fraser coast property guide 25th april 2013

Download Fraser Coast Property Guide 25th April 2013

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Fraser Coast Property Guide 25th April 2013

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  • Shop 4&5, 341 Esplanade, Scarness | P (07) 4124 2527 F (07) 4124 2521

    enquiries@rstchoicerealty.com.au | www.rstchoicerealty.com.au REIQ2013

    ACCREDITEDAGENCY

    VENDOR SAYS SELL16 Archer Dr, Point Vernon $290,000

    94 Bedrooms main with ensuite9Open plan living9Outdoor entertainment Area9Dlug, fully fenced with good side access

    EXCELLENT LOCATION18 Cedar Crescent $290,000

    93 bedrooms9SLUG currently used as utility room9Central location9Close to schools, shops and sporting facilities

    VERY CONVENIENT LOCATION 25 Bianca Ct, Torquay $345,00094 bedrooms main with ensuite9Built-ins and ceiling fans to all bedrooms9Galley style kitchen with s/s appliances9Remote Dlug9Fully fenced 681m2 block9Close to sporting elds and aquatic centre

    Location - One of the BEST36 Frangipanni Ave, Kawungan $269,0009Popular central location93 bedrooms9Airconditioned lounge room9Separate double lockup garage with power91012m2 block with good side access

    MODERN HOME - CLASSY AREA6 Endeavour Way, Eli Waters $325,00094 Bedroom Home9Main with ensuite and w.i.r9Large family room9Airconditioned formal lounge9Tiled living areas9Outdoor entertainment area9Fully fenced 792m2 block

    Contact Brendon Hawes on M 0438 200 941 Contact David Yarrow on M 0418 795 752 Contact Brendon Hawes on M 0438 200 941

    MAGNIFICENT ALLOTMENT33 Christensen Street 9Vacant block9Panoramic views of Hervey Bay & Fraser Island91,000sqm allotment9North/South outlook

    Contact David Yarrow on M 0418 795 752

    Contact David Yarrow on M 0418 795 752

    BRAND NEW HOMEFirestone $334,00094 bedrooms, 9Main with ensuite and w.i.r9Fully fenced 638m2 block9FHOCG - $15,000 if eligible*9Council Rebate - $12,000 cond / apply* = $27,000 OFF THE LISTED PRICE

    INVESTORS TAKE NOTE 28 Thornbill Drive, Eli Waters $295,00094 bedrooms main with ensuite and wir9Formal lounge9Separate office or childrens play room9Huge, private outdoor entertaining area9Excellent backyard for the kids9DLUG at rear complete with power

    Contact Brendon Hawes on M 0438 200 941 Contact David Yarrow on M 0418 795 752 Contact David Yarrow on M 0418 795 752

    Thursday, April 25, 2013Thursdayy, Appril 25, 2013

    On Auction day this Saturday at 12.00 noon sharp you will fi nd this contemporary, near new home having plenty of interest.

    Timber fl oor throughout the house and a kitchen island bench gives it a wide and open feeling. All rooms are of good size and the bathrooms are enormous. Two car spaces under the

    house allow you to park both vehicles and there is plenty of space on your acre / 2000sqm block of land.

    Inspect: Saturday, April 27 at 11.30am Auction: 12.00pmAgent: Gotthard Rotert 0439 770 145

    $280,000 TO $300,00017 Rural View Drive, Craignish

  • Mortgage holders are often told that making more frequent repayments will help to repay a home loan sooner. However, the time it takes you to pay back the loan can ultimately come down to how your lender calculates the repayments, according to Mortgage Choice in Hervey Bay and Maryborough.

    While most lenders offer the option to make more frequent repayments on a principal and interest home loans by way of weekly or fortnightly instalments, there are different ways in which lenders calculate loan repayments. It is worth noting that some methods are more beneficial than others.

    Local Mortgage Choice franchise owner, Peta Short said, It is possible for borrowers to make big savings on their home loan by making weekly or fortnightly rather than monthly loan repayments, but it really comes down to the way in which their lender calculates the repayment amount.

    Peta explained that some lenders calculate weekly loan repayments by dividing the annual repayment amount (12 x monthly repayments) by 52 weeks, which is often referred to as true weekly repayments. The same principle applies to true fortnightly repayments, whereby the annual repayment amount is divided by 26 fortnights.

    While making true weekly or fortnightly repayments will help to pay part of the principal loan amount off sooner each month and allow you to save on the interest calculated on the loan, the rewards will be minimal. This is because borrowers wont be paying any extra off the principal loan amount when compared to monthly loan repayments, said Peta.

    Other lenders use a simpler method of calculating weekly or fortnightly repayments that may be more beneficial to some borrowers.

    That is, lenders calculate weekly or fortnightly repayments by dividing the monthly repayment by four to calculate weekly repayments or by two to calculate fortnightly repayments.

    This repayment method can have a greater impact on your repayment strategy as not only are you paying more frequently, due to the varying length of months, but you also make the equivalent of one extra monthly repayment each year.

    Keep in mind that this method will see you making more than two repayments during some months of the year. For this reason, it is very important to budget accordingly, and you may even consider nominating your repayment dates to suit your pay cycle.

    Also note that not all lenders offer this repayment method, so it is a good idea to ask your lender or mortgage broker, such as myself, for details on how the repayments are calculated before committing to the loan.

    Peta concluded by encouraging borrowers to make savings on their home loan when possible.

    Ultimately, to repay a home loan sooner, you should be aiming to pay extra into your loan or offset account, if you have one. Simply rounding up your weekly, fortnightly or monthly repayments to the nearest whole dollar could see you living mortgage-free sooner, said Peta.

    Can more frequent repayments see you mortgage-free sooner?

    How your lender calculates loan repayments can impact your repayment strategy

    About Mortgage ChoiceMortgage Choice has sourced a home loan for well over 350,000 people since 1992. It works with all manner of property finance borrowers via hundreds of franchises.

    The company writes one in every 25 home loans in Australia by providing professional guidance on, and choice of, products offered by an extensive panel of leading lenders. Many of its brokers provide a broader service, helping customers source commercial and personal loans, asset finance, deposit bonds and providing referrals for risk and general insurances.

    Uniquely, Mortgage Choice pays its franchisees the same commission rate for home loans they write, regardless of rate paid by the lender a new customer selects, working in the customers best interests to tailor a solution to them.

    To cater to the growing needs of our customers, Mortgage Choice soft-launched in October 2012 its new financial planning business. Mortgage Choice Financial Planning will officially launch in FY14.

    The company has no balance sheet or funding risk, and consistently delivers strong profits and attractive yields. It listed on the ASX in 2004 (MOC) and is a member of the Mortgage & Finance Association of Australia (MFAA).

    Recent recognition: 2012, 2011 Australian Broking Awards Major Brokerage of the Year Franchise; 2012 Australian Broking Awards Best Training and Education; 2012 Australian Broking Awards Best Ethical/Social Responsibility Program; No.1 on The Adviser magazines 2012, 2011, 2010 and 2009 Top 25 Brokerages list; 2012, 2010, 2009, 2008, 2006 and 2005 MFAA Awards Retail Aggregator/Originator of the Year; 2011, 2010, 2009 and 2008 10 Thousand FEET Top 10 Franchise list; 2010 Forbes Asia-Pacific Best Under A Billion list.

    Mortgage Choice holds an Australian Credit Licence: no. 382869, issued by ASIC.

    Call Petas team on 4124 7822 in Hervey Bay

    and 4123 5022 in Maryborough

    Visit www.mortgagechoice.com.au/peta.short or

    www.facebook.com/MortgageChoiceHerveyBayandMaryborough

    www.stevebagnallhomes.com.au Phone: 4124 7248info@stevebagnallhomes.com.au Display Centre 2/10 Liuzzi Street, Pialba

    QBSA 79915

    Discover the Difference

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    Real Quality = Real Value

  • MAIN SALES OFFICE 1/341 THE ESPLANADE, SCARNESSPHONE 4124 2747 OR AFTER HOURS 0428 589 010

    WEBSITE WWW.KERRYCAMPBELLHOMES.COM.AUEMAIL SALES@KERRYCAMPBELL.COM.AU

    OPEN MONDAY TO SATURDAY 8AM 4PM

    OTHER BUYERS $15,000 OFF LISTED PRICE

    = $30,000 OFFLISTED PRICE FOR FIRST HOME BUYERS

    *Conditions Apply

    GREAT START GRANT$15,000

    $12,000COUNCIL REBATE

    $3,000KERRY CAMPBELL HOMES BONUS

    +

    +

    Conditions Apply

    HARWOOD HEIGHTSFIRST HOME BUYERS

    LOT 5 COOKS ROAD, URRAWEEN

    THE LILLIPILLI 4 BEDROOMS ENSUITE WIR

    SEPARATE LOUNGE FAMILY DINING $299,000

    LESS $30,000$329,000

    $315,000

    LOT 7 COOKS ROAD, URRAWEEN

    THE FIRESTONE 4 BEDROOMS ENSUITE WALK IN ROBE LARGE FAMILY ROOM SEPERATE LOUNGE COLORBOND ROOF $334,000$315,000

    LOT 7 COOKS ROAD, URRAWEEN

    THE FIRESTONE 4 BEDROOMS ENSUITE WALK IN ROBE LARGE FAMILY ROOM SEPERATE LOUNGE COLORBOND ROOF $334,000$315,000$315,$315,000$315,000$315,000$315,000

    LOT 7 COOKS ROAD, URRAWEEN

    THE FIRESTONE 4 BEDROOMS ENSUITE WALK IN ROBE LARGE FAMILY ROOM SEPERATE LOUNGE COLORBOND ROOF $304,000

    LESS $30,000$334,000

    LOT 3 COOKS ROAD, URRAWEEN

    THE VENUS

    $321,000 4 BEDROOMS WITH PANEL LIFT DOOR

    SEPARATE LOUNGE ENSUITE

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