the
Property Book YOUR LOCAL NEWSLETTER & BUYERS PROPERTY GUIDE
18,000 QUEENSLAND HOMES 18,000 NEEDED EACH YEAR The future for South East Queensland
What Are Valid Reasons For Ending A Tenancy Agreement? We explain the what’s, when’s and how’s
Girls Take The Property Plunge Sisters are doing it for themselves!
Turn to page 2 to find out the winner of last month’s $100 voucher
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Nerang
JANUARY 2010
18,000 Queensland Homes Needed Each Year Up to 18,000 homes may need to be built in new residential estates in SouthEast Queensland each year for the next two decades if the region is to meet the forecast growth projections, developers say.
The Bligh Government’s SouthEast Queensland Regional Plan, released in July, has called for 156,000 additional homes - only about 7,090 each year - to be built in Brisbane, of which 138,000 will be units and flats, also known as infill developments.
Urban Development Institute of Australia policy director Martin Zaltron has predicted 45,000 additional hectares of land is needed for new “greenfield” residential estates across Queensland - equivalent to two master-planned communities similar to North Lakes, north of Brisbane.
Yet figures revealing Queensland homes rank among the largest in the world suggested new residents would be at least reluctant to trade the backyard for a balcony.
Sixty per cent of future building activity will need to be centered in the south-east corner, Mr Zaltron said, with the remainder sprinkled along the coast.
“The land that the State Government has set aside for development in the latest SEQ Regional Plan review was barely enough, if not short, of what is probably required to house the projected population,” Mr Harris said.
He estimated 18,000 new freestanding dwellings may need to built in Greater Brisbane each year in order to house up to 1.6 million new residents by 2031. But current construction rates will not suffice, with just 11,000 houses built in Greater Brisbane - including areas of Ipswich and Logan - in the last year. UDIA president Warren Harris said increasing infrastructure prices were slowing development in the south-east, while industry sources say rising infrastructure charges are adding $20,000 to the cost of developing a block of land.
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Mr Harris said the revelation highlighted further flaws in the SEQ Regional Plan.
“We have seen retractions of the previous land set aside in 2005.” He said up to 30 per cent of the urban footprint had been eaten
by tracts of land now set aside for koala conservation. “We believe it is absolutely essential to implement long term integrated solutions to ensure that healthy koala populations are maintained and nurtured, but we are gravely concerned that the Draft Plan, as released, will do nothing more than prevent future development while doing nothing for koalas,” Mr Harris said. “We have seen a very Swiss cheese-approach to conservation, which has taken away land previously nominated for development. “We are very concerned that there were desperate attempts made to connect conservation areas, which left less land available to achieve the (housing) densities required to deal with population growth.”
DECEMBER’S $100 WINNER
Congratulations to Sally Perry, our December winner of the $100 voucher. To win, Sally answered 3 riddles to be in the draw. Turn to page 4 to for this months brain teasers - and win!
FIRST NATIONAL NERANG SAYS
DON’T WAIT FOR A COPENHAGEN OUTCOME First National Real Estate Nerang has adopted an Energy Efficiency programme as part of an efficiency drive in 450 plus Australian real estate offices. The First National network has aligned itself with environmental group, Greening Australia, and building advisory service Archicentre, to help educate the general public on becoming energy conscious. “This is just the beginning of what we see as a major process for First National Real Estate “ said the networks CEO Ray Ellis, “we have launched an energy efficiency programme to our members across Australia and are including sustainability reporting as part of our Best Practice Quality Assurance accreditation. We will give an award each year to the First National member that has made a significant change in their energy efficiency.” First National Nerang has introduced online documentation to educate
local homeowners about how to reduce energy consumption around their home and create more appropriate Australian gardens. It has also instituted a policy of recycling all office waste paper, as well as replacing all internal paper forms with digital versions – all tracked and managed through an internal intranet. “All of our advertising is now managed digitally and we report to our clients about the progress of their sale using sophisticated software that incorporates inspection feedback, activity summaries and copies of advertisements” said Mike Gray, Principal from First National Real Estate Nerang. “As First National Real Estate members, we are involved with communities on the ground and are ideally placed to spread the message about energy efficiency” said Mike. We now offer the “Energy Saving Guidebook”, developed with Archicentre, and an “Australian Native Plants for your Backyard” booklet,
written in conjunction with Greening Australia, and a website full of tips, videos and information on becoming energy conscious. “This issue of becoming energy conscious is so important, we need to find every way of communicating it to the public. It’s not just about an ETS or a global agreement at Copenhagen. Making a difference starts at home and nobody needs to wait for a global or national policy to begin making a difference” said Mike. “We are looking forward to be able to work in our office, with our clients and tenants and with our community, to help people understand that energy efficiency is the beginning of more sustainable business and more sustainable living” said Mike.
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Girls take property plunge MORE Gold Coast women are taking the plunge, but not into marriage.
from 57 per cent to 59 per cent over that period.
Instead, they are diving alone into real estate before even considering marriage and kids.
Even women in relationships were choosing to invest without their partner for their own financial security.
Data collected by national consulting group Splash shows the number of women planning to buy property on their own increased from 16 per cent in 2007 to 29 per cent this year.
Splash managing director Amanda Stevens said despite their numbers, women were not being treated equally by real estate agents and shared many ‘horror stories’.
Home ownership among the fairer sex also increased slightly
Relationships Australia vicepresident Anne Hollonds said the recent spike was most probably attributable to the Federal Government’s First Home Buyers Grant. She said for years the social trend had been for women to delay marriage and childbirth in favour of the workforce.
The only recent change was the doubling of the grant which has since reduced. Although she lives with her ragdoll cat Haru, 30-year-old Yukari Okano, is technically single and has just moved into a $405,000, two-bedroom apartment at Surfers Paradise. She said it had been her goal to buy a home when she hit 30 and it didn’t worry her that she would have to carry the weight of a mortgage alone. “Instead of paying the rent, which is getting higher and higher and paying off someone else’s mortgage, I’m paying off mine,” she said.
$100 BUNNINGS VOUCHER WITH $ THIS MONTH’S BRAIN TEASERS
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To be in with a chance just answer any one of the following Brain Teasers correctly. For every correct answer you will have one chance in the draw. Submit your answers at http://blog.nfn.com.au Question 1: What common English word becomes shorter when you add two letters? Question 2: The poor have it, the rich want it, but if you eat it you will die. What is it?
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Question 3: How can you throw a ball as hard as you can and have it come back to you, even if it doesn’t hit anything, there is nothing attached to it, and no one else catches or throws it?
What Are Valid Reasons For Ending A Tenancy Agreement? It is a busy time of year with many tenants moving in the next couple of months which is common during this period. It is important for both tenants and landlords to know the different reason why a lease can be broken, and how much notice needs to be given. Without grounds Either party can end an agreement without giving a reason. However, a fixed term agreement cannot be ended before the agreement’s end date, unless both parties agree. The lessor/agent must give the tenant 2 months notice.The tenant must give the lessor/agent 2 weeks notice. Non-livability Either party can end the agreement if the premises are partly or wholly destroyed or if they can no longer be used legally as a dwelling. The notice must be given within 1 month of the premises becoming uninhabitable and the agreement ends on the day the notice is given. Sale of premises The lessor/agent can end a periodic agreement if the lessor has entered into a contract to sell the premises with vacant possession. However, they can not end a fixed term
agreement before the end date, unless the tenant agrees. The tenant can end the agreement if the premises are for sale within the first 2 months of the tenancy and they hadn’t been informed in writing, at the time they signed the agreement.The tenant has until 2 weeks after the first 2 months of the tenancy to advise they want to leave. Breach of agreement Either party can end the agreement if the other party does not remedy a breach after the Notice to Remedy Breach process has been followed. The lessor/agent must give 7 days notice to leave for rent arrears, or 14 days notice to leave for general breaches.The tenant must give 7 days notice of their intention to leave. Mortgagees in possession A mortgagee such as a bank or financial institution that is entitled to take possession of the premises, can give the tenant at least 2 months notice and end a periodic or fixed term agreement if it has not agreed to the tenancy. Death of a sole tenant If a sole tenant dies, the tenant’s personal representative or relative can negotiate with the lessor/agent to end the tenancy. The date the
agreement ends depends on the action taken. If a written notice is used, the tenancy ends 2 weeks after the notice is received. If the parties agree on another end date, then the tenancy ends on that date. If no notice is given or no agreement made, the tenancy ends 1 month after the tenant’s death. Terminations by Tribunal The lessor, agent or tenant can apply straight to the Tribunal for a decision about when a tenancy agreement should end, but only for certain reasons, and only after correct processes have been followed. These are called ‘urgent applications’ and reasons include: • Failure to leave • Hardship • Damage or injury • Objectionable behavior • Repeated breaches If you have any questions, give our property management team a call on 07 55960055.
How To Get Maximum Rent Returns Here are 10 often overlooked maintenance issues which could bring you in that extra dollar. • Check that all window coverings are in working order and look respectable. • Replacing shabby carpet can make such a difference to the appearance of a property • Kitchen – give it a good inspection. Does anything need replacing? This is the most used room in the house – if it is shabby your tenants may take a ‘shabby attitude’ towards your property.
• A one-coat touch up through the property – a quick one-coat paint can make all the difference to a property. • Check the plumbing – make sure all water works are working properly • Check all electrical fittings, TV aerial and phone connections • Fire Alarms – Make sure they are in working order. • Have a look at all the doors and make sure the premises are secure and that there are locks for every door and locked window
• Outdoors – does the garden need a good tidy up. Less means less to look after and therefore it usually looks and is better maintained. • Check all the fencing from a safety point of view and for pests. Good tenants like to live in good surroundings. Provide that for them and you are more likely to get better tenants. Good overall property management is essential for growing your investments.
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First in local real estate.
Nerang
HIGHLAND PARK
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NERANG
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Great Townhouse, Great Views • LU garage • 2 bedrooms • Pool and tennis court in complex • Spacious open plan design Price: $289,000 • Well sized modern kitchen Web ID: 1216319 • Downstairs powder room • Covered entertaining deck with Contact: Paul Moitzi 0423 589 958 Surfers skyline views Robert Lewis 0411 342 326
Sensational Complex • Security estate with pool, tennis court, BBQ area, sauna, access • 3 Bedrooms, ensuite to master • Spacious open plan living & dining to parks and walkways Price: $295,000 • Modern kitchen with granite benchtops and dishwasher Web ID: 1198822 • Air conditioned living area Contact: Shawn Barber • Fully fenced yard 0404 257 243
NERANG
MAUDSLAND
Simply Sizzling! • 3 bedrooms • Open plan living and dining • Modern kitchen & appliances plus granite benchtops • Double carport, LU garage plus side access
ASHMORE Prestige Location • 810m2 vacant building block • Gently sloping • Build up and enjoy views over the river to the mountains • Surrounded by million dollar properties
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• Walk to shopping, parks, schools and transport Price: $360,000 Web ID: 1216336 Contact: Robert Lewis 0411 342 326 Paul Moitzi 0423 589 958
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• Exclusive street in Ashmore • Only minutes to all major amenities Price: $385,000 Web ID: 1189215 Contact: Andrew Davidson 0411 760 600
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Acreage Block, Prestige Estate • Located in Lakeview Downs Estate • 4060m2 building block • Elevated with lovely bush outlook • Only minutes to CBD $385,000 • Corner block with great frontage Price: • Surrounded by prestige acreage Web ID: 1037421 homes Contact: Andrew Davidson • Town water 0411 760 600
WORONGARY
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Great for Young Families • Three bedrooms • Separate tiled family room • Large open kitchen • Air conditioning • Large covered entertaining area with spa, bar and BBQ
quick search these properties and more at www.nfn.com.au
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• Double auto garage • Quiet cul-de sac location • Water tank for the gardens Price: $400,000 Web ID: 1247694 Contact: Steven Hayes 0421 643 871
Office 55
960055
Every precaution has been taken to establish the accuracy of the above information but does not constitute any representation by the vendor or agent.
First in local real estate.
Nerang
NERANG When Quality Matters • 3 bedrooms, ensuite to master • Large tiled open plan living • Stunning modern kitchen • Air conditioning • Private front courtyard • Double LU garage
NERANG Easy Living • 3 bedrooms, ensuite to master • Large tiled open plan living • Stunning modern kitchen • Ducted air conditioning • Private front courtyard • Double LU garage
WORONGARY Big on Living, Big on Views! • 4 bedrooms plus ensuite • 1 bedroom self contained flat • Open plan design with timber look flooring throughout • Covered entertaining area • Separate home office
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• Secure estate with resort style pool and BBQ area • Pet friendly, low body corp Price: $429,000 Web ID: 1188501 Contact: Julie Morgan-Kemp 0409 870 301
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• Secure estate with resort style pool and BBQ area • Pet friendly, low body corp Price: $439,000 Web ID: 1216155 Contact: Julie Morgan-Kemp 0409 870 301
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• Inground pool • 2 street frontage, double garage plus carport Price: $479,000 Web ID: 1243966 Contact: Andrew Davidson 0411 760 600
WORONGARY
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Surprise Package • Three bedrooms • Generous lounge and dining with skyline views • Galley style kitchen with walk in pantry • Covered entertaining area
CARRARA
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Great Family Home! • 3 bedrooms plus ensuite • Formal lounge and dining • Ducted air conditioning • Separate family room • Galley style kitchen with Blanco appliances
NERANG
quick search these properties and more at www.nfn.com.au
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• Huge covered entertaining area • Great flat yard for the kids • Double garage plus side access Price: $459,000 Web ID: 1243977 Contact: Julie Morgan-Kemp 0409 870 301
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Check Me Out! • 4 bedrooms, ensuite to master • Separate living areas • Great modern kitchen • Separate TV or rumpus room • Air conditioning • Sparkling inground pool plus
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• Large shed with lined room • Double carport plus off road parking Price: $430,000 Web ID: 1247709 Contact: Robert Lewis 0411 342 326 Paul Moitzi 0423 589 958
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• Covered entertaining area • Low maintenance, flat yard • Double LU garage Price: $489,500 Web ID: 1240068 Contact: Steven Hayes 0421 643 871
Office 55
960055
Every precaution has been taken to establish the accuracy of the above information but does not constitute any representation by the vendor or agent.
First in local real estate.
Nerang
NERANG
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HIGHLAND PARK
• Massive covered entertaining area Privacy Plus! • Tropical inground pool • Four bedrooms plus ensuite • 1308m2 lot backing to parkland • Open plan lounge and dining Price: $499,000 • Separate tiled family room • Large rumpus room with study Web ID: 1247580 Contact: Steven Hayes • Modern galley style kitchen 0421 643 871 • Air conditioning
Privacy Plus Pool • 3 bedrooms plus study • Ensuite to master • Separate living areas • Air con and fully insulated • Water tank • Inground salt pool
NERANG
HIGHLAND PARK
Feature Packed Family Home • 4 Large bedrooms plus ensuite • 9 ft ceilings • Modern open kitchen with caesar stone benches • Formal lounge and family room • Ducted air-conditioning
WORONGARY Big on Living, Low on Upkeep • 36 square home with double brick construction • 5 big bedrooms, 3 bathrooms • Massive separate living areas • Stunning designer kitchen • Separate teen retreat with dual
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• Solar hot water, water tank • Double garage with drive through access Price: $549,000 Web ID: 1133007 Contact: Robert Lewis 0411 342 326 Paul Moitzi 0423 589 958
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living potential • Covered entertaining area • Double garage & double carport Price: $585,000 Web ID: 1147187 Contact: Andrew Davidson 0411 760 600
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Price: $519,000 Web ID: 1061430 Contact: Robert Lewis 0411 342 326 Paul Moitzi 0423 589 958
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My Space,Their Space, Our Space! • 4 bedrooms, ensuite to master • Rumpus room with wet bar • Parent’s retreat • Massing open main living area with panoramic views a
GAVEN
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• Air conditioning throughout • Solar heated inground pool • Double auto LU garage Price: $559,000 Web ID: 1137451 Contact: Paul Moitzi 0423 589 958 Robert Lewis 0411 342 326
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Finish The Dream • Four bedrooms plus study • Ensuite to master • Formal lounge & dining room • Great timber kitchen • Big separate rumpus room • Inground pool plus tennis court
quick search these properties and more at www.nfn.com.au
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• Large covered outdoor living areas • Double LU garage
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• Massive barn style, 3 bay shed • 4549m2 lot close to town Price: $589,000 Web ID: 1216138 Contact: Steve Hayes 0421 643 871 Julie Morgan-Kemp 0409 870 301
Office 55
960055
Every precaution has been taken to establish the accuracy of the above information but does not constitute any representation by the vendor or agent.
First in local real estate.
Nerang
HIGHLAND PARK Panoramic Views & Blue Chip Address • 860m2 vacant building block • Flat building area • Fantastic Eagle view position at the top of The Outlook estate • Cul-de sac location
NERANG Sellers Must Move! • 4 bedrooms; ensuite to master • Large parents retreat or study • Spacious open plan living area • Big open kitchen • Wide covered entertaining area • Very private inground pool
NERANG Southern Belle Acreage • 5 bedrooms, 3 bathrooms • Formal lounge with open fireplace plus formal dining • Modern timber kitchen • Extra large open plan family and dining area
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• Sealed driveway • Views from Surfers Paradise to Coolangatta Price: $595,000 Web ID: 1247732 Contact: Robert Lewis 0411 342 326 Paul Moitzi 0423 589 958
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• 2 bay workshop with power • Double carport, off road parking • 5447m2 lot with side access Price: $639,000 Web ID: 1176245 Contact: Steve Hayes 0421 643 871 Julie Morgan-Kemp 0409 870 301
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• Inground salt water pool • Triple LU garage plus carport • Fully fenced 6474m2 lot Auction: 13th February 2010 Web ID: ID Contact: Shawn Barber 0404 257 243
ROBINA
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Cream Of The Crop! • 4 bedrooms, ensuite to master • Spacious formal lounge room • Large open plan family and living rooms • Beautiful big timber kitchen • Huge fully enclosed sunroom
MOUNT NATHAN Best Buy In Mt Nathan! • Massive 3000m2 block, stunning home, very private • 5 bedrooms, ensuite with spa • Massive formal lounge room • Open plan family & dining area • Large modern open kitchen
NERANG
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• Inground pool with shade sail • Double LU garage Price: $619,000 Web ID: 1204798 Contact: Steven Hayes 0421 643 871
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• Air conditioning throughout • Private inground pool • Double LU garage Price: $645,000 Web ID: 1204400 Contact: Julie Morgan-Kemp 0409870301 Steven Hayes 0421 643 871
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Breathtaking Designer Home • Stunning designer kitchen • 4 bedrooms plus study • Beautiful pool with water feature • Walk in robe & ensuite to master• Double auto LU garage 7 more! Price: $659,000 • Custom built theatre room Web ID: 1247788 • Beautiful formal lounge Contact: Robert Lewis 0411 342 326 • Large open plan family room Julie Morgan-Kemp 0409 870 301 • Large central study or TV room
quick search these properties and more at www.nfn.com.au
Office 55
960055
Every precaution has been taken to establish the accuracy of the above information but does not constitute any representation by the vendor or agent.
First in local real estate.
Nerang
LOWER BEECHMONT Space, Character and Views! • Tri-level home with dam views • 3 bedrooms plus 3 bathrooms • Huge loft style room • Magnificent huge timber kitchen • Massive lounge room • Wide decks to each level
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• LU garage plus 2 parking bays • Private inground pool and spa • 3.69 acres with access for a shed Price: $699,000 Web ID: 1166968 Contact: Steve Hayes 0421 643 871 Julie Morgan-Kemp 0409 870 301
CLAGIRABA
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Acreage Hideaway • Very private 8.12 acre lot • 5 bedrooms, 3 bathrooms • Beautiful open plan living • Stunning new kitchen • Additional living area downstairs with dual living potential
ADVANCETOWN Best Kept Secret!
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• Sparkling inground salt pool • Large dam with irrigation system • Double 6x9m shed with power Price: $799,000 Web ID: 1187291 Contact: Steve Hayes 0421 643 871 Julie Morgan-Kemp 0409 870 301
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Rare 7.5 acres nestled in the Advancetown Valley. The 65 square home is perfectly positioned over looking the land. Perfect for people wanting to get away from it all, yet within minutes of the action. • 5 Bedrooms; Master with ensuite with adjoining study & nursery • 2 additional bathrooms including a semi ensuite • Huge open plan lounge, family and living rooms • Lovely open kitchen with gas cooking island bench • Combustion fireplace plus air conditioning • Ideal for home office or family lifestyle choice • 2 Stables, fenced paddocks and full large fenced dam • 2 Bay shed/garage plus 3 bay steel workshop with 3 phase power, toilet and shower • 7.5 acre lot with access through to adjoining land to reserve Let the quality of life be filled with the things you love to do! Price: $750,000 Web ID: 1216371 Contact: Robert on 0411 342 326 or Paul on 0433 589 958
MOLENDINAR Modern Family Home
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This modern, big home boasts a fantastic floorplan that is spacious, modern and timeless in style. With separate living areas, loads of parking & a 1020m2 landscaped lot, your family will love to call it home! • Four double bedrooms; Ensuite to master • Large downstairs study • Formal lounge and dining rooms • Separate family/tv room • Stunning modern kitchen with gas cooking and granite benches • Expansive covered entertaining and al fresco dining area • Very private inground pool • Double LU garage, LU carport plus side access • Large landscaped 1020m2 corner lot, fully fenced STUNNING HOME! Auction: Onsite 6th February 2010 at 1 pm Web ID: 1247656 Contact: Shawn Barber on 0404 257 243
quick search these properties and more at www.nfn.com.au
Office 55
960055
Every precaution has been taken to establish the accuracy of the above information but does not constitute any representation by the vendor or agent.
Nerang
First in local real estate. GAVEN Acreage Oasis Close to Town!
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Enjoy absolute privacy with remote gate entrance, to this stunning 4 bedroom home. Set on 2.5 tropically landscaped acres, this home is spacious & modern, but the property has potential for so much more! • 2.56 acre lot includes a big flat section of land with own driveway - great for 2nd home, shed or sub division potential! • 4 bedrooms; Walk in robe and ensuite to master • Spacious lounge and dining area with tall pitched ceilings • Separate TV or games room • Modern timber kitchen with gas cooking • Combustion fireplace plus air conditioning • Large covered entertaining area plus full length rear verandah • Great inground pool area with shade sail • Large 2 bay shed with 3 phase power & 3 car carport • Spring fed dam Price: $850,000 Web ID: 1216213 Contact: Julie Morgan-Kemp 0409870301 or Steven Hayes 0421 643871
GILSTON Nautical But Nice
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An inspirational architecturally designed home - it’s intriguingly unique! Set on 1.49 acres, the design encompasses a split level nautical design, vaulted ceilings & full length windows to create a home like no other! • Approx 60 square Peter Jansen designed home • 3 extra large bedrooms plus office • Walk in robe and ensuite to master • Massive sunken formal living & dining • Timber floors and lead-light windows • Huge tiled family room with combustion fireplace • Stunning modern galley kitchen with walk in pantry • Workshop or teen retreat under home with toilet facilities • Covered entertaining area looking to the inground pool • 100,000L water tank plus town water • Double LU carport, double carport plus off street parking Price: $875,000 Web ID: 1244003 Contact: Steven on 0421 643871 or Julie on 0409 870 301
CARRARA State of the Art
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There is nothing else like this luxurious, brand new home. Set on the best block in Boonooroo Views Estate, the home takes advantage of 270 degree views & integrates state of the art technology and design. • 50 squares of living over 3 levels with 270 degree views • Smart wired with central computer control centre • 5 bedrooms including guest room • Top level is just for parents with master bedroom, ensuite, walk in robe, private balcony, plus study/nursery • Exquisite kitchen with stone benches, butler’s pantry & more • Huge open plan main living area with unique water feature • Massive entertaining deck with wet BBQ area & plumbed for gas • Inground pool with outdoor shower plus covered spa area • Double LU garage • Too many features to list here, inspection a must! Price: $1,200,000 Web ID: 1246345 Contact: Andrew Davidson on 0411 760 600
quick search these properties and more at www.nfn.com.au
Office 55
960055
Every precaution has been taken to establish the accuracy of the above information but does not constitute any representation by the vendor or agent.
“Can the Chrissy Cards”... Team Donates to Mayor’s Christmas Appeal Instead... It’s definitely an age thing…. as you get older the years just seem to fly and here we are again at the beginning of the year. Remember when you were sixteen and waiting to turn seventeen to get your drivers license? It seemed like a five year wait the time went so slow. Not any more unfortunately. This year, we decided as a company to give $1000.00 to the Mayor’s Christmas Appeal instead of sending our clients a Christmas card. FSG (Family Support Group) Australia is the recipient of this year’s annual appeal. FSG provides valuable respite care for children with disabilities and mental illness, offering them a home away from home while their carers get a much needed break. This is something that a lot of other businesses have done in the past few years and I cant help but think
how much better off the charities would be if everybody adopted this policy. Thank you sincerely for your understanding in this matter as jointly we all continue to make a small difference at Christmas to the less fortunate. On behalf of the team at First National Nerang, I hope that the festive season allowed you to be close to those who matter most in your lives. Good luck, good health wishing everyone a happy & successful New Year. Mike Gray, Principal
Mayor Ron Clarke receives the cheque from team members Susie Gale and Andrew Davidson
Did You Know...
The First National Foundation has raised in excess of $600,000 for the Australian Red Cross.