FOR THE HOME OWNER, THE HOME SELLER AND THE HOME BUYER
ISSUE 405
Western Property Your complete guide to real estate in western Sydney
MOVE IN
FIND YOUR NEW HOME LATEST PROPERTY LISTINGS INSIDE
INTEREST RATES RISE AGAIN
PERFECT FOR FIRST HOME
OPEN HOMES & RENTALS GUIDE
SEE PAGE 3
SEE PAGE 9
SEE PAGE 13
Put Our Winning Team to Work For You Phil Haley 0412 355 020
Litsa Meleti 0466 969 164
Gizzelle Powell 0428 934 618
Paul Tanner 0410 587 553
Peter Parker 0408 432 998
Victor Borg 0439 755 081
NOBODY IN THE WORLD SELLS MORE REAL ESTATE THAN RE/MAX.®
Note from Sid Elias – LJH Colyton | St Clair Principal & Head of Sales Dear Reader, Since the interest rates started to rise in May, we have been getting a lot of requests from the local community for predictions on the market and how property values may be affected by the recent increase to interest rates. The property market in the region is changing rapidly. In fact, we’re finding property owners are surprised when they discover the NEW value of their property. To assist local owners, we are offering a free opinion of value for every home in your area. WHAT’S IN IT FOR YOU? • We will assess the current market value of your property • You will discover the NEW value of your property • We will supply a detailed market report of properties sold in your immediate area over the past three months. HOW DO YOU GET INVOLVED? • Call any of our Sales Agents on 02 9833 8881 or their mobile numbers listed below to arrange a time. • Mac Honkisz : 0416 949 700 • Stefanie Toweel : 0413 801 793 • Ryan Heath: 0478 112 310 If you would like to know the NEW value of your property, please get in contact with the team to arrange a time.
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Sincerely,
(02) 9833 8881 | colytonstclair.ljhooker.com.au | 2/30 Day St, Colyton 2
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NEWS FEATURE
INTEREST RATES RISE AGAIN AND IT MAY NOT BE THE LAST TIME THIS YEAR Mortgage holders have been dealt another blow with the Reserve Bank of Australia (RBA) increasing the official cash rate for a third consecutive month. The RBA increased rates by 50 basis points to 1.35 per cent at its monthly meeting on Tuesday. Graham Cooke, head of consumer research at Finder, said the combined cash rate hikes will cost the average Aussie homeowner over $5,000 over the course of a year. “This is tough news for many homeowners, with one in four already struggling to meet their monthly mortgage payments in June,” he said. “There’s no light at the end of the tunnel just yet, with our panel forecasting at least two more rate rises to come. This will put further downward pressure on a rapidly deflating housing market.” Mr Cooke said while some lucky homeowners on a fixed rate wouldn’t be impacted by Tuesday’s decision, they should start planning for when their home loan repayments inevitably do go up. “The average homeowner who
Western Property ISSUE NUMBER 405
Western Sydney Publishing Group
isn’t on a fixed rate will see their monthly repayments jump by $424 compared to what they were paying in April this year,” he said. “For those who are on a fixed rate – check now to see how high your monthly repayments are likely to jump. Your fixed home loan could be a ticking time bomb if you aren’t prepared.” RBA Governor Philip Lowe said EDITORIAL CONTACT Troy Dodds • 4722 2998 troy.dodds@westernweekender.com.au
further steps are likely in the coming months. “The increase in interest rates is a further step in the withdrawal of the extraordinary monetary support that was put in place to help insure the Australian economy against the worst possible effects of the pandemic,” he said. “The resilience of the economy and the higher inflation mean that
this extraordinary support is no longer needed. The Board expects to take further steps in the process of normalising monetary conditions in Australia over the months ahead. The size and timing of future interest rate increases will be guided by the incoming data and the Board’s assessment of the outlook for inflation and the labour market.”
SALES DIRECTOR ARTWORK Chris Pennisi • 0421 121 985 Brooke Noha • 4722 2998 chris.pennisi@westernweekender.com.au artwork@westernweekender.com.au
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Outer Western Sydney OPEN HOME
32 Lorne Avenue, South Penrith
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Looking For Something Unique? • Great 809m2 block of land! • Big timber kitchen • 3 living areas • 5 bedrooms, main is split level with a combustion fire • Side access with a large workshop • Large fully fenced yard • Double carport
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OPEN HOME
2 Burford Street, Colyton
OPEN HOME
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Just Listed INSPECT Saturday 9th July at 12:00pm - 12:30pm ADDRESS 32 Lorne Avenue, South Penrith CONTACT Professionals Erskine Park 9834 3555 Wayne Teudt 0412 462 672
74 Chameleon Drive, Erskine Park
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For The Bigger Family! • 2 x air conditioners • Entertaining area • 2-3 tandem garage • Close to amenities • Fully fenced corner block • 682sqm block • Rental potential up to $550 per week
OPEN HOME
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$889,000 - $939,000 INSPECT Saturday 9th July at 10:00am - 10:30am ADDRESS 2 Burford Street, Colyton CONTACT Professionals St Marys 9673 4422 Rob Masters 0414 281 291
53 Lingayen Avenue, Lethbridge Park
• Updated kitchen with ample cupboard space • Split system air conditioning • Side access • Lock-up garage behind gates • Situated on a 588m2 block with a large rear yard • Fantastic long-term tenant that would love to stay • Close to schools, shops & transport
• 609sqm block, double garage & double carport • 3 good-sized bedrooms with BIRs • Modern kitchen with quality features • Spacious lounge & dining areas & second living room • Beautifully-renovated main bathroom • Entertaining area & sparkling in-ground pool • Potential rental return $650pw
OPEN HOME
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$990,000 INSPECT Saturday 9th July at 11:30am - 12:00pm ADDRESS 74 Chameleon Drive, Erskine Park CONTACT Professionals Erskine Park 9834 3555 Angelo Mavris 0425 361 696
11/54 King Street, St Marys
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The Perfect Set & Forget Investment
Spacious & Immaculately-Presented Family Home!!
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$639,950 - $679,950 INSPECT Saturday 9th July at 1:00pm - 1:30pm ADDRESS 53 Lingayen Avenue, Lethbridge Park CONTACT Professionals St Marys 9673 4422 Jessica Grant 0418 745 442
Ditch The Car
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• First floor, 2 bedroom apartment – great location $399,000 - $429,000 • Built-in mirrored robes, ensuite to main INSPECT Saturday 9th July at 12:30pm - 1:00pm • Large open plan living & dining, s/s air conditioning ADDRESS 11/54 King Street, St Marys • Nice kitchen with gas cooking • Great-sized balcony perfect for soaking up the sun CONTACT Professionals St Marys 9673 4422 • Current tenant wishing to stay on Rob Masters 0414 281 291 • Intercom system & security lock-up basement parking
professionalsouterwesternsydney.com.au 4
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Outer Western Sydney OPEN HOME
15 Canberra Street, Oxley Park
R3 Zoned With About 26.74m Frontage . . .
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If you are seeking a property to start your investment Fresh to the Market career with or the potential for a duplex development INSPECT Saturday 9th July at 11:30am - 12:00pm perhaps (STCA), then this could be your start here. ADDRESS 15 Canberra Street, Oxley Park • 3-bedroom home with carport CONTACT Professionals St Marys 9673 4422 • Currently tenanted Terry Hansen 0418 245 683 • Reasonably level block Although, it’s no doll’s house and certainly needs some attention . . .
View Property
OPEN HOME
OPEN HOME
11 Tallwood Place, St Clair
16/1 Glenmore Ridge Drive, Glenmore Park
View Property
View Property
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What A Lovely Street • Located in a lovely location • Entry foyer • 3-way bathroom • Rear covered area • Long lock-up car accommodation • 629m2 block • Rental potential of $480 per week
OPEN HOME
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Live in Or Invest, Your Choice!!
$850,000 - $875,000
• 2 bedrooms with BIRs & ensuite to main
INSPECT Saturday 9th July at 10:00am - 10:30am ADDRESS 11 Tallwood Place, St Clair CONTACT Professionals St Marys 9673 4422 Terry Hansen 0418 245 683
• Spacious living & 2 balconies
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Contact Agent
• Modern kitchen with gas cooking & dishwasher • Tenant would like to stay on but will move if need be • Underground car park
INSPECT Saturday 9th July at 11:00am - 11:30am ADDRESS 16/1 Glenmore Ridge Drive, Glenmore Park CONTACT Professionals Erskine Park 9834 3555 Wayne Teudt 0412 462 672
• For more information call Wayne on 0412 462 672
40 Scenic Circuit, Cranebrook
View Property
Exquisite Family Home
OPEN HOME
11 Pendock Road, Cranebrook
View Property
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All the hard work has been done and there is nothing Welcome Home . . . more to do than to call it HOME . . . INSPECT Saturday 9th July at 2:00pm - 2:30pm • Offering BRs all with built-in robes & ceiling fans ADDRESS 40 Scenic Circuit, Cranebrook • Modern kitchen boasts dishwasher and gas cooking • Ultra-modern bathroom with high quality accessories CONTACT Professionals St Marys 9673 4422 • The yard has a great entertaining space Jessica Grant 0418 745 442 • Garage fit for the car enthusiast and double driveway
Opportunity Knocking • 3 bedrooms, with ceiling fans • Fully renovated kitchen with amble cupboard space • Natural timber flooring • Air conditioned living area to front of the home • Second living area with fireplace nights • Drive thru garage & carport behind closed gates • Double driveway and great side access
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New To The Market INSPECT Saturday 9th July at 11:00am - 11:30am ADDRESS 11 Pendock Road, Cranebrook CONTACT Professionals St Marys 9673 4422 Jessica Grant 0418 745 442
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Name Goes Here Penrith GreaterMember Region and Blue Mountains 24A Cam Street, Cambridge Park
FOR SALE
Big, Beautiful & Brand New!
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• Brand new 3 bedroom, 2 bathroom home $879,950 • Huge open living design with ducted A/C throughout INSPECT By Appointment • 3 double sized bedrooms, stylish ensuite to main ADDRESS 24A Cam Street, Cambridge Park • Stunning modern kitchen with island bench • Private U/C tiled pergola area with B/I benches & sink CONTACT Professionals Penrith • Close proximity to local shops, schools, sporting fields 4725 3100 & parklands
FOR SALE
4/174 Great Western H’way, Kingswood
Rare 3 Bedroom Unit In Complex Of 6 • Fantastic top floor 3 bedroom unit with Northern aspect • Spacious open living design • Split system A/C • 3 good-sized bedrooms with carpet floors • Large galley-style kitchen • Close to Nepean Hospital, Kingswood Railway Station & shops
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$439,000 INSPECT By Appointment ADDRESS 4/174 Great Western Highway, Kingswood CONTACT Professionals Penrith 4725 3100
FOR SALE
2/63 Jamison Road, Kingswood
Immediate Investment Opportunity! • One of only 5 in a well-maintained boutique complex • Spacious open living design with brand new A/C unit • 3 great-sized bedrooms with mirrored B/Is • Modern galley-style kitchen • 16 year long tenant paying $320 per week • Walking distance to the Nepean Hospital, bus stops and Kingswood Station
FOR SALE
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$595,000 INSPECT By Appointment ADDRESS 2/63 Jamison Road, Kingswood CONTACT Professionals Penrith 4725 3100
51 College Street, Cambridge Park
Perfect Re-Development Site! • Ideal re-development site • Fully fenced rectangular shaped 923m2 block • 15.24m frontage with R3 zoning • Older two bedroom dwelling • 9m x 6m steel shed • Close to local shops, schools, parks & public transport
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$990,000 INSPECT By Appointment ADDRESS 51 College Street, Cambridge Park CONTACT Professionals Penrith 4725 3100
penrithprofessionals.com.au 02 4725 3100 253 High Street, Penrith 6
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Commercial leasing at the heart of Oran Park. Work at the Park. • • • • • •
•
Suites and whole floor opportunities available Over 250 secure underground car spaces Naming rights currently available Construction due for completion early 2023 15 mins to Campbelltown, 45 min to Parramatta & 60 mins to Sydney CBD Under 20 minutes from the new Western Sydney Airport (completion 2026)
Acquire early market share and invest in your business’ future by becoming a part of Oran Park. commercial@greenfields.net.au 02 9043 7500 commercial.oranparktown.com.au
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Oran Park Town is rapidly becoming the best place to live, work and play in South West Sydney, and your business has an opportunity to meet to the needs of the fastest-growing region in NSW.
*Images are computer generated and indicative only
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PENRITH’S FIRST RESIDENTIAL ROOFTOP POOLS Solis is Penrith’s most aspirational development yet. A new level of lifestyle and luxury has been curated through a collection of 1, 2 & 3 bedroom residences and a series of exclusive penthouses and terraces.
Location: Display: Hours: Phone: Email: Social:
10-16 John Tipping Grove, Penrith 21-25 Woodriff St, Penrith Thursday-Sunday, 10am-12pm 1300 765 472 info@solisbyastina.com.au @solisbyastina.com.au
Luxury Residences now selling. Enquire now solisbyastina.com.au WW48472
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BUY OF THE WEEK
WELL MAINTAINED
10 Keesing Crescent, Blackett JUST LISTED
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Open for Inspection: 2pm-2.15pm Saturday, July 9 Contact: LJ Hooker Colyton St Clair Stefanie Toweel • 0413 801 793
What makes this property stand out? Whether you’re looking for a place to call home or wanting to capitalise on investment, this well maintained brick home will perfectly suit your needs and is sure to tick all the boxes. Who should buy this property? Perfect for investors, first home buyers and families. What’s the suburb like? Young demographic suburb.
Boxes from
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REMOVALS • SELF STORAGE • BOX SHOP 142 Old Bathurst Rd, Emu Plains PH 4735 7000 www.hitchens.com.au
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NOBODY IN THE WORLD SELLS MORE REAL ESTATE THAN RE/MAX.® Office: 233 High Street, Penrith NSW 2750
DUAL KEY
4+1 + 352+1 23 1+1 12
DUAL Queensland KEY QLD
3+1
Just Listed $670K
IDEAL INVESTMENT (GOOD FOR SMSF) Sale : Contact Agent Inspection: By Appointment GIZZELLE POWELL M: 0428 934 618 E: gizzellepowell@remax.com.au
Registered Land Potential rent: $750 per week
Potential Rental Return: • 4 bedder - $420 to $430 per week • 1 bedder - $310 to $330 per week Total Potential Rental Return: $730 to $760 per week
LITSA MELETI Want to know more? Call me on 0466 969 164 Your Investment Specialist
Happy Vendor -
What a Champion Agent I think most people worry about the magnitude of decisions when buying and selling property. Well all those worries, are very quickly placed at ease when dealing with Litsa Meleti. What became immediate was her superior market knowledge not only of my suburb, but right across greater Sydney. I did my homework and got valuations from 4 other agents before Litsa arrived. Litsa told us that she believed my property could be sold for around $70k to $100k above the other valuations. Did we have our doubts? Yes of course . . . But her knowledge proved absolute superior. We sold the property in the first week. We received about $85k above the other valuations. Her service and communication was absolutely wonderful, and has continued after the sale to the point of helping me find a couple reputable tradesman, and she is now selling my closest friend’s home. Just a wonderful experience, and she will be the go to agent for my extended family going forward. Verified by RateMyAgent
Thinking of Selling or Investing? Please give me a call or SMS Litsa on 0466 969 164
22 & 24 Edith Street, Kingswood
Villa – St Marys Gwandalan
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1
Separate Laundry
Just Listed
R3 Zoned Your Call! Invest, Develop or Land Bank. Land size: 1300m2 Open Home: Call Gizzelle
GIZZELLE POWELL M: 0428 934 618 E: gizzellepowell@remax.com.au
1.1km to train/shops Priced to Sell : $440,000 Potential rent : $420-$450 p/w
LITSA MELETI Want to know more? Call me on 0466 969 164 Your Investment Specialist WW46730
Put Our Winning Team to Work 10
Phil Haley 0412 355 020
Western Property Magazine
Litsa Meleti 0466 969 164
Gizzelle Powell 0428 934 618
Paul Tanner 0410 587 553
Victor Borg 0439 755 081
Peter Parker 0408 432 998
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NOBODY IN THE WORLD SELLS MORE REAL ESTATE THAN RE/MAX.® Office: 233 High Street, Penrith NSW 2750 Brand New House Claremont Address/Suburb lowercaseMeadows 4
3.5
2
Freestanding Townhouse Marsden Park Address/Suburb lowercase
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2
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Brand New Land area 612.5m2 Registered Land (Granny Flat Potential)
CALL VICTOR BORG & LITSA MELETI 0439 755 081 | 0466 969 164
2/34 Australia St, St Marys
3+
2.5
Study
1+1
Hot Property
CALL VICTOR BORG & LITSA MELETI 0439 755 081 | 0466 969 164
1/27-31 Canberra St, Oxley Park 3
2.5
2
Just Listed
Convenience and Lifestyle Living GIZZELLE POWELL Open Home: Thursday 5:15-5:45pm M: 0428 934 618 E: gizzellepowell@remax.com.au Saturday 11:30-12pm
43/14-20 Parkes Ave, Werrington 2
1.5
1
Just Listed
GIZZELLE POWELL M: 0428 934 618 E: gizzellepowell@remax.com.au
Ready to move in August 2022 5% settlement incentive, buy before 15 July, 2022
Nearly New 3-BR Sophisticated Townhouse GIZZELLE POWELL Open Home: Thursday 6-6:30pm M: 0428 934 618 E: gizzellepowell@remax.com.au Saturday 12:15-12:45pm
6/68-70 McNaughton St, Jamisontown 3
1
1
Just Listed
New York-Style Apartment Open Home: Call Gizzelle
Three-Bedroom Villa In An Ideal Location Open Home: Saturday 10-10:30am
GIZZELLE POWELL M: 0428 934 618 E: gizzellepowell@remax.com.au WW46731
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Book your FREE Appraisal now with one of our Winning Team on 4732 6007 Western Property Magazine
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The Team Penrith Trusts At Wilsons Solicitors, we're more than just another law firm — we're the legal team that Penrith trusts. No matter your legal needs, we'll get you the right team for the job every time.
CALL TODA FOR LEGAL Y HELP 4731 531 1
Phone 4731 5311 | Mobile 0434 310 203 51 LEMONGROVE ROAD, PENRITH | WEBSITE: WWW.DW.LEGAL 12
Western Property Magazine
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No matter your legal needs, we’ll get you the right team for the job every time.
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OPEN HOMES & RENTAL PROPERTY GUIDE westernpropertyonline.com.au | facebook.com/westernpropertymag
OPEN HOMES ADDRESS
SUBURB
TIME
OPEN HOMES
PROPERTIES FOR RENT AGENT
SUBURB Saturday 9th July
Colyton
10 - 10:30am
Professionals St Marys
Cranebrook
11 - 11:30am
Professionals St Marys
40 Scenic Ct
Cranebrook
2 - 2:30pm
Professionals St Marys
18 Mohawk Pl
Erskine Park
10 - 10:30am
Professionals Erskine Park
74 Chameleon Dr
Erskine Park
11:30 - 12pm
Professionals Erskine Park
11 - 11:30am
Professionals Erskine Park
GLENMORE PARK
9673 4422 St Marys Professionals
2 br granny flat
$400pw
4725 3100 Penrith Professionals Real Estate
4 br duplex
$480pw
4725 3100 Penrith Professionals Real Estate
2 br unit
$400pw
4725 3100 Penrith Professionals Real Estate
Kingswood
1 br unit
$230pw
9673 4422 St Marys Professionals
Kingswood
2 br unit
$290pw
9673 4422 St Marys Professionals
2 br home
$550pw
9673 4422 St Marys Professionals
Penrith
2 br unit
$280pw
4725 3100 Penrith Professionals Real Estate
Penrith
1 br studio
$350pw
4725 3100 Penrith Professionals Real Estate
Penrith
2 br unit
$260pw
4725 3100 Penrith Professionals Real Estate
3 br home
$480pw
9673 4422 St Marys Professionals
South Penrith
3 br house
$500pw
4725 3100 Penrith Professionals Real Estate
South Penrith
3 br house
$480pw
4725 3100 Penrith Professionals Real Estate
St Clair
2 br granny flat
$380pw
9673 4422 St Marys Professionals
St Clair
3 br home
$450pw
9673 4422 St Marys Professionals
CRANEBROOK
Glenmore Park
JAMISONTOWN KINGSWOOD
MARSDEN PARK
16/1 Glenmore Park Dr Glenmore Park
Marsden Park
PENRITH
LETHBRIDGE PARK Lethbridge Park
1 - 1:30pm
Professionals St Marys
NORTH ST MARYS North St Marys
10:45 - 11:15am Professionals St Marys
OXLEY PARK
PLUMPTON Plumpton
Oxley Park
11:30 - 12pm
Professionals St Marys
SOUTH PENRITH 32 Lorne Ave
$450pw
Jamisontown
ERSKINE PARK
15 Canberra Street
3br home
COLYTON
GLENMORE PARK
11 Pendock Rd
27 Catalina St
AGENT
Cranebrook
CRANEBROOK
53 Lingayen Ave
RENT
Colyton
COLYTON 2 Burford St
DESCRIPTION
SOUTH PENRITH
South Penrith
10 - 12:30pm
Professionals Erskine Park
11 Tallwood Pl
St Clair
10 - 10:30am
Professionals St Marys
8 Wills Gl
St Clair
10:45 - 11:15am Professionals Erskine Park
ST MARYS
30 Cowarra Dr
St Clair
12:15 - 1pm
Professionals Erskine Park
St Marys
3 br home
$430pw
9673 4422 St Marys Professionals
208 Bennett Rd
St Clair
2 - 2:30pm
Professionals Erskine Park
St Marys
3 br townhouse $470pw
9673 4422 St Marys Professionals
5/100-104 Saddington St St Marys
10 - 10:30am
Professionals St Marys
WERRINGTON
11 & 12 / 54 King St
12:30 - 1pm
Professionals St Marys
Werrington
ST CLAIR
ST MARYS
ST CLAIR
WERRINGTON COUNTY Werrington County
St Marys
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3 br house
$490pw
2 br townhouse $300pw
4725 3100 Penrith Professionals Real Estate
9673 4422 St Marys Professionals Western Property Magazine
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Prepare Your House For Sale & Maximise Your Sale Price $2000 towards getting your home ready for sale Are you thinking of selling, but don’t know where to start? Cumberland realty will cover up to $2000 towards your choice of decluttering, painting, cleaning, packing, lawn mowing, minor repairs and or staging.
John Manaras Sales Principal
Greystanes & Wentworthville
0430 299 280
It’s all in the Presentation. All you need to do is call or text ‘SELL MY HOME’ to 0430 393 396, with your name and address and we will take it from there.
Franco Di Iorio Sales Principal Greystanes 0424 718 745
Experience the Cumberland Realty difference Applies to owner occupied homes and rentals. Conditions Apply. Offer valid to 31st December, 2022.
Edgar Georges Sales Principal Wentworthville 0414 383 132
Francesca Luccitti Director 0430 393 396
Greystanes Shopping Centre Shop 8 / 665 Merrylands Road, Greystanes 181 Dunmore Street, Wentworthville
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Hot Properties Staging & Styling can help you capitalise on the sale of your home by styling your property to attract buyers and speed up the sale process.
Because First Impressions Count! 0417 440 989 www.hotpropertystyling.com.au
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Western Property Magazine
21
BROKING BREAKDOWN
NEGOTIATION IS KEY JUST HOW HIGH WILL RATES GO?
MARK STEVENSON BELLPARTNERS.COM
As mortgage holders deal with another big hike in official interest rates, the question on the lips of many economic commentators is just how high will the Reserve Bank of Australia (RBA) go in its quest to slay the inflation dragon? The third consecutive monthly rate rise has pushed the cash rate to 1.35 per cent amid predictions it could reach 2.0 per cent to 2.5 per cent or even 3.0 per cent by the end of the year, with rates last as high as 2.5 per cent in early 2015. The road to these higher levels of interest rates is also unpredictable with some experts tipping the RBA to go hard every month until the end of the year. Others have forecast the central bank to leave the cash rate alone next
month and also in October while it assesses the impact of its rate decisions. We have been telling our customers at Bell Partners for many months now that they needed to prepare for higher interest rates and that the record low cash rate of 0.10 per cent was an emergency measure that was unsustainable, particularly as factors such as the war in Ukraine have created costof-living pressures. There is universal hope that the conflict in Europe can be concluded, but while it continues the economic outlook remains problematic, including the direction of interest rates. With inflation tipped to hit 7.0 per cent by December this year, we
have already seen variable home loan rates head above 3.0 per cent and fixed rates are around the 5.0 per cent mark. Mortgage holders coming out of fixed rates in the 2.0 per cent range are also in for some pain. Despite official rates going up, the lending market remains just as competitive as it was when the cash rate was at record lows. Banks are still having to work hard to keep customers and it remains possible to negotiate a lower rate. There are also cases of lender retention teams offering cash back to customers who make it known they are prepared to switch banks. In this environment, it’s important to seek help from a broker.
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