Live Life Comfortably

Like nothing else on the market, the Osier Belle range is as luxurious as it is enduring. Exuding style and sophistication, it is created using the highest quality materials and construction, and is the only outdoor furniture designed specifically for the harsh Australian climate.

BULLE COLLECTION

Fabulously tactile and oozing a retro, funky style, the Bulle collection includes sofas, chaise lounges, armchairs and tables all customised to size. It’s specifi cally designed to endure the Australian climate, all year round, it also includes our cushion range.

BULLE SOFA -FROM: $4,925 // FRENCH POUF ROUND - FROM $720

Aurora

Air Conditioning Solutions

Did you know that servicing your air conditioning unit once a year can help it run more effi ciently and increase its lifespan?

Stay cool in Summer and warm this Winter.

We keep things simple. Friendly, informative advice and specialised services that are both reliable and aff ordable.

Call Easton 0447 851 095

TRANSFORM YOUR OUTDOOR LIVING SPACE

You can entertain spectacularly with Osier Belle’s beautiful extension table made from A6 Grade teak, seamlessly opening from 220cm x 110cm to an extensive 340cm x 110cm. That’s seating up to 14 guests!

EXTENSION DINING TABLE - FROM $10,560 // ARMLESS DINING CHAIR - FROM $970

MEDITATE IN STYLE

Escape the noise and spoil yourself with the stunning Osier Belle Meditation Pod. This gorgeous new piece can be customised to have feet or hang to suit your outdoor space. Available in a full range of wickers and fabrics to accompany your garden oasis.

MEDITATION POD - FROM $3,125

OSIER BELLE // 24 YOUNG STREET, NEUTRAL BAY

(02) 9949 9466 // www.osierbelle.com.au // INSTA: OSIERBELLE

Dining Glam

Made to any height, length and depth, the Osier Belle Bar Table with concrete top in either slate or white is a sophisticated alternative for outdoor entertaining.

DINING CONCRETE BAR TABLE - FROM $4,315 WICKER BAR STOOL - FROM $1,635

Made to any size. Blend a combination of materials for your outdoor living room with the cleansing tones of concrete and timber which pairs beautifully with the Osier Belle Dining Tub Chairs.

DINING CONCRETE ROUND TABLE FROM $3,570 (100CM) TUB DINING CHAIR - FROM $1,100

Trusted choice for legal services on the Northern Beaches

Quality legal advice on your doorstep

Wood Marshall Williams has been the trusted choice for legal services for more than 40 years on Sydney's Northern Beaches.

(02) 9938 2444

Meriton Lighthouse 888 Pittwater Rd, Dee Why NSW 2099 www.wmw.com.au

BANK VS BROKER.

What is the difference and the smart choice for your finance needs. Beaches COVERED. spoke to Sam Ayliffe from Astute Manly to get the lowdown on going straight to a bank vs using a local trusted Broker.

The lending landscape is a mine-fi eld, with policy so wide and varied, many consumers feel they can get the same deal, rate or lending limits, with every bank. This unfortunately couldn’t be further from the truth as we discovered.

Why choose a Mortgage Broker? Over 60% of home loans written in Australia are by Mortgage Brokers. They are fi nance professionals who are legally obligated to act in your best interests when suggesting a loan for you.

Many Mortgage Brokers do not charge upfront fees and are paid by the lender based on your loan size. The bank pays the broker, so they do not have to worry about their overheads and to give them a wider network of potential clients.

A Mortgage Broker can do all the leg work, ensure the needs and objectives of the client are met, and can put forward a loan that can reasonably be expected to be approved by the bank. A win-win for everyone involved.

With access to a wide range of lenders, you can also often ensure you have the most suitable product for your needs along with a competitive interest rate that can sometimes even be negotiated with the lender depending on the situation.

Most brokers can deliver you a comprehensive service including: • Many lenders to choose from, including out-of-the-box solutions. • They have experienced teams dedicated to sourcing the right loan. • Many brokers support local schools and communities, sponsoring your local sports teams. • Many can help fi nd and fi nance your cars and Commercial Vehicles. • Some brokers like Sam, also have access to insurance products for your home, car or business • Sam even has access to a Financial Adviser to assist with growing your wealth.

“They really do provide you with a full scope of services, from a wide variety or sources, and this is the difference between a good broker and a bank,” says Sam Ayliffe.

“It’s about more than a service. We specialise in a relationship across your whole range of needs. You may come fi rst to get a great home loan, but soon we are talking about how to position you in investments, vehicles, insurance and all other fi nancial matters.

“If you have a home loan over 2.5% variable, call me now! I will personally look after you. We have lenders with rebates, great deals on fi xed and variable rates. We want to help you save time and money - repaying your home sooner.”

Variable rates still remain low but for how long? Fixed interest rates are climbing and there are changes to product offerings across the lending landscape. With the historic lows, rates will inevitably move, so don’t sit on your hands and wait, challenge your broker today.

Variable ra rates are across t will ine challen

SAM AYLIFFE | 0414 976 865

sam.ayliffe@astute nancial.com.au

Disclaimer: Astute Financial Management Pty Ltd | ACN 093 587 010 | Australian Credit Licence 364253.

In the mood for Flooring

QUALITY TIMBER FLOORS

There is nothing not to love about a natural timber look, particularly one with the inherent elegance of Plantino Native Landmark Blackbutt. Available from our friends at Choices Flooring, this fl ooring product will provide an organic, natural and warm feel to any interior.

WARM WOOL

Serenity - Mayfair is incredibly soft, which is why the triexta fi bre carpet is often chosen for bedrooms. Indulge yourself with a touch of luxury every morning when you wake up and walk barefoot on this silky soft carpet. And, because it features permanent built-in stain resistance and exceptional durability, you can enjoy life’s special moments worry-free!

BLINDS AND SHUTTERS

Choices Flooring Balgowlah can make it easy to fi nd the right window coverings for you with their huge range of blinds and shutters. Plus they are designed with our Australian climate in mind so they’ll stand up to the sun and heat.

All these solutions are available from Choices Flooring in Balgowlah VISIT THEIR SHOWROOM AT 192 CONDAMINE ST, BALGOWLAH // (02) 9907 9077