Real estate news from Raine & Horne for March 2018

April, 2018 by

NSW real estate review

After taking a breather after its record run six-year run, Sydney’s Inner West market is starting to pick up again, according to Paul Pettenon, Principal of Raine & Horne Concord.

Paul said that demand for quality, well-located property is robust, with Raine & Horne Concord securing the sales of two substantial family homes at 312 Concord Road, Concord for $1,860,000 and 115 Davidson Avenue, Concord for $1,905,000.

Another significant transaction in March was the sale of a classic 1920s Californian Bungalow at 14 Queen Street, Concord West for $1,770,000. With listings in ample supply, buyers can afford to be more selective, noted Paul. “However, many vendors are responding appropriately by establishing realistic asking prices for their properties.”

Property prices within a two kilometre radius of the new north-south rail link are drawing plenty of investor interest, according to a media report, with prices likely to increase by 15% over the next few years. The rail link is to be rolled out ahead of the planned airport at Badgerys Creek, scheduled for completion in 2026. The confirmed first stage, set to connect St Marys station to Bringelly has driven an immediate upswing in local home prices. Raine and Horne St Marys Sales Manager Peter Diamantidis told news.com.au that investors had streamed into the area since the announcement after a lengthy absence from the market. “If we were to have 10 people at an inspection, seven or eight would be investors. In November seven or eight were owner occupiers,” Peter said.

Meanwhile, former Australian cricketer Michael Clarke joined the chorus of support for Central Coast real estate, buying into and personally endorsing one of the region’s newest boutique developments, Viciniti, in Point Frederick.

Attending a VIP launch in Gosford before Easter, the ex-Australian captain said it was clear to him there was no doubt that Gosford was a growing area, and the investment was a “great opportunity.”

Headed by REINSW vice president and Raine and Horne Terrigal & Avoca Beach director Brett Hunter, the Viciniti project has an expected 14-month turnaround, with the apartments ranging in price from $420,000- $1.4 million.

 

Queensland real estate review

The beachfront markets of the Gold and Sunshine Coast, and Noosa, finished 2017 with the strongest growth in the state, significantly outperforming Brisbane.

The Gold Coast delivered a gold medal performance, with the annual median house price growing by 7.7%, to end the year on $615,000, according to a report from the Real Estate Institute of Queensland (REIQ). The Sunshine Coast median house price grew 6.4% to end the year at $569,000 and Noosa grew 6.2% to deliver an annual median house price of $650,000, finishing the year just $15,000 below Brisbane LGA median house price.

REIQ CEO Antonia Mercorella said Noosa was an area where demand was placing strong pressure on limited supply levels. “This is an area that could do with more supply, but clearly the topography makes that challenging.

“Noosa’s world-class beaches, stunning natural bushland settings and wonderful warm community are factors that are fanning the flames of buyer demand. It is inevitable that this will push up prices,” she said.

The Gold Coast market has benefited from a strong local economy, a direct result of the infrastructure investment ahead of the Commonwealth Games in April. Upward pressure on prices has seen some suburbs demonstrate explosive median house and median unit price growth.  Mermaid Beach is the Gold Coast’s most expensive suburb for houses, with growth of 8.9% delivering a median house price of $1.56 million.\

 

Western Australia real estate review

After real estate sales in Perth dropped off due to the Labor Day long weekend, activity had rebounded by the middle of March, according to data from the Real Estate Institute of Western Australia. Craig Abbott, General Manager, WA, Raine & Horne said, residential markets in Perth are still bouncing along the bottom of the cycle, although there are pockets of positivity. “These pockets include western suburbs such as Subiaco, Clermont and Dalkeith and this activity suggests the overall Perth market will start to collect more steam in 2018.”

Meanwhile, the NorthLink WA transport link between Morley and Muchea which is driving commercial sales, will have long-term benefits for residential markets, noted Craig. The $1.02 billion NorthLink WA will facilitate improved traffic movements between commercial and industrial areas such as Malaga, Kewdale and the Perth Airport and the Perth CBD. Craig explains, “NorthLink is a massive project and is creating more jobs in infrastructure which is driving up consumer confidence.

“Buoyant consumers spend money, which is fantastic for retail trade and residential real estate activity too.”

 

South Australia real estate review

Following the release of the Valuer – General’s median house prices for the December 2017 quarter, the regional housing market recorded a median house price of $260,000 according to the Real Estate Institute of South Australia.

Although slightly down from the previous quarter and the same period last year, the result is still a strong result. Importantly, sales volumes were up more than 10% from the previous quarter and 15% from the same quarter last year.

REISA President, Mr Alex Ouwens said: “It is great to see that sales volumes are significantly up in regional South Australia during the last quarter of 2017.  The regional market is a resilient market and I am delighted to see it doing well.”

Suburbs which have seen the largest growth over a 12-month period are Renmark, Berri and Port Lincoln with increases of 41.16%, 11.76% and 10.80% respectively.

Top selling suburbs in terms of recorded sales over the December quarter were the perennial Top 3 – Mount Gambier, Victor Harbor and Murray Bridge.

 

Victoria real estate review

The Melbourne housing market continues to outperform Sydney with annual growth of 6.9%. In comparison, Sydney values fell by 0.5% in the 12 months to the end of February, according to CoreLogic.

Randolph Clements, Managing Director of Raine & Horne Victoria, commented that some experts were focused on a recent statistic showing that the Melbourne market had fallen by 0.1% in February. “This is an infinitesimally small drop and is spread across the entire Melbourne market,” said Randolph. “It does not consider the many, many markets in Melbourne that are still enjoying decent capital growth.

“To illustrate, we sold a knockdown property in Mount Martha for over $900,000. Local agents didn’t expect it to sell for $750,000, but the final sale beat these expectations by $150,000.”

Underpinning the Melbourne market is the massive infrastructure investments in transport. This includes the Metro Rail Tunnel, a five-year project worth $11 billion and the $6.7 billion four-year Westgate Tunnel project. Randolph noted, “Since negotiating the ills of the “recession we had to have” in the 1990s, we’ve had 17 years of growth in Melbourne.

“Even if interest rates go up by 100 basis points, they’ll still be low in comparison to other times in our economic history. It won’t make much difference, and people will still want to buy quality, well-located property in Melbourne.”

 

Tasmania real estate review

The value of Battery Point homes has grown by $62,500 annually for the past 10 years virtually doubling the value of Tasmania’s most exclusive and expensive suburb, according to new data from realestate.com.au.

The report revealed that homeowners or investors who bought property in Battery Point, Hobart, North Hobart, Dynnyrne and Sandy Bay would today be sitting on gold mines. In 2008 Battery Point’s median price was $650,000 but by mid-February this year, CoreLogic figures show the coveted city suburb’s median was $1.275 million.

In Hobart the median grew from $392,500 in 2008 to $825,000 while North Hobart homes more than doubled in value from $310,000 to $670,625.

 

Northern Territory real estate review

With the Darwin property market now officially at the bottom of the cycle, Raine & Horne Darwin is responding by auctioning 12 properties in a single night on Wednesday 21 March.

A highlight of the first-ever Raine & Horne Darwin Clearance Auction was the sale of a striking three-bedroom apartment with stunning views of the marina at Cullens Bay. “Despite Darwin’s real estate values beginning to improve slowly, there is still a surplus of properties on the market. As such, we have decided to hold a clearance auction that puts motivated sellers and buyers together to help get the market moving,” said Glenn Grantham, General Manager, Raine & Horne Darwin.

“Over the past three weeks, we have conducted a high impact marketing campaign that includes collaborating with the major property portals such as realestate.com.au and Domain, as well as social media, to promote the event.

“As a result, we have had fielded strong enquiries from local owner-occupiers and investors, as well as some requests for contracts from interstate buyers who have been attracted by the quality and affordability of the stock that is set to go under the hammer.”

An auction is becoming a more accepted method of sale in Darwin, according to Glenn. “Selling under the hammer is the best way to flush interested buyers out of the woodwork,” he said. “It puts deadlines on buyers and sellers, and it gets both a fair market price.”

Real estate news from Raine & Horne for November 2017

March, 2018 by

NSW real estate review

CoreLogic’s January Hedonic Home Value Index results again show that real estate in regional NSW is enjoying annual capital gains of 6.8%.

The leading lights in NSW are Newcastle and Lake Macquarie with growth of 10.3%, followed by South Highland and Shoalhaven where values were up 10%. Other NSW regions among the growth leaders Are Coffs Harbour (up 8.7% p.a.), Illawarra (6.7%), Hunter Valley (5.9%) and Central West (5.5%). 

In the Shoalhaven, Ben Pryde, the Principal of Raine & Horne Mollymook/Milton, told realestate.com.au that Sydneysiders have been leading the charge for local properties and that they are paying huge prices.

Meanwhile, Michelle Mackay, Co-Principal, Raine & Horne Bathurst told the Western Advocate that first home buyers will be out in force in 2018 in the central western NSW town. “They stood back a little bit last year because of the prices, but I think if interest rates stay low we will see first home buyers come back into the market,” she said. Properties ranging in price from $450,000 to $550,000 are expected to be most in demand in Bathurst.

According to CoreLogic head of research Tim Lawless, higher commodity prices and

improving labour force conditions, as well as significantly reduced values in some regions should help to support improved buyer demand.

Interestingly, the NSW Valuer General’s Report on Land Values at 1 July released in January supports the growing popularity of regional real estate. Coastal centres further from the major cities, for example, generally experienced increases in unimproved residential land values of around 10%, noted the Valuer General. “However, Byron Bay was a significant outlier with an overall increase of 25.8% due to strong demand from both investors and owner occupiers.”

 

Queensland real estate review

Regional areas of Queensland moved into growth territory, according to the latest CoreLogic Hedonic Home Value Index, a result supported by the Real Estate Institute of Queensland (REIQ).

The REIQ reports that vacancy rates across regional Queensland are falling, which is excellent news for investors and budding landlords. In early 2017, only Toowoomba the Gold and Sunshine coasts and Cairns had tight vacancy rates. By December 2017 the rental markets of Bundaberg and Mackay were moving towards much healthier statuses.

Rockhampton and Townsville have made significant moves toward a healthy status. Rockhampton vacancies were at 8.6% in March 2017 but by December had improved considerably to reach 5%. Townsville has shown similar improvements, tightening from 6.2% in March 2017 to fall to 4.6% by the end of last year.

The combination of an improving broader economy, a stronger coal price, and better employment figures is having a positive impact on regional rental markets, and this is good news, noted Antonia Mercorella, CEO of REIQ.

“As a recent Deloitte Access Economics report shows, Queensland’s economic prospects are improving with Queensland the most popular destination for internal migration. Our population is steadily growing, and people typically rent before they buy, testing out the area before they commit to a mortgage,” Antonia said

Des Besanko Director of Raine & Horne Mackay, Mackay Beaches and Moranbah agrees, saying, “Regional cities such as Mackay offer absolute beachside living for a fraction of the price you’ll find in a major capital city.

“In Mackay, the median price for a two-bedroom apartment is about $300,000, which compares favourably to beachside suburbs in Sydney.”

 

Western Australia real estate review

The Perth property market ended 2017 on a positive note, according to the latest data from the Real Estate Institute of WA (REIWA).

The WA capital’s median house price increased 1.2% to $516,000 in the December quarter 2017, according to REIWA, while other key categories such as sales activity, listing levels and average selling days improved.

Craig Abbott, General Manager, WA, Raine & Horne said the result was expected and set the scene for a solid first quarter for 2018. “At the tail end of last quarter, we saw the key numbers start to firm up. And then through Christmas, those Raine & Horne offices that stayed open, were busy.”

“A lot of sales representatives have been saying that since they came back in January, there were a lot of inquiries from buyers and homeowners pondering whether the time has arrived to sell.”

Significantly, it was ten days faster to sell a Perth property in the December quarter than in the September quarter, with it taking on average 60 days to secure a sale. “It’s been two years since it was this quick to sell in Perth. The combination of sellers’ preparedness to meet the market and buyer appetite for well-priced property has significantly shortened days-on-market,” said Hayden Groves, President of REIWA.
South Australia real estate review

A massive investment in infrastructure coupled with stronger resources prices and property affordability will increase Adelaide real estate activity and values in 2018.

“After five years of strong returns in Sydney and Melbourne, investor attention will start shifting to the Adelaide real estate market in 2018,” said Michael McDonald, General Manager, SA, Raine & Horne. “For starters, the median Adelaide property value is around $430,000, which is virtually equivalent to a house deposit in Sydney.”

He added, “The massive infrastructure investment currently underway, will continue to create plenty of jobs and economic growth, which augers well for Adelaide property longer-term.”

The South Australian Government announced a record infrastructure spend of $9.5 billion over four years is expected to support 5,700 extra jobs on average annually.

Michael noted, “The jobs growth from infrastructure is in addition to the 10,000 new jobs created in South Australia over the past couple of years in a range of growing industries.”

A further $1.5 billion will be spent on public transport, while South Australian roads will receive $1.9 billion. Other major infrastructure projects include the $50 billion contract to build a new fleet for the Australian navy. “The combined state and federal government spending on infrastructure will provide the necessary shot in the arm for the state economy, and consequently, Adelaide property prices should benefit with an average of 3-5% p.a. plausible over the next three years or so,” said Michael.

 

Victoria real estate review

Owner-occupiers boosted the values of larger homes across Melbourne according to new REIV data.

The research shows three-bedroom houses outperformed all other property types in the December quarter, increasing by 2.6% to a citywide median price of $730,000.

REIV President Richard Simpson said traditional three-bedroom family homes in the city’s outer suburbs experienced the most substantial price growth, up 17.2% over the quarter to a median of $587,000. “Space is at a premium, which is encouraging more family buyers to consider established suburbs in the city’s outer ring,” he said.

Densification changes and height restrictions last year contributed to increased developer demand for more significant homes and land blocks in the inner and middle ring suburbs, noted REIV.

Melton and Melton South in the city’s west experienced some of the most substantial quarterly price growth for this property type, up 17.8% and 14.7% respectively. Despite the increase, the median price of a three-bedroom house in both suburbs remains under $400,000.

Richard Simpson added that four-bedroom homes also performed strongly in the December quarter, up 2.5% to a citywide median of $851,000. Hoppers Crossing in the south-west saw the most significant increase for four-bedroom houses with the median price increasing 12.6% to $595,000.
Tasmania real estate review

Hobart continues as Australia’s most reliable capital city market with growth of 3.1% for the three months to the end of January 2018.

On an annual basis, Hobart values ate growing at 12.4%, according to the latest CoreLogic Hedonic Home Value Index. That said, the Real Estate Institute of Tasmania reports that real estate activity is increasing across the state.

The REIT’s December Quarter set a new benchmark for the cumulative value of sales, exceeding $1 billion for the first time. A pickup in Southern Tasmania transactions (+16%) and strong performances from Launceston (+4.1%) and the North West (+4.5%) contributed to this result, according to the REIT. Unit and townhouse sales surged in the North West (up by 50%) and Launceston (+7.4%). Land sales increased by 14%.

The December 2017 quarter saw first home buyers record their highest number of sales, with investors representing 19% of sales. Interstate buyers were responsible for 23% of all sales at a median price of $349,500 with Tasmanians dominant recording 75% of sales.

Inner Hobart ($903,000), Sandy Bay ($883,000) and West Hobart ($806,944) headed up the top 10 median priced suburbs while Zeehan ($40,000), Rosebery ($67,000) and Queenstown ($78,750) were the three most affordable.

 

Northern Territory real estate review

Commentary suggesting the NT property market is struggling to rebound is wide of the mark, said Glenn Grantham, General Manager, Raine & Horne Darwin

‘The Northern Territory real estate local market report,’ which is published by the REINT, shows the Darwin property market experienced “lacklustre” conditions during the December quarter. “While it finished with a small bounce in house sale volumes and median prices, it is a stretch to claim the market has bounced back,” REINT chief executive, Quentin Kilian told The Real Estate Conversation.

Glenn disagrees, and he remains convinced the Darwin property market has reached the bottom of the cycle. “We now have international investors contacting us about apartments in the Darwin CBD, Larrakeyah and Stuart Park where values have taken a tumble over the last few years,” he said. “The fact we have global investors seeking value and yield is a bellwether sign that the Darwin market is turning.”

There hasn’t been any international interest in the Darwin property market for five years, noted Glenn. “That said, we are still in a tough market for vendors, and a tough market calls for a tough, efficient agent such as Raine & Horne Darwin.”

Regional real estate markets start 2018 in rock-solid form

March, 2018 by

Housing values in regional Australia continue to edge higher, according to the latest CoreLogic hedonic home value index.

In January, the combined values Australia’s regional property markets increased by 0.2% in January. The combined regional markets have now recorded a stronger monthly change in values relative to Australia’s capital cities over each of the past four months.

Regional New South Wales produced the highest rate of annual capital gains at 6.8%, according to CoreLogic. Regional Tasmania maintained its healthy upward trajectory due to the ripple effect stemming from Hobart, where property values are growing by 12.4% annually.

In Queensland and South Australia, regional markets moved into growth territory too over the three months ending January. This result is the first positive quarterly shift in dwelling values since May 2017 for both state’s regional areas.

A rally in commodity prices is attracting buyer activity to regional South Australian towns such as Roxby Downs, Whyalla, Port Lincoln, as well as Port Augusta, which stands to benefit from the construction of nearby Oz Minerals’ Carrapanteena copper and gold mine, noted Craig Sumison, Principal, Raine & Horne Roxby Downs. Copper prices, for example, are up by about 20% over the past 12 months. “The Olympic Dam Mine that contains a mix of uranium oxide, copper, gold and silver is undergoing expansion and maintenance work, which will contribute to more mining specialists moving to nearby Roxby Downs,” said Mr Sumison.

Use your equity to drive down your rate

March, 2018 by

The RBA left the cash rate on hold, but that doesn’t mean homeowners should accept their current mortgage interest rate.

New research from comparison website RateCity.com.au shows that some of the lowest rates on the market are reserved for mortgage holders who have plenty of equity in their property. One lender, for example, is currently offering a rock-bottom rate of 3.44%. The catch is that the householder must own at least 70% of the property, according to Rate City.

RateCity Money Editor Sally Tindall said, “Borrowers who have benefited from the property boom are in the drivers’ seat,” she said. “If you own more than 20% of your property, you’re holding a powerful bargaining chip,” she said.

The message is clear to homeowners says Dawn Inanli, General Manager, of Raine & Horne’s financial services division, Our Broker.  “Talk to one of our finance specialists about what mortgages will suit those owners with plenty of equity. Then go back to your lender and ask for a better rate. If your lender doesn’t budge, we can help put you in touch with a more suitable home loan.”

RateCity research shows an average borrower with a discounted variable mortgage $350,000 with a loan term of 30 years, with one of the big four banks could save an estimated $215 per month or $77,343 over the lifetime of their loan by switching to the lowest rate lender on the market.

Interest rates on hold as Aussies sell shares

March, 2018 by

On the day the Australian share market went into freefall, the Reserve Bank of Australia (RBA) decided to keep the official cash rate on hold.

It is now 19 months since Australia’s central bank has changed gears on monetary policy. The last move was a 0.25% cut in August 2016

As the central bank was taking its steady as she goes approach to Australia’s monetary policy on Tuesday 6 February, it was a bloodbath for the share market. The benchmark S&P/ASX200 share market index plummeted 192.9 points or 3.2%. This correction represented a $60 billion loss in value and $90 billion loss in two days.

It was the worse day in three years for shares and puts the January fall for Sydney real estate prices of 0.9%, according to CoreLogic, into perspective.

Given the volatile ride that equity market investing brings, it’s little wonder Australians gravitate to bricks and mortar to build long-term wealth, noted Angus Raine, Executive Chairman Raine & Horne. “Australia’s love affair with real estate is worth an estimated $6 trillion at last count,” said Angus. “This massive pool of capital towers over other asset classes such as shares, a fact our politicians and bureaucrats would do well to remember in the leadup to the next Federal Election.”

SQM predicts price growth as listings fall

March, 2018 by

Figures released in early February by SQM Research show that national residential listings fell by 4.8% to 303,901 in January, as sellers enjoyed a break over the summer holidays.

The fall in listings was led by a 13.9% drop in Melbourne then a 6.9% fall in Sydney. Melbourne and Brisbane’s stock levels are down significantly from this time last year by 11.9% and 29.1% respectively. This result is reflective of a sharp squeeze on properties available for sale in those cities. But SQM says that when compared to January 2017, listings are up by 20.9% in Sydney, reflecting a substantial increase in properties available for sale.

In Canberra, listings fell 6.2% and by 5.8% in Adelaide. In Brisbane, the stock on the market dropped by 3.9% with more modest falls in Perth of 2.1% and 1.3% in Darwin. In Hobart, listings were down by 2.6% over January.

The fall is predictable given January is a summer holiday month, according to Angus Raine, Executive Chairman, Raine & Horne. “With interest rates on hold at historic low rates and news trickling through that the banks are considering loosening some of the lending shackles, we expect 2018 will be a steady year of activity for Australian real estate.”

Government announces comprehensive credit reporting (CCR)

December, 2017 by

In early November, Treasurer Scott Morrison announced the Federal Government would implement mandatory comprehensive credit reporting (CCR) from 1 July 2018, as recommended by the Productivity Commission.

The CCR regime will be introduced with the Big Four banks and is likely to be rolled out to other credit providers in the Australian market, according to finder.com.au. The new regime will provide lenders with a better understanding of a borrower’s risk profile and their propensity to service debt.

For borrowers with a good credit history, the new regime and availability of data are likely to provide them with greater access to more competitive products.

According to a recent finder.com.au survey of 2,033 respondents, 67% of Australians believe a sound financial history should provide them with access to cheaper interest rates. Angus Raine, Executive Chairman of Raine & Horne, noted: “This change will be fantastic for first home buyers who are just coming to grips with their finances and who are seeking a suitable first home loan.

“More comprehensive credit reporting will give consumers realistic and factual figures to work with, which will take some of the emotion out of the borrowing process.”

Adelaide is the most affordable for renters

December, 2017 by

The South Australian Government is injecting billions of dollars into Adelaide’s infrastructure, and now there’s good news for renters too.

According to renter.com.au (ASX: RNT), the average weekly rent for an apartment in Adelaide is $290 a week. If you prefer a house, then Perth is for you. In the Western Australian capital, the average weekly housing rent is $350. The next most affordable is Hobart, where the average house rents for $395 a week.

Comparatively, average rents rose in three states in October, according to renter.com.au. Victoria was up 1.78% to an average weekly rent of $285, with Western Australia increasing by 1.56% to $325 a week and South Australia by 1.96% to $260 a week.

*All figures sourced from CoreLogic’s Hedonic Home Value Index November 2017

Buyer numbers at auctions in Brisbane and Sydney increasing

December, 2017 by

As the end of the year approaches, everyone is getting their Christmas shopping lists in order – and for many buyers, this seems to include a new property.

This trend bodes well for auction campaigns, which can significantly reduce the days on market it takes to sell a property, as it creates concrete deadlines for buyers and sellers. “We’re noticing that buyer numbers are increasing at both onsite and in-room auctions as it gets closer to Christmas and it’s evident most buyers want to secure a property before the holiday season,” said David Bennett, Chief Auctioneer, Raine & Horne in Brisbane.

Last week in Queensland, Raine & Horne Cleveland conducted in-room property auctions at the Pacific Resort Cleveland, with eight properties up for grabs. The auction event, led by David, attracted 45 bidders and interested parties, with local owners and buyers were impressed with the outcomes. David noted, “Over the past three weeks we’ve seen the sale clearance rate stay above 45% and post-auction sales increase to around 70% within days of the auction. These results suggest the demand for Brisbane property remains strong.

In Sydney, recent results at Raine & Horne Marrickville were similarly positive, with an in-room auction campaign resulting in multiple bidders for most properties and another large crowd on site testing the market. This successful auction campaign saw 10 out of 12 properties sold on the night or within a week of the auction, and is a significant indicator that there is plenty of life still in the Sydney property market, noted Angus Raine, Executive Chairman, Raine & Horne.

First home buyers returning to real estate

December, 2017 by

The September housing finance figures released in early November by the Australian Bureau of Statistics (ABS) show that first home buyers are continuing to make their presence felt in the housing market, according to the Real Estate Institute of Australia (REIA).

“The proportion of first home buyers, as part of the total owner-occupied housing finance commitments, increased to 17.4% and this is the highest proportion since November,” said REIA President Malcolm Gunning.

Angus Raine, Executive Chairman, Raine & Horne said a combination of low-interest rates and state government incentives were proving pivotal in attracting younger Australians to home ownership.

The Reserve Bank left the official cash rate at 1.5% in early November, and Angus noted that a rate increase is now at least 12 months away. “Historical low-interest rates present a valuable opportunity for first home buyers to shop around among the lenders to land the best home loan rate possible,” he said. “If you’re unsure about where to start the home loan journey, it might be worth seeking the advice of a finance specialist such as Our Broker.” To contact a mortgage specialist from Our Broker, call 1800 913 677.

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