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Viking Realty

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Property Sales & Property Management


How to refinance your home loan Review your mortgage

Tindall suggests reviewing a mortgage every three years to ensure it’s still appropriate. “If there’s an alternative, I seek a minimum benefit of $1000, possibly from lower interest rates or an incentive from the lender, to compensate for the costs of refinancing,” he says.

32 Brooks Parade, Belmont NSW 2280 Viking Realty is a family owned and operated business in the heart of Lake Macquarie. We have old fashioned values and pride ourselves on our communication, quality of marketing, ethics, integrity and results. We cater from luxury waterfront executive homes to land sales, commercial sales, developments, acreages and entry level properties. A large portion of our work is referral based which speaks volumes about our team. Viking Realty... Where ”Service Is King"

Working out if a new deal is better in the long run can be tricky. Most people with a mortgage understand that refinancing can save thousands, but knowing how to do it is another thing. John Tindall, of Accumulus Home Loans in Sydney, says the benefit of refinancing is simple – “more money in your pocket”. Now more than ever, big and small lenders are offering lower interest rates, better features and switching incentives, he says. Tindall saved one client $6000 a month and netted 250,000 frequent flyer points, enough for a trip to the US, just by refinancing and getting a better interest rate. To get independent advice about home refinance, go DIY or use a mortgage broker, Tindall says.

Refinancing a home loan

“You can do it yourself, by internet and branch-by-branch research, which is free, but time consuming. Or use a mortgage broker, who can easily compare dozens of lenders, usually free of charge to the borrower,” he says. Brokers get paid by the lender chosen, Tindall explains. “Just be aware that they don’t cover all lenders across Australia, such as building societies and credit unions.”

Louise Vico Managing Director/Agent

M: 0407 706 123

“I would start by looking at the annual cost of the loan, which would include the interest payable, plus fees. I would then keep an eye out for similar offers from other lenders and use these to ask the current lender if my loan was still competitive,” Tindall says.

Snap up a better deal

If you see a better deal advertised, act, he advises. “See if your bank can match it, particularly if the benefits of switching are less than $1000. When appropriate, I give my clients a free report comparing three different lenders side by side, including their own, as ammunition in challenging their current lender to do better,” he says. Don’t just look at the interest rate though, Tindall says. “A loan is not just interest rates, but a bundle of services of products that will appeal differently to different people. “Do you want a local branch? Are you happy with just ATMs and internet? Do you want an offset account, which can only be offered by lenders with a banking licence?” Consider all factors before switching, he says. Article source:

t: 02 4945 0335 | a: 32 Brooks Parade, Belmont NSW 2280 e:

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3 Off The Plan Incredible Opportunities

10 Eagles Nest Close Belmont North $1.7MIL - $1.85MIL 4




Prestige 2.6 Acre Retreat

Townhome 1: 4 bed, 2 bath, 1 car, 169.7m2 Townhome 2: 4 bed, 2 bath, 1 car, 163.9m2 Villa 3: 3 bed, 2 bath, 1 car, 129.4m2

$749,000 - $799,000 $740,000 - $790,000 $640,000 - $690,000

Boasting a fresh and unique design complemented by cool, crisp contemporary tones throughout, these light-filled and spacious homes are the latest innovation in stylish and affordable lakeside living. With an emphasis on quality and contemporary finishes, fixtures and fittings, each spacious home has been individually designed to enhance free flowing and open plan living spaces and a low-maintenance design. * Air-conditioned open plan living, dining and kitchen, with 600 x 600mm floor tiles. * Galley kitchen with 20mm Caesarstone Osprey benchtops, pantry, soft-close doors & drawers, stainless steel appliances - dishwasher, microwave, 900mm free-standing electric oven and gas cooktop, rangehood and glass splashback. * Raked ceilings with highlight glass, capturing the natural light.

Spacious and remarkably private, this picture perfect acreage has been crafted by a builder for a wonderful family lifestyle securing an exceptional 1.068ha position within Belmont North’s tightly held precinct. A charming and tranquil home set within a natural bushland lifestyle setting you are surrounded by an abundance of native flora and fauna with filtered views out to Redhead Bluff and the ocean. This unique offering will leave you captivated from the moment you enter the grounds and offers the perfect setting for executive and growing families seeking a private residence within close proximity to lifestyle amenities and experiences. Surrounded by other acreages and located within minutes to schools, bus stop, beaches, parks, shops, cafes, restaurants, Belmont CBD, and nearby access to the Highway straight to Newcastle CBD or Sydney, Charlestown Square Shopping, Lake Foreshore and so much more. This exceptional home is a must see.

Inspect: Wednesday, 8th November 4:45pm - 5:45pm & Saturday, 11th November 10:30am - 11:30am

t: 02 4945 0335 | a: 32 Brooks Parade, Belmont NSW 2280 | e:

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28 Crown Street Belmont $950,000 - $1,050,000 5




New Price - Exceptional Value with Lake & Ocean Views!

12 Village Bay Close Marks Point $1.15Mil - $1.25MIL 4+




North Facing Lakeside Entertainer

Boasting a spacious and versatile floorplan complemented by high ceilings and light-filled interiors, this fabulous home boasts spectacular lake & ocean views and offers a low-maintenance and family friendly lifestyle that will be enjoyed for many years to come. • Multiple living areas set over 2 levels • 5 good size bedrooms with ceiling fans and robes • Entertainers balcony overlooking the lake • Automatic gate, ample storage options including attic, NBN connected • Fully fenced yard with space for a tinny at the rear, off street parking and salt water inground pool.

Inspect: Saturday, 11th November 2:00pm - 2:45pm

Discreet and private from the exterior, this masterfully renovated home is so much more than meets the eye. With four bedrooms plus study, multiple living and generous entertaining areas, the property has been cleverly designed to maximise space and liveability, in a stylish, sophisticated and timeless setting within metres from the lake’s edge. Downstairs offers a tiled living area overlooking the rear deck and entertaining. Upstairs you will find the open plan kitchen living and dining - this expansive and welcoming room is a superb use of space and features beautiful blue gum timber floors and high ceilings overlooking the lake and entertainer’s balcony. One of the best entertaining areas available featuring large salt water pool, 7 seater chlorinated spa, built-in kitchen with bbq, fridges, industrial tapware, sand pit, fish pond and undercover clothes line. Enjoy holiday-style living day in and day out within a relaxed and tranquil locale.

Inspect: Saturday, 11th November 3:15pm - 3:45pm

t: 02 4945 0335 | a: 32 Brooks Parade, Belmont NSW 2280 | e:

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32 The Shores Way, Belmont $1.8MIL - $1.95MIL 5




Unrivalled Lilly Pilly Manor

Entering the tranquil and landscaped grounds of this unique French provincial styled residence, you will be in awe of the space, style and design that has gone into this exquisitely created masterpiece. From the high ceilings to the ornate cornices and ceiling rose embellishments complemented by light filled interiors, every aspect of this home has been carefully selected to enhance stylish, opulent and versatile living. Formal and informal living and dining options plus an additional rumpus upstairs. Backing onto Green Point reserve offers you the ultimate in privacy with no neighbours on 2 sides of your home. Embrace a new way of living where you can enjoy a peaceful and tranquil lifestyle within minutes to Green Point Reserve, waterfront, bike paths, kayaking, fishing, restaurants, cafes, schools, parks, beaches and so much more, this hidden secret won’t remain hidden for very long!

Inspect: Saturday, 11th November 1:00pm - 1:45pm

New Price

6A Matelot Place Belmont $455,000 - $485,000 3



Location, Layout & Lifestyle!

Idyllically suited to downsizers, retirees, first home buyers or investors, this single level villa offers open plan and low-maintenance living within a central and convenient location. * Combined living, dining and kitchen with tiled flooring * Living room with Daikin split system air conditioner & adjoining the rear entertaining area via glass sliding doors * 3 carpeted bedrooms all with built-in robes * Main bathroom with shower, bath and separate toilet * Rear covered and private entertaining area * Fully fenced and landscaped yard with clothesline Set within an extremely convenient location within walking distance to bus stop, Belmont Hospital and just minute away from Green Point Reserve, local schools, shops, parks, lake’s edge, cafes, and restaurants.

Inspect: Saturday, 11th November 12:00pm - 12:30pm

t: 02 4945 0335 | a: 32 Brooks Parade, Belmont NSW 2280 | e:

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29 Boyd Street Swansea $1.5MIL - $1.65MIL 5




Executive Waterfront Reserve Living!

11 Kerle Street Redhead $1.35MIL - $1.425MIL 5




Dual Street Access & Dual Occupancy – A Rare Find!

Designed with style and sophistication in mind and idyllically positioned on the lake’s edge, this spacious dual level home sits on a generous individual title of 1,222m2 block. * Multiple living areas spread over two levels including formal and informal living and dining options. * Kitchen at the rear of the home adjoining living and meals area 5 well-proportioned bedrooms or 4 + study. All bedrooms with built-in robes and ducted air conditioning with the substantial master retreat offering ceiling fan, dressing room, ensuite with spa bath and private balcony taking in stunning water views. Whilst outdoor living boasts a generous covered entertainment area, complete with salt-water pool, this home still clearly qualifies in the popular low maintenance category with the added convenience of a reserve at the rear of the home for an extended backyard in which you don’t need to maintain.

Inspection by Appointment Only

Perched at the top of Redhead Bluff in a quiet street, this one-of-a-kind brick residence presents an incredible opportunity not often seen. The options are only limited by your imagination. Offering a main residence plus a fully self-contained and council-approved granny flat with separate metres ready to go. Owner occupier could lease out the front home whilst using the back for their own holiday accommodation or vice versa or use one as a home office or if you have extended family or teenage/adult children it would provide excellent separation with the convenience of having their own entries. Set within a blue-ribbon and highly sought after pocket of Redhead, you can enjoy the relaxed beachside lifestyle and feel like you are living a holiday each and every day.

Inspection by Appointment Only

t: 02 4945 0335 | a: 32 Brooks Parade, Belmont NSW 2280 | e:

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13/78 Brighton Ave Toronto $490,000 - $530,000 3



North Facing Apartment with Fabulous Lake Views!

Boasting a spacious and versatile floorplan, this apartment will ideally suit investors, first home buyers or downsizers searching for a convenient lakeside lifestyle. • Centrally located kitchen adjacent to living area • Open plan living, dining and study area • 2 good size bedrooms, main with walk in robe & ensuite • Entertainers balcony taking in stunning lake views • Lock up garage plus carport Walk to the Lake’s edge, Toronto Library, shops, cafes, restaurants, Toronto Foreshore Playground, multiple parks, Toronto Amateur Sailing Club, Toronto Town Square and much more.

Inspection by Appointment Only


151 Marks Point Rd, Marks Point $1,750,000 4




Iconic ‘Selby Cottage’

A treasured family holding for the past 34 years, the opportunity now exists to secure one of Lake Macquarie’s most Iconic and incredibly unique residences. This character filled home is accompanied by a timelessly elegant 1900s cottage capturing magical uninterrupted 180 degree northerly lake views. The versatility of this entire package will offer buyers the opportunity to use as your own weekend getaway, family home, investment or continue to run Selby Cottage as the award winning and highly sought after accommodation venue that it is. Imagine a life where time is measured by the ebb and flow of the tide, where traffic consists of racing yachts under full sail and where a morning walk is taken through the garden path down to the water’s edge to simply relax and enjoy the peace and tranquillity. Inspection by Appointment Only.

t: 02 4945 0335 | a: 32 Brooks Parade, Belmont NSW 2280 | e:

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Selling in January? We will be. While most agents are on holidays, we will be here to take advantage of buyers who are also on holidays and are considering making a move. It’s simple. Give us a call to find out why January could be one of the best times of year to sell your home or investment property.


Louise Vico

Trust your home with Belmont’s most recommended Agent and Agency. See for yourself at

Managing Director/Agent

M: 0407 706 123 E: W:

Did you know? The average 4 year old child asks over 400 questions each day.

Starfish can regrow their arms. In fact, a single arm can regenerate a whole body.

If “The Simpsons” aged normally, Bart would now be older than Marge was in the first season.

Seahorses are monogamous life mates and travel in pairs, holding each other’s tails.

Heads up to all the Christmas Lovers! I know...I seems so early to even think about this but Christmas will be here before you know it (less than 8 weeks to be exact). With this in mind, this upcoming festive season we are offering FREE custom letters from Santa to the local kids in our community. Visit our website to find out how you can get one.

t: 02 4945 0335 | a: 32 Brooks Parade, Belmont NSW 2280 | e:

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LEASED $450/week

10 Corwen Close, Cardiff South




Spacious 3 Bedroom Home With Yard

Situated at the end of a cul-de-sac, this immaculately presented home will provide a convenient and family-friendly lifestyle boasting: * Ducted air conditioning * Low maintenance floating bamboo flooring * Open plan living and dining * Kitchen with dishwasher, ceramic cooktop, rangehood and appliance cupboard * 3 generous carpeted bedrooms, 2 with mirrored robes * 2 bathrooms – 1 with bath, shower and toilet and the other with a shower and toilet. * Adjoining the kitchen is access to a deck with leafy views

For Lease $700/week 7 Lucinda Ave, Killarney Vale



Lakeside Paradise

Feel like your on vacation every day...This fabulous two story home is located a stones throw from the lake. The property has a tropical feel with lush landscaped gardens containing an undercover spa and north facing balcony & deck. Three spacious bedrooms, the main with air conditioning and walk in robe the other two with built-in robes. Modern with an open plan living/dining/kitchen with gas cooktop and dishwasher. Downstairs features include the laundry, a study and additional bath/shower/toilet.

Looking for a second opinion for your rental or in search of a good property manager? Check out just a few points of what sets us apart from the rest. Direct mobile number to reach your Property Manager.

Talk to a real person when you need to and who will actually return your phone calls.

Low turnover of Property Managers.

There is nothing worse than having to re-explain your property and needs to a new Property Manager every few months. We take care of our staff and they in turn, take care of you. Simple.

A lot of tenants don’t work weekends which is why we do.

We understand the importance of weekend or after hours inspections to get you the best tenant possible. The material in this newsletter is not and should not be regarded as legal or financial advice. Users should seek their own legal, financial or real estate advice where appropriate. Every effort is made to ensure that the material is accurate and up to date. However, we do not guarantee or warrant the accuracy, completeness, or currency of the information provided.

T: 02 4945 0335 | F: 02 4945 9035 | E: A: 32 Brooks Parade, Belmont NSW 2280

Natalie Carthew Property Manager M: 0409 587 883

Viking Realty Weekly News  

Edition 42