose of lawn food before the weather gets too hot. A lush lawn has less room for weeds to get a foothold, which means less work for you. • Hebes are great shrubs to plant in a low-maintenance garden. They’re super tough, require very little care and look great planted together in groups. This family of plants is available in a huge variety of colours so you’ll almost certainly be able to find one that suits you and your garden. • Another great option is to make use of native shrubs, bushes and grasses. Local species have adapted to survive in our climate and many require very little attention once established. • If you can’t resist a bit of botanical drama, try concentrating on one or two garden show-stoppers. Nothing says Spring like blossom trees and many varieties such as flowering or weeping cherries, crab apples, and flowering plums require very little upkeep once planted. They also have the added benefit of putting on a gorgeous display of pink or white blossoms for you to enjoy year after year. Whether you’re selling your home or not, Spring is the perfect time to get outside and enjoy the garden. These tips will help ensure that you are able to spend even more of that time sitting back and relaxing. If you are selling your home, an established and easy to care for garden is one less thing for you to worry about and a great selling point for potential buyers.
Georgia van der Horst Acorn Nursery
Knowledge | Finance news Over the last month we have seen plenty of media attention surrounding the Royal Commission’s investigation into Banking and Financial Services. We felt it would be helpful to you for us to provide you with our preliminary thoughts. Firstly, Shore Financial strongly commend the work of the Royal Commission and how they have highlighted many instances whereby the poor culture of large institutional financial services businesses has led them to prioritise profits over consumer outcomes. This has been demonstrated by: • Clients being charged fees for services that were not provided; • A priority for product sales outcomes over advice outcomes; • Lack of professional accountability for mistakes; • Lack of consequences applied to offenders; • Misleading the corporate regulator; Advice being delivered that did not meet what should be considered the very minimum standard of all Financial Advice – being the client’s best interests. More disappointingly, when these instances were discovered, little or no action was taken to rectify the situation. This behaviour has only served to undermine confidence in the Financial Advice industry, particularly when it has come from some of our largest and most well-known Financial institutions. One of the reasons we have elected to license our business under a licensee such as Fortnum Private Wealth is to be part of a business that: • Does not generate its profits from selling products; • Focuses on client outcomes; and • Focuses on assisting its’ Financial Advisers in providing advice that is in the client’s best interest. Shore Financial is focused solely on these outcomes for you. As calls for change on the governance and regulation of the industry grow louder, we expect that the landscape in the Financial Services sector will change dramatically as a result. Most notably, we foresee a greater separation in Financial institutions having the ability to both own investment products (i.e. such as managed funds) and provide advice related to these products (or ownership of advice businesses). This change will see more of the industry and our peers moving to a model that we operate under today. The separation of advice and product. In addition, client’s will be more diligent in selecting their Financial Adviser, and seek out advisers who uphold the following standards: • Only providing Financial Advice that is in the client’s best interest. Furthermore, ensure that any advice provided considers your wider financial position and overall goals (not focused to a single area of advice such as the assets you own). • Greater accountability and transparency on: • Conflicts – ensuring any potential conflict or issue that may arise to become a conflict is thoroughly disclosed to you. • Fees – providing complete transparency on our service proposition and fees you are charged for those services. • A commitment to professional conduct and accountability.
The benefits of debt consolidation Debt consolidation is the process of combining multiple debts into a single loan. There are many reasons why you should consolidate debt, including: 1. Reduced Fees Say goodbye to multiple account fees and charges. Consolidating your debt means you have only one account to keep track of, one annual fee to pay and one repayment date you need to worry about. By having one repayment you are more likely to remember the terms of the account as well as remember to make that repayment once a month, therefore avoiding late payment fees. By negotiating your terms when consolidating, you may also be eligible for a reduced interest rate. When the time comes for consolidating debt, your financial situation may have changed, making you a more attractive candidate for a good interest rate. 2. Simplified Tracking Debt consolidation involves taking out a new loan to pay off all current loans, reducing the number of repayments, owing balances and conditions you need to keep track of. Keeping track of these details may affect your ability to budget and plan, and can also be incredibly stressful. 3. Improved Credit Rating If youâ€™re not one to keep on top of repayments, consolidating your debt may help to increase your credit score. Late payments and defaults significantly affect your score, so by transferring all debt to a single account, you are more likely to make the repayment on time. Over time, making timely repayments will help to rebuild your credit record.
Brought to you by
1300 416 700 firstname.lastname@example.org shorefinancial.com.au
TEMPLESTOWE Noorilim Close
Sold for $1,496,000 3
We’re all about Results
TEMPLESTOWE O’Briens Lane Sold, undisclosed
BULLEEN Carrathool Street Sold, undisclosed
DONCASTER Eden Court Sold, undisclosed
DONCASTER EAST Russell Crescent Sold for $845,000
BULLEEN Templestowe Road Sold for $332,500
DONCASTER Fromhold Drive Sold, undisclosed
DONCASTER EAST Newlands Crescent Sold for $1,270,000
DONCASTER Fromhold Drive Sold for $1,730,000
TEMPLESTOWE LOWER Totara Court Sold, undisclosed
TEMPLESTOWE LOWER Lowan Avenue Sold, undisclosed
DONCASTER Elgar Road Sold for $870,000
DONCASTER EAST Serpells Road Sold for $1,140,000
TEMPLESTOWE Niland Rise Sold for $1,225,000
TEMPLESTOWE Pecan Court Sold, undisclosed
DONCASTER EAST Long Valley Way Sold for $1,198,000
DONVALE Hamal Street Sold for $945,000
DONCASTER Sovereign Point Court Sold for $835,000
DONCASTER EAST Doncaster Road Sold for $345,000
TEMPLESTOWE LOWER Mincha Avenue Sold for $1,010,000
DONCASTER Berkeley Street Sold for $565,000
TEMPLESTOWE Athenry Terrace Sold, undisclosed
DONCASTER Grange Park Avenue Sold for $1,300,000
BULLEEN Albany Place Sold for $1,500,000
TEMPLESTOWE LOWER Rosa Street Sold, undisclosed
DONCASTER Fromhold Drive Sold, undisclosed
DONCASTER EAST Whittenoom Street Sold for $1,197,500
TEMPLESTOWE Caminole Wynd Sold, undisclosed
DONVALE Pine Ridge Sold for $1,665,000
PARK ORCHARDS Iolanthe Close Sold, undisclosed
TEMPLESTOWE LOWER Sunrise Crescent
Sold for $1,150,000
Community Some of our favourite spaces Bimbadeen Reserve Bimbadeen Reserve is a 2.6 hectare semi-developed reserve located opposite Finns Reserve. It contains a significant valley of Red Gums, mildly undulating, falling away steeply to Templestowe Road and provides views across Finns Reserve to the River. Although situated opposite the Yarra Valley Metropolitan Park, the reserve serves a local function for the surrounding residents and is more accessible than the larger Parks Victoria parks. It is naturally a very attractive reserve and conducive to walking, picnicking and other informal activities. ________________________________________
Bulleen Park Bulleen Park is a significant area next to the Yarra River providing a combination of sport and recreation opportunities and high quality bushland reserve. Active sport activities include football, soccer, cricket, archery and aeromodellers. Other recreation opportunities include a range of challenging play opportunities for all ages, walking trails, picnic and barbecue facilities and the Bolin Bolin Cultural Heritage Precinct. ________________________________________
Colman Park provides important sporting facilities for tennis, football, cricket and horse riding in a bushland setting with informal recreation opportunities and significant vegetation. Nestled in a bushland setting, play opportunities include a swing and climbing frame, gliding and sliding opportunities. This is a perfect setting to enjoy a picnic. ________________________________________
Park Orchards Reserve Park Orchards Reserve is 1.6 hectares and provides a range of community and sporting facilities, including a one court indoor stadium, community house, tennis courts and a playspace installed in 2010.
The reserve is on Crown Land but managed by Manningham City Council as Committee of Management. The stadium is also located on Crown Land which forms part of Manninghamâ€™s open space network and there is a joint usage agreement between the Education Department and Council that enables both school and community usage. The reserve is well developed and a central hub to the Park Orchards residential community in close proximity to the local Maternal and Child Health Centre, pre-school, primary school and local shopping centre. Given its high level of use, the reserve needs to remain accessible to local residents by foot, bicycle or bus.
Park Orchards Reserve
Ruffey Lake Park Loved by locals and visitors and flaunted as the park that ‘has it all’, Ruffey Lake Park is popular for social gatherings and family reunions. There are three picnic areas which have all the facilities to make your visit stress-free. The picnic shelters and barbecues are popular. They are available on a ‘first come, first serve’ basis, with sharing encouraged. ________________________________________
Ruffey Lake Park
Wittons Reserve is a large reserve (4.83ha) located along the Yarra River between areas of the Warrandyte State Park. It has already been identified as a major recreation activity node. It also is an important conservation area because of the remnant vegetation on the site and its wildlife corridor function. The Reserve and the State Park are popular for many outdoor activities including canoeing, swimming, bush walking and picnicking. There is also a small playspace consisting of a swing set only. The canoe launch provides a very popular canoeing/ kayaking day trip from Homestead Road to Wittons Reserve. The popular walk to Mt Lofty features spectacular views and the chance to see such wildlife as kangaroos and koalas. Wittons Reserve
Wonga Park Reserve Wonga Park Reserve is the hub of the local community and comprises 7.7 hectares of open space. The Reserve caters to sporting competition and recreation activities including cricket, netball, tennis, walking and jogging, BMX, playground, barbecues, picnics and connecting with nature. ________________________________________
100 Acres Reserve Wonga Park Reserve
The 100 Acres Reserve is 41 hectares and classified as a Conservation Reserve of Regional significance. The Reserve also provides a range of recreation opportunities in a natural bush setting including walking, jogging, dog walking, horse riding and nature appreciation.
100 Acres Reserve
Knowledge | Hormone Optimisation Yin and Yang, night and day, hot and cold...the natural world is all about balance and our bodies are no different. In the fitness world we must balance our training with recovery, our intensity with duration, our strength training with cardio and our energy expenditure with caloric consumption. Yet today even with our exponential increase in understanding just how the human body responds to various stimuli, for most of us living in this modern industrialised society we find ourselves out of balance, which is manifested in particular through our hormonal imbalances. The mass media rarely talk about the importance of having an optimal hormonal environment. Not only is it important for your physical and mental health, it’s critical for increased energy levels, productivity and a general zest for life. Even those who exercise regularly and follow a ‘healthy’ nutrition plan can often suffer from symptoms of hormonal imbalance such as fatigue, headaches, cravings, irritability or worse. You see when our hormones are out of balance, our metabolism, bodies and minds do not function as they should. At the end of the day we are our hormones, they are an essential piece of the ‘wellness’ puzzle that are often neglected yet vitally important for peak health. The good news is that balancing out your hormones is often quite easily achieved, with or without testing, through small lifestyle adjustments and building sustainable healthy habits. This is because the primary reasons for these imbalances are poor nutrition, lack of exercise, environmental toxicity, and excessive stress. It’s also worth noting that our hormones work together, so having one out of whack can result in a cascade of symptoms as one hormone deficiency affects the other. On the flip side, we also find that as one hormone comes back into balance the rest follow suit. There are three ‘master’ hormones that we are able to improve the function of through lifestyle modifications, these are adrenaline, leptin and insulin. We’ll start with adrenaline. Your adrenal glands produce several hormones that regulate important bodily processes including sex hormone production, stress response, hydration and mineral balance, your metabolism and much more. One essential factor in optimising hormones is your ability to deal with stress. People with a naturally high stress threshold also display an inherent predisposition for happiness. We all require stress to thrive, especially in those fight or flight situations, however, too much stress and its attendant hormone, cortisol, will destroy our sex hormones including pregnenalone, DHEA and testosterone resulting in fat storage (especially around the waist for men and hips and thighs for women) and general fatigue. Chronically elevated adrenaline, and hence excessive cortisol production, will result in adrenaline resistance and ultimately the epidemic condition of the decade that is adrenal fatigue. Not only does this make it almost impossible to build muscle and burn fat, it can also cause mass inflammation and suppress your immune system. You can combat adrenaline resistance by training effectively and recovering properly, quality sleep, meditation, eliminating stimulants such as coffee and energy drinks, and trying to reduce toxins by eating whole (preferably organic) foods and drinks. Even the simple art of learning to deep breathe through the belly can help detoxify the system and curb cortisol release. Leptin is our appetite control hormone. It’s primary role is to restore fat reserves when food is consumed along with determining how much energy the body needs and where it’s best utilised. It is essentially a biological mechanism designed to increase our chance of survival during times of famine (as opposed to the usual three hours between meals)! When you eat, leptin tells the brain that enough calories have been consumed and it’s time to stop hence avoiding nutrient spillover and fat storage. Like cortisol, balance is essential as too little food and leptin will signal for your thyroid hormone to decrease your metabolic rate (reducing your metabolism and the ability to burn fat), while too much food over a long period of time will result in ‘leptin resistance’ wherein satiety signals from
leptin never make it to the brain’s receptors resulting in the obesity cycle of consistent overeating and fat storage. Leptin resistance comes from overeating, so portion control and meal frequency are the key to control its output. Quality ‘clean’ foods, those that have been farmed, fished, gathered or plucked, should be the foundation of a good nutrition plan. I always encourage people to shop at the markets instead of the supermarket and stick to foods that need to be weighed as opposed to scanned with barcodes. These foods, organic vegetables in particular, are always much lower in caloric density than take away and processed options, full of essential micronutrients as well as fibre and protein for sateity. Insulin, the foundation of overall hormone optimisation, is the final and probably best understood piece in the hormonal puzzle. Insulin is our bodies ‘Uber’ service, shuttling nutrients to our bodies cells for storage. Without adequate insulin, our cells would literally starve and our bodies die (which is why a Type-1 diabetic needs to self administer insulin). On the other hand, too much insulin production (due to insulin resistance) leads to Type-2 diabetes and cellular degeneration. Excess insulin production resulting from dietary carbohydrates increases body fat, which in turn compromises sex hormone production and your metabolism. Insulin is anabolic in nature, meaning that any time there is insulin being released your body is storing nutrients (or ‘growing’), which is great when muscles are recovering and amino acids (proteins) are being shuttled into them, but not so good the majority of the time when free fatty acids (fats) are trying to find a new home to rest! When you have insulin resistance, you require a much higher insulin response to get calories into the liver and muscles while the rest is stored as fat. To ensure insulin levels stay within an optimal range it’s important to monitor your carbohydrate and in particular your sugar intake. You should also always try to take in protein (and to a lesser degree fats) when consuming carbohydrate as well as stick to low-glycemic, high fibre sources. A good rule of thumb is to fill your plate with two thirds non-starchy vegetables and a quality protein (fish, tofu, tempeh, chicken, red meat, eggs) for the other third. Like many things in life, the concept of bio-individuality says we are all unique and therefore there is no one-size-fits-all solution. You must create an optimal hormone balance that is right for you. And the best way to achieve this is to build sustainable healthy habits, start with daily exercise (preferably including strength training at least twice a week), then a healthy (and realistic) meal plan loaded with vegetables and organic proteins, then you need to look at your lifestyle, how you manage stress and the environmental toxins you’re absorbing, and finally any micronutrient deficiencies and the appropriate supplements, herbs or food sources to repair them.
Hamish Evans 0402 117 138 | email@example.com
Our Agents Sales Rob Fletcher
Balwyn North 61 Doncaster Road, Balwyn North | 9859 9561
Maroondah 1 Seymour Street, Ringwood | 9955 4988
Banyule 114 Lower Plenty Road, Rosanna | 9430 1133
Mooroolbark Suite 1, 14 Manchester Road, Mooroolbark | 8814 3688
Belgrave/Tecoma 1561 Burwood Highway, Tecoma | 9751 0299
Ocean Grove 3/80 The Terrace, Ocean Grove | 5255 1721
Bellarine 74 Hesse Street, Queenscliff | 5258 2833
Olinda 3/1606 Mt Dandenong Tourist Road, Olinda | 9751 0299
Blackburn 75A Railway Road, Blackburn | 8833 8888
Projects 94 Union Road, Surrey Hills | 9836 1132
Blairgowrie 2815 Point Nepean Road, Blairgowrie | 5984 2600
Projects CBD Shop 1/413 Elizabeth Street, Melbourne | 9326 8566
Canterbury 244 Canterbury Road, Canterbury | 9836 2222
Warrandyte 183-187 Yarra Street, Warrandyte | 9844 3085
Diamond Valley 951 Main Street, Eltham | 9430 1111
Waverley Suite 6, 710 High Street Road, Glen Waverley | 8523 8523
Glen Iris 1509 High Street, Glen Iris | 9885 3333
Wollongong Shop 2, 143-149 Corrimal Street, Wollongong | 02 4226 1074
Manningham Suite 5, 1012 Doncaster Road, Doncaster East | 9841 5788
Wyndham 114/22-30 Wallace Avenue, Point Cook | 9131 4000