BEACH ES
Crafting Residential Landscape Designs
Creating and Residential L andscape
Crafting Residential Landscape Designs
Creating and Residential L andscape
5. Spring Style Inspo
Maximise your Spring styling endeavours with our curated insights! We've gathered the top tips and trends of the season for you.
6. Upstate’s Property Concierge and their tips for Styling for Sale
Read up on the invaluable advice Upstate has in store for you, designed to breathe new life into your home before presenting it to the market.
8. Gardening Natural Paradises
Formed Gardens' ethos revolves around creating outdoor spaces that seamlessly blend with your living environment, a harmonious extension of your home. What are their secrets?
10. The Cover In Detail
Discover the meticulous approach Formed Gardens took to conceptualise and flawlessly bring to life the garden featured on the cover.
12. Paving Pathways and Crafting Aesthetics
Nathan Miller established Miller Stone & Co. with a wealth of experience and motivation to share his knowledge. Discover how he aids the local community in crafting environments.
14. New Director Lineup for Upstate
Embark on Upstate's thrilling new chapter, characterised by a transformative leadership transition that propels the company towards unprecedented heights.
16. Nurturing Nature
Welcome back our sweet and soulful Marina, ready to guide you in preparing your garden for a blossoming spring.
18. Elevating Luxury
Taking the hot seat is Paul Ferrari, the recently appointed Director of Projects, who sheds light on the exciting array of new projects and plans underway at Upstate.
24. What Does Your Kitchen Say About You?
Considering renovating your outdated kitchen? Luxe by Collaroy Kitchen emphasises the significance of skillful craftsmanship and uniqueness in kitchen design.
Gardens (02) 8036 8580 Insta: @formedgardens formedgardens.com.au
REJUVENATE YOUR LIVING SPACES WITH OUR TIPS AND IDEAS TO INFUSE VIBRANT SPRING STYLE INDOORS AND OUT.
MELITA BRUVELIS, FROM MAYVN INTERIORS, IS A LOVER OF RELAXED INTERIORS.
In her world of interior decorating, comfort and style effortlessly blend together. Inspired by the gentle elements of nature, the focus is on natural materials like rustic wood and breathable fabrics. Melita's colour palette features calming blues, soft greens, and warm neutrals. Texture plays a significant role in adding depth and inviting touch. Here, the motto is 'less is more,' prioritising wellbeing and providing a haven from the daily grind. Create a home filled with relaxation and timeless elegance. Get in touch with Melita today by visiting her website.
WWW.MAYVNINTERIORS.COM.AU
native bird
Wrens and to harvests
At Harvest Nursery in Terrey Hills, the star of Spring planting is the Hakea decurrens. This medium-sized shrub features an elegant weeping form and fragrant, multi-coloured pink blossoms. It's a favourite among native birds, such as Honeyeaters, Wrens and Thornbills. Plant it in your garden to create a bird-friendly haven! harvestseedsandnativeplants
We love Candle Kiosk Co's elegant Textured Candle Trio, crafted with care from hand-poured wax. These stunning pieces, available in Black or Sandstone, add a touch of elegance to any home. Whether for home styling, celebration or quiet reflection, this unscented trio is made from the finest wax and features a 100% natural cotton wick. candlekiosk
We love Textured from han a add ho c t f f co
Take a look at Miller Stone & Co's beautiful pool tiles and pavers. This design features Tundra grey Sandblasted Marble coping and surrounds, along with a stunning fully tiled pool using Jasper Mosaic Tiles. millerstone_co
Thinking about updating the façade of your home, popping in a new bathroom vanity or a maybe a new kitchen before sale? Upstate Property Concierge is a personalised service that coordinates everything for you. No job is too big or too small. Whether it’s simple paint touch ups or a full renovation, the team will work seamlessly to help you manage the entire process, take away the stress and give you peace of mind.
To help you get started with preparing your home for sale, the Concierge team have prepared the following five tips:
As obvious as it sounds, this is the best place to start. Give all the windows a clean to make them sparkle. Steam cleaning carpets and polishing floors will help the home feel fresh. A house wash will remove cobwebs, eliminate grime build up and a pressure clean of hard surfaces can make a big difference.
A cluttered house can make a home appear cramped, and that’s the last thing we want buyers thinking. Remove anything extra to the garage or storage so buyers can see the space not the stuff.
Outdoor spaces are just as important as indoor spaces. Trim shrubs and bushes, mulch garden beds, weed and mow lawns and remove any dead or excessive pot plants. Winter can take a toll on the lawns and gardens so be sure to tend to these so they can look their best when ready to sell.
Speak to your local Upstate team today, and they’ll show you the possibilities that are earning excellent results.
upstate.com.au
Winter is a great time to get those much-needed repairs and renovations done before you sell. Buyers love a home that feels fresh and well-maintained because its less work for them when they become the new owners. Work through all the odd jobs on your list, think about a fresh coat of paint, new carpet or simply upgrade the lighting.
We want to create a connection from the moment buyers view your property. A beautifully styled home will maximise the appeal and attract as many buyers as possible. We use styling to create an emotional connection to your property, it allows the potential buyer to imagine themselves living in the space. Reach out to the Property Concierge team who can arrange this for you.
If you are looking to sell and get the best price, you’re welcome to use our complimentary Property Concierge services. Please get in touch with us today to arrange a meeting with our team.
As Upstate’s Property Concierge, our role is to give our customers advice on minor upgrades to add value to their home or, to provide guidance on styling their homes for sale. We are constantly inspired by interior trends as well as the pieces we see our Property Stylists use in our sale campaigns, so here are some pieces we are loving right now.
While it might seem like everyone else is in pursuit of the European Summer, we can also bring that ambiance to our own living space. Assouline coffee table books and art that captures the essence of the Mediterranean sea can transport us there.
Curves are here to stay. We are seeing them not only in architecture but also furniture. Think curved bedheads, side tables, mirrors, console tables and even sofas.
theycreative_
Marble bowls and trays are great for styling coffee tables, consoles, bedside tables or bathrooms.
swishhomewares
is all the boxes!
We often recommend updating dining chairs to revitalise a dining space and to bring in natural materials to the home, to add warmth and texture. We are currently obsessing over these dining chairs, the soft curves minimalist design and functionality is ticking all the boxes!
you can’t go wrong with filling a corner with a lovely large Fiddle Leaf in a beautiful big pot
Formed Gardens is a residential landscape design and construction company based on Sydney’s Northern Beaches. They believe that exceptional gardens seamlessly blend functionality, aesthetics and sustainability. Formed Gardens succeed in creating personalised outdoor spaces that harmonise with both architectural design and nature’s beauty.
The team approaches every project by creating a design that works with the site, rather than imposed upon it. As a company they believe it is their responsibility to seamlessly integrate a house and landscape into its surroundings in collaboration with nature. Despite the structured elements, their gardens perpetually emanate the untamed essence innate to Mother Nature’s craftsmanship, an essence they strive to emulate.
With 15 years of experience as a team Formed Gardens is abundantly talented in crafting spaces and tailoring to your site and needs. This ethos empowers them to forge landscapes that are not only attuned to our demanding climate but also elevate property worth and, most crucially, enrich daily living.
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This is a unique 800m² of garden on an elevated site located at the north end of Whale Beach overlooking the ocean. The garden is located behind a traditional Palm Beach cottage perched a third of the way up the site.
Initially the space was completely covered in dense vegetation, difficult to access, and almost impossible to ascertain what lay beneath. The design however evolved with much hope and ambition given the steepness and uncertainty of the site.
The brief given was to explore opportunities to open up the area and create usable spaces for entertaining, recreation, and most importantly find a suitable spot for a rock pool. Through multiple stages of clearing, the natural beauty of the site began to emerge. A series of rock formations and boulders were uncovered which ultimately shaped the location of the pool, potential open terrace areas and a possible pathway through to connect them.
The challenge of course was how to execute the rest of the works. The property had a very steep slope with limited access. Amazing, but equally frightening, were the floating rock boulders that needed a clever engineering solution to secure them. A determined client and project team saw the construction take off and after almost 18 months the result was truly epic.
The centre piece to this landscape design is certainly the underpinned rock pool with overhanging boulders. Surrounded by expansive gardens and terraced lawns, there is a spacious open pergola and entertainment area atop a hill, drawing inspiration from Italian design. This space is linked together by a sequence of impressive railway sleeper and concrete stairways. Selected materials of concrete, recycled
timber and sandstone are robust and sympathetic to the coastal setting, while a colourful mix of hardy native and exotic plant types are blended together on mass to soften areas between rock formations and terraces.
For transformative inspiration and attention to detail that will revamp and reenergise your property, give the team at Formed Gardens a call. •
“Our gardens while structured, always retain that sense of wildness that mother nature does best, and that we aspire to recreate."
Motivated by a desire to share his knowledge and experience, Nathan Miller founded Miller Stone & Co with over 20 years of wisdom and an enthusiasm to assist locals in creating beautiful spaces.
Having spent his childhood on the land, Nathan has always cherished open spaces and diverse surfaces, his love for landscaping stemming from a fervent desire to offer intricate textures and products that complement his clients’ decor.
Miller Stone & Co is deeply committed and invested in their customers, providing personalised one-on-one consultations regardless of the scale of your project.
With strong connections to various traders and designers, Nathan collaborates with his clients, offering guidance throughout the entire process.
The majority of visitors that come through Nathan’s showroom are referred from builders or close friends. As a result, the showroom features an array of appropriate products to help the decision making process.
"We showcase a range of options, including natural stone, ceramic, porcelain, decorative, and pool mosaics," says Nathan.
Upon request, they are able to provide samples, often going the extra mile to order samples that clients have spotted online.
“I enjoy bringing spaces to life... collaborating throughout the process... exceeding expectations.”
Nathan Miller, Owner, Miller Stone & Co
Miller Stone & Co typically conduct on-site measurements to ensure accuracy, and for added convenience, extend complimentary delivery services for smaller orders, thereby alleviating the burden of hefty courier fees.
Nathan explains that, in the last two decades, there has been a notable
shift from concrete pavers to natural stone within both residential and commercial spaces.
"The influx of imported stone into the country has been exuberant, making evident the challenges faced by Australian manufacturers competing against the lower costs of stone from countries like China, Turkey and Egypt.
"While there is a significant amount of porcelain tiles coming from China, it’s important to highlight that for superior quality, Italian options stand unrivalled," explains Nathan.
"The impeccable quality, strength, and diverse prints available on these tiles provide an exceptionally authentic alternative to genuine stone, all while offering the advantage of reduced maintenance and upkeep."
Miller Stone & Co can assist you in discovering the ideal pavers and tiles for your space.
Let Nathan guide you in crafting a home that's both beautiful and functional, reflecting your unique style. Drop by the Collaroy showroom or contact him to arrange an appointment, either at your home or in their showroom. •
SINCE INTRODUCING THE CONCEPT OF BUYER’S AGENTS TO SYDNEY, WE HAVE SUCCESSFULLY REPRESENTED AND PURCHASED OVER 2000 PROPERTIES FOR OUR CLIENTS.
■ Searching, locating and negotiating your dream home or investment property
■ Sourcing and delivering off-market property to you that is not advertised to the general public
■ Determining a property’s true market value in this changing marketplace, and then negotiating the lowest possible purchase price for you
■ Take the stress out of auctions and let our professionals bid and negotiate on your behalf
In an exciting step towards the future, Upstate has unveiled three new directors from its senior management team. General Manager, Meschell Howarth, talks to Beaches COVERED. about how the business is enriching the team and setting a new standard in service.
As a renowned name in local property, Upstate is positioned to reshape its course by announcing three new directors who will continue to drive the company’s thirst for innovation and excellence.
Initially led by founding directors Peter Mosedale and Lachlan Yeates, Upstate welcomed Vincent West to oversee the commercial aspect in 2012. Now, the team has added Meschell Howarth (General Manager), Paul Ferrari (Head of Project Sales) and John Hall (Senior Business Development Manager), bringing the total count of business directors to six.
“A large team of committed, invested and experienced directors means you can always get hold of someone who cares,” says Meschell.
The new partnership promises to elevate Upstate’s prominence and introduce fresh perspectives to the table.
“Each of us knows the business very well and we know the community,” adds Meschell. “Our individual experiences will support the growth of Upstate and deliver the best business we can for our clients.”
What really sets this transition apart is the fact all three of the new directors are born and bred locals, deeply committed to the community and with a mix of experience that adds more value to Upstate’s already stellar reputation.
General Manager, Meschell, brings a robust corporate background, infusing strategic insights and a sharp business acumen into Upstate’s DNA. Her unique perspective will enhance the brand’s operational efficiency while strategically steering the ship into promising territories.
Paul Ferrari, boasts a wealth of experience in projects, developments, design and architecture best practices. His strategic vision will continue to contribute significantly to Upstate’s project endeavours.
And completing the trio is John Hall, whose journey with Upstate began straight out of school. Having learned the ropes on the ground, John’s career speaks volumes about his dedication and passion, driven by an undeniable connection and shared values.
“If you’re looking for someone to Manage your property - you can’t go past Johnny,” says Meschell. “He heads up our business development unit and has years of invaluable experience and knowledge of investment properties on the Beaches.”
Meschell, Paul and Johnny’s loyalty is a testament to the company’s culture, and lays a solid foundation for a future that’s brimming with innovation, client-centric services and community engagement.
As Upstate enriches its team, the future appears brighter than ever. The strategic infusion of fresh perspectives, coupled with the wisdom garnered from years of experience, creates a synergy that’s bound to take Upstate to new heights.
“There is no other real estate business like us. One that has residential, commercial, projects and property management and a senior team of directors solely committed to the Beaches,” exclaims Meschell proudly.
With a solid portfolio and a team that’s a perfect amalgamation of talent, Upstate ensures a prosperous and dynamic future for everyone involved. • upstate.com.au
Let’s embrace the delicacy of changing seasons. Winter is receding and nature is awakening with bursts of life. Marina Grassecker, the Managing Director at Harvest Native Nursery makes way for the vibrant resurgence of Spring. Read her tips and tricks for welcoming our native Spring plants and animalia into the beautiful season of rebirth and revival.
It is finally the most magical time of the year, where the insects and animalia come out of hibernation and the buds bloom! The birds are all airborne, happily gathering nest material and playfully chirping. To give them a helping hand, keep your native grass prunings and put them into a box for the birdies.
When gathering a few logs for a regenerative project, we discovered we did not have enough, because of this, one log was taken out of our nursery garden and guess what we found? A male and a female Eastern skink living inside! We will definitely not be moving any more logs from the nursery, after all it’s what they are meant for… habitat.
Harvest Nursery offers a variety of logs and rocks, perfect for creating a snug haven for moths, lizards, small birds, and many other little critters. We’ve got grasses and groundcovers ready to turn your outdoor space into a wildlife wonderland. When you next stop by the nursery, consider creating a habitat for the native wildlife.
Soon we will see the busy caterpillars…or should I say garden munchers! These creatures have been chomping on our lovely natives, they will shortly become majestic lovelies that make us take a double look at their beauty as they fly by.
There are so many flowering natives at present that it is difficult to advise favourites. A big standout is the
Pultenaea species (egg & bacon plants) of which there are many and we have them in stock!
Don’t forget the prickly and dense shrubs such as Banksia ericifolia and Daviesia ulicifolia (Gorse Bitter Pea), for small bird habitats.
Adults tend to be hesitant to grow prickly shrubs near children, however, just chuck them in once and they will not go near the bush again. Seriously though, if it is explained to children what the bush is for, they will immediately respect the bush and what it does for the small birds. Remember, kids are smart!
The coastal Banksia integrifolia is blooming magnificently and feeding the Lorikeets, and last year’s seed pods are being eaten by the Black Cockatoos. That’s versatility for you!
Our bushlands come alive much of the year with flowers from trees, shrubs, grasses and groundcovers. To achieve colour in your garden all year round, come to our native nursery at the beginning of each season and we will help your garden bloom indefinitely. •
have a large range of native grasses to
WE'RE OPEN EVERY DAY 9AM-4PM
Our two-acre nursery is brimming with local species, ranging from tube stock to advanced plants.
Discover an impressive selection of Bushfoods and Medicinal plants. Plus, benet from our revegetation and re-wilding consultancy services and expert horticultural advice.
From small home gardens to large regeneration projects, we have you covered!
Look out for the red arrow sign that will take you up the laneway to the nursery.
We
explore.
Beaches COVERED. sat down with the recently appointed Director of Projects at Upstate, Paul Ferrari. Upstate has always been at the forefront of innovation, and with this new leadership transition, the company is ready to reach even greater heights. Join us as we uncover the experiences, aspirations, and plans that will shape the future landscape of projects at Upstate.
What local buyer types are developers targeting and why? Gradually, I’ve observed developers providing products that suit the downsizer and the luxury market. There’s a notable shift towards a commitment to quality, and a strong emphasis on beautiful design and fittings.
Penthouses are having a moment, people seem to be opting for them over detached houses. Tell us a little but more about why they have become so popular? Well, what’s not to love about a penthouse?! You can’t deny that there isn’t something special about being on top of it all. The expansive terrace aspect and the seamless flow from indoor to outdoor spaces is something downsizers are often missing in their homes. With a
penthouse, you possess something that is stunning, and crafted by designers for the sole purpose of living and enjoying.
Currently, we proudly have three of the most opulent penthouses available on the Northern Beaches. One of them being, The Penthouse at QUARTET in Bayview, with an impressive 182 sqm of interior space complemented by a spacious 186 sqm terrace. With interior design curated by Coco Republic, this residence is a prime example of the true magnificence a penthouse can offer.
Also brought to us by Coco Republic, we offer a remarkable opportunity just 50 metres from the sands of Collaroy Beach – BATHERS COLLAROY.
Arguably the finest example of a penthouse in the area, it stands as the epitome of excellence. The interior finishes are unparalleled. The fusion of terrace and indoor-outdoor culinary areas creates a welcoming blend, emphasising a living-centric design philosophy.
BIANCO in Balgowlah is meticulously crafted and perfectly appointed. The penthouse is set in an architectural design that melds contrasting materials and tones delivering an elevated impact. The 185 sqm home shows off true penthouse style with the features downsizers have come to expect such as bespoke cabinetry, fireplace, and ocean views. The level of luxury is just so exquisite!
What extravagant finishes and furnishings can you expect to find inside a high-end penthouse?
Fine marbles and generously sized benches are at the heart of these homes. The lighting schemes and features are like automated pergolas, adding to the allure. Buyers consistently express interest in cabinetry within the living spaces, fireplaces are also a frequent sought-after feature. What truly distinguishes these penthouses is the flexibility they offer; they can be tailored to accommodate your preferences, ensuring a match with your requirements.
How involved is Upstate in the design process? At Upstate, our ingrained involvement within the Northern Region Market positions us not just as a participant, but also a contributor to developments even before the Development Application (DA) phase. This level of involvement allows us to leverage our understanding of buyer preferences, thus maximising the value we bring to each project.
Buying off the plan can be stressful. How can you guarantee that the finished product will meet expectations?
The new BCA and BASIX standards hold a level of strictness and stringentness that offers comprehensive protection to buyers in every aspect. However, it is equally important to know your builder and designer, and build a trusting rapport. Our commitment lies in providing buyers the necessary
space, time, and information to develop a genuine sense of assurance in their decision.
What exciting new projects are in the pipeline for Upstate? We have some exquisite new property in the pipeline for launches in late 2023 and during 2024. We have been working with these particular developers for years now to
bring these residences to market, and can’t wait for you to see the final result.
Just for fun. How many times a day do you get asked what the market is doing? A lot! However, these penthouses are so amazing that irrespective of the market, there are instances where you just need to take a leap when you see what you want; they’re a true rarity. •
Scan to view our full range of properties. Or, visit upstate.com.au/projects/buy
Choosing the right flooring is integral to the overall feel of a room. When it comes to luxe, its hard to go past natural materials. Choices Balgowlah have an incredible range of timber and wool flooring options that are hardwearing, low maintenance and sophisticated.
WINDSOR WOOL: OCEAN ISLE, SAFARI COASTAL ELEGANCE.
Create a coastal calm with this sand coloured carpet, perfect for a beachy inspired home. We love the textured finish of this level loop pile carpet. Modern and stylish it is crafted from top quality New Zealand wool which is not only hella soft but hypoallergenic and stain resistant. What's not to love?
PLANTINO ENGINEERED OAK REGAL - FRENCH GREY A COOL CHARACTER.
This smokey European oak is one cool cat. The brushed matt surface creates a timeless, rustic, industrial and the generous plank width screams expensive. This go-to engineered oak looks striking is an open plan space.
CARPET VS HARD WOOD FLOORING?
This is one of the biggest decisions when choosing flooring. The list of perks for carpet is long however, you cant beat the polished finish of timber. Why not enjoy the best of both worlds, utilising the sound absorbing, warm qualities of carpet in the bedrooms, and the sultry, easy clean timber in living spaces.
TEMUKA LANGDALEWILMINGTON A NATURAL BEAUTY
Created from luxurious, undyed wool this natural finish adds a warm sophistication to any space. We love the texture of the traditional weave design. The versatility of the shade works with any decor so you can get creative with your styling!
WINDSOR WOOL, WILLOWSTONE, ALESSI. HOORAY - THE PERFECT GREY!
We love the depth of this textured, pure wool, classic berber carpet. The perfect grey is a hard thing to find, but we have! This warm tone is the perfect base for a sophisticated space. Stain resistant and hardwearing, this low maintenance carpet will look good for years to come. from water damage.
Our large team of dedicated and experienced agents generate more enquiry - building our database which gets more eyes on your property and creates faster sales, more competition and ultimately - more money for you.
OVER 3,000 SALES since 2013
Is it just us, or have all kitchens started to look the same? Creativity and quality are at risk of being overshadowed by a flatpack of generic cabinets. It’s just not right! Beaches COVERED. talked to Helle Olsen, Manager of Collaroy Kitchen Centre, about the importance of craftsmanship and individuality in the heart of your house.
Every room in a house should speak a story of the people that live there, something that simply cannot be achieved with a cookie-cutter kitchen. The goal is to create a sense of who you are, a warmth omitted from the considered decisions that you can physically feel when you stand in someone’s home.
“People have become reluctant to inject their personal touches into their kitchen. I think that is what makes a space. Be bold with your choices, there is nothing to say that your kitchen has to look like everyone else’s.
“Don’t feel like you have to mimic what you see in magazines. Not everything has to match. Some of the best kitchens have mismatched.items,” says Helle.
The team are experts is putting your bespoke stamp on your space and are on-hand to give you as much advise as you need.
“Some clients want more design guidance than others but it is still a collaboration. I really enjoy working with creative clients who make choices that I would have never considered. It adds so much character to a space,” says Helle.
Yes, we understand that budget is an important factor, now more than ever. However, the fact is that cheap kitchens simply won’t last. You’ll end up spending double when you replace it in a few years time. It is a false economy.
It only takes one sagging cupboard door or a slight curl of peeling material to turn your space into a shoddy one.
At Luxe by Collaroy Kitchen they believe in doing things once and doing them well.
“We won’t compromise on materials, from cabinet carcass to hinges, our kitchens are built to last.
“We pride ourselves on our craftsmanship. Our installer is so meticulous, from the attention to detail to time keeping. You can tell a lot about a service by how tidy they keep their site,” explains Helle.
From design that won’t date to finishes that won’t wear, Luxe by Collaroy Kitchen promises to stand the test of time.
“Our service is ongoing. We offer a 10-year warranty and will happily fix up any chips or dents that you may get along the way,” says Helle.
Our designers are experts at creating kitchens that are fresh but timeless with a sense of luxe.
“People seem to be becoming more adventurous with textures and colours which is exciting. Sage green and navy blue with brass accents,” says Helle.
Let’s not forget the importance of lighting. “I’m Danish. We love pendants! Nothing irks me more than a pendant light that is hung incorrectly. It is supposed to be a feature. Again, you don’t have to do what is expected with lighting. We recently worked on a project with a cluster of five pendants which looked beautiful,” says Helle.
Head into Luxe by Collaroy Kitchen to start the journey towards a kitchen that is truly yours. •
LUXAPOOL® premium swimming pool paint has been trusted by generations of Australians to surface and resurface their pools.
LUXAPOOL® Epoxy delivers a smooth, hard, durable surface that is resistant to the growth of algae and simple to maintain. Available in 25 on-trend colours, LUXAPOOL® Epoxy paints are suitable for use over most pool surfaces
including cement render, concrete, pebblecrete, fibreglass, marblesheen and previously painted epoxy. LUXAPOOL® Epoxy paint is sustainably manufactured on the Northern Beaches using 100% renewable energy.
Drop into our Brookvale store for advice or to hire submersible boards in LUXAPOOL® colours to trial in your own pool environment.
With the right system, a well-connected home means devices and appliances can not only communicate with you, but also with each other. Smart systems can identify situations where energy
use is not being optimised. We can design a system unique to your home that can not only send notifications, but also set the devices in the house to react accordingly. MAE
We have cash rebates still available with some lenders. We give away a scooter or Westfield shopping spree every year.
We have Investment Agents help you find your next property.
We are privately owned, so we do what we would do, if we were you!
We are a local business, born and bred on the Northern Beaches, employing locals.
We can source you a new car, AND finance it too.
We can protect your monthly repayment with loan protection quotes.
We can offer Superannuation Lending and Advice.
We have full Financial Advice for wealth creation.
We have our own Health Product, Astute Simplicity Health.
We can connect your new home services, so you have one less thing to worry about in the move.
Lookingtosaveonyourhealthinsurance?Wouldyouliketoavoidthebigcallcentreswhereyou’ll nevertalktothesamepersontwice?Inthatcase,callourteamtoday!
We’reasmallteamofprofessionals,backedbySt.LukesHealthwhohavebeenproviding privatehealthinsurancetoAustralianssince1952. You’llgetapersonalisedservicewith adedicatedteammember
You’ll neverfeelrushedorpressured –we’reheretohelp. We’lleventakecareoftheawkward‘breakupcall’with
tohelpyouthroughthequoteandcomparisonprocess. youroldinsurer.
Contactmetodaytospeakwiththeteam!
0414976865 | sam.ayliffe@astutefinancial.com.au
0299841911 |manly@astutefinancial.com.au www.astutefinancial.com.au/manly