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Viking Realty

Weekly News

Property Sales & Property Management

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What does a mortgage broker do? on their lifestyle, or how it will impact if they get a loan tomorrow, versus what they’re paying in rent today.” Find you the best deal It stands to reason that a person who lives and breathes home loans every day should be able to secure a better deal or interest rate than someone who’s searching for the first time.

32 Brooks Parade, Belmont NSW 2280

“A customer should be able to come to a broker and get a lower rate than what they can get by walking into a branch,” Fisher says.

Viking Realty is a family owned and operated business in the heart of Lake Macquarie.

There are plenty of ways to obtain a home loan.

We have old fashioned values and pride ourselves on our communication, quality of marketing, ethics, integrity and results.

But what exactly does a mortgage broker do, and why would you consider using one?

That then gives you the ability to go out and bid on properties, knowing the lender has approved you to borrow a certain amount.

What is a mortgage broker and what do they do? Rather than you sifting through dozens of potential lenders, home loans and interest rates, it’s a broker’s job to crunch the numbers and provide you with the best options, based on your personal situation and finances.

They’re independent Most brokers will be at pains to stress that they’re independent, meaning they don’t favour any one lender, and will seek out the best possible deal or rate from the dozens of lenders with whom they’re accredited.

1st Street managing director Jeremy Fisher says the broker, first and foremost, works for you.

“Irrespective of whether they work for a franchise group or a smaller business, they’re independent from a particular lender,” Fisher says.

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"

You can walk into your nearest bank or lender, you can trawl through all the options online and apply for a loan without leaving your seat, or you can seek out a mortgage broker.

“What a mortgage broker typically does is put the customer hat on and looks at what is the most suitable lender or suitable product for the customer, based on their needs,” he says. “They’ll sit down with the customer and spend an hour understanding exactly what they want to do or achieve and what their plans are, and then obviously look to provide them with the most suitable lender or product, depending upon their circumstances.” Assess your borrowing power Fisher says a good broker will not only determine how much you’re able to borrow from various lenders, but also the maximum amount that you should borrow, in order to protect you if things change. “We sit with them, understand their situation, do analysis of all their expenses, their incomes, understand their plans, and then look and research around the various lenders that are suitable,” he says. “We make sure a client can afford it if rates go up to 7% or 8% and how that is going to impact

Louise Vico Managing Director/Agent

M: 0407 706 123

Get you pre-approval Should you tick off on one of the loan options put forward by a broker, they’ll do further legwork to get your loan pre-approved with that lender.

“As a general rule, all mortgage brokers are accredited with 20 to 40-plus lenders.” Who pays the broker? You may not realise that the vast majority of mortgage brokers aren’t paid by you, the customer. Instead, they’re paid a portion of the home loan amount by the lender once the loan is finalised. That means that if you elect not to proceed with the loan options they put in front of you, you won’t pay anything, and they won’t receive anything. It’s one of the ways you can generally be sure they’ll hunt the best deal down for you: they want you to be happy so you’ll proceed with the loan. “A broker gets paid the same, irrespective of whether a customer pays 4% or 10% (interest rate). So it’s in the broker’s best interest to get the customer the lowest rate, because there’s no enticement for a broker to get a higher rate and get paid more.” Article source: realestate.com.au

t: 02 4945 0335 | a: 32 Brooks Parade, Belmont NSW 2280 e: enquiries@vikingrealty.com.au

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New

3 Delta Close Eleebana 4

2+

2

371m2

Rare Offering – Brand New Home – Ready Now!

Dreaming of starting the New Year in a new home? Your dreams may just become a reality. This sparkling new home presents a wonderful opportunity to secure a very rarely offered and immaculately presented brand new home in the popular lakeside suburb of Eleebana. Boasting a fresh and unique design complemented by cool, crisp contemporary tones throughout, this light-filled and spacious home is the latest innovation in stylish and modern lakeside living. With an emphasis on quality and contemporary finishes, fixtures and fittings, this spacious home has been individually designed to enhance free flowing and open plan living spaces and a low-maintenance design. Set within an exceptional and tightly held location, walking distance to Eleebana Public School, boat ramp, bike paths, sporting fields and playground. Only minutes away from Warners Bay cafes & restaurants, Warners Bay High School and local shopping.

Inspect: Saturday, 25th November 10:30am - 11:15am

Coming soon...

Belmont 7

6

6

1356m2

North Facing Waterfront Luxury

This is a once in a lifetime opportunity to secure one of Belmont’s most prestigious properties on the tightly held and blue ribbon location with superb facilities and open plan design for sophisticated living. Architecturally designed by award winning EJE Architects and built by Craig Marriott Builders in 2010, this classically elegant Hamptons-style residence sits on a sprawling 1356m2 allotment with unrestricted panoramas over Lake Macquarie and Belmont Yacht Club. This breathtaking property provides more than enough space — inside and out — for relaxed living and entertaining. This unparalleled package provides a spacious 5 bedroom main residence plus the added convenience of a separate 2 bedroom fully self-contained guest house as well as separate 4 car garage. Expected in a home of this calibre, the list of additional features and inclusions are extensive and will need to be seen to be truly appreciated.

t: 02 4945 0335 | a: 32 Brooks Parade, Belmont NSW 2280 | e: enquiries@vikingrealty.com.au

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1-3/15 Tallawalla Rd Valentine

3 Off The Plan Incredible Opportunities

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

3

3

1.068ha

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: Saturday, 25th November 11:45am - 12:45pm

t: 02 4945 0335 | a: 32 Brooks Parade, Belmont NSW 2280 | e: enquiries@vikingrealty.com.au

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

3

2

462m2

North Facing Lakeside Entertainer

32 The Shores Way, Belmont $1.75MIL - $1.85MIL 5

3

4

1951m2

Unrivalled Lilly Pilly Manor

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, 25th November 1:15pm - 1:45pm

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!

Inspection by Appointment Only

t: 02 4945 0335 | a: 32 Brooks Parade, Belmont NSW 2280 | e: enquiries@vikingrealty.com.au

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

3

3

1222m2

Executive Waterfront Reserve Living!

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

New Price

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

1

1

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.

Inspection by Appointment Only

t: 02 4945 0335 | a: 32 Brooks Parade, Belmont NSW 2280 | e: enquiries@vikingrealty.com.au

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

2

2

North Facing Apartment with Fabulous Lake Views!

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

3

7

697m2

Dual Street Access & Dual Occupancy – A Rare Find!

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

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: enquiries@vikingrealty.com.au

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Under Contract

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

2

2

632m2

New Price - Exceptional Value with Lake & Ocean Views!

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.

Inspection by Appointment Only

Heads up to all the Christmas Lovers! 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. http://www.vikingrealty.com.au/santa-letters

t: 02 4945 0335 | a: 32 Brooks Parade, Belmont NSW 2280 | e: enquiries@vikingrealty.com.au

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PROPERTY MANAGEMENT

LEASED $450/week

10 Corwen Close, Cardiff South

3

2

1

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

Leased $675/week

7 Lucinda Ave, Killarney Vale

3

2

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: natalie@vikingrealty.com.au A: 32 Brooks Parade, Belmont NSW 2280

www.vikingrealty.com.au

Natalie Carthew Property Manager M: 0409 587 883

Viking Realty Weekly News  

Edition 44

Viking Realty Weekly News  

Edition 44

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