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Viking Realty

Weekly News

Property Sales & Property Management

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Plan your rate rise buffer

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"

Australians insure their homes, cars and even their pets, just in case something goes awry, so it makes sense to also be prepared for when interest rates inevitably rise from their current record lows.

Pros and cons of fixing your mortgage rate:

John Tindall, a Choice Home Loans mortgage broker in Wattle Grove, Sydney, says many people have only experienced declining rates in the past 20 years, so few are prepared for the “extra bite out of their surplus income” when rates head north and repayments rise.

“Generally speaking, the longer you want to fix, the higher the interest rate could be too,” he adds. Tindall says speaking with a banker or broker to understand the options is important.

“A half a percent increase on a $600,000 loan will add $2100 a year to repayments. That could be a family holiday lost,” he says. Tindall explains how homeowners can plan a rate rise buffer. “There are a number of ways to insulate your family budget against a rate rise,” he says. “Putting spare cash into an offset account is a very good option, since it reduces your payable interest and gives you a ‘slush fund’ should you need to make additional payments.” “Fixing the interest rate when you think the time is right is another good option, because it gives you certainty over the term of the fixed period. It’s a trade-off between certainty and flexibility,” Tindall says.

Louise Vico Managing Director/Agent

M: 0407 706 123

Offset accounts are not generally available on fixed rate loans though.

“A third option is to make additional repayments, reducing the loan size and again paying less interest.” Tindall says most lenders already assess applicants on their ability to pay between 7-7.5% interest rates. “The logic is that if you can repay a loan at 7% plus when rates are at around 4%, then you should be able to adjust without too much stress,” he says. “Some people, however, spend all their surplus income on lifestyle and should a bite happen, their lifestyle spending may have to be tightened. “We provide our clients with a budgeting spreadsheet, so they can adjust to their mortgage in the early days and again should circumstances change,” Tindall says. Article source: https://www.realestate.com.au/advice

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

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New

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

3

7

697m2

Dual Street Access & Dual Occupancy – A Rare Find!

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

12 Village Bay Close Marks Point $1.35Mil - $1.45MIL 4+

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2

462m2

North Facing Lakeside Entertainer

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 close to parks, shops, schools, cafes, restaurants, Marks Point Marina, Marks Point Bowling Club, Belmont Golf Club, Swansea Channel and so much more.

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

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Inspection by Appointment

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.

Inspect: Saturday, 7th October between 11:15am - 11:45am

6A Matelot Place Belmont $480,000 - $515,000 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.

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

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Sold Inspection by Appointment

49 Scott Street, Carrington $735,000 - $785,000 3

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1

Modern Inner City Living Torrens Title Townhome

Upon entering this townhouse you will be pleasantly surprised at the impressive and open floorplan bathed in natural light and crisp, neutral colour schemes. * Central kitchen overlooking the dining and living area and out to the rear courtyard * Separate upstairs carpeted lounge * 3 bedrooms with robes and ceiling fans, main with walk-in robe, ensuite and balcony * 2 stylish bathrooms + separate powder room * Rear fully enclosed courtyard with rainwater tank and clothesline.

Inspection by Appointment

13/78 Brighton Ave Toronto $515,000 - $555,000 2

2

2

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.

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

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Sold

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

4

2

843m2

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.

nspect: Saturday, 7th October between 12:00pm - 12:30pm

28 Crown Street Belmont $1.1mil - $1.2mil 5

2

2

632m2

Unbelievable Family Offering with Stunning 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.

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

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Under Contract

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

3

4

1951m2

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, 7th October between 1:00pm - 2:00pm & Sunday, 8th October between 2:00pm - 3:00pm

27 Sanctuary Grove, Tingira Heights $1,680,000 5+

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3

1.37ha

Your very own piece of acreage paradise!

Very rarely are we able to present such a rare and stunningly unique home such as this warm and inviting family home set on 1.37ha of land. Set within a prestigious and tightly held enclave of Tingira Heights you could be fooled for thinking you have stumbled into your own country haven within the city limits. The free flowing and open floor plan flows seamlessly throughout complemented by warm timber, neutral tones and high raked ceilings to create a feeling of space, comfort and natural light. Multiple living areas will cater to the modern day family and allow for separate entertaining for everyone to enjoy. The expansive and modern gourmet kitchen has an array of stunning features. 5 good size bedrooms plus study. 3 bathrooms, 4 toilets.

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

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Considering selling?

There is a reason Louise has been voted the #1 most recommended Agent in Belmont! *

* According to ratemyagent.com.au

Phone Louise on 0407 706 123 to find out how we can achieve a great result for you! t: 02 4945 0335 | a: 32 Brooks Parade, Belmont NSW 2280 | e: enquiries@vikingrealty.com.au

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PROPERTY MANAGEMENT

For Lease $710/week 2/52 Allambee Pl, Valentine

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2

2

Life Doesn’t Get Any Better

Enjoy the thriving village location of “Old Valentine”, this home is primly located opposite Allambee Park. This double brick villa boasts an open plan design. Stylishly appointed throughout from the kitchen with granite bench tops, a spacious rumpus room downstairs opening onto a private courtyard and covered patio area and a superb front entertaining deck is your third spacious living area. Whilst the master bedroom has its own en-suite and walk in robe, the other two bedrooms are spacious and have easy access to the second bathroom. Other features include a double lock-up garage, split air conditioners and internal laundry.

LEASED $855/week

8 Corymbia Street, Croudace Bay

4

2

2

900m2

Majestic Executive with Private Tropical Paradise

This majestic, established executive home available on a long term lease, suitable for both family and professionals. With its multiple living areas and fabulous entertaining/pool area, low maintenance yard and gardens. Comprising 4 well proportioned bedrooms, the main with large en-suite. Also an additional bathroom, powder room and toilet. Built in robes and plenty of storage. Beautifully appointed Caesar stone kitchen opening out onto the back entertaining area, leading up to the saltwater pool and cabana. Your own private tropical paradise.

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 37

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