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In the rolling Tuscan hills not far from the mythic cities of Florence, Siena and San Gimignano is one of the largest private landholdings in all of Italy. Two grand cypress-lined lanes ascend to a historic castle. Dotting the estate are restored Casali (farmhouses) each with dramatic glass-tiled private pools. This treasured property is Castello di Casole, the newest and most romantic addition to the Timbers Collection portfolio.

Castello di Casole has a home to suit you with residences located privately throughout the estate or together in an enclave, just steps away from a five-star hotel.

A Signature Development of Timbers Resorts, the Castello di Casole estate is one of the largest landholdings in all of Tuscany – a 4,200-acre game reserve and working agricultural estate actively producing vintage wine and olive oil.

Commanding the most favored sites throughout the property are the ruins of modest Casali, each of which are unique to each other and are separately named with their own custom style, layout and color scheme. Each Casale farmhouse is a collection of main home and outbuildings, which now serve as unique and inviting guest quarters. Indoor spaces for each family compound are 4,000 to 7,000 square feet or 370 to 650 square meters.

Prices range from 290,000 – 590,000 Euro for Residential Interests; Whole Ownership pricing starts at 3.7 million Euro.

To view more information, images and the video click HERE (or any of the images above). You can also visit the Castello di Casole website.

Contact Michael Marquette on +61 433 170 170 or via email Michael@marquetteturner.com.au or Christine Watson on +61 414 352 680 or via email Christine@marquetteturner.com.au

Australia’s economy will avoid a recession next year, helped by lower interest rates, government spending and exports.

A recent Report (Economic Outlook No 84) by the Paris-based Organization for Economic Cooperation and Development (OECD) stated that the Australian economy will grow 1.7 percent in 2009 from 2.5 percent this year, before accelerating to 2.7 percent in 2010, despite the depressed international economic environment, the impact of the financial crisis and the fall in the terms of trade should be relatively contained within Australia.


Furthermore, the OECD expects the Australian unemployment rate will increase to 6% from 4.3% by 2010 but inflation will ease.

The forecast is relatively glowing for Australia when compared to the other major economies of the world, stating that 21 of the 30 member economies of the OECD will go through a protracted recession of a magnitude not seen since the early 1980s.

In recent weeks new property listings have shown a substantial decline and this is likely due to the proximity of the Christmas period. Michael Marquette

FYI: Read related articles on Interest Rates; the Economy; and the Credit Crunch

More information: OECD Economic Outlook No 84

Weekly auction clearance rates do not paint a particularly clear picture. They have quite a small sample size and show a lot of week-to-week volatility.

If clearance rates are on the way up, does this signal an improving property market? Well maybe, but before we pass judgement on the state of the market, we really need to know what the clearance rates measure and what it means to the property investor.

Auction clearances give an instant snapshot of the market, telling us a lot about prices, suburbs and auctioneers. Auctions are far more prevalent in Melbourne and Sydney, at about 50% of market sales, where they are the dominant sales form in the sought-after suburbs.

Auctions account for a smaller portion of the market in Brisbane, Perth and Adelaide and in the outer suburbs and regional areas of all states. Where auctions are not the dominant method of sale, the clearance data is less meaningful.

Clearance rate information is compiled from real estate agents’ reports of properties sold at, before or after auctions. Investors should note that reporting is not mandatory and will not include properties withdrawn from sale.

Sharp-eyed investors will also notice differences between clearance rates reported by different newspapers, the Real Estate Institute in each state, and APM, which can be explained by timing differences of agents reporting over the weekend or when some agents won’t report failed auctions.

The real issue is not the clearance percentage at all; it’s the underlying volume of successful sales transactions. This gives investors a truer picture of the market. For instance, a falling clearance rate can superficially mask a strong market if the supply of property lifts over a short period, so it’s not as reliable an indicator as it first appears.

Plainly then, high clearance rates can point to insufficient supply rather than a buoyant market, and low clearance rates, particularly in Brisbane, Adelaide and Perth, may not reveal a strong volume of successful private sales.   Monique Wakelin, The Eureka Report

FYI: Read related articles on Auctions; Buying Real Estate; and Real Estate Market

Here are Australia’s auction clearance rates for the capital cities for the weekend ending 23 November, 2008, courtesy of RP Data.

Simon Turner

FYI: Read related articles on Auctions; or Buying Real Estate; Credit Crunch; or Interest Rates

“Bailout” has been named as the “Word of the Year”, being the word that has been searched the most in online dictionaries and has become suddenly infused into daily language.  “Turmoil” was up there too!

Things may be worse than they were perhaps a year ago, but please take a moment to think of all the good things.  During this Thanksgiving holiday – an American institution that surely everyone throughout the world should recognise – be thankful for what you’ve had, what you are, and what you can be.

One of the phrases Marquette Turner has coined is “Luxury is…” – this week we share with you some comments people have shared with us.

Please enjoy the stories in our blog, or you can go straight to the e-magazine.  We thank you!

Michael Marquette & Simon Turner

“As we express our gratitude, we must never forget that the highest appreciation is not to utter words, but to live by them.” John Fitzgerald Kennedy

In a world that can be brutal, harsh and tough going it is worth taking time to consider what we have enjoyed and what it means to us.

I thought it was an important time to consider what “Luxury” means to us all. It’s a chance to reflect over Thanksgiving and put into words what we can too often take for granted. The “Luxury is” is an amazing combination of two words – it is amazing because it causes us all to feel something, to imagine.

So what is Luxury to you? In 50 words or less write what “Luxury is” to you. We will publish as many responses as possible. Happy Thanksgiving!

Michael Marquette: Luxury is more than I can touch, it’s intangible. Luxury is an emotion, felt when I dare to dream of something that I value, that I have desired. It drives me forward, forces me to act, allows me to feel special, successful, spoiled, lucky – fortunate in every way.

Christine Watson: Luxury is the feeling of soft silk on your skin, wearing diamonds and pearls, rose petals scattered everywhere, being pampered and spoiled. Luxury is first class air travel, a personal valet, and Jimmy Choo shoes. Luxury is not having the need for anything, only the want.

Simon Turner: The ability to say sorry. The capacity to say I’m wrong. Knowledge: the desire to increase it and the timeliness of drawing upon it. Peace & Quiet. Happiness, Healthiness and Hope. Intangible.

Alex Lee: Luxury is excellence achieved.

Amy Cooper: Luxury to me involves good friends, wine and seafood in an ambient waterfront location! It also involves hot men, but let’s not go there!

Jayke Menese: Luxury is a home in Montreaux with a view of Lake Geneva. Can’t get better than that. The best setting and views in the world…”

Kevin Hussein Nguyen: Luxury is getting a full night’s rest, uninterrupted by nothing but sweet dreams.”

Thank you to everyone for sharing!

I read an article today on the Domain blog in Australia (owned by Fairfax Media) and I cannot believe the total rubbish it conveyed to people. I am so disappointed that I feel forced to discuss it. We can all recognize that someone has done well for themselves – we can praise and applaud that – well done John McGrath – to a point. We can also recognize when they have said something that is too hard to comprehend. So much as to make it simply unbelievable and it has to be discussed.

In a world that is missing realism at times and where the base expectations of the population are set according to media, lies – half-truths at best it is important to point out what is totally ridiculous. Not only do people feel inadequate but they lose sight of reality, feel unsuccessful and like in this case downright ill-informed.

John McGrath, founder of McGrath Estate Agents, stated in a recent blog that property in Australia fell into one of three bands. The Lower End (below $750,000), the mid range ($750,000-$3 million) and the upper end ($3 million to $30 million).

The pure facts are these. Anyone kidding themselves to think that $3m is mid-priced is either lying or living in a fantasy land. The facts are simple – 3.65% of all residential property in Australia in 2007 sold at or above $1million. In other words 96.35% of residential property sold was sold at or less than $1 million. $3 million is NOT mid priced – not in Sydney, not in Regional Australia – not anywhere in Australia. The information is so poor that it needs to be quickly corrected.

I’m not questioning that John McGrath has done well for himself over the years – but that simply does not excuse information that is blatantly incorrect. Since John McGrath has become a franchise agency, seeking to compete with the likes of LJ Hooker and Ray White, it is laughable that he should set such benchmarks given that the majority of the properties for sale through his franchise offices in New South Wales are of “the lower end”.  I’m sure this isn’t the message his agents are conveying to their clients.

Why point this out? Simply people are given so much information that cannot be backed up by evidence and those that are unaware of the reality can at times feel inadequate. What do you need to do to be successful? What have you done wrong? How can you possibly achieve that? The reality is very different to the perception.

I am disappointed that John McGrath would publicly say something that is simply wrong – he is smarter than that and it concerns me that many people will read his material and question themselves thinking he is telling the truth – Shame on you John McGrath.

Michael Marquette

FYI: Read related articles on Luxury Homes; Buying Real Estate; and Michael Marquette

This week we present stories such as Luxury Home Sales in Sydney: The Truth and Fiction; The Beckham Effect, where we look at David Beckham’s very first home and what it’s on the market for as well as his current home in California with Posh Spice-wife, Victoria; we also look at the cost of parking your car in some of the most expensive cities in the world; you can customize your bathtub for a pretty penny; and our WISE GUY shows why the Australian dollar suddenly has run out of friends.

And lots, lots more.

To read the latest e-magazine: CLICK HERE

“Be a fountain, not a drain.”
Rex Hudler

Part 2 of a 2 Part Investigation

The low sales volumes that we have seen in 2008 have resulted from fear, necessity and pride. Each has played a role in reducing the number of sales.

In so much as fear has contributed people are always cautious during times of upheaval or unrest.

Economically it has been a minefield of a year with Sydney property prices generally being stable or heading south. The stock market has shed billions of dollars and nervous investors and even more nervous fund managers have either panicked or halted all activity to see where it would lead – we certainly have a good idea of that now.

As interest rates increased early in 2008 many people feared that the return of Labor to the Federal Government would bring devastatingly high interest rates and therefore chose not to buy – again they played a wait and see game.

Vendors, convinced that the economic bliss was sure to continue refused to accept lower prices from buyers and the number of unsold properties has increased as the year has gone on. The financial turmoil has seen companies tightening their belts and in some cases withdrawing benefits, bonuses and international transfers.

This has greatly affected the number of “Private Brokerage” level sales and has played havoc with the top end Luxury rental market. Without companies paying absurd amounts of money to house executives the demand for top end rentals has all but dried up – with Luxury Landlords accepting massive cuts in rental amounts, moving back into properties or simply leaving them empty (Not very smart in most cases).

The final and least understood factor that has resulted in decreased “Private Brokerage” level sales is the age old problem of pride. The uncertainty that the year has provided has caused many would be vendors to reconsider plans to sell in case they were seen by family, friends, colleagues and competitors as potentially having financial problems.

It has been reported in Sydney newspapers that journalists were waiting to see which Luxury Homes were put on the market as this may have been an indicator that a company or associated interest was struggling and in need of cash. It is amazing what people will do out of pride and emotion has played a huge part in the decreased sales volumes we have seen.

Fundamentally Sydney is well positioned. It has stunning natural beauty and there is a low rental vacancy rate and net immigration is quite high putting further demand on housing in the city. This should see the market steady and confidence return in 2009, however we cannot ignore the differences between average or low end property and Luxury “Private Brokerage” Sales.

Michael Marquette

Click on the link for PART 1

FYI: Read related articles on Auctions; Luxury Homes; and the Who’s Who in Luxury Real Estate

Over the last month or so I have had numerous discussions with people from all around the world about the level of Stamp Duty we pay in Australia on property transactions. In my opinion it acts as a huge disincentive for people to transact and puts additional and unnecessary barriers in place for buyers and vendors alike.

For those that aren’t aware buyers in NSW pay around 4% tax to the State Government – in addition to the purchase price of their property when they buy.

Who can forget the effect of the vendor duty that the New South Wales Government (for our international readers, Sydney is the Capital City of the State of New South Wales – NSW) decided to charge on the sale of investment properties. That 2.25% duty on the sale of investment properties (paid by vendors to the Government – calculated as a percentage of the total sale price) stalled the sale of investment property in the State and made purchasing investment property look very unattractive.

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Thankfully common sense prevailed and the duty was removed. New South Wales lost hundreds of millions of dollars to States like Queensland as investors chose to purchase elsewhere. South East Queensland did very well out of what can only be described a shocking decision. So what would happen if New South Wales slashed the stamp duty paid by purchasers? Would we see huge amounts of investment coming into the State from Queensland, Victoria and other States?

It’s an interesting question and one I’d like to see debated as increased taxes, tolls or duties is not the way to stimulate the economy. New South Wales is a wonderful part of our country and Sydney is one of the most beautiful cities in world – if only we had a State Government to match.

Michael Marquette

FYI: Read related articles on Stamp Duty; or New South Wales; or Buying Real Estate

Resources: Buying Advice

Fashion designer Wayne Cooper’s Luxury Sydney home in Sydney’s Eastern Suburb of Tamarama failed to attract a bidder at auction yesterday.

The entire process has been disastrous from start to finish with Wayne Cooper being convicted of assaulting her last Friday.  An apprehended violence order was amended so he could attend the auction.

A bidder offered an opening offer of $2.2 million, with the auctioneer rejecting the bid and opening with a vendor bid of $2.9 million. From that point on there was complete silence from any “real bidder”.

The one size fits all auction mentality is just not cutting it.

The sale of Luxury Homes is for specialists and unfortunately the agent responsible for conducting the campaign was not a Luxury Agent and not a recognized member of The Who’s Who In Luxury Real Estate – the invitation-only worldwide peak industry body.

I find it amazing that agents choose to sell homes in the same way regardless of value – failing to recognize the difference between those involved in purchasing Luxury Homes. The market in Australia is proving week after week that clearance rates for properties over $1 million are extremely low – yet agents continue to cling to auction as a way of getting vendors to spend thousands of dollars on advertising their home in several newspapers in a very short period of time, or simply because they don’t know how to tell things as they are to their client.

Little if any thought is given to post auction strategy and research done by the National Association of Realtors is now indicating that almost 90% of buyers first find their home online – so why are agent’s still encouraging vendors to spend so much money on newspaper advertising? The answer is that it helps promote the agent – it’s a disappointing fact that so many agents give such poor advice.

The other issue at the moment which is making auctions more than difficult is that buyers are taking longer to make purchasing decisions – a 3 or 4 week concentrated campaign rarely works for Luxury Homes. Ms Marsh (Wayne Cooper’s former partner) had opposed yesterday’s auction because she feared it would not attract a good price due to the weakening market – she was totally right!

In fact Ms Cooper was so determined to have the auction postponed that she took her case to the Supreme Court – unfortunately she was unsuccessful.

Having worked with McGrath Estate Agents early in my career I understand that the auction method of sale is pushed onto vendors and agents are under enormous pressure to convince vendors to auction their properties – unfortunately there is little evidence either domestically or abroad to support auctioning and wasting thousands of dollars on what is fast becoming outdated newspaper advertising.

It has been reported that the McGrath Agent responsible for the sale has blamed the domestic violence issue for the property’s non-sale. I would suggest that proper training, advice and strategy formation from the beginning would have resulted in different advice being given as to the correct sale method and I strongly believe that Luxury Agencies like Marquette Turner Luxury Homes are by far the best choice when selling top-end properties.

Marquette Turner Luxury Homes has been awarded the Who’s Who in Luxury Real Estate’s 2008 Most Outstanding Luxury Agency in the World operating for less than 2 years – beating around 6000 agencies and 121,000 Luxury Agents.

Michael Marquette

FYI: Read more articles about Auctions the Who’s Who in Luxury Real Estate, and Luxury Homes

The world is changing fast. The credit crunch has hit, stocks have plummeted and wealth has been redistributed to where? India!  It’s a global competition and Australians have every opportunity to punch with the very best of them. Out of the 5 wealthiest people in the world, 2 are from India. It is a changing of the guard and it is very rapid to the point where we have to reassess the world order.

Out of the top five 1 is Mexican, 2 are Americans and 2 are Indians. We are concerned that Australia has cut grants to entrepreneurs in the latest Government “brainstorm” and support for business has been held back. James Packer seems to have lost his way and Australia’s richest man Andrew Forrest ($AUS 8 Billion) is likely to suffer from the world downturn in commodity prices.

Where does this leave us as Australians wanting to move the world? MTLH are wondering the same thing and are more than just dipping our feet in unchartered territory to find out. We’re here in the United States amongst some of the most successful real estate professionals ever and absorbing as much information as possible.

So how can you be successful in an increasingly toughening market? Well I guess you need to brace yourself for the fact that long-lived success never comes easy regardless of the timing, come up with something original, back yourself, recognize a trend, recognize that you’re living in a global market, and face your fear! It’s no longer acceptable to just think yourself lucky that you are Australian – you need to prove it! For inspiration, look to the world’s top 5 richest people right now:

1. Warren Edward Buffett – US – $62 Billion

2. Carlos Slim Helú & Family – Mexico – $60 Billion

3. Bill Gates – USA – $58 Billion

4. Lakshmi Mittal – India – $45 Billion

5. Mukesh Ambani – India – $43 Billion

Michael Marquette



13th Annual Luxury Real Estate Fall Conference in Philadelphia, PA, USA, Oct. 11-14, 2008

Read more about the AwardsMarquette Turner Luxury Homes will be there, we’re up for an award and we’re excited!

Michael Marquette & Simon Turner

This morning the Dow Jones plummeted by more than 800 points before recovering and is currently trading in positive territory. Commentators on CNN, Bloomberg and Fox have been touting what would happen if the Dow were to drop to 7479 which would result in trading being halted for 30 minutes. The enormous recovery has excited the market with hopes high that gains continue.

Both the Ford Motor Company and GE (General Electric) have stated that they are not looking to file for bankruptcy protection (Warren Buffett’s recent injection of equity no doubt helps, as will GE’s plan to raise $15 billion from the equity markets). General Motors (GM) is in serious trouble (GM’s share price is at its lowest price in over 50 years) and GE, GM and Ford are all planning massive reductions in their workforces.

After President George W Bush gave his speech in an attempt to steady the market, it fell by around 200 points – showing the lack of confidence shown in the current Administration. I continue to talk to Americans who just want the Federal Election to be over and Barack Obama is far and away the person being touted as the preferred President.

As I am currently in New York which is a predominantly Democratic State, this does not come as a shock, although the sentiment seems far more reaching than just the State of New York. With just over 3 weeks to go to the Presidential election I am sure the President Elect will have plenty to worry about. At this stage it is being reported that Obama is leading by up to 10 points nationally but the election is set to be decided in only a handful of states – Ohio is at the top of the list.

Michael Marquette

After the comments both Simon Turner and myself made earlier in the week both predicting and welcoming the Reserve Bank of Australia’s cut to interest rates by 25 basis points, I have received many thoughts from vendors, buyers, agents and other consumers all agreeing that such respite is indeed welcoming.

One response, however, stuck out. A suburban agent who shall remain nameless, in an exceptionally long email to me stated that the cut would make “no difference” to any Australian.

I do not wish to get into a pointless to-and-fro match with someone with whom I will not add credibility to his opinion which was clearly just a cheap attempt at scoring a few visits to his blog, and is ultimately not in touch with reality, but I do wish to reaffirm the positive effects that the RBA’s decision will bring and make clear that negative naysaying is lazy, un-inspiring, and of no help to Australian’s that simply are looking to get-ahead and make ends meet.

The facts are clear – a cut to the interest rate of a home loan of course makes a difference. The major banks had already passed on a quarter of a per cent to fixed rate home loans in the last fortnight, and indeed equaled the RBA’s cut this week, with St George cutting theirs by 30 base points.

Based on a 25-year loan on a new rate of 8.65 per cent, mortgage holders will make the following savings:

Loan Amount Monthly Saving

$200,000 $33.99

$300,000 $50.00

$400,000 $67.99

$500,000 $84.99

$600,000 $101.99

$700,000 $118.99

$800,000 $135.99

A saving is a saving, and more will be welcomed to relieve mortgage stress.  I’m sure an increase by 25 basis points rather than a cut would have made a huge difference to many hip-pockets.  Enough said!

From a global perspective, Australia is looking in pretty good shape. Australian households have cut their spending for the first time since the country was last in recession, whilst business investment has continued. Furthermore, all Australian State and Territory economies have grown, with the added exception of New South Wales (which probably says about as much as the state of Morris Iemma’s hapless government).

We’re not out of the woods yet, but Spring is here and it’s a breath of fresh air!

Michael Marquette

In tough times choosing an agent to sell your property is more important than ever. Asking agents to show evidence that what they are claiming actually works is a great idea. I strongly believe that agents who insist on vendor paid marketing should be capable of proving that your money is going to be spent wisely and not just be used to advertise their brand.

Can the agent show that Newspaper advertising which costs thousands of dollars is necessary? Can they show that their website is truly more effective than other sites? Can they reach an international Luxury audience and how?

Is advertising in a real estate agency magazine essential in selling your home and where is it distributed? Is the agency database so good that it’s a point of difference in choosing your agent? I have heard dozens of agents speak about the strength of their database, yet few can back it up with real buyers. They insist that although their database is great, other vendor paid marketing is necessary to achieve a sale – so what is so good about a database if you still need to advertise elsewhere?

This is a wonderful time to carefully consider where you are spending your money and what return you are getting on the investment. Don’t be shy in asking agents to produce evidence to back up their claims. Your home is a valuable asset that deserves the very best. After all you wouldn’t gamble with your health by allowing a Doctor to experiment on you without proof that the treatment would actually work.

Michael Marquette

Home owners and investors have welcomed suggestions that the Reserve Bank of Australia will cut interest rates this year, but will the Banks pass the rate cuts onto borrowers?

Prime Minister Kevin Rudd has told Australians to change banks if they fail to pass on rate reductions. The banks have had no problem increasing rates to levels higher than official rate increases and have even increased rates despite the Reserve Bank keeping them on hold.

In an interview with The Australian Financial Review last week I was asked what it would take to restore confidence in the market. I expect buyers to remain cautious until the banks show that any rate reductions will be passed on. I believe a rate cut of around one per cent is needed to restore buyer confidence as I’m hearing increasingly that buyers and vendors are skeptical that banks will pass on the rate cuts. A reduction of 100 basis points will result in the market reacting in a positive way, even half a per cent will be looked cautiously.

So the question is buy now or wait? The answer is simple. There are some fantastic buys in the market at the moment and this will continue for the foreseeable future. As the stock market wobbles, dividends decrease and share prices drop bricks and mortar will become a major focus for many investors.

If you find the right property at the right price and choose the right lender your decision is an easy one to make. My only advice is to ensure sure that you keep your lender honest, and if “changing banks” as PM Rudd suggests, make sure you are aware of all fees and costs that may apply.

Michael Marquette

Auction Clearance rates for the week ending July 27, 2008 indicate a property market in crisis. Sydney’s Clearance rate of just 36.5% is indicative of the disparity between vendors and buyers, with some real estate agents caught in the middle.

Agent’s skills in both marketing and negotiating homes are being put to the test and many are being found short. Agents with reputations for overpricing properties (the practice of overpricing is used by some agents to win listings) are struggling to match the prices offered by buyers with the price expectations of vendors. Agents with the ability to communicate the best strategy at the time of listing are best placed to negotiate the highest price for vendors in the current market – well before a property is seen to become “stale”.

Getting the right Agent is the key to successfully selling your home. Given that the total number of sales are down and the list of unsold properties is increasing it is more important than ever to ensure that your home is in safe hands. Given that Spring and the usual seasonal increase in the number of listings is beckoning I stress the importance of making the right decisions first time!

 

Michael Marquette

Having been unfurnished for 5 months on the market with a traditional suburban agency, this property in Cremorne on Sydney’s North Shore remained unsold.

Marquette Turner’s unique Concierge® service furnished the property from top-to-bottom, and within 5 weeks the property sold: yet another example of a fantastic result that Concierge®contributed to.

Our Concierge® service, and all its aspects, is entirely complimentary, and is just one of the reasons why Marquette Turner is setting new standards in real estate and has already achieved more Luxury credentials than any Australian agency.

If the sale of your home would benefit from Concierge®, please get in contact with us without delay.

Call: 1300 737 778

Or directly contact Michael Marquette on 0433 170 170 or via email michael@marquetteturner.com.au

Nominations for AGENT OF THE YEAR are now open –
WIN A TRIP TO THE USA VALUED AT $10,000*!

How does it work?
Simply nominate your favourite agent – the Marquette Turner Estate Agents team of course – and for doing so you have a chance to win one of five Freedom Gift Cards valued at $2000 each*!

Michael Marquette

Simon Turner

Christine Watson

What does the Agent of the Year win?
Five state finalists will win an all expenses paid trip to Melbourne to attend the National Awards Dinner* where the Agent of the Year winner will be announced.

The National Winner will not only win the title ‘Australia’s Agent of the Year 2008’, they also win a trip to the USA to attend the Realtors Conference and Expo held in Orlando, valued at $10,000*!

What can you do to help your chances?
For more information visit the AGENT OF THE YEAR website

Please help the Marquette Turner team by voting for us! Thank you!

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