KZN Property Pages - 19 MAY 2018 by KZN Property Pages

RESIDENTIAL LETTING COMMERCIAL

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19 May 2018

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Bond approval statistics on the rise With VAT increases and generally soaring prices taking their toll on South African pockets, it’s no wonder most people have been buckling up for tough financial times ahead. The cost of living is certainly climbing, but as it turns out, it’s not all doom and gloom on the horizon. According to Mark Hendricks, Regional Manager for Rawson Finance, the home financing sector is actually looking up.

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National bond approval statistics support Hendricks’ observations, showing a notable decrease in the number of applications being declined in the last year.

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“As long as you can prove your ability to service your loan, banks are willing to look outside the box,” he says. “Entrepreneurship and the gig economy is becoming

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Higher approval rates aren’t the only positive changes taking place. Banks’ increasing willingness to offer favourable interest rates was recently compounded by a drop in the prime lending rate.

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“The prime lending rate dropped from 10.25% to 10% at the end of March,” says Hendricks, “which not only lowers the “It’s no secret that financial institutions around the world repayments on existing prime-linked mortgages, it also lost a lot of money on reckless or ill-advised loans in the makes new loans more affordable. Add to this the relatively past,” he says, “and I think our South African banks slow national housing market where average price growth possibly swung a little too far in the opposite direction has been reported as decelerating, and opportunities for when the National Credit Act kicked in. This created an buyers are starting to look pretty good.” environment in which lending criteria were, perhaps, excessively stringent, and made it very difficult to secure As optimistic as the situation appears, Hendricks still financing if you didn’t fit the ‘perfect’ financial mould.” advises a pragmatic approach to mortgage finance. These days, however, Hendricks is pleased to report that applicants of all types are receiving fair consideration on their home loans. This includes entrepreneurs and small business owners who would have struggled to get access to home loans just a few years ago.

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pretty mainstream now, so it’s a logical step for banks to try to facilitate more of these kinds of clients. They aren’t forcing people to limit their applications to their current bank in the hopes that a shared history counts in their favour, either. In many cases, we get the best rates for our applicants from banks looking to expand their current client base.”Contract, house keys and calculator on a table

“In 2017, 47% of bonds were approved on intake, across the industry,” says Hendricks. “As of March 2018, those approval statistics are sitting at 60% – an extremely significant rise. At Rawson Finance, we often see even higher approval rates “For the last year or so, there’s been a definite trend as well. In fact, our Western, Southern and Eastern Cape towards a more relaxed approach to property finance region had a 73% approval rate this March. Some of that from the banks,” says Hendricks. “They’ve been offering success is due to the support and integrity we enjoy as part more favourable rates, are open to 100% bonds again, and of the Rawson Property Group, but the national averages have been considering applications from a far wider pool clearly show that banks are coming to the party as well.” of candidates than ever before.” Hendricks attributes this trend not only to positive economic influences, but also the fact that banks have settled into a comfortable middle-ground between the overly lenient pre-National Credit Act days and the overly cautious post-NCA crack-down.

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“Banks may be more open-minded than before, but they by no means support reckless lending,” he says. “Every application still undergoes rigorous screening before it can be approved. That makes it essential for applicants to put their best foot forward and ensure their applications not only present all the pertinent information, but are also comfortably within their affordability range.” Source: My Property

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1967 - 2017

EST. 1967 / PROUDLY MARITZBURG

MONTROSE

R2 995 000

ON SHOW 2.30-5

Web 2816332

Follow boards from Cascades Robots along Townbush Rd. to Arbuckle Rd. Tony Sanders 082 779 6145 | tony@natalproperty.co.za

R1 590 000

3 Beds / 2 Baths / 2 Garages / 4 Carports / Pool Web 2609880 Elevated home with lovely views of the valley. This is an ideal work from home opportunity or income generating property with 2 self- contained flats. Follow boards from Cnr. Chase Valley Rd. into English Rd. Hennie Balt 082950 0164 | hennie@natalproperty.co.za

CHASE VALLEY

R1 550 000

EVERYTHING YOU NEED IN A GOOD FAMILY HOME

3 Beds / 2.5 Baths / 3 Garages / 1 Carport Web 2706258 Located in the greenbelt, this well built & secure home offers great value. North facing with outstanding views, spacious tiled reception rooms & a lovely entertainment area opening onto the pool. In addition a study & scullery off the kitchen all make this home a “must see”. Follow boards from Cnr. of McCarthy Dr. & Chase Valley Rd. Kerry Brown 083 278 1033 | kerry@natalproperty.co.za

HAYFIELDS

R1 470 000

NPC

ON SHOW 2.30-5

Web 2784767

Nestled at the end of a cul-de-sac, this picture perfect home offers a formal lounge & pub leading out to enclosed patio, sparkling pool & entertainment area, dining room, family room, modern kitchen & laundry, spacious bedrooms, 2 bathrooms (M.E.S), study off master bedroom. Outbuildings include a double garage, 3 carports, staff toilet, all in a fully walled beautiful garden.

Follow boards from Beacon Rd./Murray Rd. Andrew Norton 062 138 1423 | andrew@natalproperty.co.za

R1 295 000

BRAND NEW SIMPLEX WITH STUNNING VIEWS

IMMACULATE & BRIGHT PLUS FLATLET

PELHAM

SCOTTSVILLE

3 Beds / 2 Baths / 2 Garages Web 1826651 Kingston Lodge, last unit. With quality modern finishes, this unit has 3 bedrooms, 2 bathrooms (mes), open plan lounge leading onto covered verandah & deck. Fitted kitchen, double garage, spring water for common use & excellent views over Pietermaritzburg. No transfer duty! Don’t miss this opportunity!! Follow boards from Cnr. Chase Valley Rd. & McCarthy Dr. Koen Gouweloos 082 337 1048 | koen@natalproperty.co.za

R1 250 000

3 Beds / 2 Baths / 1 Garage Web 2635626 Family home tiled throughout offering a lounge, dining room, family room open plan to well fitted kitchen with u/c oven & hob, 3 bedrooms, bathroom, plus shower en-suite, as well as a delightful self-contained 2 bedroom flat, L/up garage, walled garden & covered back verandah. Follow boards from Hesketh Dr./Hattersley Int. to Elved Wright Circle. Sue Williamson 082 463 6359 | suew@natalproperty.co.za

R1 040 000

NPC

ON SHOW 2.30-5

SPACIOUS FAMILY HOME WITH BOREHOLE

Web 2798905

Lovely family home with 4 bedrooms, 3 bathrooms, 2 lounges, an open plan kitchen to dining room. There is a staffroom, a large workshop, a laundry, a double garage, beautiful pool & a borehole connected to the bathrooms.

Follow boards from Cnr. Washington Rd./Globe Rd. to Amazon Rd. Cliff Rocherster 074 104 8892 | cliff@natalproperty.co.za

PRESTBURY

RUN YOUR OWN BUSINESS FROM HOME

NPC

3 Beds / 2 Baths / 2 Garages / 3 Carports / Pool

4 Beds / 3 Baths / 2 Garages / Pool

R1 850 000

NPC

This split level executive home offering lovely views, comprises family room open-plan to fitted kitchen, (UCO/hob) & laundry, dining room, upstairs formal lounge with balcony. The bedrooms are served by 3 bathrooms, master bedroom (M.E.S), guest room (S.E.S). Other features include lock-up garages, bachelor flat, staffroom, lovely pool & established walled palisade fenced garden.

SCOTTSVILLE EXTENSION

CHASE VALLEY DOWNS

NPC

5 Beds / 3 Baths / 3 Garages / Pool

IMMACULATE & LOW MAINTENANCE

R1 875 000

NPC

STUNNING KERB APPEAL & BACHELOR FLAT

BELLEVUE

CHASE VALLEY DOWNS

R730 000

BEAUTIFUL FAMILY HOME - GREAT ENTERTAINMENT

3 Beds / 1.5 Baths / 2 Garages / Pool Web 2776370 Come and see this beautiful family home. It offers 3 bedrooms, 1½ bathrooms (all brand new), a spacious lounge/dining room open plan to 5 star kitchen. There is a double garage, an immaculate garden & sparkling pool. Follow boards from Ritchie Rd. to Andries Pretorius Rd. Dawn Hohls 082 452 4839 | dawn@natalproperty.co.za

CHASE VALLEY

R2 595 000

CLOSE TO VARSITY COLLEGE AND UKZN

3 Beds / 1 Bath / 1 Garage Web 2811446 This freshly painted home is spacious & has charm. Large lounge, dining room & open-plan fitted kitchen, study/entrance hall & lock-up garage. Great position, please pop in to view! Follow boards from Fairfield Ave. to Harcourt Rd. Margie Smith 082 571 6516 | margie@natalproperty.co.za

RICHMOND CREST

R1 450 000

NPC

SUPER SIMPLEX IN A QUIET COMPLEX

ON SHOW 2.30-5

2 Beds / 1 Baths / 1 Carport Web 1803477 This spacious unit has been well maintained and sits in a picturesque complex with beautiful gardens. It boast two bedrooms with built in cupboards and a single bathroom. There is an open - plan kitchen with builtin oven and hob with granite tops which leads into the lounge and enclosed verandah. Follow boards from Botanical Gardens along Mayors Walk Rd. Mark Gouweloos 072 544 9277 | mark@natalproperty.co.za

MAIN BRANCH 033 345 1515

78 Commercial Road

SPECTACULAR, SPACIOUS & SPOTLESS HOME

4 Beds / 2 Baths / 2 Garages Web This low maintenance face brick home is light & homely with excellent modern touches. Comprising of 4 bedrooms, served by 2 full bathrooms, formal lounge, diningroom, modern kitchen (UCO & Hob, granite tops), open plan TV room, large covered patio, swimming pool, laundry, double garage (or workshop) & double carport. The garden is fully irrigated & many more features. Brad Smith 078 322 1720 | brad@natalproperty.co.za

CASCADES 033 347 1819

Cascades Centre

HAYFIELDS 033 386 3312

35 Blackburrow Road

CONTEMPORARY MODERN HOME

4 Beds / 3 Baths / 2 Garages / Study Web 2817511 This stylish home with porcelain tiles & aluminum windows, features open-plan living at it’s best. With a large gourmet kitchen finished with Caesar stone tops, a built-in bar in the family room, study & sizable bedrooms served by 3 bathrooms. This home is like no other - call now for a private viewing. Jessica Campbell 084 510 0808 | jessica@natalproperty.co.za

NATALPROPERTY.CO.ZA

INFO@NATALPROPERTY.CO.ZA

1967 - 2017

EST. 1967 / PROUDLY MARITZBURG

WINTERSKLOOF

R1 625 000

OAK PARK

COUNTRY LIVING IN THE CITY

POPULAR GATED ESTATE

CENTRAL

LINCOLN MEADE

4 Beds / 3.5 Baths / 2 Garages / Pool Web 2742224 Escape to the tranquility of this lovely setting situated in Winterskloof. Enjoy the cool crisp air & surroundings high above the city with the best that nature can offer you. Hennie Balt 082 950 0164 | hennie@natalproperty.co.za

R1 600 000

PROFESSIONAL OFFICES

Web 2590615 An opportunity to acquire a gracious old home which is zoned Commercial Office. Features smart carpeted air-conditioned offices plus a separate flatlet, swimming pool, 2 outside offices, garage & parking. Also a powerful generator. Sole Agent. Bruce Campbell 083 226 2015 | bruce@natalproperty.co.za

LINCOLN MEADE

R900 000

URGENT SALE

3 Beds / 1 Bath / 1 Garage This unit is in a quiet, secure complex. Built-in cupboards in the bedrooms, full bathroom, spacious reception rooms with air-conditioning in the lounge & main bedrooms. Lovely large patio & approved plans for a carport. Pets allowed. Penny Mthethwa 071 806 0911 | penny@natalproperty.co.za

CENTRAL

LOTS OF SPACE

R580 000

2 Beds / 1 Bath This spacious flat is neat & ready for new owners. Large lounge, open plan fitted kitchen, tiled throughout & a balcony. Remote access, secure parking with reasonable levies & rates. Plus the block overlooks Alexandra Park. Margie Smith 082 571 6516 | margie@natalproperty.co.za

MAIN BRANCH 033 345 1515

78 Commercial Road

R1 250 000

3 Beds / 2 Baths / 2 Garages This delightful new listing offers a tiled lounge, dining room, family room, fitted kitchen (uco/hob), 3 bedrooms served by 2 bathrooms. Other features include a double garage & communal pool. Sole Agent. Bruce Campbell 083 226 2015 | bruce@natalproperty.co.za

R1 199 000

MODERN MKAMBA GARDENS

3 Beds / 2 Baths / 2 Garages Web 27151725 This secure townhouse boasts a modern fitted kitchen, tiled openplan dining room & lounge, the bedrooms have bics & the bathrooms have top class finishes (mes). Other extras include a double garage, alarm & level garden. Very neat & low levies. Jessica Campbell 084 510 0808 | jessica@natalproperty.co.za

SCOTTSVILLE

R660 000

SCOTTSVILLE

R1 320 000

OTTOS BLUFF

R4 300 000

CONVENIENTLY CLOSE TO UKZN

IMMACULATE, EXECUTIVE PROPERTY

BELLEVUE

PELHAM

3 Beds / 2.5 Baths / 1 Garage / 1 Carport Web 2746029 This well-built low maintenance home is situated in a quiet cul-de-sac. Spacious bedrooms, beautiful parquet flooring & recently renovated family bathroom. Fully fenced & neat garden, laundry, storeroom, lock-up garage & a large carport. There is also a JoJo tank for water storage. Well worth viewing. Kerry Brown 083 278 1033 | kerry@natalproperty.co.za

R1 225 000

A SPACIOUS MINI-SUB HOME

3 Beds / 2 Baths / 2 Garages / 2 Carports Web 2653269 This lovely home in a secure complex features an open-plan kitchen with UCO/Hob opening onto a large courtyard Also features an atrium with a bar, a private verandah, jacuzzi, communal pool & tennis courts. This simplex is highly recommended. Bruce Campbell 083 226 2015| bruce@natalproperty.co.za

WESTGATE

R730 000

3 Beds / 2 Baths / 3 Garages / 2 Carports Web 2446208 Luxury facebrick mansion, on a picturesque smallholding, west side of Albert Falls dam. The spacious home consists of a 5 star kitchen, airy lounge/dining room, office, huge verandah, pantry & 2 bedroom flatlet. A large workshop, & pool, generator, solar heating, active borehole, fully fenced & launching facility to dam. View the virtual tour on the web. Abie Lange 082 875 0200 | abie@natalproperty.co.za

R1 250 000

FAMILY HOME

4 Beds / 2 Baths / 1 Garage / 3 Carport

Web 2801023

Offering spacious bedrooms served by 2 bathrooms, lounge, dining room & fully fitted kitchen. Other features include a lock-up garage, carports & a well fenced large garden. Bongani Zondi 082 957 4456 | bongani@natalproperty.co.za

PELHAM

R550 000

RECENTLY RENOVATED - CLOSE TO UKZN PRICED TO SELL

NEAT UNIT - VERY POPULAR COMPLEX

This modern flat is situated in the popular block of Nedbank Plaza. Boasting brand new Bics in the bedrooms, a newly fitted kitchen, lounge/diningroom leading onto an enclosed balcony with spectacular views.

This neat unit is set on the ground floor of a very popular block. Offering a well fitted kitchen open plan to a lovely lounge area. The bedroom has builtin cupboards & an en-suite bathroom. The complex offers excellent security, communal pool, tennis court & laundromat. The unit has a tenant who would like to stay on if possible. Paul Campbell 082 782 4180 | paul@natalproperty.co.za

2 Beds / 1.5 Baths / 1 Parking bay

Jessica Campbell 084 510 0808 | jessica@natalproperty.co.za

CENTRAL

R335 000

SPACIOUS AND NEAT 1 Bed / 1 Bath / 1 Parking Bay

3 Beds / 1.5 Baths / 1 Carport Web 2800905 This lovely home is new on the market. The bedrooms have builtin cupboards, lounge, dining room, fully fitted kitchen, a bathroom & separate toilet. Also a lock-up carport & a secure large garden. Bongani Zondi 082 957 4456 | bongani@natalproperty.co.za

CENTRAL

R260 000

NEAT AND AFFORDABLE Web 2804569

1 Bed / 1 Bath

Web 2800653

This 39 m2 flat is well presented & offers parquet flooring,

One bedroom flat close to all amenities. Tiled floors & well

lovely views & secure on site parking. Well worth viewing!

presented. Excellent value!

Sid Brown 083 300 0530 | sid@natalproperty.co.za

CASCADES 033 347 1819

Cascades Centre

HAYFIELDS 033 386 3312

35 Blackburrow Road

1 Bed / 1 Bath / 1 Carport

Web 2817589

ABIE’S CHOICE

Central (Town) R250 000 Bachelor pad, (20m2 unit), kitchen, bathroom – close to all amenities. Thornville R4 500 000 11.7ha smallholding recently upgraded with 2 fully automated chicken houses, chainfeeders, nest boxes, drinking lines, 2 automated storage silos with active borehole. Needs new owner plus stock. Camperdown R7 450 000 Development opportunity: Farm land bordering Big 5 Game Park: • 10ha land sub-divided, 22 pre-approved plots, land ‘Special Residential’. • Furthermore, application submitted for approval: 5ha land with 2 bedroom house, 1 bedroom cottage, garage, shed, 2 small dams/streams. • Remainder of property (plus/minus 60ha) uncultivated land: agriculture. Abie Lange 082 875 0200 | abie@natalproperty.co.za

NATALPROPERTY.CO.ZA

INFO@NATALPROPERTY.CO.ZA

Harcourts Patrick & Co 033 342 3340 patrickandco@harcourts.co.za

ON SHOW SUNDAY

WELCOME

Winterskloof

Whether buying or selling, she works timelessly to promote your best interests. Paige understands that buying and selling is one of the biggest decisions in a client’s life and views representation and guidance of her clients through this as a true privilege. While she understands the demands and high standards of her work which need to be met, she is just as much a compassionate, determined and friendly person. Paige is proud to be a member of such a dynamic team. She looks forward to the exciting new ventures which lie ahead in assisting her clients in both selling or finding their dream home. PAIGE LANGENHOVEN C 081 269 0164 E paige.langenhoven@harcourts.co.za

R1 995 000

Wembley

ON SHOW SUNDAY

R2 195 000

Scottsville

R2 375 000

Charming thatch home with scenic views and situated in a quiet culde-sac. Comprising 4 bedrooms and a large open plan living area. There is also an upstairs attic area with another lounge, bedroom with toilet and a study nook. There is a one bedroom flat attached to the double garage. Well secured home.

RENOVATORS DREAM!! Situated in secure Wembley. Offers 5 bedrooms, 4 reception rooms, 3 bathrooms + study/ kitchenette. Can easily be split in 2 homes and also lends itself to be open planned and modernized. Must be viewed to be appreciated.

Stunning double storey home with character, lead light windows, loads of space and lots of potential.The bedrooms are spacious and 3 large reception rooms, open plan kitchen flowing onto a lovely entertainment verandah + pool. There is a lovely guest flatlet or office and outbuildings. Must view to appreciate!!

Follow boards from Crossways to Wicken Way. ON SHOW: SUN 2.30 – 4.30pm | WEB REF: KEP27323

Follow boards from Athlone Robots to Oakleigh Ave./ Wembley. ON SHOW SUNDAY 2.30 – 4.30 | WEB REF:KEP26325

Follow boards from Alan Paton & Fairfield Ave to Sandringham Ave. ON SHOW SUNDAY 2.30 - 4.30 | WEB REF: KEP22592

FIONA PATRICK C 082 553 7810 E fiona.patrick@harcourts.co.za

GLERYL DE RAUVILLE C 083 286 5758 E gleryl.dr@harcourts.co.za

ALBIE TIMMERMAN C 082 553 9921 E albie.timmerman@harcourts.co.za

VALUE FLATS FOR SALE Central R390 000

ON SHOW SUNDAY

Urgent sale, close to government departments. Requires some TLC.

Wembley R545 000 1 Bedroom, communal pool, lovely city views, good position.

Pelham R685 000 Immaculate 2 bedroom flat, close to schools and shops.

Oak Park

R3 450 000

WHEN SPACE IS IMPORTANT TO YOU! Double storey home in prime location. Featuring 5 bedrooms, 3 bathrooms and an attic, 3 reception rooms, 5 Star kitchen, 3 automated garages and domestic facilities, inviting entertainment area with sparkling pool and floodlit tennis court. Lovely self contained2 bedroom flatlet with its own entrance. Well worth viewing. Follow boards from Town Bush Rd & Ireland Rd. ON SHOW SUNDAY 2.30 – 4.30 | WEB REF:KEP27292 JULIE CHETTY C 084 622 0288 E julie.chetty@harcourts.co.za ESTELL SPIRES C 072 381 5816 E estell.spires@harcourts.co.za

Clarendon R750 000 Lovely 2 bedroom, open plan to balcony + lock up garage.

LAURRA NOMUSA MBHELE C 082 834 5068 E laurra.mbhele@harcourts.co.za PEARL ZOLA LUTHULI C 082 462 3567 E pearl.luthuli@harcourts.co.za

Scottsville

R1 900 000

This property is currently registered as a student commune and offers a good return on investment. Well positioned within close proximity to UKZN. This is a substantial home with 2 outside flats. Leases in place and including furniture. WEB REF:KEP27392 FIONA PATRICK C 082 553 7810 E fiona.patrick@harcourts.co.za

harcourtspatrickandco.co.za

Hilton New Listing

P.O.A

This is a stunning home with very generous proportions throughout. From, the driveway (with entrance and exit), through double doors to a very welcoming double volume entrance hall then on to a warm and inviting spacious lounge, diningroom, and t.v.lounge. The main bedroom is downstairs ( with en suite bathroom+walk in dressing room),as is the study (beautifully fitted), + shower/ t.b., The 3 further bedrooms are upstairs(all en suite)+ kitchenette (used as B&B’s), The deep covered verandah leads to pool overlooking breathtaking views. This is in every way a home of distinction, set in very desirable Hilton. VIEW BY APPOINTMENT | WEB REF:KEP27365 SPEAK WITH HEATHER C 082 837 6051 E heather.payne@harcourts.co.za

ALBIE TIMMERMAN 082 553 9921 E albie.timmerman@harcourts.co.za

R3 900 000 Westgate

VCC

FINISH THIS PROPERTY TO YOUR DESIRE This lovely newly built ,but incomplete home, comprises 3 bedroom all with en-suites, still to be done, lounge and dining room with family room. Domestic quarters with bathroom, open plan to kitchen that needs to be fitted with cupboards, the scullery /laundry and garage. The floors need to be tiled. VIEW BY APPOINTMENT | WEB REF: KEP27453

Scottsville R720 000 Spacious 3 bedroom flat + big Balcony, secure block.

R730 000 NEG!!

Boughton

R1 450 000 Scottsville

This exquisite home has to be seen to be appreciated, some of the features are 2 lounges, diningroom, lovely large kitchen fitted with an Choose from two properties. Newly renovated with 2 undercounter oven and hob ,breakfast nook with solid oak stools 3 bedrooms, fully fitted, lounge and dining room fully tiled lovely bedrooms with quality cupboards plus 2 bathrooms, the main with Aluminium windows, fully secured, very neat home, bedroom opens onto a lovely patio plus there is a one bedroomed flat with it’s own garage. The main home has 2 garages with electronic easy access to transport and schools. doors all this plus opening onto a exquisite garden which has to be seen to be appreciated. WEB REF:KEP27333 LAURRA NOMUSA MBHELE C 082 834 5068 MIKE WEBBER C 082 490 9241 E laurra.mbhele@harcourts.co.za E mike.webber@harcourts.co.za REDUCED TO SELL !!

Wembley

R2 298 000

NEW TO MARKET!! View this spacious, immaculate home set on large grounds (3131sqm) down a quiet lane but close to all amenities. Large living rooms with direct access from triple garage, lovely fully fitted kitchen plus laundry, 3 large bedrooms, study, sewing room, 2 full upgraded bathrooms, private front porch, outside guest room with bathroom (flatlet), lovely pool, deck and tennis court. Very secure walled property with brick driveway, remote access and extra parking. View by appointment. Well priced to sell quickly. WEB REF:KEP27439

LYNDA MARTIN C 082 450 2004 E lynda.martin@harcourts.co.za

Clarendon

R1 800 000

Well built upmarket modern office. Situated in the popular Connaught Road opposite Comrades House. Separate vehicle entrance off Gallway Road. Within walking distance of University and shopping centres.

KEN SHAND C 082 462 2008 E ken.shand@harcourts.co.za

R2 995 000

Gym and Aqua Sport Centre R3 200 000

SOPHISTICATION AT ITS BEST! This generously expansive family home has recently been refurbished. A beautifully open planned configuration of living areas, boasting a +- 57sqm kitchen, an entertainer’s dream. Ample accommodation in the main home plus a separate flatlet. Possible office potential if pursued with plenty of parking space.

This is an incredible opportunity to own a unique, one of a kind property in Clarendon PMB which offers so much potential for the entrepreneur who is interested in health and wellness There is a large, heated, indoor swimming pool, 3 therapy rooms, an outdoor room currently used for spinning classes as well as 2 bathrooms, a kitchen, deck and various other spaces which are currently used for gym circuit equipment as well as tarred car park area. For more information on this exciting property with huge potential please contact me for an exclusive viewing.

WEB REF: KEP26297

WEB REF:KEP27373

PAIGE LANGENHOVEN C 081 269 0164 E paige.langenhoven@harcourts.co.za

JENNI PATRICK C 082 775 4699 E jen.patrick@harcourts.co.za

Harcourts $'/*) 033 ǖǗǖ ǖǖǗǘ $)!*ǻ#$'/*)@harcourts.co.za

ON SHOW SUNDAY

WALTDORF ESTATE

ON SHOW SUNDAY

R1 095 000

HILTON

ON SHOW SUNDAY

R2 495 000

Stunning unit, perfect starter home. Within a secure and well presented estate situated in northern Pietermaritzburg suburbs of Montrose. This unit boasts one of the best gardens on the estate with a beautiful three-tiered effect. Needs a little renovation, hence the price. Ask at the gate for directions once in the estate.

New to the market and immaculate in every way. The open plan living areas are extra large and all 4 bedrooms are a good size. In addition to the double garage there is an outside office or storeroom. The home is situated at the end of a quiet cul de sac.

Follow the boards from Keg Restaurant (771 Town Bush Road). ON SHOW SUNDAY 2.30 - 4.30 | Web: KHT33499

Follow boards from Crossways Country Inn to Arlington Crescent. ON SHOW SUNDAY 2.30 - 4.30 | Web: KHT33629

Cameron Day C 082 530 3366 | T 033 343 3345 E cameron.day@harcourts.co.za

Brian Wilkes C 082 417 6166 | T 033 343 3345 E brian.wilkes@harcourts.co.za

ON SHOW SUNDAY

R3 450 000

This home will pull at your heart strings, as it offers everything you would want, plus more. The “more” being the large granny flat with its own entrance and garden, the 2500 litre jojo tank and an admirable state of the art built in braai. With a bit of old school charm, modern finishes and open plan layout, the home is suitable for all. Meticulously cared for, established manicured grounds, a large pool, practical in design, yet impressive with a double volume open plan kitchen, dining and family living space that extends onto the covered lapa area...the setting is perfect for entertaining, family gatherings and garden parties. This home doesn’t have to be a dream – make it your reality! Follow boards from Cnr Taunton and Tanner Road, and from Athlone School Robots. ON SHOW SUNDAY 2.30 - 4.30 | Web: KHT33637 Tracy Summerton C 079 438 8059 | T 033 343 3345 E tracy.summerton@harcourts.co.za

R1 550 000

4 Beds | 2 Baths | 2 Lounges | 1 Dining | 2 Garages

WOW! This is a Big home, with room to spare, including a loft guest room. Double garage, domestic quarters, laundry workshop, storage, a walk-in-pantry, formal lounge, formal dining room, a family lounge with bar, entertainment area under cover – need I go on? This home has it all!! Smack in the centre between the prep school and the high school, close to shops and an excellent address. What more could you wish for? Call now to view – this will not last long. VIEW BY APPOINTMENT | Web: KHT33562 Glenn Titmus C 072 686 1412 | T 033 343 3345 E glenn.titmus@harcourts.co.za

GARLINGTON ESTATE STUNNING NEW HOME R6 900 000

HILTON

R1 495 000

R1 395 000

This beautiful newly renovated home has come on to the market offering a family retreat and is located in an ideal family neighbourhood, very close to all the local amenities you will need as well as best schools in Howick and many of the local attractions. Great value at this price, viewing is highly recommended. Follow boards from Curry’s Post Road to Essex Road. ON SHOW SUNDAY 2.30 - 4.30 | Web: KHT33589 Njabulo Gule C 073 725 1707 | T 033 343 3345 E njabulo.gule@harcourts.co.za

ON SHOW SUNDAY

R3 250 000

3 Beds | 2 Baths | 1 Lounge | 1 Dining | 2 Garages

This impeccable property is an exclusive residential enclave, located off Hilton Ave with easy access to The Quarry Centre. A good range of schools, social and recreational amenities all within close proximity. Don’t miss out viewing Hilton premier estate, you won’t be disappointed. Follow the boards from Opposite St Annes. ON SHOW SUNDAY 2.30 - 4.30 | VIEW BY APPOINTMENT | Web: KHT32857

BE THE KING OF YOUR CASTLE IN HILTON R2 250 000

3 Beds | 4 Baths | 2 Lounges | 9 Garages

Be the King of your own Castle in this uniquely designed and built home that offers complete privacy and security. Set in a park like garden with secret pathways, streams and bridges, a children’s delight! All bedrooms are en-suite, and there’s no shortage of living space both indoors and out, including a rooftop patio. There is plenty of storage and two separate double carports for caravans, boats and trailers. This home really does cater for everyone with so many more hidden surprises and needs to be seen to be appreciated. Follow the boards from the Shell Garage. ON SHOW SUNDAY 2.30 - 4.30 | Web: KHT33496 Trish Parsons C 082 904 3157 | T 033 343 3345 E trish.parsons@harcourts.co.za

Andrew Line C 083 637 0817 | T 033 343 3345 E andrew.line@harcourts.co.za

GORGEOUS HOME

Very seldom do homes in this exclusive Hilton estate become available! Centrally situated in Fernridge Estate, is this immaculate comfortable three bedroom home with well proportioned rooms throughout. The double volume open plan living area flows beautifully onto an enclosed verandah/sunroom. Well established lovely garden, if peace and tranquillity is what you are after then this is the haven for you! Follow boards from the Shell Garage in Hilton Avenue, along Azalea and Flamingo to Fernridge. ON SHOW SUNDAY 2.30 - 4.30 | Web: KHT33642 Barbara Rogers C 082 892 5956 | T 033 343 3345 E barbara.rogers@harcourts.co.za

R2 950 000

HOWICK NORTH GEM R1 350 000

Gorgeous family home on 8 hectare smallholding, ten minutes from Howick. The home consists of four bedrooms, mes, and a second full bathroom. Large open-plan kitchen / dining and lounge, scullery, linen cupboard and walk in pantry. Utility room, workshop. Large verandas, one overlooking the pool and manicured garden. Plus, artist studio and two bedroom cottage with two bathrooms. Views over the dam and surrounding farmland.

This lovely home has enough room for the family. One can entertain friends and family either in the front conservatory or in the back yard with the built in braai entertainment area. A wonderful garden with loads of fruit trees, irrigation system, with good sized domestic quarters – which can easily be turned into a granny flat. A good buy indeed.

VIEW BY APPOINTMENT | Web: KHT33583

VIEW BY APPOINTMENT | Web: KNH3758

VIEW BY APPOINTMENT | Web: KHT33623

Brian Wilkes C 082 417 6166 | T 033 343 3345 E brian.wilkes@harcourts.co.za

HILTON

R2 250 000

A stunning family home with top security, large flat grounds and an entertainer’s kitchen which extends into the dining room is a must to view. Added to this, you also have a lovely guest suite and jojo tank. Large is just one of the words to describe this lovely home that needs to be seen to be appreciated.

VIEW BY APPOINTMENT | Web: KHT32279

VIEW BY APPOINTMENT | Web: KHT33644

Jane Lait C 072 107 1748 | T 033 343 3345 E jane.lait@harcourts.co.za

VILLA CORTINA

STUNNING TOWNHOUSE IN FERNRIDGE R2 750 000

If you are looking for a lot of peace and quiet and great views then you need to visit this house. All the rooms are extra large with Oregon pine floors and high ceilings and there is a self contained flat for extra income. Loads of garden space to develop this property further.

A particularly beautiful gracious new home in the best road, almost complete. Flowing double volume entertainment areas with a loft and a study this completes this property for every families needs.

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HOWICK NORTH

ON SHOW SUNDAY

MAGESTIC IN WEMBLEY

HOWICK DIAMOND

ON SHOW SUNDAY

Tracy Summerton C 079 438 8059 | T 033 343 3345 E tracy.summerton@harcourts.co.za

Roger Nevin C 082 555 3995 | T 033 343 3345 E roger.nevin@harcourts.co.za

6 BEDROOM HILTON

Glenn Titmus C 072 686 1412 | T 033 343 3345 E glenn.titmus@harcourts.co.za

R1 795 000

SPECIAL OFFER ON HILTON OFFICE SPACE - R110/M2 EX VAT

Six bedroom home with loads of character in Hilton. Ideal for larger families or a work from home arrangement. This home has a sunny atrium, well-kept garden and crystal blue swimming pool. There is a double garage as well!

Beautiful office space in an upmarket office park in Central Hilton. Receive free fibre for six months and a few months free rental on signing a 5 year lease! 165 m2 – 1600 m2 available.

VIEW BY APPOINTMENT | Web: KHT33286

VIEW BY APPOINTMENT

6 Beds | 3 Baths | 2 Lounges | 2 Garages

Andrew Snyman C 079 438 8059 | T 033 343 3345 E andrew.snyman@harcourts.co.za

Melissa Line C 082 495 0655 | T 033 343 3345 E melissa.line@harcourts.co.za Experts in home finance.

privateproperty .co.za

Colin Rodger

EXCLUSIVE MANDATES

HAYFIELDS MALL 082 784 3123

033 386 6623

Colin Rodger

EXCLUSIVE MANDATES

HAYFIELDS MALL 082 784 3123

033 386 6623

THE BIG DADDY - EPWORTH R1 520 000

PANORAMA GARDENS 3 BEDROOMS - R695 000

A new arrival. Fully tiled 3 bedrooms with an en-suite and A huge 4 bedroomed home (or 3 plus a fitted study) with 2 bathrooms ideally situated close to Pick â&#x20AC;&#x2DC;n second bathroom, enormous lounge, lovely fitted kitched with Pay Hayfields. Gleaming parquet flooring throughout oven, double garage and views - Super Value! this family home with a massive lounge, separate RETIRING IN PIETERMARITZBURG? dining room and a well fitted kitchen. Plenty room for A choice of either a 1 bedroomed unit in Rosewood Estate the budding swimming champions in the extensive (with carport) and partially covered veranda at curved pool, an adjoining workshop to the double R425 000 or a 2 bedroomed ground floor unit in garage and a 25 sq. metre self contained flatlet is Jacaranda Lodge (mes) for R495 000. attached to the house.

BEAUTY IN BURNS ROAD, HAYFIELDS R1 440 000 An immaculate property situated in a most popular corner of this sought after suburb. A lovely family home comprising 3 good sized bedrooms with 2 bathrooms (main en-suite), a large inviting entrance hall, a formal lounge with fireplace, separate dining room and a study or TV lounge (with own entrance). A fully fitted sunny kitchen and scullery area with plumbing for two appliances. Double garaging. A separate bedsitter and a beautiful recently upgraded pool. Follow Arrows from the corner of Hesketh/Burns Road.

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How to get home loan finance and buy property on auction... Buying a house or flat on auction can be a good way to secure a home at an excellent price, but the process is more complicated than most people think and there are some important precautions that potential purchasers need to take. â&#x20AC;&#x153;The first of these,â&#x20AC;? says Rudi Botha, CEO of BetterBond, SAâ&#x20AC;&#x2122;s biggest bond originator, â&#x20AC;&#x153;is the need to establish the market value of the property before the auction, so that you can set a limit on how much you are prepared to bid and not get carried away in the excitement and competitive atmosphere of the auction. â&#x20AC;&#x153;And your best course of action in this regard is to seek help from a qualified and experienced estate agent who is familiar with the area where the property is located and can draw up a comparative market analysis (CMA) for you. This will provide details of similar properties recently sold in the area and the actual prices achieved.

more details about the area, such as local schools, shopping centres and other facilities.â&#x20AC;? It is also important, he says, to make use of any opportunity given to inspect the property ahead of the auction to see what condition it is in - or get someone you trust to do so on your behalf if the property is in a remote location. â&#x20AC;&#x153;A property owner who has been forced to auction the property because of financial difficulties may well have neglected the maintenance, and because all properties on auction are sold â&#x20AC;&#x153;voetstootsâ&#x20AC;? (or â&#x20AC;&#x153;as isâ&#x20AC;?), the costs of any repairs necessary will need to be taken into account when you calculate your maximum bid.â&#x20AC;? Third, says Botha, potential buyers must thoroughly check the Conditions of Sale before an auction, so that they understand exactly what is being offered for sale and exactly what else they might be taking on, bearing in mind that a winning bid at auction is legally binding and cannot be retracted later without considerable financial loss. â&#x20AC;&#x153;There is often a provision, for example, that the buyer of an auction property will be responsible for any outstanding municipal rates, or levy arrears in the case of sectional title property. There could thus be a substantial amount to pay â&#x20AC;&#x201C; in cash - in addition to the auction price, which could make the property a much less attractive proposition.â&#x20AC;?

â&#x20AC;&#x153;Good auctioneers will also be able to supply you with copies of the title deed, the site diagram, the plans of the property, any lease agreement and the zoning certificate if He says the Conditions of Sale could also relevant. And some Internet research will reveal stipulate that the auction price carries interest

from the hammer fall until the transfer of ownership is registered, or that there is still a tenant in residence whose lease needs to be honoured. â&#x20AC;&#x153;In addition, the Conditions of Sale can be amended right up until the day of the auction, so it is worth double-checking them before you sign acceptance and go ahead with your bid.â&#x20AC;? Lastly, says Botha, potential buyers must ensure that their financing is in place well before the auction date, because auction sales are non-suspensive, which means that they are not conditional on you being able to get a bond or not. â&#x20AC;&#x153;As a winning bidder, you will usually be required to pay a deposit of 5% to 10% of the purchase price immediately, in cash, and possibly also the auctioneerâ&#x20AC;&#x2122;s commission, which is usually 10% plus VAT. Most likely you will also be required to give the sellerâ&#x20AC;&#x2122;s attorneys a â&#x20AC;&#x153;guaranteeâ&#x20AC;? for the balance of the purchase price within 30 days â&#x20AC;&#x201C; whether or not you have been able to obtain a bond.â&#x20AC;? Potential buyers must ensure that their financing is in place well before the auction date, because auction sales are non-suspensive, which means that they are not conditional on you being able to get a bond or not, says Botha. In fact, he notes, the Conditions of Sale will usually also provide that if you default on the sale after the auction, the property seller will have the right to take legal action to compel you to fulfil the contract â&#x20AC;&#x201C; or to forfeit the deposit and any other monies that you

have already paid as â&#x20AC;&#x153;rouwkoopâ&#x20AC;?. â&#x20AC;&#x153;In most cases (unless you are paying cash for the property), the â&#x20AC;&#x2DC;guaranteeâ&#x20AC;&#x2122; you have to provide will be an assurance from your attorney that your bank has granted you a bond for at least the balance of the purchase price and is ready to pay that over to the sellerâ&#x20AC;&#x2122;s attorney on transfer of the property into your name. â&#x20AC;&#x153;So your best move is to consult a reputable originator like BetterBond and go through the bond pre-qualification process before you go anywhere near an auction. You will then have peace of mind about being able to secure a bond and finalise the transaction â&#x20AC;&#x201C; and also know what your spending limit is, so you will not be tempted to overbid.â&#x20AC;? To obtain bond pre-qualification, you will need your ID, proof of residence, proof of income, bank statements, a list of assets and liabilities, and a statement of your monthly expenditure. Your consultant will then guide you through the pre-qualification process, with reference to your gross and disposable income, the maximum monthly bond repayment you can afford, any deposit available, the additional costs associated with most property purchases, and best bond options available to you.

Source â&#x20AC;&#x201C; Property 24

Yesh 082 329 4825

Santosh 081 475 5232

EMAIL US ON yesh@gunputh.co.za santosh@gunputh.co.za dinesh@gunputh.co.za

Dinesh 061 434 5791

TO FIND YOU YOUR DREAM HOME!!!

Shop 4, 526 Chota Motala Road, Pietermaritzburg, 3201, KZN, South Africa. Tel: 033 387 2026/ 082 329 4825 / 081 475 5232 / 061 434 5791 Email:admin@gunputh.co.za

ALLANDALE

R1 245 000 PELHAM

The affordable dream inviting! Irresistible! Stunning! This delightful home has an open plan layout wake up to beautiful living for a real value for your rand price. A well manicured garden compliments this gem of a home in a well sought after area Call Dream-come -True

Yesh 082 329 4825

R795 000 NORTHDALE HOME + INCOME

Absolutely pin neat apartment in well sought after complex, anyway you look at it this property make a ideal starter home or an excellent investment Smart address and hassle free convenience Pridefully walled to wall cleanliness. Don’t debate call now to see!

Santosh 081 475 5232

R695 000 NORTHDALE

Excellent Value when you purchase this single cottage with a spacious outbuilding on a large piece of land Excellent area with loads of potential, needs a little TLC to bring it up to your standard Price rounded on a square deal. Economically appealing

Santosh 081 475 5232

Home is where the Bargain is!!!!

R434 000

The buy you have been waiting for is waiting for you in this 2 bedroom home with room for improvements

Dinesh 061 434 5791

NORTHDALE

2 Homes for the Price of One

R825 000 NORTHDALE

Two neat homes on one plot located in sought after area, close to schools and taxi route Bring the extended family along to view! Call Now!

Dinesh 061 434 5791

R725 000

The Search is Over

When you have a look at this neat 3 bedroom home close to all amenities. The home is Fully tiled and offers a fully fitted kitchen with undercover parking. The ideal family home.

How to have a good landlord-tenant relationship. Contact Us

Yesh 082 329 4825

valuation when selling your home, no signing of mandates required and commission to suit your pocket.

Equity Real Estate

Commercial Property Brokers Tel: 033 342 2539 Cell: 083 321 6018 Fax: 086 552 2192 www.equityrealestate.co.za VICTORIA COUNTRY CLUB OFFICE PARK FOR SALE / TO LET OWNER OCCUPY OR INVESTMENT

Units from 130m² available for immediate occupation or registration of transfer. Secure this opportunity to be housed in one of Pmb’s renowned office parks. With magnificent views and a tranquil enviroment is where your offices should be.

Contact Sanesh Bagirathi for an appointment to view and take in this magnificiently well finished building on,

083 321 6018. Equity real estate for all your commercial property requirements.

Lew Geffen Sotheby’s

Tel: 033 387 4519 / 033 387 1020 Fax: 086 560 5632 Daycrest Centre, 581 Chota Motala Road Shafiek Ameen 082 730 9228 Email: info@ameens.co.za - www.ameensagencies.co.za

INTERNATIONAL REALTY

CLARENDON R1 150 000. Don’t

NEWHOLME

R1 395 000

miss out on this well-priced simplex ON THE DOORSTEP OF THE WYKEHAM COLLEGIATE boasting 3 bedrooms, 2 bathrooms, large lounge / dining room, family room with study, automated garage and additional parking. Boards from Shell Garage in Zwartkop Rd. Shirley ON SHOW SUNDAY 2.30-5 PM

Duigan 082 633 8766.

Pietermaritzburg i - Realty 033 396 2778 • gregandshirley@sothebysrealty.co.za Each Office is Independantly Owned and Operated

ON SHOW: SUNDAY 2.00 - 4.30PM 486sqm / 4 beds / Granny Cottage Situated in a sought after area offering a main house and a granny cottage. The house is well secured with palisades throughout and has een recently reno ated with modern finishes. lose to all amenities. Contact Kamini 082 924 4101 or Manisha 078 758 6146. Follow boards from Deccan Road into Newholme Way.

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RentalsDOTcom First Choice 033 394 0789

NEEDS

Albie 082 553 9921 | Beverley 072 417 1068 beverley.smith@rentalsdotcom.co.za 201 Burger Street, Pietermaritzburg

082 514 5225

Questions Property buyers Forget to Ask

Source – My Property

There is so much to consider when purchasing a home that it’s not difficult to understand why so many buyers forget to ask some of the most important questions before they sign along the dotted line. “Purchasing property is a long-term commitment and – as exciting as it might be to find a place you love – buyers need to take the time to ask all of the relevant questions before rushing into a purchase,” says Adrian Goslett, Regional Director and CEO of RE/MAX of Southern Africa. Broker/Manager of RE/MAX Property Centre (Durbanville), Rhonell Julyan has dealt with many sellers who suffer from unfortunate cases of buyers’ regret because they did not consider all of the relevant aspects of the property. “Durbanville attracts many buyers who are looking for their perfect family home. As a result, many buyers purchase the property

with the intention of renovating it to suit the growing needs of their family. But, many do not have a clear idea of the cost, expertise and time involved in achieving the vision before they make their purchase. If a buyer is planning to renovate – even if it is just a minor change – it is important that they find a contractor who can answer all of these questions before they place an offer on a property,” Julyan advises. Below are some of the other questions buyers in her area tend to forget to ask: 1) Non-disclosable Information “While sellers are legally required to provide full disclosure of property defects prior to concluding the sale, the voetstoots clause protects the seller by forcing the buyer to prove that the information was deliberately withheld from them. In order to protect themselves, buyers ought to ask some awkward questions they wouldn’t normally think to ask, such as whether there has ever been a death in the house, if there has been any disputes or boundary issues with unpleasant neighbours, and whether there is any sort of pest problem (with snakes, mice, bats, bedbugs, cockroaches and ants being the most common suspects).”

2) Maintenance Questions “For budgeting and planning purposes, it is important to ask when last certain features of the home where maintained so that you are not caught off guard by the unexpected expense. For starters, a roof is expected to last anywhere between 20-30 years. If you are purchasing an older property, it is important to ask how old the roof is so that you do not get thrown-off by this project. If the property has any thatch roofing, you also need to ask when last the thatch was combed. Asking whether there has ever been any plumbing or electrical issues will also be helpful in determining the lifespan on these related fittings. Lastly, you should ask roughly how much the monthly utilities cost the previous owner so that you can budget accordingly.” 3) Practical Points “In the flurry of excitement, buyers often tend to forget to check practical things such as dimensions. If you have a large SUV, for example, make sure that you have checked the dimensions (height included) of the garage to make sure

that your vehicle will fit. If you have a large family, you should also ask how large the geyser is so that you know if you’re going to have to set up a bathroom schedule just to ensure that nobody has a cold shower.” As a final word of advice, Goslett suggests that buyers across South Africa do research on their new suburb before making a purchase. “Many buyers spend so much time looking at the property that they completely forget to look beyond its boundaries. If you happen to see a neighbour when going to view the property, chat to them and find out what it’s like to live in the area. Beyond this, buyers should also take some time to visit the suburb to see what it’s like at different times of the day,” he concludes

Agreements Of Sale Of Immovable Property In todays modern world, where most people have access to the internet, it is easy to obtain a template of a sale agreement for immovable property. However, certain legalities have to be complied with in order for the agreement concluded between the parties to be valid and binding. In terms of Section 2 of the Alienation of Land Act (No. 68 of 1981), in order for an agreement relating to the sale of immovable property to be valid, it must be in writing and signed and dated by both parties (i.e. the seller and the purchaser). At the very least, the agreement must contain a description of the seller and the purchaser, a description of the property being sold,and the purchase price. These are known as the essential terms of the agreement. But that is not the end of the matter. Additional terms which are material to the sale must also be recorded in the agreement. These material terms are not easy to define but one must bear in mind that if a material term has not been finally agreed upon and is left open for further negotiations, there is no

valid agreement. When dealing with the sale of immovable property, examples of material terms include the manner of payment of the purchase price, the time within which the purchase price must be paid, the suspensive conditions and any other special conditions, as well as the occupation date and any occupational rental which may be payable. The method or manner of payment of the purchase price must be clearly set out. In a pre-printed agreement, any options not exercised must be deleted as any defect may render the agreement void. The parties must set out if a deposit is payable and when it is payable. If the purchaser requires mortgage finance to buy the property, then the amount required as well as the date by when the finance must be approved must also be clearly set out. The sale of immovable property usually includes the fixtures and fittings. These are items that are permanently attached to the structures or buildings on the land. There are some ambiguous areas, namely structures such as sheds and wendy-houses, items used in conjunction with a fixture such as garage door remotes and batteries for solar power systems. Should the purchaser wish to include these types of items in the sale, the clause setting this out needs to be as specific as possible. It is difficult to enforce verbal agree-

ments in this regard. A suspensive condition is a material term and therefore must be in writing and clearly set out in order to avoid uncertainty. The sale being subject to the purchaser obtaining mortgage finance is a standard suspensive condition. If the event does not occur, ie the purchaser does not obtain bond approval, no agreement comes into existence. It is important to make sure that all blank spaces in the agreement are filled in or crossed out. If there is no consensus between the parties in respect of something that has not been filled in, there is no agreement. If in any doubt as to whether your agreement is valid and binding, consult with an attorney specialising in property who will point you in the right direction. - Supplied

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