VIEW magazine - Spring 2022

Spring 2022

Property. l from every perspective

*NO SMOKE & MIRRORS, BS OR BIAS

with JOEL DAVOREN, Managing Director, RE/MAX Australia

If you have been reading headlines in recent months, you might be doing anything from quietly sobbing (my property portfolio’s value is plummeting); throwing up your hands in despair (how will I ever buy a house); weeping and gnashing your teeth (I can’t afford to pay my mortgage) or wiping your brow with relief (I’m glad I own my home)

There has been a lot of alarmist stuff about interest rates rising and affecting both capital growth and affordability.

In fact, they number in the dozens. We were fortunate to have Simon Pressley, Head of Research, Propertyology, present to our Australian network. He gave an insightful representation on various macro factors that currently have a ‘lifting’ versus ‘dragging’ influence on property markets.

Mr Pressley points out that there is no direct connection between house price movements and inflation. If anything, the historical evidence suggests periods of high inflation coincided with periods of the strongest property markets. The RBA seems reasonably confident of controlling inflation within a year or so.

Australia’s economy is currently the strongest it has been in 50 years. We have more jobs available than people to fill them, business revenues are rising, we have strongest wage growth prospects for a long while and the RBA confirms household finances have never been stronger.

The ‘experts’ routinely get it wrong. FACT.

You might recall the many failed doomsday predictions we were subject to over the last few years… when what actually happened was a super crazy time for real estate. The same people are now talking about floundering property markets in 2022/23.

And what about these ‘woe is me’ debt-to-income ratio headlines? RBA data says that the average Australian with a mortgage is currently only using 4.4 per cent of their household income to cover loan expenses and that household liquidity currently consists of $260 billion, most of which is squirreled away in mortgage offset accounts and redraws.

A recent headline dramatically touted a 30 per cent fall in ‘the Australian property market’ (as if it’s one single market!) Such a fall hasn’t occurred before and I see no credible reason to suggest one of this size should now. And don’t get me started on all the bad news stories, talking incessantly about the US economic scenario.

Twenty years ago, when Australia last had a property boom, the median house price in most locations more than doubled even though variable home loan interest rates increased. The standard variable rate home loan back in 1970 was 6.5 per cent and by 1990 it, was 17 per cent, yet the combined capital city median house price increased eight-fold (from $14,000 to $122,000).

The housing supply situation has never been tighter. There’s no relief in sight to the almost nonexistent rental supply. Rising construction costs also places upward pressure on house values.

It’s real estate markets, plural. FACT.

Simon Pressley thinks the boom is nowhere near over and would not be surprised if prices double over the next six years in some parts of Australia. “Housing will never go out of fashion. We currently have a dire shortage of it and oodles of financial capacity to meet the demand.”

The media is prone to pick one factor in isolation, which is generally the attention grabber. A headline often gives the end or outcome: catchy words without background. I like to think that people look beyond ‘click bait’ and seek reputable information sources away from mainstream media.

I’ll finish with this thought.

I’m not a blind optimist but I do think you should be aware of pessimists predicting a crash as the market shifts. All market conditions change. They never stay the same. Real estate agents should keep their clients informed about changing markets, without the need to buy into doomsday proclamations.

*Unapologetically ‘borrowed’ from Simon Pressley.

Over the six years to August 2008, interest rates increased by 3.2 per cent and that didn’t stop 100 per cent or more capital growth across Australian real estate markets. FACT.

Interest rates are only one of the many factors that affect home prices. FACT.

Housing will never go out of fashion.

We currently have a dire shortage of it and oodles of financial capacity to meet the demand.

MOVING IN ON THE APARTMENT SCENE

“ An apartment may be the next great property move for you, either as an owner occupier or an investor.”

Confidence exists among those who understand property cycles that units and apartments will come into renewed favour through both affordability and location.

Investors have traditionally dominated the apartment market, but over the last few years it has been the owner occupiers, including first home buyers and downsizers. The opening of domestic and international borders will likely see increased demand for units in inner-city precincts, and with that, more investors will enter the market.

2022 apartments are more than internal square metreage plus balcony. On offer are amenities such as gyms, pools, barbecue areas, recreation areas and playgrounds, and shared gardens. Step up to luxury for things like concierge services, private dining rooms, rooftop cabanas and yoga decks.

Gyms have become wellness centres; and recognising the shift to home workspaces, developers are creating larger apartments with multipurpose rooms-come office space, as well as incorporating shared boardrooms and meeting room facilities in the apartment complex.

Humans are social beings. We love to belong. The urban sprawl has, to a degree, fostered a decline of the suburban community, with neighbours now lucky to get a wave or a nod as they pull out of the drive, or put the bins out.

Apartments can promote community living. Residents become connected in corridors, lifts and shared spaces, in gyms and around the pool or playground as they move around the complex, and in the cafes and restaurants at street level.

In apartment communities, you can have like-minded people attracted by the location but diversity too through different apartment sizes and price points. Like-minded people gravitate together, and social and exercise groups develop organically. They often look out for each other, providing added sense of security and support.

In 2020, Australia’s largest annual study of community values and liveability, Ipsos Life in Australia, reported safety at 72%, followed by 51% affordable decent housing; 48% nearby quality health services; 47% access to nature; and 33% close to shopping, leisure and dining.

Apartments can contribute to people feeling safe through reserved resident car spaces, closed-circuit television camera, security systems, key card entry, and round-the-clock staffing.

THE 20-MINUTE NEIGHBOURHOODHAVE YOU HEARD OF IT?

The Victorian Government is trialling the concept that relates to living locally, giving people the ability to meet most of their daily needs within a 20-minute return walk from home, and access to safe cycling and local transport options. The ‘20 minute’ concept comes from a healthy adult’s average walking time to cover 800 metres.

Too many have fallen into a sedentary and unhealthy lifestyle. We reach for the car keys over walking or cycling. We worship automation rather than doing something physical ourselves and so many sit at a keyboard or in front of a screen for hours on end.

The 20-minute neighbourhood lends itself to high density living and both existing and new apartment complexes are ticking the boxes for this concept without even realising it, in locations where residents have access to shopping, business services, education, community facilities, recreation and sporting facilities and employment.

It’s thought that lifestyle destinations where such services are available within a 20-minute walk are likely to outperform more remote suburbs in terms of real estate growth. This is encouraging developers to be more aware of creating vibrant, exciting and caring communities, apartments that allow residents to live, work and play within 20 minutes of home, and with no need to find a parking spot.

DOWNSIZING TO AN APARTMENT

TIP: Make a list of the fun things you want to do in the next decade. If it doesn’t include mowing, cleaning gutters, weeding gardens and external maintenance, explore the apartment option.

Some obvious benefits are:

EASE OF MAINTENANCE. The apartment is often smaller than a family home and it’s easier to lock the door and go on holidays.

CONVENIENT. An apartment community can be close to whatever it is that suits you - be that city, shopping, parks, entertainment, transport or schools.

LESS CLUTTER. The move is the perfect reason to prioritize your possessions and let go of things you don’t need.

REDUCED INSURANCE AND UTILITY COSTS. Check on the energy efficiency rating, but generally a smaller space should mean savings on insurance, heating and cooling.

INCREASED CASH FLOW. Depending on where you buy, investing in an apartment when you sell your home might mean you have money to spend on your lifestyle, invest or pay off a mortgage.

SIZE COUNTS

Not everyone wants to downsize to a smaller apartment. In fact, once developers realised that buyers didn’t want an apartment that crammed three bedrooms into a 110 square metre space, they changed the design focus. They listened to the owner occupiers who wanted generous spaces and were happy to pay accordingly.

The result is large three and four-bedroom apartments with luxury master suites, multiple living spaces and balconies that comfortably fit outdoor furniture, even outdoor kitchens. These buyers want a central location close to loads of amenities while retaining the ambiance and versatility of a spacious home.

ON LOCATION

METUNG, VIC

Four hours east of Melbourne, where the scenic Great Alpine Road ends, is the picturesque village of Metung.

Located in the beautiful Gippsland region, Metung sits at the end of the peninsula, almost completely surrounded by calm waters. Metung is very much a fishing and boating/yachting town and it’s easy to see why people fall in love with it. There is no denying that the enjoyment of being beside the seaside is a huge part of the Metung resident’s lifestyle. Lake King and Bancroft Bay border the idyllic village, and boat ramps, jetties and mooring facilities dot the shoreline, bringing summer water lovers and avid fishermen.

The Metung locals enjoy a laidback lifestyle in a friendly location with lots of community activities, while their village and surrounds remain quiet and peaceful. A truly beautiful environment, surrounded by nature and with space to breathe, it is a drawcard destination for weekenders who harmoniously join the permanent residents.

“Metung is a special place. There’s a familiar a face around every corner and with a strong sense of community support. The village rallies around those who need it most. It’s a privilege to be part of this special place.”

– Monja Schoeman, RE/MAX Genesis

EXPERIENCE METUNG

There’s no better way to start the day than a stroll along the waterfront. The Metung Boardwalk runs along the edge of Bancroft Bay, through the village and out to the tip of the peninsula. Set your own pace and see the best views of the area on this 5.5km return walk.

Time your visit to enjoy the monthly farmers markets and see a great range of local artisans, produce and flowers. It wouldn’t be a visit to Metung without enjoying some fresh seafood, so why not pick up a seafood platter, grab a picnic blanket and watch the boats go by as the sun sets over the water?

Cruise between Metung and Lakes Entrance, learn how to sail or hire a boat and explore the lakes and waterways yourself. Yachts and cruisers are available for hire for overnight stays.

Pack an overnight bag and hit the road…

If it’s a road trip you’re seeking, Metung is the perfect destination. Whether it’s two wheels or four, there are scenic routes to showcase some of the country’s most beautiful landscapes. Once you’ve enjoyed the journey, it’s time to slow the pace and relax in picturesque Metung. And when it’s time to say goodbye, The Metung Hotel – which dates back to 1873 - is a great place for a final meal, or simply to enjoy one last drink overlooking the bay… until next time, that is. *CoreLogic

A strong economy is key to any successful commercial real estate investment.

GO FORTH BOLDY IN COMMERCIAL REAL ESTATE

Investors are unnecessarily cautious about dipping a toe into commercial waters. It is fine to see it as a new challenge, but fear shouldn’t play a part.

Whether you have had experience with residential property investment, or this is your first dive into the real estate market, any move will come with a list of questions about buying commercial property.

In order to build confidence and get you underway with positive commercial property experiences, we’ve put these together as a guide.

# 1 Know how much money you have to invest.

Start with a clear picture of your finances including how much you have to invest, whether you want to purchase in cash or whether you need to boost your investment capacity with a property investment loan. Sit down with a finance broker, who will be familiar with the intricacies of commercial property finance and can help you understand your borrowing options and the financing process.

# 2 Not all commercial property types are the same.

The commercial real estate industry offers a wide variety of asset types, which are typically classified into four main sectors: office space, industrial, multi-family and special purposes. Within these there are different forms; for example, under office space, it might be standalone offices, cooperative or office spaces.

There’s more to consider than whether you want to buy office premises or a retail space. Some commercial property types perform better than others based on the supply and demand in the asset’s location. Office space might get better yields if near or in a CBD, for instance.

The supply and demand, yield, and overall profitability of each type of property greatly vary so it is crucial to do your due diligence to identify the asset types that are most profitable, or offer the biggest yield opportunity, in the current economy.

# 3 Understand market drivers.

Demand is a fundamental driver for commercial and residential property growth alike. However, demand for commercial properties is driven by different economic and social factors. Historically, strong international, national and local economies underpin booming commercial markets. Often it is the transport sector where you see the first indications of growth, fuelled by demand for materials used in manufacturing and construction. Demand for warehouse space, then retail followed by office space occur as the economy strengthens further.

A strong economy is key to any successful commercial real estate investment.

# 4 Interest rates.

The Reserve Bank of Australia (RBA) uses interest rates to control the country’s inflation. The principle is that upping the cash rate helps in slowing growth, because the cost of money is higher and the rate at which firms can grow is reduced.

This can have a slowing effect on the demand for commercial property. And vice versa.

# 5 Infrastructure development.

Major infrastructure changes can have a good impact on commercial property returns and attract commercial property investment to an area.

# 6 Demographics.

As different population sectors move to different locations, new opportunities open to commercial investing. For example, ‘sea change’ among baby boomers increased the demand for healthcare services in coastal spots. New suburbs with young families require greater childcare facilities.

# 7 Population growth.

The way it usually happens - new suburbs are established, shopping centres service the increasing consumer demand through grocery stores, cafes and specialty shops, then comes the need for support services and office spaces follow suit. There’s greater need for warehousing and retail outlets as increased consumer spending boosts product demand.

# 8 Understand the risks.

A commercial property investment can be a worthwhile lucrative venture if you do your due diligence and check all the right boxes. With the right tenant in place, it may require very little of your attention.

RETRO REGRETS?

NEVER!

One of the popular interior design trends for 2022 has been decorating with the revival of the ages – mainly the colourful 60s, and funky 70s but even a touch of the 90s home design.

Welcome to the retro home design style. It’s a trendy nostalgic revival bringing strong design elements that stand out – a blend of bold colours, patterns and materials. With 90’s home design, the street art movement that started in that decade returns with a contemporary feel.

WHAT EXACTLY IS ‘RETRO’?

Sources say very similar things about reviving the styles and fashions of the past. The concept of nostalgia has been linked to retro, but in a half ironic, half bittersweet way. It’s like a desire to capture something from the past and evoke nostalgia. In popular culture, the ‘nostalgia phase’ is typically for the two decades that fell 20 or 30 years before the current one.

Before the word ‘retro’ came into use in the 1970s to describe new things that display characteristics of the past, the practice of adopting old styles for new designs was already common. The difference was that people started to refer to the recent past.

Because the everyday objects that used to be considered old-fashioned suddenly had value as ‘retro’, new objects in an old style came into production.

Retro interior design is an eclectic mix of old styles and new forms, or new forms with old materials and finishes - a flash from the past reappears with a modern twist –embracing a kaleidoscope of contrasting design features, colours, shapes and form.

Go retro and you can take risks and break rules. You can sing to your own tune.

A ‘HOW TO DO RETRO’ GUIDE

From a layperson who has observed and read with interest what the ‘experts’ have to say on the subject.

If you want to incorporate retro pieces into your home, don’t go overboard. Mix and match retro items with finds from other eras.

Mid-century modern furniture – think pieces that are curved or angled and feature either bold hues or chrome – is a hallmark of retro style

Seating ideas - bean bags, hanging pod chairs, day beds, and oversized footstools.

Retro style is also known for the use of particular hues— think avocado green, mustard yellow, orange, cherry red and psychedelic colours. Look at Pantone colours named Fiesta, Tortoise Shell, Gold Fusion, Fluorite Green and China Blue for ideas. Remember how popular pastels were, and seafoam greens.

Don’t forget about pattern and texture, including bold wallpaper, shagpile, rubber, timber, felt, cork, carpet, wool, faux leather, glass, neon lights and mood lights. These things are clearly favourites when it comes to interior designers and retro trends:

WOOD

Take a modern twist on the dark, walnut-colour wood paneling of the 70s with something that is a bit lighter or has a more natural woodgrain. Simply add interest to a space with a mid-century wooden armchair.

KITSCH IS GOOD

A few kitschy elements can be a fun way to give a room personality, or you can get serious with the likes of retro-style appliances by Smeg and others in the kitchen.

GRANNY CHIC

Millennials take inspiration from how their grandma decorated her home in the ’80s and ’90s - pleated lampshades, fringes, ruffles and florals.

SPACE AGE

Retro is furniture with chrome detailing, unusual shapes and bright colours. Channel the house in The Jetsons right now. But just introduce one or two pieces of this space age movement, unless you want it to look like you live on a distant planet from your favourite sci-fi show.

DESIGN-FOCUSED FURNITURE

The epitome is a sideboard with tapered legs.

BE BRASSY

Add brass vases and sculptures for an instant retro touch or be more subtle with a fine brass handle. Brass and mid-century teak furniture are appealingly retro.

SOFT EDGES

Organic, rounded edges replace sharp geometric shapes.

MORE COLOUR

Throw out the rules about where to bring in colour and it could be with art, a statement sofa or colour on the ceiling. Six colour trends that designers say are emerging in homes once more are chartreuse, orange, ochre, sage, lavender and mauve.

Did retro style really ever go away?

Many suggest not, noting that we have always had interiors borrowed from the past and mixed in with the present. The internet and social media have exposed the retro style in a way not seen when we relied on the monthly interior design magazine.

Retro style feels more attainable. Old pieces are often good value, considering their build quality and the inherent sustainability factor of buying second-hand. Furniture or decor that may once have been overlooked in the op shop now works in a space, and the millennials especially seem to be loving it.

WHAT DEMOGRAPHICS CAN TELL US

Demographics is statistical data relating to the population and particular groups within it, based on a variety of factors such as age, race, gender, employment, education and income. It is important in real estate as a valuable piece of the property puzzle for those looking for buy or invest.

The type of property and that property’s location are of equal importance. An investor especially wants the property to remain popular with others.

Having an idea about a neighbourhood – through data like median income, average home value, the average number per household, school ratings and distance to amenities - really helps.

For example, it is useful to know the age of the population attracted to the location.

We hear that millennials are renting smaller houses, while baby boomers prefer living in larger accommodation.

The important message here is that their renting habits differ. Consider also the ‘great Australian dream’. It is arguably still alive and well for most. What that home and dream looks like differs between the generations.

A survey conducted by Bankwest earlier this year uncovered a generational shift in buyers’ preferences, with the next generation of home buyers seeking cheaper living options.

In a survey of 1,600 Australians, 60 per cent preferred to purchase a free-standing house, just 15 per cent would opt for an apartment, and 12 per cent would accept a duplex or town house.

It was the younger members of the population who showed a greater appreciation for apartment living. Twenty-eight per cent of Gen Z survey participants said that they would choose an apartment. This is almost double the national average and the highest percentage across generation brackets.

Affordability is an important factor for young Australians and a much greater issue for Gen Z than for previous generations, so it is understandable that the concept of apartment living may come more naturally to them than to older home buyers. A desire to stay close to urban city centres is another likely factor behind this preference.

Millennials tend to be the most active home buyer demographic, but they too are highly influenced by affordability. The survey found that 14 per cent were willing to buy a home that needs renovating if that kept the purchase price down.

Gen Z and Baby Boomers weren’t so keen on having to do any immediate work on a property with 53 per cent and 65 per cent respectively saying they wanted a home ready to move into. Millennials, however, were a great deal more amenable.

Following on from that thought, Millennials proved to be the least fussy of all home buyers, with results much lower than the national average when asked to consider the ten most important factors in home buying. They were less concerned about safe location, good air conditioning/ heating, close to key infrastructure, roomy inside, low cost of living, good-sized outdoor living space, undercover garage/ sufficient parking, a secure environment, and an environmentally friendly home.

Markets are both positively and negatively driven by the demographic of an area. Often, certain areas feature certain professions and those that offer higher income and more stable employment may drive up property values. This often comes with a higher percentage of owner-occupied properties.

When it comes to investing in property, to live in or to rent, a lot of knowledge and advice can be gained from the experts as well as family and friends. Look for the right location, with quality neighbours.

Lifestyle precincts, employment hubs and school catchments remain good indicators, but remember to look for areas and properties where future buyers or tenants will want to live. The right location with the best demographic will attract the quality tenant or desirable buyer.

Consider also the ‘great Australian dream’. It is arguably still alive and well for most.

Of the 8000 -plus islands dotted around Australia, relatively few are privately owned. State governments typically own most islands, including Kangaroo Island in South Australia, Flinders Island in Tasmania, and the world’s largest sand island, Fraser Island in Queensland.

There is another Fraser Island; and this 30-hectare FREEHOLD paradise in the Gippsland region on Victoria’s east coast is for sale.

The extraordinary opportunity to list the island came to Daniel Schoeman, RE/MAX Genesis, after its owners were made aware of his reputation for exceeding expectations.

Now a buyer’s once in a lifetime opportunity, the island boasts an airstrip, a nine-hole golf course, swimming pool and tennis courts, plus hectares of untouched magic.

The grand 100-year-old ‘Kawar’ homestead has wide sweeping verandas, 11 bedrooms, a kitchen perfect for preparing feasts, a spacious dining room for large gatherings, and multiple fireplaces. The sprawling green lawns at the front, the 360-degree view of the water, the private beach and the wildlife add to the magic.

Fraser Island can be reached by boat, with current owners ferrying guests from Kalimna or Lakes Entrance jetty, or guests arriving in style by private light aircraft.

ISLAND FOR SALE

Yes, you read that right!

This is one of the more unique listings the RE/MAX Australia network has seen. Fraser Island is offered as ‘Expression of Interest’ and could well prove one of the most valuable too. It should reach well above any island sales of the past couple of years.

A specialist agency was listing nine islands for sale in June this year, including Duke Islands, Sweers Island and Quoin Island in Queensland, along with Ninth Island in Tasmania.

Queensland islands figure strongly. At the time of writing, the 3.13-hectare Victor Island, a six-minute helicopter ride from Mackay Airport, and Pumpkin Island off Yeppoon were on the market.

A 9.3-hectare slice of Hook Island in the Whitsundays sold in June and the purchase of the

147-hectare Dunk Island, trashed by Cyclone Yasi more than a decade ago, was settling in July.

Islands often come with stories. Take the sixhectare Pumpkin Island. It was an oyster farm owned by a guy called Snigger Findlay prior to 1961. A couple wanted to buy it, but he wouldn’t sell. There was a poker game challenge and Snigger lost and subsequently sold to the couple for £60. In 2003, the Rumble family bought the island for a mere AUD1.3 million after seeing an article in the newspaper.

So, if you fancy creating your own island story, in a stunning part of the world roughly 4.5 hours’ drive from Melbourne airport, Fraser might be your island home. Or you may prefer to fly in.

TRENDS BATHROOM

Despite being probably the smallest room in the house, they are getting larger and making a statement. The bathroom, the ensuite, the powder room… according to one major retailer, people are spending an average of $25,000 on the bathroom, which is up 15 per cent on last year though rising cost undoubtedly impact that too.

Bathrooms have clearly shed some of the mundane trappings of the past. They have gone from merely being utilitarian to more aesthetic and fashionable.

Where are we heading with bathroom design?

Bathroom of 22/23 are likely to combine practical functions and aesthetics, with a continuation of popular decorative trends of recent years.

These are considered among the hot trends:

LARGE-SCALE MARBLE FINISHING. White marble, used for floors and walls, is sophisticated and timeless. Ceramic finger tiles, marble mosaics, glazed subway tiles and terrazzo remain in favour.

MIRRORS WITH DESIGN CREDENTIAL. Illuminated round or oval mirrors can be paired, single, or make up an asymmetrical composition.

They come in finishes that match other bathroom joinery. Finely detailed frames win over frameless. Hidden LED lighting creates a floating effect that is particularly stylish against a dark background.

GLAMOR INJECTION. Gold Accents appear in tapware and handles, in in the form of lamps, mirror frames and furniture legs.

NATURAL ELEMENTS. Invite ‘the outdoors’ in with wood, slate tiles, the use of pebbles, living plants or a window with a ‘secret garden’ view. Look for a rough stone washbasin bowl, a hanging wooden cabinet shaped like an inverted mountain peak, flowers and scented candles.

ELEGANT BATHTUBS. Oval is a key trend, as is to use non-traditional colors and materials like wood, stone, marble and black-matte finishes.

SENSUAL SHOWERS. We are loving the innovative technology like rainwater showers with multi settings from tingle massage to energizing flow; also, large shower spaces with seats, which double as steam rooms, showerheads for two, and combined bath and shower wet areas.

CREATIVE SINKS. Contemporary styles using unconventional materials and open silhouettes are trending, as are metallics along with round receptacles with matte or speckled finishes.

OPEN SPACE. We’ll see more integrated bathrooms with minimal walls and floating shelves.

With MATTHEW ANDREWS,

Director, Pivotal Financial

MAKE YOUR NEXT MOVE YOUR BEST MOVE

So, you’ve found the ideal property and it’s time to source finance? Here’s how to play your cards right and get a great home loan deal sorted before the settlement date.

Educating the kids, wedding planning, plumbing – there are some things in life that are better outsourced to professionals.

Similarly, when you’ve finally found the home of your dreams, and you need to keep ahead of the avalanche of tasks that follow, using the services of a mortgage broker can make the process a lot less overwhelming.

Basically, there are three ways you can go about getting your loan. You can go straight to your bank, you can look for the best deal yourself, or you can seek the help of a mortgage broker. However, as buying a home is quite likely the biggest single financial transaction that you’ll ever make in your life, it’s important to make the right choice.

OPTION 1. GOING TO YOUR BANK

For some people, it’s natural to go straight to the bank because that’s what you know and trust and it’s probably what your parents did. This can be a mistake. Your bank may take advantage of your not shopping around due to your misplaced loyalty to them. There are dozens of lenders out there who may be offering better deals.

OPTION 2. DOING IT ALONE

You can jump online and start doing loan comparisons yourself. Be aware though that there are differences in criteria, so it’s not altogether straightforward and online calculators will have built-in assumptions. You will need to have a good understanding of the industry and a good grip on the terminology.

OPTION 3. USING A PIVOTAL MORTGAGE BROKER

THE CHOICE IS YOURS.

Any of these three options will get you there but choosing a mortgage broker like us is likely the best way to be fully informed before you commit to a loan.

At Pivotal Financial, we are happy to answer any questions you have, any time, meaning you don’t have to trawl through pages upon pages of Google to find the correct answer. It’s also the most stress-free way of getting your finance lined up in time, so that the home of your dreams doesn’t get snatched up by someone else!

If you’d like to know more about how we can secure a great home loan for you, get in touch today. Make your next move your best move.

pivotalfin.com.au

Having a broker is like having a personal shopper who will research and compare hundreds of available market options in search of the best deal for you. We’re also required to hold or operate under an Australian Credit License. A broker will have access to multiple lenders and multiple products, will be able to compare and recommend suitable loan options, negotiate the loan on your behalf, and guide you through from application to settlement.

“Inspired by the beautiful homes along the coastline of the Mediterranean Sea, blended with the modern day luxury home in mind. A uniquely designed plan of grand proportions, completed and finished with highend quality fixtures and fittings. An exotic combination of custom features are showcased right throughout the home. Features include venetian plastered flooring, 4.6m raked ceiling, Vintage Indian timber frames, vanities & doors, Artusi appliances, stone benchtops, baths & basins, skylights, arch windows, square set cornice, split level living and so much more.

Comfortably entertain outdoors all year round oversized alfresco overlooking the salt-water pool, finished with an outdoor kitchenette, pizza oven, dual TV’s, brick fireplace.

Positioned in the highly sought after, family friend suburb of Boorooma. This particular home is situated on a slight rise on the outskirts overlooking the stunning rural serenity and an exclusive front row seat of the Wagga Harness Race track. A home of this particular calibre is rarely offered to the market and built less than 12 months ago, don’t wait to build your dream home, your dream home is here.

“Introducing “The Grand Finale”, a unique Victorian architectural style home evoking all the nostalgia of yesteryear.

A distinctive home of grand proportions and unique features, a combination of immense history and hidden treasures. Positioned on an elevated block offering soaring views over and beyond Wagga Wagga.

Features Include but are not limited to:

• Cast Iron fence including pickets moulded from the MCG.

• Cast Iron freeze work, brackets, and balustrades.

• Tessellated veranda tiles including border and solid slate bullnose edging.

• 4 x Fireplaces.

• 12ft Pressed metal ceilings.

• 6-inch Cypress Pine floorboards.

• Solid brass light fittings with French glass shades, period light switches and power points.

• Restored leadlight doors and Windows.

• Terrazzo bath and Mahogany Vanity.

• Multiple living and dining areas including large covered outdoor area.

NEW SOUTH WALES

“Located in one of Sydney’s most desirable waterside estates – Breakfast Point, this ideal family home offers superb indoor/outdoor living and boasts a one-off custom design with impeccable attention to detail.

Entertain in style with an open, sweeping floor plan encompassing multiple living areas which effortlessly flow to the outdoor terrace and decks with a private balcony from the master-bed overlooking the manicured gardens and 20ft privacy hedges.

The well-appointed kitchen at the heart of the home features sleek stone tops, top of the range appliances and island bench. Perfect for informal entertaining and family gatherings, the kitchen opens to casual seating and meals area where all participants are easily included in food preparation.

Currently configured with a large bedroom above the garage, this spaces will work equally well as a further living area, rumpus, large home office or teenage recreational area.”

“Occupying a prime 3rd floor position of the prestigious “Providence” building, this spacious apartment boasts a large combine living & dining area and an entertainers balcony with a private and unobscured outlook.

Featuring lush carpet throughout living spaces, a large bedroom complete with built in robe, stone bathroom and a luxuriously appointed gourmet kitchen with stainless steel European appliances, this apartment offers a feeling of space and size, that would suit any purchaser or investor.

Including air-conditioning with plenty of storage and a separate study/utility room, the Providence building is highly regarded as it is the latest release within

The home has been recently renovated and presents perfectly. Large (600 x 600) tiles grace the floors for an easy to clean environment. Upon entering the apartment you are struck by the light and space, the free flowing layout and the white on white minimalism of the rooms. The oversized lounge room opens to a dining space, the kitchen, a breakfast space and a private balcony. It is truly an entertainers dream with a kitchen featuring European appliances, a wealth of bench space and the most storage we’ve ever seen in an apartment. For sale by Openn Negotiation.

NEW SOUTH WALES

This stunning Porter Davis Marriott 47 is not only a home that oozes style and sophistication, but combined with its stunning water views and deep water access to the Pumicestone Passage makes it the ultimate lifestyle property.

Situated only minutes from the Bribie Island shopping centre, minutes from the award-winning Banksia Beach State School, 4 minutes from the extensive walking and cycling paths of the foreshore, 54 minutes from the Brisbane International Airport and just over an hour from the Brisbane CBD (all according to Google of course).

The home boasts three completely seperate living zones, 5 great-sized bedrooms all with private ensuites or direct bathroom access, all bedrooms feature walk-in robes. The master suite is something that needs to be seen to be believed. Not only is the size phenomenal, there’s a walk-in robe to die for and an ensuite that would not be out of place in a luxury hotel, all with views of the canals and the most amazing sunsets.

FOR SALE

SEA AND TREE CHANGE

Overlooking the pristine waters of the Pumicestone Passage and positioned on half an acre of superbly landscaped land, this uniquely eco friendly and low maintenance multi-level Mancorp home will make you fall in love.

Overlooking the pristine waters of the Pumicestone Passage and positioned on half an acre of superbly landscaped land, this uniquely eco friendly and low maintenance multi-level Mancorp home will make you fall in love.

This property has been built to take advantage of the ever changing views of the Pumicestone passage and beyond. Whether it be from behind the picture windows of the meals area or one of the five separate balconies, you can enjoy views of the Pumicestone Passage on one side of the house or your own tropical oasis on the other.

CLAIRE UTTLEY

OFFERS OVER $2,100,000 View: www.rem.ax/3vXsZds

CONTACT: 0413 469 993 claire.uttley@remax.com.au

Claire Uttley Realty in conjunction with: RE/MAX Advanced

FOR SALE

QLD, Australia

4 2 2 3

This property has been built to take advantage of the ever changing views of the Pumicestone passage and beyond. Whether it be from behind the picture windows of the meals area or one of the five separate balconies, you can enjoy views of the Pumicestone Passage on one side of the house or your own tropical oasis on the other.

Close to shops and public transport, go fishing or crabbing directly across the road, walk, ride or run to either the national park or Banksia Beach on the sealed bike/walking path, and never get sick of the stunning sunsets with Pumicestone Passage as the back drop. This property is more than a just a house but it is more of a whole life changing experience.

Close to shops and public transport, go fishing or crabbing directly across the road, walk, ride or run to either the national park or Banksia Beach on the sealed bike/walking path, and never get sick of the stunning sunsets with Pumicestone Passage as the back drop. This property is more than a just a house but it is more of a whole life changing experience.

Rarely do homes located this close to the beach become available. You will wake every morning and go to sleep every night to the sound, sight and smell of the magnificent ocean.

Rarely do homes located this close to the beach become available. You will wake every morning and go to sleep every night to the sound, sight and smell of the magnificent ocean.

This premium beachside private haven has so much to offer from the captivating sea glimpses, high ceiling’s throughout, the multiple bright, light-filled spaces, and an office overlooking Moreton Island.

This premium beachside private haven has so much to offer from the captivating sea glimpses, high ceiling’s throughout, the multiple bright, light-filled spaces, and an office overlooking Moreton Island.

OFFERS OVER $1,475,000 View: www.rem.ax/3CeuLez

You will quickly find this boho, beach’y home has wonderful use of natural light, soft tones, and evokes the breeziness of the beach, basically, it feels like summer year-round inside your home.

You will quickly find this boho, beach’y home has wonderful use of natural light, soft tones, and evokes the breeziness of the beach, basically, it feels like summer year-round inside your home.

CLAIRE UTTLEY

CONTACT: 0413 469 993 claire.uttley@remax.com.au

You’ll love entertaining indoors and outdoors.

You’ll love entertaining indoors and outdoors.

Claire Uttley Realty in conjunction with: RE/MAX Advanced

If you’re a couple or family looking for a beachside holiday home, weekender or a permanent beach-side abode look no further!

If you’re a couple or family looking for a beachside holiday home, weekender or a permanent beach-side abode look no further!

54 White Patch Esplanade, White Patch

QUEENSLAND

Set in the most prestigious waterfront enclave of homes on stunning Seaside Dr, Banksia Beach on the increasingly popular beautiful Bribie island. You will feel that every day is a holiday here in your own resort style island home.

Situated 50 minutes to Brisbane Airport, and one hour from the Sunshine Coast and Brisbane CBD, this impressive home designed by ‘Robin Payne’ and built by ‘Mancorp Quality Homes’ on 1039m2 faces north over the sparkling waters of the Pumicestone passage towards the Glasshouse Mountains, giving deep water access straight out to Queensland’s amazing islands, and spectacular fishing.

This home is open plan, tropical, private, rustic, loving and spacious. The guest wing is self sufficient having access to its own well appointed bathroom, double built in robes and looks out through louvre windows.

Conveniently

Conveniently located approximately 650m to the Wynnum North Esplanade, this modern residence has all the elements that make an excellent family home. Set over two levels, this property offers privacy and a well thought out floor plan with generous spaces both up and down. Situated in this accessible location, and within walking distance to amenities, including Esplanade, schools, shops and transport, this home represents fantastic value in the marketplace!! Ideal for your next wise investment or family home, don’t delay in contacting Travis & Zoe of The

Wynnum North Esplanade, has all the elements home. Set over two privacy and a well thought generous spaces both accessible location, amenities, including transport, this home marketplace!! Ideal for family home, don’t delay The Gill Team today

Team today to secure this property... A short walk to parklands, transport, easy access to Port of Brisbane and Gateway Motorway and situated within the Wynnum State School catchment, this is an opportunity not to be missed. Only an inspection will truly divulge just how much this home has to offer and the unbelievable value that it is!

A short walk to parklands, Port of Brisbane and within the Wynnum State opportunity not to be truly divulge just how the unbelievable

This spacious and welcoming family home offers exquisite privacy from every aspect!

Positioned on the high side of Grassdale Road, a design that possesses dramatic architectural elements and soaring ceilings, this home is 17km from the CBD yet feels a world away. Positioned upon almost 2.5 acres of lawns and gardens planted to suit the Queensland climate, this 5 bedroom home will captivate families, catering for every age and stage and offering a sanctuary away from the busy world.

The elevated, flood free block captures breezes from the bay and features a magnificent covered outdoor resort-style entertaining area with glistening pool and spa. Offering the convenience of a circular driveway with 3 car internal access lock up garage and further off street parking for cars, boats, trailers and caravans. With a stylish entertainer’s kitchen in the heart of the home, step into a streamlined and functional cooking zone with multiple preparation areas. This is a home of spacious proportions that can easily accommodate a growing family while maintaining a comfortable and an inviting ambience.

A magical luxury retreat. Wake up to the calling of Kookaburras and the morning song of parrots, lorikeets and the abundant local bird life in Ridgewood Downs. Meander up Sanctuary Drive and switch off from life’s stresses and relish in the blissfully scenic landscape and resident wildlife. It’s no wonder this address has been called the best place to live in Brisbane.

- 4 Generously proportioned bedrooms, plus Study/5th bedroom (home design offers easy Dual Living options, & versatility to create additional bedrooms if required).

- Huge Master with custom WIR & an ensuite to die for… Floor to ceiling 900x600 Tiles, freestanding bath, in-wall cistern & luxury 2pac double vanity.

- Imported ‘Perrin & Rowe’ tap ware.

- Stunning Timber floors sweep throughout the home, and Basket-weave parquetry flooring downstairs.

- Showpiece Kitchen will have you marvelling and, features 60mm ‘Statuario’ Stone, 900mm Miele Oven with Gas Cooktops, ZIP Tap (Filtered, cold & sparkling Water), ample storage & Butlers pantry/Laundry

- Large, open Plan Family living via Timber Bi-folds onto the full length Viewing Deck (a very special retreat area indeed) + accessing the extensive function area/decks with built-in BBQ & pizza oven!

Positioned at this prestigious Thornlands address, this pedigree property sprawled out over a prime 6000m2 of real estate ticks all the boxes... enter the grounds and become immediately impressed as you meander through the gated grounds and arrive at a very elegant 620m2 low-set home!

- Large, separate fully self-contained 2 bedroom flat / Dual Living incl. Open plan living & dining - this design is perfect for in-laws, older kids, or even to AirBnb (including separate garages, only joined by a huge communal laundry).

- Stunning Kitchen, with stone, double oven & ample storage flows effortlessly into open plan living & dining.

- Massive sunken rumpus/games room with wine display.

- Home Cinema with Projector & Surround Sound

- Extensive Poolside entertainer with second raised gazebo - set with sandstone & enjoying the perfect vista towards the home Tennis Court (with lighting) & the rolling lawns.

QUEENSLAND

Absolute beachfront living awaits. No expense spared, this 5-star residential apartment redefines luxury with immaculate finishes and superb facilities. Perfectly North-East facing with spectacular views over Surfers Paradise beach, this generous 11th level apartment is spacious and light-filled.

HIGHLIGHTS

- Ducted airconditioning and heating - Washed driftwood grain floors - Solid stone surfaces to kitchen (18mm New York Marble) bathroom (18mm Gun Smoke Onyx) - Gourmet kitchen with gas cooking, Miele appliances and integrated fridge and dishwasher - Luxurious ensuite with deep free-standing bathtub and ocean view - European laundry with dryer included - Large outdoor entertaining and dining area - Roller blinds (provision for electric / automation)

One of a kind and meticulously renovated from topto-toe to showcase the very best of the popular maximalist interior design style, this Woolstore apartment in the historic Winchcome Carson building is absolute luxury living in the heart of Teneriffe. Every detail has been thoughtfully planned to give a feeling of opulence as well as functionality and liveability.

From the famous, cavernous communal foyer areas, rich with history, you are welcomed into this stunning home through a dedicated entry hallway featuring checkerboard Italian floor tiles, and the first of three colourways of La Palma wallpaper to be found in delightfully playful places throughout the property. Antique Entry doors salvaged from a hotel in New Zealand are the transition point from the entryway into the living areas, which feature solid timber chevron flooring made from imported French Oak.

With a sizeable, resort-style swimming pool, barbecue facilities and manicured gardens within the complex, there is space for children to play, and for adults to enjoy the outdoors in an inner-city community.

Built in the 1920’s, this Queenslander is steeped in history. It was used as a temporary advanced headquarters for the 5th Australian Division during WWll from March, 1942 until approximately July, 1942 where they then moved to the foothills of Mount Stuart.

The current owners have undertaken a restoration ensuring to keep its original features and making it a liveable home. The results are nothing short of stunning, warm and inviting full of charm of yesteryear.

The epitome of historic architectural beauty and sublime elegance. This stunning home is set within an idyllic, private fully fenced 1,527m2 garden retreat which you access through secure electric gates.

A separate 123m2 dwelling towards the back corner of the block but has been used as a teenager’s retreat. This is complemented by a sparkling inground salt water pool surrounded by timber decking.

The owners have created their own idyllic piece of paradise, privately hidden behind a white picket fence and manicured hedges. The only way to appreciate what is behind these is to come and inspect!

The Ultimate Family Entertainer in the Ideal Location

A rare opportunity to acquire an intriguing, innovative and individual property where the focus is on outdoor entertaining.

Set back from a quiet cul-de-sac and two separate high gates for privacy, this stunning dual-living residence is situated on an extensive 1,244m2 allotment of prestige property.

Set back from a quiet cul-de-sac and two separate high gates for privacy, this stunning dual-living residence is situated on an extensive 1,244m2 allotment of prestige property.

3 3

OFFERS OVER $1.6 million View: www.rem.ax/3QAw8YM

JORDAN ARTHURS

CONTACT: 0420 238 314 jordan.arthurs@remax.com.au

The kitchen, bar, and separate outdoor BBQ area are perfectly placed for entertainment. The formal dining area connects the expansive lounge that opens through glass doors to the extensive rear deck, ideal for hosting barbeques with family and friends. This private outdoor space overlooks the fully fenced and landscaped lowmaintenance backyard with a double lock-up shed

The kitchen, bar, and separate outdoor BBQ area are perfectly placed for entertainment. The formal dining area connects the expansive lounge that opens through glass doors to the extensive rear deck, ideal for hosting barbeques with family and friends. This private outdoor space overlooks the fully fenced and landscaped lowmaintenance backyard with a double lock-up shed

Close to Carindale shopping centre, Metropol shopping village and sits in the Mount Gravatt East State School and Cavendish Road State High School catchments.

Close to Carindale shopping centre, Metropol shopping village and sits in the Mount Gravatt East State School and Cavendish Road State High School catchments.

FOR SALE

Il Sogno – The Dream

Setting a new standard for inner suburban living, this new townhome, in a boutique complex of six, offers a sophisticated statement in functionality and aesthetics.

Setting a new standard for inner suburban living, this new townhome, in a boutique complex of six, offers a sophisticated statement in functionality and aesthetics.

33 Cambridge Street, Carina Heights

Situated in a sought-after

pocket of Carina Heights, it has been carefully planned to maximise space, balancing comfort and luxury. Pursuing a versatile yet simple design over three levels, you will discover the ultimate lifestyle package you won’t want to miss.

Situated in a sought-after pocket of Carina Heights, it has been carefully planned to maximise space, balancing comfort and luxury. Pursuing a versatile yet simple design over three levels, you will discover the ultimate lifestyle package you won’t want to miss.

FOR SALE NOW

View: www.rem.ax/3zNweFL

DAVID COTTERILL

CONTACT: 0433 230 680 david.cotterill@remax.com.au

Ambient and open, this residence is oriented to welcome natural light and airflow. The kitchen is designed to form the heart of the thoughtful, open plan design, seamlessly connecting the dining, living and open terrace space. The second level will feature three spacious bedrooms, the master boasting an ensuite & walk-in robe.

Ambient and open, this residence is oriented to welcome natural light and airflow. The kitchen is designed to form the heart of the thoughtful, open plan design, seamlessly connecting the dining, living and open terrace space. The second level will feature three spacious bedrooms, the master boasting an ensuite & walk-in robe.

Only 15 minutes from the Brisbane CBD, live your dream at ‘Il Sogno’.

Only 15 minutes from the Brisbane CBD, live your dream at ‘Il Sogno’.

Entertainer A rare opportunity to acquire an intriguing, innovative and individual property where the focus is on outdoor entertaining.

With only 5 minutes walk to UQ, approximately 2 minutes to the Asian market, walking distance to bus stops, city cat, retail shops and more, amenities are all close by. These brand new townhouses are in one of the best school catchments, surrounded by Ironside State School, Indooroopilly State High School, St Peters Lutheran College and Brisbane Boys College.

Each townhouse features a modern luxury design with a spacious living area and a pool. Other outstanding features include:

Approximately 2.7 m to 3 m ceiling height on all levels

Approximately 4-minute drive to the Toowong Village

Approximately 7-minute drive to Indooroopilly Shopping Centre

Rent appraisal up to $1200/week

Multiple famous school catchments: Ironside State School / Indooroopilly State High School/ St Peters Lutheran College/ Brisbane Boys College

Sequestered at the end of a quiet cul de sac in Telina, and with the Botanic Gardens as a natural backdrop, Covill Court is an oasis hidden away from the world. Presented in spectacular fashion following an extensive renovation, there is nothing to do but move in and enjoy the splendour of lifestyle afforded by the position and privacy.

Set on over an acre of land and built over 3 levels, the home has room enough for all and sundry. The renovation has left no stone unturned in transforming the property into a modern bohemian haven. With thoughtful details throughout and a wonderful array of textures and tones working to create a unique feel, you will be hard-pressed to find a more distinctive and appealing home in the Gladstone market.

4 Spacious Bedrooms on middle level (3 with Walk-in Robes, Master with Walk-in, EnSuite and private deck. On third level is a loft area big enough for another bedroom or kids playroom/tv room.

Extensive kitchen fit for a chef! 2 gas cooktops and 2 ovens. Butlers pantry has room for fridge to be out of sight. Fire place located off the kitchen dining area.

Picture yourself living on the top of a hill with rolling valleys all around you. This home is truly made for both entertaining and everyday living, with plenty of space and fabulous views.

From the moment you walk in the front door you are greeted with a house that has been built with attention to detail being the key. Enjoy an open floor plan, high ceilings and a chef’s kitchen with stainless steel appliances, plenty of cabinets and a butlers pantry.

The heart of this home, the kitchen — with adjoining dining and family rooms — make it ideal for gatherings. Walk outside to your backyard oasis, an undercover patio and captivating mountain views. This property is immaculate, well-cared for, and ready for new owners.

Positioned on over 44 acres, this beautiful property has your own private access to the Brisbane River and spectacular 180-degree views from the top of your very own mountain ridge.

Located on a stretch of the river that the locals call “World’s End Pocket” – a river bend well known for swimming, fishing, camping, canoeing and spotting the occasional platypus.

Featuring a Western Red Cedar main house, a Western Red Cedar farmhouse/studio/workshop, five paddocks, two dams, original cattle yard & driveable access to your own slice of the Brisbane River.

The private drive bends around to the entry of the home. The main home sits with fantastic views, wraparound verandah, glass sliding doors and a spacious third bedroom loft.

QUEENSLAND

Welcome to your new home, a dream come true for those seeking the perfect blend of comfort and convenience. The layout offers four bedrooms and two bathrooms, which is ample space for a family looking to move, play and entertain. Plush new carpet is on show underfoot, there is fresh paint throughout as well as air-conditioning, ceiling fans and timber blinds to make this a move-in-ready home.

For those who love to cook, a 900mm 5-burner gas cooker awaits paired with stone bench tops and a walkin server’s pantry where you can tuck away the daily appliances. Relaxation is easy in the open-plan living area and there is also a covered alfresco where you can start the day with a coffee in hand as the kids play in the yard.

A work shed is ready for the DIY enthusiast and there is also a two-car garage and plenty of storage throughout. This home was built in 2014 by Plantation Homes and offers the lucky new owners a central location moments from the local lake and parks as well as schools, shops and public transport.

FOR SALE

Tucked away in a quality residential neighbourhood in sought-after Coes Creek, surrounded by contemporary homes on large blocks, is “The Retreat” a brand new boutique land release of 14 flat generous sized blocks with a 3885m2 green reserve a delightful centrepiece.

Tucked away in a quality residential neighbourhood in sought-after Coes Creek, surrounded by contemporary homes on large blocks, is “The Retreat” a brand new boutique land release of 14 flat generous sized blocks with a 3885m2 green reserve a delightful centrepiece.

603m2 - 878m2

Starting from $439,000 View: www.rem.ax/3dy02ic

Block sizes range from 603m2 to 878m2; several directly face Rod Smith Drive to the north, and the others will be accessed via new cul-de-sacs. Civil works commence at the end of October in preparation for building works to commence sometime thereafter.

TRISTAN BROWN

CONTACT: 0403 665 643

MEGAN MANLY CONTACT: 0421 040 807

The Real (Estate) Mum Pty Ltd

In conjunction with:

Block sizes range from 603m2 to 878m2; several directly face Rod Smith Drive to the north, and the others will be accessed via new cul-de-sacs. Civil works commence at the end of October in preparation for building works to commence sometime thereafter.

Offering block sizes significantly bigger than the new estates east of the highway, and also in a wellestablished leafy pocket - there is genuine value on offer here, you can custom-design a wonderful lifestyle home to meet all your needs whilst retaining a decent size yard for alfresco entertaining and outdoor play for pets/children.

Offering block sizes significantly bigger than the new estates east of the highway, and also in a wellestablished leafy pocket - there is genuine value on offer here, you can custom-design a wonderful lifestyle home to meet all your needs whilst retaining a decent size yard for alfresco entertaining and outdoor play for pets/children.

RE/MAX Property Sales 756sqm

This impeccably presented double storey home on a pristine 752m2 block tucked away in a quiet, family-friendly cul-de-sac, in a sought-after pocket of Burnside, offers expansive living with a well-designed floor plan facilitating separation and versatile options.

OFFERS OVER $849,000

View: www.rem.ax/3AncYjM

Across two levels, the home comprises a formal entry, four bedrooms, two bathrooms plus powder room, open plan living, quality kitchen, full length northeast facing upper verandah with delightful, elevated outlook, private covered rear timber decking, separate laundry, and double lock up garage.

Across two levels, the home comprises a formal entry, four bedrooms, two bathrooms plus powder room, open plan living, quality kitchen, full length northeast facing upper verandah with delightful, elevated outlook, private covered rear timber decking, separate laundry, and double lock up garage.

TRISTAN BROWN

CONTACT: 0403 665 643

JAI BARBER

0492 855

Bamboo flooring on the upper level, internal timber staircase, split system air-conditioning, ceiling fans, stone benches, gas cooktop, external access from all four bedrooms, tasteful décor, 6.5kW solar power, rainwater tank, security gated side access, 3-bay shed with 2-roller doors, and abundant onsite parking.

Bamboo flooring on the upper level, internal timber staircase, split system air-conditioning, ceiling fans, stone benches, gas cooktop, external access from all four bedrooms, tasteful décor, 6.5kW solar power, rainwater tank, security gated side access, 3-bay shed with 2-roller doors, and abundant onsite parking.

‘The Retreat” - Coes Creek

QUEENSLAND

FOR SALE

Leave The Hustle & Bustle Of The City Behind

68 Darwin Road, Bauple

Privately nestled on a 5,250m2 allotment this charming property in peaceful Bauple would be perfect for the family/retiree looking to escape to the country and leave it all behind.

• 4 bedrooms main with walk-in-robe and ensuite

• Additional bathroom

• Open plan living with air-conditioning & Fireplace

• Spacious Kitchen

• Double Shed

• Ceiling fans throughout

• Full length veranda with blinds

• 1.6kw solar system & 3 x Water tanks

• Well established gardens, quality bore & small dam.

CONTACT: 0435 875 300

CORRIE HARTLEY

RE/MAX Reach 2 2 4

QLD, Australia

• NBN connected

• Fenced house yard

• Built 2005 Oakvale home

• Approximately 30 mins from Maryborough & 40 mins to Gympie.

Sitting high & dry on an elevated 2-acre allotment in sought after Yengarie, 12 minutes to Maryborough CBD, 40 minutes from Hervey Bay. With a blend of indoor – outdoor entertaining areas this property is sure to appeal to a wide range of buyers.

• Near New Home

• 12 Minutes to Maryborough CBD

• Master bedroom with WIR & ensuite

• 3 additional bedrooms with built in robes

ZAC WILSON

CONTACT:

zac.wilson@remax.com.au RE/MAX Reach 2 2 4

• Airconditioned throughout • Open plan kitchen, living & dining • Modern kitche appliances including 90cm Free Standing SMEG oven w/ 6 burner gas cooktop

Hamptons inspired living with ocean & city views

Inspired by the Hamptons, this cool and breezy split-level home has been architecturally designed with soaring vaulted ceilings and a sweeping timber staircase to the mezzanine-level, master bedroom where you experience an instant feeling of space and provides an immediate statement as you walk through the door.

This home is the perfect blend of charm & versatility with a formal living area, lounging area and dining room, serviced via a servery from the kitchen.If you are entertaining outside or merely want to relax, there are two large deck areas offering different aspects of the sun and shade.

Downstairs has been designed for dual living being completely self contained with a second kitchen, separate bedroom and bathroom affording your guests total privacy.

QLD, Australia

This Queenslander captures the true essence of tropical North Queensland style. This home offers traditionally crafted features of polished timber floors, tongue and groove walls and casement windows with some modern updates of a kitchen and bathroom.

Under the home is fully enclosed with the laundry, entertaining space and undercover car parking. The back yard has a heavenly sense of privacy, space and lots of space for the kids to play and pets to roam free.

Situated within walking distance to Stockland Shopping Centre and less than 10 minutes to the city. Public and private schools and medical facilities are close by. Be very quick as this beautifully presented home is ready for new owners to move in. Book your inspection today.

Proudly presented to the market is a property that epitomises and showcases what Far North Queensland living is all about. With an elevated position this lifestyle property boasts valley and districts views, an abundance of usable land and the added bonus of multiple dwellings allowing for multi-generation living amongst world renown rainforest.

Surrounded by 80 acres of fruit trees and rainforest, the properties dwellings include a tropical pavilion style home with two guest pavilions. Guest pavilions include one fully self-contained guest unit with ensuite and kitchenette with the other containing two bedrooms with adjoining en-suite. The main dwelling includes a central living/dining area with a modern well-appointed kitchen plus master bedroom with walk-in robe and ensuite.

The dwellings are surround by two acres of fully landscaped gardens including a free fall waterfall that reticulates out of the main building and circulates though the ornamental house pond, accessible by a timber jetty leading to the lake with its own eco system of aquatic flora & fauna (fish and turtles).

Positioned to capture the most exceptional easternfacing views of the Pacific Ocean, Cairns City and Southern Suburbs, this Moroccan style residence raises the bars for what is arguably the best views the city has to offer. Featuring an opulent layout across two separate dwellings consisting of 4 bedrooms, 5 bathrooms, multiple living, retreats, and entertaining areas this property demands your attention.

• 360 degrees of uninterrupted ocean, city, and mountainous views

• Formal dining & entertainers’ kitchen

• Multiple living / lounge rooms

• Master suite with WIR & ensuite

• Detached guest quarters or retreat/studio with separate living & ensuite

• Suspended solid concrete rooftop with over 100m2 entertaining area

• 2,000m2 of flat usable land accessed via private driveway and security gate.

• Tower bedroom or bar/ library with ensuite

• Located within proximity to all major amenities and only approximately a 5 minute drive to the Cairns Domestic and International Airport.

Astutely positioned atop a 100-acre parcel of land, sits this stunning executive lifestyle property with 360-degree unobstructed views. Emanating peace and serenity, you can relax anywhere throughout this property without seeing another soul in sight. And from the moment you walk in, you’re greeted with a cool breeze and a sense of home.

With a full recent renovation, the detail within this property is incredible; every element of this home is finished to the highest standard with no expense spared. You don’t want to miss this opportunity.

• Newly installed salt water 50,000L pool, pool blanket and state of the art robot cleaner in custom built powder coated aluminium pool house

• Fully fenced with new fencing installed on 3 boundaries • 3 Bay shed plus extra lean-to area • Shade sails over pool

100 acres of pristine land

Chook pen and chooks

New gardens, garden beds, vege patch & irrigation

Nursery area for growing plants and seedlings

www.rem.ax/3OWve7Q

A must to inspect.

Potentially one of the best homes and layouts in Varsity Lakes. Situated on a 887sqm block of land this home presents beautifully and will astound every buyer that walks through the door. The inclusions and features are endless, the space and floorplan are perfect for the large or extended family, the location is ideal.

The features of this home are endless. There are many options for the extended or large family with multiple bedrooms, living spaces, studies and entertaining areas. The home is spectacular in size, quality and presentation, so make it one to inspect.

Minutes to an abundance of quality public, private and independent schools as well as Robina Town Shopping Centre, local shops, beaches, Bond Uni & Public Transport including buses and train.

The moment you step through the 1600mm wide New Guinea Rosewood pivot door into the truly majestic entranceway, this magnificent home will surely impress those that admire quality at its finest.

Situated on a 943sqm allotment in one of the Central Gold Coast’s most prestigious waterfront streets with unparalleled views across Lake Intrepid, this beautiful architectural deigned property will amaze and astonish everyone who visits.

It can be seen that Interior Designer, Maison Jardin designed the perfect ground floor layout as the area is flooded with an abundance of natural light and captures an elegant style that matches the elite Gold Coast lifestyle perfectly. This coupled with the solid concrete construction and suspended masonry upper level provides optimal heat transfer keeping the home at a comfortable temperature throughout the year.

This strikingly beautiful home epitomises relaxed, coastal living and harmoniously integrates indoor and outdoor living. Upon entering through the large wooden doors, you immediately experience the spaciousness of the design, with its high ceilings and the living zones seamlessly flowing from one to the other. This is evident when you see the rear of the home from the front door and the vast expanses of space above. • Rendered facade with grey cladding, Front and Rear Balcony with glass railing. Wooden ceiling feature at front entrance, with wooden look tiles.

Double Garage, with backyard access

5 bedrooms, Master with large ensuite, Guest bedroom located downstairs with private bathroom

3 living areas (Media, Living and Rumpus)

The Classy Kitchen features Caesar Stone Waterfall breakfast bench, and Butler’s Pantry

Solar 6.6KW, 18 Panels 370W

Ducted Air Conditioning throughout the home

High Ceilings 2740 downstairs and 2590 upstairs

BY NEGOTIATION

View: www.rem.ax/3dtJmZ4

One of Oyster Point’s most coveted addresses achieves captivating context for such an intrinsically elegant, resort-style residence. Beyond the bright, north-facing living spaces and low-maintenance outdoor dimensions of this inviting residence, the natural beauty of Oyster Point provides a backdrop of enduring appeal and perfect privacy - both defining features of this outstanding address.

Luxurious attention to detail underscores the magnificently appointed spaces of this brand-new smart home, masterfully blending timber and stone together in a stunning Smeg kitchen and Butler’s pantry that serves dazzling open plan living with signature flair.

The family credentials of this expansive floorplan are apparent with the inclusion of a theatre room, generous laundry, powder room and walk-in linen concluding the downstairs dimensions.

Redefining elegance and design, this near new (March 2021) penthouse offers unrivalled city living in one of Brisbane’s most desirable lifestyle locations. Whether you are seeking inner city living or a serene urban retreat, this penthouse ticks all the boxes for opulence, convenience, and hassle-free living.

Enjoy unwinding on the expansive balconies soaking up mountain and parkland views with all the needed facilities and life’s luxuries at your fingertips. The tranquil colour palette and timeless design offer unrivalled solitude usually reserved for those who live outside the urban environment.

This home is designed for the buyer looking for refined elegance without compromise. It is not your typical penthouse; it has many luxury upgrades and inclusions not found in most penthouses. It is clear to see why this penthouse is the pinnacle of the Park House Residences and is indeed unique.

An address dedicated to excellence and defined by spaces capturing panoramic postcard views of the Cumberland and Whitsunday Islands and Cape Hillsborough. Set atop 5 acres of lush plantationstyle rainforest, this superb residence offers complete privacy; the perfect balance of indoor allure and outdoor appeal set against a backdrop of uninterrupted ocean views.

Acquired in 1993 and designed by celebrated Queensland architect Chris Beckingham, the man behind the world-renowned Qualia Resort, construction of this exceptional colonial-style residence took an astounding 12 months. Completed in 1995, the architectural masterpiece has remained the tropical oasis of its original owners for almost 30 years. With a lifetime of memories crafted here, the owners have made the difficult decision to part with the property, retiring closer to family and passing on the legacy of this slice of Australian architectural history for new owners to enjoy.

Fabulous entertaining spaces include romantic wrap-around verandahs, three covered pergolas and established gardens.

Immaculate Family Entertainer in Whisper Quiet Setting

Privately nestled in lush surrounds and with generous sky views, this two-story family home enjoys a prevailing sense of peace and privacy, is perfect for entertaining and enjoys a sought-after position moments from Queens Esplanade and access to transport for commuters.

• Tastefully renovated home split across two levels

• Designated home office with separate entrance

• Generous 506sqm block, lush gardens, pet friendly

• Stylish kitchen, stone island & European appliances

BY NEGOTIATION

• Saltwater pool, private covered alfresco entertaining

• Sizeable living, fireplace, media room with direct pool access

• Open plan living, private dining area, air conditioning

• Four bedrooms with robes, master with ensuite

• Home office / ample storage and separate entry

• Concealed serviceable laundry, powder room

• Surrounded by $million designer residences

• Moments to Queens Esplanade, choice of boat ramps, bike and walking trails

Spanning

Encased in rolling greenery, these pastoral views follow you throughout the main house where an expansive, open concept kitchen, living and dining zone awaits. A spacious social hub, gather here for cosy dinners with a banquet-style meals area, with plenty of room to relax in the lounge by the cosy fireplace. Chef’s will love the gourmet

QUEENSLAND

Located in the ever-popular Sanctuary Lakes Estate, RE/MAX ACPA presents to you a fantastic Henley Homes masterpiece boasting a low-maintenance and homely atmosphere living, whilst offering the opportunity to take advantage of the outstanding amenities at your doorstep.

From the moment you step into this beautiful family home, you’ll be overwhelmed by many of its features, including a grand central staircase that leads to upstairs retreat area, expansive open plan living spaces comprising of formal lounge, formal dining, light filled informal living incorporating a well-appointed modern kitchen complete with stone benchtops, quality 900mm stainless steel appliances, pantry, plus ample workspace & storage, adjoining casual dining area & home theatre.

- Close proximity to variety of schools.

- Short drive to Point Cook Town Centre & Sanctuary Lakes Shopping Centre

- Close to bus stops & Williams Landing Station

- Stone’s throw to Saltwater Coast Crocodile Park, Sanctuary Lakes Boulevard Park, Point Cook Soccer Club and many more.

Sprawling across 31ha, Fraser Island is a pristinely preserved ecological paradise. A picturesque montage of coastal landscapes, white sandy beaches, established greenery and abundant wildlife, it is one of the few freehold private islands in the world – and now you have the rare opportunity to purchase it. Revered as one of Victoria’s best kept secrets, this prosperous commercial enterprise offers exclusive accommodation and resort-style amenities, including: • 11 bedroom century-old homestead

Nine hole golf course

Two flood-lit tennis courts

Small private beach

14m x 12m jetty for 1 x 50ft boat or 4 x 18ft boats

Commercial ferry and speedboat • Newly upgraded solar system with backup generator

2 bedroom cottage (used as the on-site manager residence) • Bunkhouse that sleeps 11, gym/games room, workshop/shed to store equipment

Airstrip suitable for light planes

Nestled in a quiet court location, you will be awestruck not only by the priceless views of Bancroft Bay from this home but by all the features and inclusions it offers.

Meticulously designed and built, this stunning home is in one of the best locations in Metung, designed over two impressive levels looking over Metung Yacht Club and Metung Bowls Club, as well as the impressive Bancroft Bay. This home has been renovated and refurbished to a high standard

This immaculately presented home is located in a quiet coastal location & boasts a fresh modern finish with a family friendly layout. Boasting approximately 345sqm of total living on a generous 615sqm block this is your chance to settle into one of the Northern Corridors most desirable suburbs!

Approximately 1km to the tranquil blue waters of the Indian Ocean and nestled in amongst premium ex-display homes, this picture-perfect property is located in a convenient location close to beautiful beaches, local schools, beautiful parks, shops, cafes, bowls club and the ever-popular Iluka tavern. Surrounded by quality homes & friendly neighbours, here at 66 Venice Entrance you will be blessed with quiet surroundings but also close enough to the hustle & bustle when you fancy a night of entertaining.

Simply exquisite in design, this custom built ‘Ventura’ home is instantly appealing to the eye and oozes grandeur from the outset! The impressive, rendered façade, grand portico, triple garage, and extended driveway deliver a look of pure class whilst the fully manicured gardens & ambient lighting offer you the perfect “welcome home”.

Straight out of the wrapper…this brand new sixbedroom multi-level dream home offers something refreshingly different to this established sleepy coastal suburb! Proudly perched on a huge 810sqm block with approximately 387sqm of total living, this modern contemporary masterpiece has been custom built for you and your extended family to move into whilst you sit back and take in the tranquil ocean views in the distance. With so much land at your leisure, you have ample space for boats, caravans, huge workshop, a pool or whatever you desire so the options are limitless! If you want space and style this is the one for you! CALL NOW to book in your private viewing and submit your offer today!

EXTRAS: Double remote garage with high ceilings and roller door rear access, fitted laundry + linen, upstairs powder room, 3x reverse-cycle aircon units, large energy efficient ‘EvoHeat’ 270 Litre water tank, double glazed windows, 2xTV brackets, LED lights, additional power points, ceiling fans, push to eject doors + soft closing drawers in kitchen, skirting boards, garden reticulation (front), and so much more.

WESTERN AUSTRALIA

PART TWO: N TO Z

NEGOTIATION: When the listing agent assists both parties to come together in an agreed transaction.

OFF MARKET SALE When a property is for sale, but it has not yet been publicly advertised. These days, you also may hear the term ‘pre portal’ used.

ON THE MARKET When the bidding at an auction has reached the vendor’s reserve price and will be sold to the highest bidder.

PASS IN If auction bidding fails to reach the vendor’s reserve price, the property is passed in for further negotiation. The highest bidder usually has first go at negotiating.

PRE-APPROVAL This means the bank has given you conditional approval of your home loan and will indicate how much you can spend when you go to auction.

RESERVE The minimum price the vendor will sell for at auction. It can be amended during bidding.

SETTLEMENT DATE The date the sale of the property will be finalised between buyer and seller.

STAMP DUTY A tax applied to transfers of property and mortgages. Stamp duty amounts vary from state to state, and discounts are available for certain purchasers, including first-home buyers.

STCA Subject to council approval. This signals the buyer will need council approval before carrying out a demolition or renovation.

TURN-KEY PROPERTY A property that is ready to be moved straight into, with no further works required.

UNCONDITIONAL OFFER Not subject to any other conditions such as building, pest inspection or financing. All auction sales are unconditional.

UNDER OFFER When an offer on a property has been accepted and the vendor and buyers are in the settlement stage of the transaction.

UNDER THE HAMMER This means a property is going to be sold during the auction process, rather than passing in and selling afterwards.

VENDOR BID A bid placed by the auctioneer on behalf of the vendor to set a baseline for future bids.

WEAR AND TEAR The depreciation of an asset due to ordinary usage.

ZONING Local planning authorities control the present and future development of land.

Millennials catch up to baby boomers in the 2021 Census.

BUYING

We’ll probably see property values keep rising this year but not everywhere and not to the same extent as they have over the last two years.

It does appear certain that rents are increasing. The demand for rental housing will further increase when international borders reopen, because, let’s face it, when people first move to a new country, they usually rent before buying.

Rising house and apartment rent will create affordability issues for many tenants.

It was reported in June that there were 3300 suburbs across Australia where it was cheaper to buy than rent (PropTrack), with Queensland, Western Australia and the Northern Territory having 50 per cent of properties cheaper to buy than rent. The NSW Central Coast suburb of Spencer, on the north bank of the Hawkesbury River, was said to save households $644 a month by purchasing a home.

From a general upswing in property prices across most Australian regions, by about May this year we were seeing the two largest capitals, Sydney and Melbourne, with prices flattening or falling housing values, while in Brisbane and Adelaide prices continued to rise.

Many first home buyers felt they still faced huge hurdles getting into the property market and mortgage holders worried they wouldn’t be able to make repayments.

The property cycle moved into its next stage, aligning with the aggressive interest rate tightening cycle that came with the RBA’s response to a surge in inflation. While offshore factors play their part – and will ease – the RBA felt the need to move quickly and return rates to more ‘normal’ levels.

House prices today are far higher than wages, so the millennials’ side says that buying a house today is far harder because the rate at which property prices have soared is well beyond that of wages growth. True, but there were people who bought in the 1980s and early 1990s paying 17.5 per cent on their loan.

Around 30 years ago, the average house price was only a few times the standard annual income; now it is around 8.5 times the average income according to CoreLogic data. Based on today’s prices, it could take someone on an average income almost 12 years to save a 20 per cent deposit. It is not surprising that we have seen the rise of incentives and schemes to help people into mortgages with lower deposits, along with many tapping into the ‘bank of mum and dad’.

Even so, many first-time buyers struggle to afford the large deposit required to purchase a home, and, according to some research, can take up to five years to save for a deposit.

There was whole generation of borrowers who had not experienced a rate hike until May this year, when the Reserve Bank raised the cash rate from its historic low of 0.1 per cent, the first time it had gone up in 11 years.

Interest rates will continue to rise and perhaps the 30-year, fixed-mortgage rate might nudge five per cent by the end of 2022 as some are suggesting, but it is unclear what rising rates will do to property prices in coming years.

In whatever way the circumstances pan out, let’s hope that no generation of prospective homeowners feels they are forced to turn their back on the ‘Great Australian Dream’. Let’s hope they get to make their own choice.

Then there is the often-debated question of which generation had it harder buying a home.

HAWAII

PLENTY TO LOVE ABOUT HAWAII

The facts - Hawaii, became the 50th U.S.A. state on August 21, 1959. It is a group of volcanic islands in the central Pacific Ocean. The islands lie 3,857 km west of San Francisco, California, and 8,516 km east of Manila in the Philippines.

The island of Hawaii is the youngest and largest island in the Hawaiian chain, hence, its nickname, ‘Big Island’.

The other major islands at the eastern end of the chain are, from west to east, Niihau, Kauai, O’ahu, Molokai, Lanai, Kahoolawe and Maui. The capital is Honolulu, located on the island of O’ahu. Each island is represented by a colour and a flower. There are a total of 91 towns and cities in the state of Hawaii. Each city has a council and a mayor.

HAWAII – ALOHA –BEYOND THE DRY FACTS!

The island has inimitable charm and charisma, natural beauty beyond words, and ‘shorts and a t-shirt’ weather all year round.

Hawaii is exotic yet familiar, and big on romance. It’s easy to get to.

Top reasons to visit

• Spectacular sunsets and sunrises. Exotic floral scents that waft in the air.

• World class beaches including Hapuna and Punaluu on the Big Island, Makena and Kaanapali on Maui, Ala Moana/Waikiki Beach, Hanauma Bay and Lanikai on O’ahu, Hanalei and Poipu on Kauai, Hulopoe on Lanai and Papokahu on Molokai.

• Hawaii Volcanoes National Park on the Big Island, Haleakala National Park and road to Hana on Maui, and Waimea Canyon on Kauai.

• Abundance of seafood and other local food products. No ka oi! (‘no equal’) Culturally diverse foods. Try poi.

• Hawaiian music.

• Hula, accompanied by Mele (song) and by Oli (chanting).

• History – Pearl Harbor on O’ahu. Diamond Head National Monument. Iolani Palace, the only royal palace in the US, on O’ahu.

• Duke Kahanamoku. Birthplace of surfing: ancient Polynesia? Hawaii? North shore of Oahu is one of the world’s greatest surfing spots.

• Activities – snorkeling, scuba diving, visiting waterfalls, lava tubes, black sand beaches and white sand too; cliff-jumping and cliff-diving in Maui. Take the Kalaupapa Hike on Molokai. Sail the Napali Coast on Kauai. Tour a coffee farm in Big Island. See the Nakalele Blowhole on the northernmost part of Maui.

Play one or more of the 70-plus golf courses, like Waialae Country Club and Turtle Bay Resort, which host the PGA.

• Wildlife, including monk seals, green sea turtles, humpback whales, dolphins and unique birds.

BUYING REAL ESTATE IN HAWAII

Land can be bought and sold in Hawaii in certain areas following Hawaiian real estate laws and regulations. Anyone can buy and own property in Hawaii, however there are restrictions on the use of that property.

For instance, foreign owners may not use the property as a permanent residence unless they have a Green Card or a Visa that allows them to stay full time in the US.

Non-U.S. citizens can use the property as an investment or a vacation home.

Non-Hawaii residents will be subject to a tax of 7.25% on the sale price, when and if they sell the property, under the Hawaii Real Property Tax Law, or HARPTA, and there are other various tax forms and regulations as well.

Obtaining finance can be a difficulty faced by non-US citizens though cash sales through a local or foreign lending institution are possible with the proper documentation.

On Oahu, over 60% of all residents live in condos, which are often more affordable than homes, easier to maintain and come with excellent amenities.

Real estate investors like condotels, which allow short-term holiday letting under 30 days, because they maximise rental income potential and rental flexibility.

PLEASE CHECK ALL INFORMATION WITH THE RELEVANT AUTHORITY.

What people say about living in Hawaii

Hawaii has a unique personality, and greater emphasis on family and relationships.

The weather is incredible.

The roads and highways are in good condition.

Hawaiian culture is often loving, warm, and fun.

Crime levels are relatively low.

Island life tends to move at its own pace.

Hawaii can be an expensive place to live, especially if you need to rent.

The cost-of-living changes depending on which island you choose to call home. For example, O’ahu will require a higher wage to live comfortably than Kauai or the Big Island.’

Want to know more?

Contact RE/MAX Honolulu www.honolulucollection.com

COMING TOGETHER

Asemi-detached house is a property that shares one common wall with the adjoining house. Typically, semi-detached houses are built in pairs with similar floor plans and layouts and are situated side-by-side. Each house has its own block of land, entry, and outdoor areas.

The semi was once the poor cousin of the freestanding house but, today, are often a more affordable option for buyers, with a smaller footprint and a backyard that may double as off-street parking.

The semi-detached style of housing in Australia derived from the UK concept for mass workers’ housing in an urban setting. After being popular in Australia in the early 1900s, it fell out of favour in the inter war period as it was associated with a low socio-economic demographic.

The semi-detached has had a comeback and is in vogue today.

Initially in Australia, semis were often textbook copies of the UK design, but our less formal lifestyles brought about changes. Dining and living areas became better connected to the kitchen and outdoor areas.

These days, a semi is not seen as dissimilar to a freestanding home. It allows you to have your own piece of dirt and title as opposed to a multi dwelling property where people are living one on top of each other.

It’s a happy medium in many ways, and with living expenses and the cost of land and housing as they are, semi-detached homes lend themselves to the modern housing challenge, especially where land is at a premium.

In Waverley, Sydney, for example there has been a significant increase over the past five years in development applications for the demolition of single dwellings, and the construction of two-storey attached dwellings e.g. semis, fuelled by the substantial increase in land values. These days, semis are being designed and built to have their own personality and streetscape, while designers are doing clever things internally to counter the shared windowless wall, like locating all bedrooms on the outer sides and locating stairs on the wall side with an elevated roof above to bring in natural light.

The main disadvantage of semi-detached homes many be having less privacy than with a detached home. You might also need to coordinate with your neighbour on big renovation projects.

Offering more privacy than an apartment or townhouse but less maintenance than a house, semis can be found in some of our country’s best locations. Don’t expect bargain basement prices through.

Overall,

semi-detached homes are more financially accessible.

They are sometimes smaller than detached homes; however, they still offer a relatively large space and the opportunity to own the land on your side.

Semis have smaller backyards, meaning less maintenance time, while maintenance expenses for your side are lower in comparison to a detached home on a larger piece of land.

Semi-detached

for sale in June 2022

NOOSAVILLE, QLD - 3 Bed & 2 Bath - $720,000

BUDERIM, QLD - 3 Bed & 2 Bath - $1mil

SURRY HILLS, NSW - 3 Bed & 3 Bath - $2.39 mil

MARRICKVILLE, NSW - Victorian-style, 5 Bed & 3 Bath - $1.8 mil

THE HILLS SHIRE, NSW - 3 Bed & 2 bath - $950,000

TIP – Find out whether the common wall has good insulation.

Young investors should be looking confidently at property.

SUCCESS OCCURS WHEN YOU BUY WELL

Have you heard this one? You make your money in property when you buy, not when you sell. That remains true: if you buy the right property, in the right place, for the right amount and at the right time.

What about this one? Stick to locations that are within two hours’ drive to a capital city. Or this? Coastal locations perform better than inland.

Leave those behind with past generations of investors please.

Bendigo in Victoria is not coastal, but it outperformed each of Australia’s five largest capital cities for average annual capital growth across the past 20 years. Other regional locations that performed better include Launceston in Tasmania, Cessnock and Coffs Harbour in NSW, and Noosa and Gympie in Queensland.

‘Capital’ city doesn’t necessarily equate to capital growth. Twenty-four of the top 28 cities and towns with Australia’s highest median house price are regional. There are around 400 towns and cities in Australia. 200 regional townships have a population of 10,000 and above. Every year more Australians relocate to regional locations than to capital cities.

A geographic area may have jurisdictional boundaries, but these are just arbitrary lines on a map and don’t denote how well or otherwise a property market will perform.

If you are interested in reading more, visit this website www.propertyology.com.au

Buy in a location that has the necessary fundamentals for long-term price growth and rental demand. Buy with a stable financial position to support you.

SET UP FOR THE FUTURE

PROPERTY IS VALUABLE

The property purchased by the investor has a safety net in its own value. If by some unforeseen circumstance the loan had to be paid out early, a good investment should not be difficult to sell and its value should cover any outstanding debt. The property may have risen in value since purchased. Lenders generally prefer to work with investors to find a workable financial solution.

INTEREST RATES, THOUGH RISING, ARE STILL INCREDIBLY LOW

The current interest rate environment is the most affordable in most people’s recent memory, with little chance that the RBA will take it anywhere near those historic double-digit heights.

Even if the cash rate was 2.5 per cent at the end of this year, it would still be one of the lowest rates in the past 32 years.

PROPERTY IS A LONG-TERM PERFORMER

The longer the investor holds the property, the more it will contribute to their wealth through compound growth and rising rents.

Stick with your long-term investment strategy and don’t be panicked by short-term blips. Even now, in an environment of rising interest rates, they could be falling again next year. From history… The standard variable home loan interest rate was 6.5 per cent in 1970, then a whopping 17 per cent in 1990 but median house prices rose in every location across Australia in that period.

Property is less volatile than other popular forms of investment, and easier to borrow against for further investment. Lenders see Australian residential property as a low-risk option with excellent long-term potential, so they’re happy to lend against it.

This is a good time to look at investment opportunities in property. You want to choose the best possible property for your own budget, financial situation and risk profile. Establish your purchase plan and investment strategies - sort your finances, do your research and be clear on your goals. Importantly, take your information from reliable sources rather than alarmist headlines.

Remember that doom-and-gloom predictions about where the real estate market is heading have rarely come to fruition. Australian residential property offers the young investor a sustainable, reliable wealth creation strategy over the long term. Well-informed property investing should result in an asset that will see continued demand from both renters and buyers for years to come.

ON LOCATION

Located midway between Sydney and Melbourne lies Wagga Wagga, the largest regional inland city of New South Wales, a vibrant centre in the heart of the Riverina region.

There’s no mistaking the natural beauty of the region, with its beautiful national parks, lakes and rivers, and the city’s four very distinct seasons boasting snowy mountains in winter, perfect summer conditions for water play, and the gorgeous seasonal changes of spring and autumn.

Wagga Wagga is a city steeped in history with a strong agricultural and transport industry. It is also home to the one of the country’s major Defence Force bases.

With all the comforts and facilities of a major city, residents are well-equipped to enjoy all the city has to offer, including a relaxed lifestyle within the natural beauty of the region.

“The value the area offers excites buyers in the investor field and to the growing family. The area has provided an attractive real estate market for many years; and, with workforce changes and more staff working remotely, the interest from the capital cities is growing.”

- Jenna Pollard, RE/MAX Elite

EXPERIENCE WAGGA WAGGA

If a long weekend exploring a beautiful city and surrounds is on your radar, Wagga has plenty of beautiful, fun and varied places and activities to bring back your spark.

DAY 1: Get ready to stretch those legs on the beautiful Wardjuri Trail. Enjoy stunning attractions such as the Marrambidya Wetland, see stunning flora and fauna or enjoy elevated city views on this 42km loop around the city. If the weather is warm, why not enjoy some water play on the Murrumbidgee River?

DAY 2: After all that exploring yesterday, why not explore a little way out of town and head to the Junee Liquorice and Chocolate Factory? Treat yourself to something sweet, take a tour of the factory to see how they’re made and enjoy lunch at the restaurant. On your way home, why not stop at Wollundry Grove Olive Estate and enjoy a farm tour and tasting?

DAY 3: Set across 22 acres in the heart of Wagga is the Botanic Gardens. With beautifully maintained garden areas, playgrounds and a miniature railway, the gardens are also home to the free attractions of the Wagga Zoo and free-flight aviary. Why not end the weekend with a wine tasting at Borambola Wines, just south of the city? Enjoy beautiful views from Borambola Homestead, which dates back to the 1880s.

AN INVESTOR ASKS…

What is the ideal property manager profile?

Choosing a property manager to take care of your investment is an important decision because it directly affects your finances and the success of your investment in property.

A property manager offers a special level of service through a diverse range of skills and experience, which will take the headaches out of property investment. Gone are the days when property management was simply about collecting rent. Changes in legislation and the level of service required by tenants and landlords have made property management a specialised division of real estate.

Considerations in property manager selection include:

• Possess excellent communication and liaison skills.

• Offer themselves to discuss any aspect of your investment needs, including property assessments for expected rental return, current marketplace developments and independent review of potential investment purchases to ensure you’re fully informed.

• An ability to accurately appraise your investment property so the outcome is always a quality tenant quickly.

• Communicating the importance of presentation to attract the right tenant who in turn will pay the rent on time and respect the property.

• C arry out in-depth tenant selection and induction, which leads to tenants who are fully educated on expectations.

• Produce and make available comprehensive incoming inspection reports, including photos, at the tenancy start.

• Have processes and systems for property inspections that ensure the property is kept well maintained and are able to quickly follow up if anything is found to be unsatisfactory.

In summary, a by-no-means comprehensive list of what property managers do:

• Give you the benefit of their market and industry knowledge, experience and specific skills.

• Market your investment.

• Find and select good tenants.

• Manage your rental property/handle payments.

• Handle administration/paperwork.

• Negotiate leases.

• Perform regular property inspections.

• Keep you informed through a diligent reporting process.

• Administer and supervise maintenance and repairs.

• Handle disputes with tenants and represent you at tribunal.

Decision-time tips

Talk with other landlords about their experiences. Referrals are good, see who they recommend.

Go in with a list of questions – and know that no question is ‘too silly’ to ask, whatever you think.

Ask how many properties the property manager is currently looking after, and how your property will fit into his or her system.

Make sure everything is set out clearly in the management agreement and that you understand it all.

Is engaging a property manager worth it?

When it comes to what you end up paying your property manager, it’s essentially down to sensible negotiations. Property management fees vary but like most things, you get what you pay for. There is little point in seeking the extremely low management fees only to find you are receiving below-standard level of service.

THE BACKYARD ROOM

with Jennifer Kent

You can always build more buildings, but you can’t build more land. And although we have a lot of land in our vast country, we do need to make the most of the space we have.

As our lives and lifestyles change, we might find ourselves needing to rethink the way in which we use our property.

Upgrading our homes – either by buying an alternative property, or by renovating – can seem the most obvious option for opening up existing spaces or adding new, but it may not always be the most practical or economical solution.

Re-arranging rooms inside the home or clearing out the garage may not be the only way to find the additional useable space you desire.

Our homes are full of life, just the way they should be. Different personalities and priorities, brought together with love, which can sometimes mean a whole lot of noise and clutter.

Imagine bidding adieu to that beautiful chaos for a time, wandering through your garden and opening the doors to your own private sanctuary. Sounds nice, doesn’t it?

Enter… the backyard room.

Whether it is a space for dedicated work, a space for mindful quiet, or a space to enjoy your hobby… it is a space that is, quite simply, yours.

And while the humble shed still has its purpose, sometimes it simply might not cut it for the purpose you have in mind.

It might better serve you as a comfortable extra room than a storage space, a room that not only houses your belongings (whether they are toys, art, extra furniture, tools or something else completely), but allows you to give life to the space, taking it from four walls, a floor and ceiling, to something more.

ROOM

ARTIST STUDIO: for creatives who need space to fully immerse in their craft. Dull the distractions by creating a dedicated space to completely focus on artistic expression.

WORKSHOP: Tools take up space, and it’s always better to have more, right? When the old shed full of spider webs simply doesn’t cut it anymore, create a working space to enjoy mending, tinkering and creating.

OFFICE: Having a dedicated, quiet workspace, without the distraction of home life/mess is important. Sometimes replicating the office environment can’t be achieved inside the home. If your job involves meeting clients, an external space can also provide a professional and comfortable place to do business. Finish the workday and literally skip on home.

GARDENER’S STUDIO: when your love of gardening has outgrown the bench or table out the back. Being surrounded by greenery has huge benefits for our health and wellbeing. Create the working space where you can be immersed in it. Call it what you want – a potting shed, propagating room or greenhouse, for example.

TEENAGER’S RETREAT: for when the kids have outgrown the rumpus room and need their own space.

Whether you need the space for a hobby or work, creating this space away from the everyday household can not only provide a practical solution, but also a quiet space, a sanctuary if you will, to immerse yourself in whatever it is you’re using it for – work or play.

MAKING IT LIVEABLE: PRACTICAL MATTERS

The addition of electricity and water might be desired to really make a space liveable and usable. Engage with a licensed electrician and plumber to ensure this is done correctly.

Ensure the room is property insulated to combat the changing Australian seasons.

It won’t be exempt from the threats of pests, mould and mildew so care for the room as you would your house; and it will potentially play home to a number of your important possessions, so appropriate security is needed.

Bear in mind that the construction and use of these structures may require formal council approval.

It is best to check what the local regulations specify well prior to purchasing a structure or to any work commencing. These may differ state to state, council to council.

Not all spaces are created equally. While an outdoor room may appear to double as an extra bedroom, unless it has been created for the specific purpose of a granny flat, it may not meet your local council requirements to be used as that.

Check prior to construction and assembly so you are fully aware of all requirements and associated costs.

On offer are kit sheds, containers, site offices, cabins, pods and more. Whichever of these you choose, they can provide an external room that could be the perfect solution for your space and lifestyle. And you don’t need to turn your home into a construction zone to get there.

The uses are seemingly endless but here are popular choices…

The ‘official’ summer is over now, but if you are considering options for air-conditioning your rental property, the first tip is not to wait for the midst of the next long hot summer. Product will be low in stock, and installers already run off their feet.

It can be difficult as the owner of an investment property to balance financial decisions with the comfort of your tenants. This extends to air conditioners. The decision of whether or not to install can be difficult as it is, let alone deciding what type.

DUCTED AIR CONDITIONING: A good option for landlords willing to pay the higher upfront cost for efficient and environmentally friendly air conditioning, and increased marketability for future resales. Ducted air conditioning offers efficient heating and cooling across the whole home from a single unit. While it is generally most cost-effective when installed in a new build, it can be retrofitted in an established home.

If your plan is to sell the investment property in the future, ducted air conditioning might be a good selling point, increase the marketability of the home, and have buyers willing to pay more.

SPLIT SYSTEMS: A good middle ground for the more budget-conscious landlord who still wants an efficient air conditioning system. Split system air conditioners can work well in heating and cooling individual rooms.

They are still energy efficient and will cost less upfront than the ducted system. However, depending on how many you decide to install, the cost may not be as price competitive with fully ducted air conditioning.

COOL RENTALS

WINDOW/WALL AIR CONDITIONER:

An option when you just want to keep your tenants comfortable but don’t have the cash to splash out with a more expensive system. A window or wall-fixed air conditioner unit has a relatively low installation cost and requires minimal labour to install.

Accept the downsides though in that they are not the most efficient units. They are also noisier than the other types of air-conditioners so take that into account. Landlords may choose to give the tenant permission to instal their own window air conditioner.

PORTABLE AIR CONDITIONER: Possibly a short-term option if your finances are tight –or you might recommend your tenants buy one.

While not particularly energy efficient, they will at least keep your tenants comfortable, and the upfront cost is low. This short-term solution may not be as effective for attracting good long-term tenants though.

It would be a perfect world if everyone, whether they be the property’s owner or a tenant, lived in a comfortable home where they could keep warm in winter or cool in summer without worrying about exorbitant costs or harming the environment.

Effective climate control features, modern fixtures and a 6-Star Energy Rating make a property more appealing to tenants.

Who doesn’t want to live in a pleasant environment?

If you are facing such a dilemma, then consider these options:

INVEST IN HOME

IMPROVEMENTS

Starting from the top…

Moving inside…

While rental vacancy rates have been very low – ranging between 0.3 per cent and 1.9 per cent in May this year, with all but Sydney and Melbourne at 0.7 percent or less – the property investor still likes to see the best return on their rental property.

Best return equates to being able to ask the most rent possible. To increase your rent, you will probably want to increase the value of your investment property through home improvements.

LET’S START WITH SOME BUDGET-FRIENDLY IDEAS.

Before you get the tradies in…

Check your relationship with your tenants. Renters are much more likely to rent from landlords and through property managers they feel they can talk to and trust.

Your tenants should feel the relationship they have with you and your property manager is helpful, communicative and genuine from the outset of their tenancy.

Good communication is the key, though some home improvements are easier carried out in between tenants.

Take a good look at the roof, guttering and downpipes. If the roof has been there for around 15 years, with little or no attention during that time, it is very possible it needs some work. It may even need to be replaced.

Get the professional in for an inspection. A good roof protects the house. There’s less chance that you will incur damage costs through severe weather. A new roof can take years off your property’s appearance too.

While on the subject of guttering and down pipes… Consider a plumbing upgrade. Updating fittings and fixtures with a contemporary, aesthetically pleasing finish will do wonders for the look of your property and its value.

All plumbing elements should work well and do the job intended, but the appearance of fixtures such as sinks and taps can increase or decrease your property value.

Choosing the cheapest can mean doing a disservice to your property.

Let’s stay outside for the moment…

Smarten up the appearance of the property. The front of your investment property will be the first thing any potential tenant sees whether in person or virtually.

Options that can make a huge difference include cleaning windows, adding window shutters, painting doors and updating the letterbox.

Sometimes investing in ongoing yard costs is worth it to maintain the external appeal to tenants.

Update the home’s interior. It goes without saying that all appliances should be safe and working 100% properly, but what they look like makes a huge difference too. It might be time for a freshen up of interior paintwork, updating door and cabinetry handles or perhaps a refurbishment of benchtops in the kitchen and bathroom.

A big job that just might be worth addressing…

Replace the floors. This is one of the more expensive home improvements, but it is also one of the best ways to boost your property value. Timber, tile and stone - real or look-alikes - can look a million dollars even if they didn’t cost it.

Ditching the old carpet and linoleum and replacing it with quality, easy-to-clean floorings will make the home more appealing and hard-surface flooring stands up better to tenants moving in and out. Generally, the higher the quality of the flooring, the better it looks and the longer it lasts, which makes it a worthwhile investment.

Legislation to improve…

Governments deliver rental law reforms with the aim of striking the right balance between tenants and landlords so all parties might have confidence the rental property is safe, secure and functional.

Keep up to date about, and act on, new regulations that affect you and your tenants: for example, interconnected photoelectric smoke alarms.

Increasing your rental’s value and the return it brings you takes planning, effort and money but most investment property owners find it well worth it in the end.

ON LOCATION

Sharing the post code 4069 and just a hop, skip and jump (13 kms to be precise) from the inner CBD of Queensland’s capital are the leafy western suburbs of Kenmore, Kenmore Hills, Chapel Hill, Fig Tree Pocket, Brookfield, Pullenvale and Pinjarra Hills.

These established and attractive family-friendly suburbs offer both residential and rural residential living. With a mixture of small and large homes as well as units, low maintenance blocks, and those with more yard through to small acreage, residents have choices. Many older homes have been architecturally designed and/or built to last.

There’s a strong sense of community. Residents enjoy a relaxed and safe lifestyle, with likeminded neighbours who look out for each other.

Boasting a great balance between friendly neighbourhoods, natural landscapes including parks and walks, schools, retail outlets and places to eat, as well as sport and cultural clubs - everything that is needed is close by. Home is a sanctuary away from the hustle and bustle.

“The western suburbs are a great part of our city. Kenmore has an awesome local business centre, with a great range of activities for people of all ages and is quite simply a really friendly neighbourhood of likeminded residents. RE/MAX’s first office in Australia was even located right here in Kenmore.”

– Roxanne Workman, RE/MAX Profile

EXPERIENCE KENMORE

Being so close to Brisbane’s CBD, you can simply jump on the bus and be in the city in minutes, but why venture away from the leafy western suburbs?

There’s plenty to keep the foodie, the natureseeker, and the whole family happy by simply exploring this side of the river.

COFFEE TRAIL: If you’re a coffee lover and/or foodie, the options for a good roast are a plenty. Wander or drive along the main thoroughfare through Kenmore and you’ll be spoilt for choice for good cuisine and coffee. Or try Wild Canary at Brookfield Garden Centre.

CREEKSIDE PARK WALK: Take your dog on the one-hour green belt walk that connects the Kenmore back streets to beautiful Brookfield. Cross the creek, play in the large grassy areas and enjoy nature.

LONE PINE KOALA SANCTUARY: Tucked away in Fig Tree Pocket, is the world’s first and largest koala sanctuary. Get up close and personal with our nation’s native animals and enjoy wandering the grounds of the sanctuary.

FIG TREE POCKET EQUESTRIAN CLUB: You’ll regularly see riders training at Brisbane’s premier equestrian club, and, if you get the chance, experience the excitement up close at their open days or regular competition events.

MOUNT COOT-THA: There’s a track leaving Chapel Hill that takes you on a 2km round trip to the base of this Brisbane landmark or drive the 7.6km to the summit for spectacular views. Grab some lunch at the Summit Café or pack a picnic and head to JC Slaughter Falls. For those that love to get out into nature, there are plenty of multi-use trails for all experiences.

Green-thumbs do live in apartments so it’s fortunate that there are plants that will thrive on balconies. Look for these at your local nursery.

AGAPANTHUS is an Australian favourite, are tough and withstand hot summers, and they are quite at home in pots on balconies. They prefer cramped root conditions (so smaller pot to start with) and don’t like to be water-logged. Grow ‘aggies’ out of the wind.

ROSEMARY is a hardy Mediterranean dry-climate herb for the balcony in summer, with fragrant foliage and flowers in shades of pink, white and blue. Once a week watering is usually enough. Re-pot at least once a year.

BOUGAINVILLEA can look stunning in balcony pots. They like at least six hours of direct sunlight a day, so are perfect for exposed balconies.

GERANIUMS are great in pots and hanging baskets on balconies and easy to grow – once again, choose a heat tolerant variety. They prefer morning sun and afternoon shade.

FRANGIPANI grow well in a well-drained pot on a sunny balcony.

PETUNIAS are a popular easy-care plant for balconies, in pots and hanging baskets, and there are loads of varieties and colours.

PLANTS & PRODUCE FOR YOUR APARTMENT

More than 2.5 million Aussies now live in apartments.

NOTE: Always choose the right size plant for your space. Choose plant species that are native to your area as some natives might be considered weeds in other locations.

KANGAROO PAW (ANIGOZANTHOS) makes for a good apartment pot plant if placed in a sunny spot. They are a high-energy food source for many native birds and insects.

NATIVE BLUEBELL (WAHLENBERGIA STRICTA) has pretty royal blue flowers that attract bees and butterflies. You see them by the roadside, but they do very well in pots and hanging baskets in light shade.

EVERLASTING DAISY (XEROCHRYSUM) is a heat tolerant plant that does well in pots. It’s best in full sun, but can tolerate a bit of shade. Flowers can be up to 60 mm in diameter on a single stem and colours include pink, yellow and white.

If your apartment complex offers you garden space, you could consider there:

BANKSIA (BANKSIA) flowers, in shades of white, yellow, orange and red are packed full of nectar to attract native bees, birds and small mammals.

BOTTLEBRUSH (CALLISTEMON) are hardy plants, requiring little maintenance. They are a food source for possums, flying foxes, lizards, insects, nectareating birds and other wildlife.

SPIDER FLOWER (GREVILLEAS) attract insects, bees, butterflies and birds. There are hundreds of different species and a variety of flower and foliage colours.

WATTLE (ACACIA) trees are a great source of pollen so are popular with native bees. Acacia drummondii ssp. candolleana – is a dwarf wattle with large sprays of golden flowers that’s good for small spaces and rockeries.

And don’t think apartment living means you miss out on growing your own fruit, herbs and vegetables.

Understand weather conditions - sunny, shady, windy, where the rain falls etc – and best containers – tubs, pots, climbing frames, vertical gardens etc. Then consider these:

BERRIES may go well on your balcony. Try hanging pots for strawberries. Train blackberries to climb in partial shade. Blueberries and raspberries need larger pots on the ground or on a table.

CUMQUAT is easy to grow in a tub in a protected but sunny spot. They hate having wet roots. They can look spectacular, create privacy and the ripe fruit can be used to make sauces, marinades and marmalades. Try growing figs as well as other citrus in tubs. Look for dwarf varieties of apples and pears (need two varieties so they can cross-pollinate).

As for VEGETABLES, most will grow in will grow in containers and tubs including carrots, radishes, beetroot, eggplant, capsicum, cauliflower and zucchini. Many leafy vegetables do well in pots and vertical gardens. Peas and beans will climb a trellis. Vegetables need about four to five hours of sunlight per day to thrive.

Would you like to go native and attract bees and other helpful wildlife? Think about these:

In 1975, The Canberra Times wrote ‘The lengthy cooking-time provides freedom for working wives with an instant meal at the end of a working day’.

Monier sold the Crock-Pot to Sunbeam in 1981 but the idea of slow cooking seemed to go out of favour through the 1980s.

That’s certainly not the case today though Dutch ovens are as popular as electric slow cookers. I read that there’s even a smart Crock-Pot with built-in Wi-Fi so you can control it from an app on your mobile phone.

There was a dearth of slow-cooker recipes when I was renovating. I knew I should have written that cookbook back then. There is no shortage of that genre now. I can’t vouch for these recipes today… but if you have a slow cooker, you might like to give them a try.

with Lyn Cox

THE RENOVATOR’S COOKBOOK

My Crock-Pot had been a gift in 1978 and, while much used back then, had rarely come out of the cupboard for a decade. But all that changed.

Ours was a renovation in stages, and we ‘lived in’ through the entire thing apart from a night or two away when the house was raised and a couple of days away when the original flooring timbers were brought to life.

When the old kitchen disappeared, it was winter and there was no level spot for a barbecue anyway. It was the Crock-Pot that saw us through, plus an electric jug, a toaster and a microwave. I’d add a pie-maker today to use up leftovers.

In my first Crock-Pot column, I included a recipe – a tried and tested dish that had come from my head, not the pages of a cookbook. Given the reader response, I could have filled columns for the duration of the renovations!

Being an exceptional hoarder, I thought I’d have those columns filed away, even though we’ve sold the house we renovated and moved to the Coast at least 12 years ago. But there’s no sign of them.

I still have my Margaret Fulton Crock-Pot Cookbook, which the cooking guru released in 1976, and inside I found a couple of my ‘originals’, Brazilian chicken and Broccoli & beef. Strangely, I also found a news article about pet ownership!

The first Crock-Pot appearance was back in 1940 in the USA when it was known as a Naxon Beanery after its inventor. It was relaunched there in 1972 as the Crock-Pot.

It came to Australia under the Monier brand, better known for its concrete products, in 1973 and became the glamour appliance of the 1970s. Ads have the 4-litre Crock-Pot, ‘in rich orange’, selling for $39.95.

BRAZILIAN CHICKEN

1Kg chicken breast cut into pieces; 1 white onion diced; 2 garlic cloves crushed; 2 tomatoes peeled and chopped; 1 red capsicum, chopped; 2 red chillies (or more); 100g black olives; 2 tbs tomato puree; Half a cup of wine or stock; Salt & ground black pepper

HOW TO: Season dry chicken pieces with salt and pepper. Place in Crock-Pot with everything else except fresh herbs. Put lid on and cook on low for five to eight hours. Add chopped fresh coriander and parsley. Serve with couscous.

BROCCOLI AND BEEF

500 grams chuck, sliced into strips; 1 cup beef stock; ½ cup light soy sauce; ½ cup brown sugar; 1 tbsp sesame oil; 4 garlic cloves, crushed; Broccoli florets; 3 tbsp water; 3 tbsp corn starch.

HOW TO: Mix stock, soy sauce, brown sugar, sesame oil, and garlic together in the Crock-Pot. Add the beef slices to the liquid and toss to coat. Cover and cook on low, 6 hours. Then combine the water and corn-starch, stirring until smooth. Add to the Crock-Pot and mix well. Add the broccoli and gently mix to coat. Cook on low for an additional 30 minutes to thicken. Serve with rice.

Back when we were renovating, I was writing columns for a metro newspaper. One column

– about the humble Crock-Pot - produced an unprecedented response. Give me more, they cried!