Property
& Community
News
Quarter 2
Your Suburb. Your News.
altona, ALTONA NORTH
content 01
Hot topic
04 Your Story 06 Selling 07 Law & Regulations 08 10 11 14
Landlords & Investors
17
Our Seniors
Entertainment, Fun & Wisdom Tips & Advice My Suburb
16 Finance
HOT TOPIC
Residential tenancies legislation set for an overhaul
The Andrews government has released a comprehensive options paper looking at significant reform of the Residential Tenancies Act, which governs the rights and responsibilities of both tenants and landlords in the private rental market in relation to rent, bonds, dispute resolution and security of tenure. With more than 500,000 rental properties in Victoria, a significant proportion of the state’s population will be impacted by changes to the Residential Tenancies Act (RTA). The options paper – Heading for Home - follows more than a year of public consultation, seven issues papers and numerous stakeholder meetings as part of the Government’s Fairer, Safer Housing initiative. The REIV has been heavily involved throughout the review process, responding to each of the issues papers and working alongside Consumer Affairs Victoria on behalf of the state’s property managers and landlords. In their submissions, the REIV has called for streamlined termination processes for repeat
offenders, the retention of the ‘no specified reason’ notice and shortened notice to vacate timeframes for rent arrears. With landlords and property managers accounting for around 70 per cent of disputes brought before the Victorian Civil and Administrative Tribunal (VCAT), the REIV has called for significant improvements to the dispute resolution process. This includes greater consistency, internal appeals and enforcement of VCAT orders. The REIV also supports the recognition and enforcement of additional contract terms, including ‘no pets’ clauses. The Institute strongly believes pets should only be permitted in rental properties by agreement between landlords and tenants. In addition, the REIV has actively opposed any unfair changes that increase the financial burden to landlords or agents, such as further minimum property standards, which will undoubtedly impact on the supply of rental housing. Minimum standards for residential property are already established in Victoria – as set out in the Victorian Building Regulations and Codes.
1
These issues are further considered in the Heading for Home paper along with a range of other options which the REIV has opposed, including: property modifications without landlord consent, sub-letting without landlord approval, increasing the notice period for change of use terminations; and limiting access for a rental property that is being sold. Following consultation, the Government will consider a comprehensive reform package and develop new legislation and regulations, which is expected to be introduced into the Victorian Parliament in 2018. It’s important that any reform of the RTA meets the right balance between the rights of tenants and those of landlords – any imbalance will affect the supply and cost of rental housing, particularly at the lower end of the market. For more information about the review and how to make submissions visit:
fairersaferhousing.vic.gov.au/renting.
2
How Victoria’s new underquoting laws affect you Underquoting might just be the most maligned word in real estate. Home buyers are about to see a shake-up, with Consumer Affairs Victoria (CAV) having introduced a raft of changes to residential real estate pricing legislation from May 1. At the centre of the new laws is a requirement for all homes listed for sale after the 1st May to have an estimated price, as well as three recent comparable sales for buyers to review and the suburb’s median house price. Buyers will be armed with more information. Minister for Consumer Affairs Marlene Kairouz said the changes were aimed at transparency for homebuyers.
THE KEY CHANGES •
• •
•
•
“Our new laws will help ensure Victorian house hunters don’t waste time and money on properties they can’t afford.” The government legislated the changes after consultation with the Real Estate Institute of Victoria, and chief executive Gil King said it would help ensure buyers had the same information to hand as sellers. “This new legislation is designed to be effective in both a rising and falling market and will ensure prospective buyers have access to the same information as the vendor,” King said. REA Group executive general manager of residential Andrew Rechtman feels it’s important that buyers and sellers receive sale price information that’s as realistic and accurate as possible. But the changes, which are aimed at stamping out underquoting, won’t stop houses selling above their listed price. King said the definition of underquoting was often misunderstood.
Agents must provide three comparable sales, an estimated sale price and the suburb’s median price Advertising price ranges of more than 10 per cent are banned Advertised prices must not use any words or symbols to qualify the price, such as “offers above”, “from”, or “+” Agents doing the wrong thing face higher penalties and the loss of commissions
Source: Consumer Affairs Victoria
According to CAV, the definition of underquoting is when an agent misleads a potential buyer about a home’s likely selling price. King noted homebuyers needed to be aware a house sold above its advertised price might not have been underquoted. “A property that sells above its advertised price has not necessarily been underquoted,” King said. “It is the vendor’s prerogative to set the reserve price the morning of the auction, and this may be significantly higher than the agent’s estimated or quoted selling price.” Further to this, he pointed to the effect a rising property market could have on prices. “Strong buyer demand — as we have seen this year — means that it is not uncommon for a house to sell above its advertised price,” he said. Many other factors were also leading to price rises, he added.
3
PHILLIP MICALLEF How long have you been living in Altona? I’ve been living in Altona for 25 Years after moving with my parents from West Footscray. I love my unit, love the beach and the people here. I love the community and the atmosphere. It’s like a country town.
What is your greatest concern for this community? What do you see as its greatest needs?
Your Story You’re a very popular person, what makes you so popular?
Lilly brings all the attention, everyone loves Lilly. Lilly is the centre of attention, first at bringing friendship. What do you see as the greatest strength of our community? A lot of people get together and help one another. Events get held and everyone participates. Everyone gets together like a big family. I realise you do volunteering? What do you see as the importance of our community’s volunteering?
4
I volunteer for a disability organisation, day care
Getting over populated with apartments and losing our character is a concern. I don’t like the loop between Laverton and Newport. People are fighting to return the train station to the way it was before. What are the key economic/social issues that need to be resolved today? In five? Ten years? I believe car parking is a big challenge today and in the near future. Housing affordability for younger generations and looking after our elderly in our neighbourhood.
Your Story
I realise you do volunteering? What do you see as the importance of community volunteering? I volunteer for a disability organisation, day care centre and help with whatever needs to be done. It’s good for volunteers and the people we help. NDIS is making a big improvement. What would you say to people who don’t do volunteer work because of lack of time?
If you’ve got the willpower, you’ll find a way. Everyone needs to make/find time to volunteer. What are the challenges and struggles that our special needs people are facing? More awareness for people’s individual needs. The council does a good job, I have no complaints. Can you name a person who has had a tremendous impact on you / inspired you? My parents inspire me a lot. I was brought up with no restrictions, they let me make up my own mind. They told me “if you have the willpower you’ll find the way” “Another chapter closes another one opens”.
When your car was stolen, you received massive community support especially from the local residents in Altona. So what would you like to say to the people of Altona and supporters? I still feel hurt. I saved up and brought it and overnight someone can take it. I owned my car for 20 Years, having bought it brand new. 20 Years of love. I felt overwhelmed with the support of the community. Every day for 5 months people talked about it. To the people in the community “I am thankful and grateful for their support”. What are the main changes you’ve seen in Altona? Too modern, a lot of apartments and town houses are being built. It’s nice to say good morning, good evening and even hello to anyone. You don’t even know them and everyone says hello, good morning and good evening. “Altona is strong and
I’ll never move from Altona”
5
selling The room most likely to sell your home now, according to agents When you’re selling your home, which is the room that has the potential to impress possible purchasers the most? Not everyone has the same answer, but they do all agree on the kind of major area that people examine extremely carefully and on which they place the highest value. Experts agreed on the three main areas below:
• The Kitchen Everyone wants a large, bright, airy kitchen where the family can sit to eat breakfast, and preferably with a view out to the garden.”
• The Open Family Area The zone that combines the kitchen and an open plan family area. And all the better if it looks out to the garden.
• The Backyard It’s the backyard that’s most important. People love to be able to move seamlessly from the indoors to the back garden which is the space where most people love to chill out and entertain. Having a covered entertainment deck, a BBQ, a nice lounge and a low-maintenance garden is the most important room of any house. Certainly, it’s worth considering those three areas when it comes time to sell a home. If buying decisions are most likely to be made on the quality of the kitchen, the area close by where the family can sit and the immediate backyard, then it’s worth putting some time, effort and maybe even money into presenting them as beautifully as possible.
6
Law & Regulations REIV backs changes to Victoria’s zoning rules With Melbourne’s population expected to grow by 100,000 new residents every year, the changes allow for greater density in the city’s middle-ring suburbs, while protecting green space, says Joseph Walton of the REIV. “The REIV supports the Government’s new initiatives, in particular increases to mandatory maximum height limits in general residential zones.” “These changes will add significantly to the overall housing supply in popular metropolitan locations, with these areas benefiting from established amenities and infrastructure,” he said. “Increased housing supply is essential in ensuring Melbourne is able to accommodate our growing population. ”Minister for Planning, Richard Wynne, announced the changes following a review of Melbourne’s suburban residential zones. The changes are directed at ‘protecting suburban character’, while at the same time allowing suburbs to develop and grow. Some of the main changes are: • • • • • •
There will no longer be a cap on how many dwellings can be built on a block. Developments must have a mandatory percentage of garden space. Blocks between 400-500 square metres require a 25 per cent minimum garden area. Blocks between 501-600 metres need 30 per cent. Blocks larger than 650 square metres must have a 35 per cent garden area. Increase in the mandatory maximum height limit from 9m to 11m in middle-ring suburbs.
“These are once-in-a-generation changes to suburban residential zones and are all about protecting the much-loved Aussie backyard,” said minister for planning, Richard Wynne. We’re ensuring “Victoria has plans to cater for population growth, deal with climate change, and deliver a record pipeline of infrastructure,” said Wynne. The Housing Industry Association, the voice of Australia’s residential building industry, also supports the changes, saying they will “improve housing outcomes in our suburbs”. The HIA has argued that zone provisions introduced in 2014 limited the design of new homes and restricted the location of small medium-density developments. HIA’s acting executive director Keith Banks said, “The changes will hopefully provide greater opportunity for the design of dwellings to more appropriately respond to their situation and increases potential for innovative designs.” The HIA has constantly argued for less prescription from councils in dictating the design of homes, said Banks, saying the existing rules limit opportunities for new homes and small-to-medium redevelopment opportunities. “With a growing population in Melbourne, we need to be able to house some of the growth in our existing suburbs,” he said. “This is definitely a step in the right direction.”
7
LANDLORDS & INVESTORS 5 ways to avoid property pitfalls and dodgy advice when investing 1. Watch the spruikers Are you thinking about investing in property? Or have you already taken the plunge and given over your hard-earned dollars for an apartment or house? Many Australian capital cities have become booming beasts that some simply cannot afford to tackle. For those that have invested or are hoping to invest in property, one common decision is whether to buy an off-theplan property or an existing dwelling. Often an investment firm or broker comes knocking on your door or are hired to scout properties for the potential buyer. Property valuer, investment adviser and author Anna Porter told 702 ABC Sydney the industry was highly unregulated. Here are her top tips for avoiding the pitfalls and the sharks:
8
Ms Porter said there was no rule that required investment advisers to disclose whether they were receiving kickbacks from property developers. “This part of the industry is incredibly unregulated,” she said. “Advisers will only be offering new and off-the-plan properties.“ They’ll talk all about these great tax benefits, all making it sound wonderful like it’s the only way to invest — new and off the plan. The reason why they’re offering you this style of property is that they usually get a big kickback from the developer and it’s typically $40,000 or $50,000.” Ms Porter said adviser kickbacks usually started to happen when a developer had oversupplied the market and there was not enough demand. She advised buyers to have their own lawyer ask the broker or investment adviser for any developer relationships to be disclosed in writing.
2. Get the fundamentals right
4. Research vacancy rates
While many invest and gain the benefits of negative gearing, Ms Porter said tax deductions should be considered the “icing on the cake”. “You have to look at how you’re building wealth,” she said.
A high number of empty apartments or houses in the suburbs can indicate an over-demand in the market. This could mean developers are not able to sell their off-the-plan properties or there are too many investors in the area and there is too much rental supply.
“You do get better depreciation if you are buying new and off-the-plan than if you buy an older property, but sometimes that can act as a distraction to getting the fundamentals of investing right.” In her new book Whistleblower, Ms Porter cited one client, Jenny, who bought a house in Muswellbrook in the Hunter Valley but lost $150,000 on the investment. Jenny had been told by an investment firm that the area was developing despite being close to mines. However, once purchased, Jenny had to lower the rent by $200 to attract tenants, significantly less than what she was advised by an investment firm prior to purchase. The re-sell value of the property was also much less than the original price.
3. Do your background checks “Most dodgy advisers don’t have qualifications.” She said to watch out for “self-proclaimed investors” who might have collected a few success stories and then spruiked themselves as savvy advisers.
Photo An oversupply in the rental market due to new developments will put pressure on investors.
Ms Porter said this sort of oversupply was happening “constantly” in Brisbane, Melbourne and tropical east Queensland where people were buying properties off the plan. While not as prevalent in Sydney due to a high migration population, Ms Porter said there was a glut of new properties on the Central Coast, in western Sydney, Parramatta, Zetland and Wolli Creek. “I’ve got an associate who is working as a tradie [on a development in Zetland] and moved in to rent,” she said. “He’s the only person on the whole floor because the other apartments had been sold to international investors.”
5. Understand the demographic One of Ms Porter’s clients bought an investment property in Ipswich south west of Brisbane after being told it was a good area to invest and that it was a homeowners’ market. However, Ms Porter said further research showed that more than 50 per cent of the market were renters. “You want a nice equilibrium between homeowners and investors,” she said. “Just a small change in the market can affect your investment”.
9
Entertainment, Fun & Wisdom
10
Tips & Advice
4.
8 tips how to look out for an Older Neighbour If you have an elderly neighbour, you can play a key role in making their lives a little easier, just by making yourself available and looking out for them. In doing this, you could be providing some valuable help where it is needed and you might also make a new friend. 1.
2.
3.
Introduce yourself. If you are new to the area, make a point of getting to know the people who live near you. Knock on the door and introduce yourself. After an initial introduction, or if you’ve lived in the area for a while but don’t yet know your neighbours, say hello when you see them in the street. Do your best to be friendly and approachable from the outset. If your neighbour is elderly, there may be relatively simple tasks that they are no longer able to do on their own. Don’t be shy. Approach them and ask if there’s anything they need help with. Many older people are fit, healthy and independent, so be careful not to be patronising, but mention that you are available to help out should they need it. Jobs like changing a light bulb, mowing the lawn or some basic DIY may be things that you can help with. Offer to run errands if you’re going to the shops. When you are next going shopping or into town, mention it to your neighbour and ask if there’s anything they’d like you to fetch while you’re there. If you know they find it
5.
6.
7.
8.
difficult to leave the house, you might offer to run a few errands for them. Having someone to help with the weekly grocery run may be highly appreciated. Help with benefit forms. There are a number of benefits specifically available to older people, such as the pension, tax rebates or benefits and various other allowances. Check with your local authorities and national government for more details. Some of the forms for these can be long, in fine print and involved, and your neighbour may appreciate help with the process of filling these in. Provide some company. Notice whether or not your neighbour has any regular visitors. If their family lives far away and they don’t leave the house much, they may appreciate someone popping round once every so often for some company. You might offer to cook them dinner once a week, or simply pop in for a cup of tea. Read the signs. If you have not seen your neighbour for a while, pay particular attention to some simple signs. Do the lights come on at night? Do the curtains get drawn? Is the garden tended? There may be an accumulation of mail under their door, or more milk bottles than normal on their doorstep. If you have any reason to suspect that your neighbour might be in need of help, knock on the door to check that they are all right. Follow up if you are concerned. If you are seriously concerned for your neighbour’s well-being, or suspect that they may not be able to look after themselves, ask them if they are all right. If you suspect that they need help but they are unresponsive to your offers, then seek advice from your local council. They may be able to send round a non-threatening visitor like a community worker to make sure that everything is all right. Find the number for your local council online or in the phone book. If they have children or grandchildren play with them too! It really makes them happy.
11
Tips & Advice Simple Ways to Make Your Neighbourhood a Safer Place Long gone are the days where all the neighbourhood kids played sport in the middle of the street each summer night. Whatever the cause, one thing is for certain: many neighbourhoods today are lacking the close-knit feeling that was prominent just 10 or 20 years ago. Missing this feeling creates concerns for neighbourhood safety overall. Neighbourhood safety is a team effort, but it starts with you. What can you do to make your neighbourhood a safer place? We have some simple tips here.
1. Know your Neighbours This cannot be emphasized enough. Know whether they work during the day, whether they have children (and, if so, what they look like), and what their needs are. Do you live next to an elderly couple that stays home, but sometimes needs help? Or is there a teenage driver in the family? Are there small children you need to look out for? Knowing these things helps you be aware of who is in your neighbourhood and what could be suspicious. Have a way to reach your neighbours if they’re gone and something is amiss in the neighbourhood. Feel free to contact them if you see any out-of-ordinary or suspicious behavior around their home or if you’re gone and would like them to check up on your house.
12
Ti
2. Keep up your GARDEN, and encourage neighbours to do the same
A neighbourhood with mowed lawns, flowers, and freshly painted homes looks like it’s cared for, and this alone can help deter crime. A well-kept garden also provides fewer places for suspicious persons to take cover. If there is a certain open lot or abandoned home that is an eyesore, work together as a neighbourhood to clean up weeds, plant trees, and do a bit of fixing up on the exterior.
Please visit Neighbourhood Watch Victoria at nhw.com.au to join an existing neighbourhood watch group or start a new one.
3. Be extra cautious when you go out of town
6. Encourage outdoor activity
Talk to your neighbours and arrange for someone to mow your lawn or pick up your mail and newspapers. Use timers on your lights, or find a security system that will allow you to turn lamps off and on remotely.
Go on walks with your neighbour, work in your garden, and let your kids play with the neighbours down the street. Organising a neighbourhood BBQ can encourage people to feel more comfortable spending time out in the neighbourhood as well.
ips & 4. Close your windows and blinds at night
7. Install a security system
A big screen TV is a less enticing steal if no one knows it’s there. Leaving your blinds open and lights on at night provides a free look into your house, its layout, and the habits of its occupants. And leaving windows open at night or when you’re gone is an invitation for an uninvited guest to come on in.
In the end, one of the surest options to improve safety in your neighbourhood is to get a home security system and use it properly. A 2009 study by Rutgers found that, as the number of home security systems increased in an area, the number of residential robberies decreased in that area.
5. Improve the lighting on your street
Improving neighbourhood safety is a team effort, but it needs to start with someone and that someone should be you. As you get to know your neighbours, discuss your concerns, and apply some of the ideas above, you’ll find that your neighbourhood becomes not only a safer place to be, but a more enjoyable one.
Streetlamps are not the only way to do this. Ask that each household turn on their front lights in the evenings and install motion-sensor lights in the backs or sides of the house so potential intruders don’t have the darkness to hide in.
13
My Suburb Sales and Median Price (1/2/17 – 30/4/17) Altona Month
No. of Sales
Median
Low
High
Feb – 2017
18
$717,500
$600,000
$1,950,000
Mar – 2017
18
$845,500
$399,000
$1,580,000
Apr – 2017
22
$794,000
$343,000
$1,408,000
No. of Sales
Median
Low
High
Feb – 2017
16
$574,000
$364,000
$950,000
Mar – 2017
17
$541,000
$365,000
$720,000
Apr – 2017
13
$560,000
$375,000
$772,000
Month
No. of Sales
Median
Low
High
Feb – 2017
15
$680,000
$250,000
$970,000
Mar – 2017
24
$785,000
$251,000
$1,405,000
Apr – 2017
7
$870,000
$440,000
$960,000
Altona Meadows Month
Altona North
Call us today to receive a marketing report for your property. 14
Get Your Copy
FREE
Brooklyn Month
No. of Sales
Median
Low
High
Feb – 2017
6
$516,000
$500,000
$870,000
Mar – 2017
7
$595,000
$450,000
$834,000
Apr – 2017
4
$685,000
$347,500
$1,005,000
Month
No. of Sales
Median
Low
High
Feb – 2017
1
$370,000
$370,000
$370,000
Mar – 2017
4
$635,000
$493,000
$1,250,000
Apr – 2017
4
$516,000
$175,000
$625,000
Month
No. of Sales
Median
Low
High
Feb – 2017
1
$295,000
$295,000
$295,000
Mar – 2017
2
$1,000,500
$881,000
$1,120,000
Apr – 2017
2
$1,295,000
$1,220,000
$1,370,000
Seabrook
Seaholme
This report has been compiled on 01/05/2017 by Sweeney. Property Data Solutions Pty Ltd 2016 - www.pricefinder.com.au
15
$
Finance PRE APPROVALS: WHAT YOU NEED TO KNOW
$
What is a Pre approval? A pre approval, gives a potential home buyer an indication as to how much they can borrow. The lenders assess a purchaser’s ability to service a loan based on the following criteria: • Repaying a loan based on income, living expenses and repayments of existing debts. • Other factors including credit history, stability of employment and the number of times an applicant changes residential address. Preapprovals are generally valid for 90 days, but can be renewed or extended (depending on lender policy) and are usually subject to the following conditions: • A suitable property being found and a valuation. • Changes to an applicant’s personal circumstances.
Significance of a credit-assessed pre approval: It is important to note that there is a difference between a system-assessed and a creditassessed pre approval. When a lender offers a pre approval in a few minutes, this is what is known as a system-assessed pre approval, which does not fully-assess or review an applicant’s personal circumstances or ability to repay a home loan. By having a pre approval that is not fully-assessed, there is an increased risk of the application being declined. Alternatively a credit-assessed pre approval is fully assessed by a lender’s credit department and reviews income, personal circumstances and providing a more accurate indication of a buyer’s ability to repay a home loan. If a buyer is going to purchase a property via auction, he or she will be buying without a finance clause, so they need a much clearer picture to determine what they can and can’t afford to bid. Speeds up the formal approval process: By having a credit-assessed pre approval in place, time is saved, as this part of the approval process is already completed, meaning the formal approval is organised much sooner.
$
Understanding what a buyer can and can’t afford: One of the main benefits of organising a pre approval, is that it provides a clear indication as to how much an applicant can borrow and in-turn allowing them to focus on properties in their price range.
Being seen as a genuine buyer: If a buyer has a pre approval in place, real estate agents will consider them to be a serious property player, especially in the current real estate market, which is very competitive. In addition to this a pre approval also provides the confidence to negotiate for a purchase price as well as bidding at an auction.
16
Importance of using a mortgage broker: When applying for a pre approval, it is best to use the services of a mortgage broker. Every time a pre approval application is submitted, it will appear on the applicant’s credit history and lenders will ask questions as to why there are many enquiries in their credit report. A mortgage broker will look at all available options and recommend a lender, which best suits the buyer’s needs.
If you would like further information about pre approvals, please call (03) 9398 1390 or visit www.mortgagechoice.com.au/glyn. camilleri
OUR SENIORS WANT to know how to age well? 80 things we can do…….. Part 1 1. 2. 3.
4.
5.
6.
Keep your old friends and make new ones. Spend time with younger people – they can learn from you, and you from them. Don’t be afraid of technology – computers and the internet open up lots of new possibilities. And don’t be afraid to ask for help with technology – maybe from some of those younger people you have met. Exercise is one of the best things you can do to age well, so aim to be physically active on most, or ideally, every day of the week. 30 minutes on most days is the recommendation, but it can be broken down into smaller amounts if you can’t do it all at once. Exercise comes in many forms (cardio – strength – balance – flexibility) and you should try and do some of each. If you are unsure about which types of exercise you can do, especially if you have any medical conditions, ask a professional such as your GP, or an exercise physiologist or physiotherapist. Build exercise into everyday activities when you can, such as housework, gardening and walking to the shops.Try and do exercise that you also enjoy, because you are more likely to do it.
7. 8.
9. 10.
11. 12.
13. 14.
If you haven’t exercised for a while, get checked out by your doctor first. Challenge your mind by learning new things that interest you. For example, learn a language, learn to dance, read more, learn a musical instrument, do a community college course. Do things that give you a sense of personal achievement. Engage in activities that combine social, mental, and/or physical benefits, such as team sports, chess, cards, Scrabble, dinner parties, singing in a choir, or dancing. Experience new things just for the fun of it. Learn new recipes, especially those that support a healthy diet (for example, the Mediterranean diet, which is high in vegetables, whole grains, nuts, olive oil, fish and poultry). Strike up a conversation with your neighbour or someone who lives in your community. Become a volunteer for a cause or group that you feel passionate about – it’s good for society and it’s good for you too.
15. Loads more tips to come in future editions.
17
21 Top T ips To
YouR H
sell
omE fo
r more !
What Do Home Bu
yers Lo In the pa ok For W st 2 years hen Hu many pe nting Fo of presen r A Home ople ha tation be ve aske fore pu ? is it to ha d us wh tting the ve a we at they ir prope ll presen should Well-pres rties on ted home do in the the ma ented . The sim way rket an propertie ple answ d how With mo s sell for er is … VE importa re than more in RY impo nt 30 years found tha the rta shortest nt. in selling t there amount thousa are ma your pro of time. nds of ny tips perty an propertie tha t d wil s in your we wo l help yo We hope uld like area we u add to share you wil a have great de l enjoy them wit al of va this guide h you. lue to .
ALTONA 54 PIER STREET (P) 03 9398 3777 ALTONA North SHOP 15 Borrack Square s/c (P) 03 9399 3636 Disclaimer: It is not intended that the information and opinions in this newsletter be treated as advice professional or otherwise. Sweeney Estate Agents do not accept any form of liability, be it contractual, tortuous or otherwise, for the contents of this newsletter or for any consequences arising from its use or any reliance placed upon it. The information, opinions and advice contained in this newsletter are of a general nature only and may not be applicable or appropriate to your specific circumstances. As there are many pitfalls associated with buying and selling real estate it is important to get professional independent advice.
ink creative 03 9689 9499
ur free o y t e g day to Call us to ell Your S o T s p i ‘21 Top T f o y p o c Guide ’ e r o M r Home Fo