KZN Property Pages - 23 September 2017 by KZN Property Pages

RESIDENTIAL LETTING COMMERCIAL

A BL ACK INC MEDIA PUBLICATION

23 September 2017

booking deadlines:

‘gre

BOOKING:

What you should know when buying in a Sectional Title Scheme

There are a few things that a prospective buyer should know before signing an offer to purchase a sectional title unit, says Mandi Hanekom, operations manager of the sectional title finance company Propell. A sectional title scheme consists of the following:

For example: if owner A has an obligation to pay R1 000 a month towards ordinary levies, and is paying off a special levy of R24 000 over 12 months (in other words, another R2 000 per month is paid towards the special levy), then new owner B is liable for the R1 000 ordinary levy and R2 000 special levy from the date that he becomes owner of the section in question. "It's important to note that owners should never withhold levy payments if they are unhappy with certain situations or the behaviour of certain trustees or owners. This is the lifeblood of any scheme, and withholding payments just leads to additional administration and bad feelings among other owners who do pay their levies on time. It is also important, if you are buying, to check the financials of the body corporate, which ordinary and special levies are payable in respect of the unit you are buying and whether there is a chance that a special levy will have to be called for in the near future," said Hanekom.

• units or sections (which are individually owned and registered in the name of the owner), • the common property (which is owned in undivided (non-specific) shares by all the owners) • and exclusive use areas (portions of the common property that a specific owner has an exclusive right to use, but which is not owned by that owner). • common property includes the gardens, driveway, carports or parking bays, leisure facilities such as a pool or clubhouse as The rules that govern a sectional title scheme are the prescribed well as the external (outer) walls and roofs of the buildings management rules and conduct rules. which house the sections. Management rules are there for the efficient running of the An example of an exclusive use area is a carport and parking bay sectional title scheme and cover administration, accounting, (you don't own it, but you are the only one who is allowed to insurance, elections, meetings, budgets, levies and collection. park there). Conduct rules are there to govern the behaviour of owners and Once someone becomes the registered owner of a section (in tenants and usually cover: other words, when the transfer of the property is registered in the deeds office), that owner automatically becomes a member • Pets in the complex - the scheme might not allow animals, and of the body corporate of the scheme. The body corporate is the buyer must not assume that this will be allowed or that his responsible for enforcing the rules and managing the common type of animal is accepted. property for the benefit of all owners. • Refuse disposal - some complexes have specific disposal procedures such as certain days that the refuse should be taken Once a year, the members of the body corporate approves a out. budget for the upcoming financial year. The trustees then raise • Vehicles and parking areas are often contentious issues. There a levy which is payable by every owner on a monthly basis; in are usually allocated spaces, and owners and visitors cannot park this way, every owner contributes to the expenses of the body in areas that are not for their use. corporate. • Alterations to units - this is not allowed unless the permission to do so has been granted by the trustees. The budget of the body corporate relies heavily on all members • Signs or notices on buildings are not allowed unless the paying their levies on time and in full so that the body trustees have given permission for them to be displayed. This corporate can meet its financial requirements. would include for sale or to let signs; and • Laundry may not be hung in areas not specifically allocated for Without proper budgeting, the body corporate will not be able this use. Owners often hang laundry out to dry on balconies, not to pay its bills nor will it be able to keep the building and realising this is an infringement of conduct rules. facilities in good condition. This leads to the building looking run-down and possibly losing value. Living in a sectional title scheme can be a good proposition if the scheme is run well and has a healthy, thriving environment. The The types of levies are split into different categories: ordinary sharing of expenses such as security and lifestyle items such as levies, calculated in accordance with the approved budget, and swimming pools or gyms also make it a good option if this is what special levies, which are raised to cover expenditure that has you are looking for. You need to make sure, though, that you are not been approved in the budget (for example, if a lift breaks able to live within the constraints and can stick to the rules in down and has to be fixed urgently). order to live with neighbours harmoniously. New owners become liable for the pro rata payment of both ordinary and special levies from the date of registration of transfer.

Source – Propell

2pm Monday prior COPY TO BE SET:

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10am Thursday prior

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A BLACK INC MEDIA PUBLICATION

ISSUE

98 23 September 2017 IN ASSOCIATION WITH

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Congratulations

Natal Property Consultants!

At a recent function held at

Jackie Cameron’s school of food and wine in Old Howick Road, Natal Property celebrated 50 years in business in Pietermaritzburg. 150 invited guests enjoyed a wonderful evening which included tasty canapés and a harvest table.

The event was attended by the founders of the company, Monty and Geraldine Campbell, the company bookkeeper for 24 years, Sue Caister previous long-time director Dudley Carrihill, Rob Koningkramer of KZN Property pages as well as many attorneys, bankers, and clients of the company. Paul Campbell, the company’s marketing director welcomed everyone and the many thank you’s included the main sponsors of the

small upstairs offices in Greene’s Chambers in Change Lane, off Church Street, in the city centre. He mentioned that Natal Property Consultants is believed to be the first firm of Estate Agents to advertise under a logo and slogan in Pietermaritzburg, and over the years the Estate Agents “on the ball” has become a household slogan in Pietermaritzburg. The CEO Bruce Bruce also recalled his company’s first sale Campbell gave a short history of the made back in 1967. Monty Campbell sold a home in Zeederberg Street in town for company, going back to September R8000, and the total commission earned was a mere R350. 1967 when his father Monty Bruce Campbell also referred to the Campbell first company premises being in the Park Lane formed Natal centre for over 30 years, and due to the Property company continually expanding, it became Consultants as a necessary for Natal Property Consultants small accounting to build “Property House” in Commercial and secretarial Road in 2003 and then also to acquire the practice selling old Stannic building next door 2 years property as a side-line from their later. This building is now named

event, Nedbank who were represented by their Regional Home Loans Manager, Troy Oakley and Private Property, represented by their Chief Operations Officer Mark Coetzee. Sue Akerman was thanked for her beautiful flower arrangements.

“Campbell House” after their founder, Monty Campbell. Reference was also made to the opening of the company’s first sales branch in Hayfields in 1997. This office was originally managed by Graeme Campbell, and thereafter by Tony Sanders. Bruce also mentioned the company’s need to be more active in the Northern suburbs to compliment the highly successful Hayfields branch in the Southern suburbs. This resulted in Natal Property Consultants opening a branch in the Cascades centre in Montrose in 2011. This office is managed by Paul Campbell. Bruce Campbell also shared some interesting stories that some of the company’s agents had experienced over the years. His father, Monty Campbell could write a book on many funny stories of the “happenings of an Estate Agent” during 50 years. The evening culminated in prize giving, and besides some decent lucky draw prizes, clients who had bought or sold most properties through the company, were honoured for their loyalty and support over the years. These clients were Alex Dube, Paul and Chantal Firman and Lawrie Wood and Rod Klute. The festivities continued well into the night, and everyone seemed to enjoy the occasion. Many people remarked about the excellence of the venue, the quality of the food and the decent service provided by the venue staff with background piano music from old to new provided by Nicky Grieshaber. It was an night to remember.

Natal Property Consultants The Estate Agents “ON THE BALL”

1967 - 2017

EST. 1967 / PROUDLY MARITZBURG

HAYFIELDS

R1 495 000 (neg)

NPC

ON SHOW

2.30-5

Web 2415064

4 Beds / 2 Baths / 2 Lounges / 2 Garages

Web 2346147

This stylish home is unique in its class. Elegantly finished bathrooms & open-plan modern kitchen with Caesar stone tops complement a spacious open-plan living area with dining room & TV lounge, a large entertainment verandah with a built-in braai & pizza oven. All this overlooks a sparkling pool & a pretty secluded garden. The upstairs section with a large room & bathroom can be used as a flatlet. This home ticks all the right boxes, you are sure to be impressed! Bruce Campbell 083 226 2015 | bruce@natalproperty.co.za

R1 280 000

FAMILY HOME

3 Beds / 2 Baths / 1 Garage / 1 Carport

Web 2442211

The sad owners are now selling this much loved family home situated on level land, 3 bedrooms, study or 4th bedroom, M.E.S, family bathroom, kitchen & open-plan lounge/dining room with sliding doors leading onto an undercover patio. The property is fully walled with auto gate, single garage & carport.

HAYFIELDS

R1 325 000

GREAT BUY - POPULAR ROAD

4 Beds / 2 Baths / 1 Garage (Large) Web 2130897 This solid well- built family home in Hayfields, offers four large bedrooms, a spacious lounge and dining room, all with parquet flooring. The L/up garage takes three cars. This beautiful setting is not to be missed. Dawn Hohls 082 452 4839 | dawn@natalproperty.co.za

BELLEVUE

Web 2443806

R1 325 000

4 Beds / 2 Baths / 2 Garages

Web 2432568

potential for the 2 bedroom flat.

This charming home is situated in a quiet cul-de-sac in a fully walled garden. The lounge & diningroom are nicely tiled & the kitchen is well fitted and includes a built-in oven & hob. The diningroom opens onto a covered patio which overlooks a sparkling pool. The bedrooms are served by 2 pretty bathrooms (MES). A double garage and electric gates complete the picture of this lovely property.

Deon Van Der Westhuizen 083 232 3225 | deon@natalproperty.co.za

Bruce Campbell 083 226 2015 | bruce@natalproperty.co.za

Home with lovely views, more than enough parking space as well as rental

FROM R1 195 000

BRAND NEW HOMES - NO TRANSFER DUTY!

R1 175 000

MODERN SIMPLEX

We are pleased to offer you the choice of 3 & 4 bedroomed homes in this secure gated estate. All fully tiled with beautiful open-plan kitchens with granite tops & built-in oven & hob. Also pleasant views. Bruce Campbell 083 226 2015 | bruce@natalproperty.co.za

78 Commercial Road

MONTROSE

2 Beds / 1 Baths / 1 Garage This immaculate & modern unit comprises of 2 bedrooms served by a stunning bathroom, study, open plan lounge/diningroom onto a newly fitted kitchen & garage. Brad Smith 078 322 1720 | brad@natalproperty.co.za

CASCADES 033 347 1819

Cascades Centre

HAYFIELDS 033 386 3312

35 Blackburrow Road

LOW MAINTENANCE FAMILY HOME 3 Beds / 2 Baths / 1 Garage / Pool

2.30-5

Web 2100709

This lovely home comprises entrance hall, study, formal lounge, dining room, 5 star modern kitchen, family room/sun room leading out to a large covered entertainment patio. Also lovely pool, L/up garage, workshop, tandem L/up carport plus secure U/c parking for four vehicles.

Follow boards from Adams Rd/Hesketh Dr intersection to Adams Road. Andrew Norton 062 138 1423 | andrew@natalproperty.co.za

LOW MAINTENANCE FAMILY HOME!

3 Beds / 2 Baths / 1 Garage / Flatlet

2.30-5

NEW TO THE MARKET - FAMILY HOME

Follow boards from Cnr. of Murray & Beacon Roads. Marie Duckitt 083 266 3354 | marie@natalproperty.co.za

R3 975 000

A CLASSIC HOME

MAIN BRANCH 033 345 1515

R1 495 000

ON SHOW

Follow boards from Cnr. of Hesketh Drive and Foxon Road. Sid Brown 083 300 0530 | sid@natalproperty.co.za

BEACON HILL ESTATE

HAYFIELDS

NPC

This spacious & renovated family home offering 3 reception rooms, a new kitchen, good bathroom, tiled floors throughout, fully fenced level garden & a lovely swimming pool awaits. The bonus is a large, modern 2 bedroom cottage with an open plan lounge & kitchen. Donâ&#x20AC;&#x2122;t miss this one!

BOUGHTON

R1 320 000

ON SHOW TWO FOR THE PRICE OF ONE!

OAK PARK

BELLEVUE

MONTROSE

R2 850 000

A TOUCH OF CLASS

4 Beds / 2 Baths / 2 Garages Web 1896855 This contemporary modern home features a water feature at the entrance & spacious living area with laminated wooden floors. Offers 3 lounges, a large study, rumpus room & oak kitchen & laundry. Also built-in braai & Jacuzzi plus staff quarters, gym with bathroom & remote access. Bruce Campbell 083 226 2015 | bruce@natalproperty.co.za

SCOTTSVILLE

R1 185 000

NEW ON THE MARKET!! 3 Beds / 2 Baths / 2 Garages

This spacious home is tucked away in a quiet, secure complex. There is a small, neat garden, 3 bedrooms, 2 bathrooms (MES) study & a spacious livingroom leading onto an enclosed verandah. The home also has a double garage and a double carport. Koen Gouweloos 082 337 1048 | koen@natalproperty.co.za

ATHLONE

UNIQUE AND STYLISH! 4 Beds / 2 Baths / 2 Garages

R1 550 000

Web 2147417

This new modern home features open plan living at its best. This home boasts a spacious open plan lounge, dining room & fitted kitchen (gas stove) plus there is a pantry, laundry & TV room. Other extras include a study & lovely outlook. At this price, this home is well worth a viewing! Bruce Campbell 083 226 2015 | bruce@natalproperty.co.za

NATALPROPERTY.CO.ZA

INFO@NATALPROPERTY.CO.ZA

1967 - 2017

EST. 1967 / PROUDLY MARITZBURG

CHASE VALLEY

INSTANTLY APPEALING! 3 Beds / 2 Baths / 2 Garages

R1 550 000

Web 2060289

This pin neat family home is set in a quiet street wth views. The home offers a spacious lounge (air-con & fireplace), a well fitted kitchen with UCO/ Hob & granite tops. Other extras include a study, lovely pool area with a view & the double garage. Paul Campbell 082 782 4180 | paul@natalproperty.co.za

PEACEHAVEN

R 840 000

LOVELY SIMPLEX Great value for money, lovely 3 bedroom unit, bathroom, lounge/ dining room open-plan to five star kitchen. Outside we have a sundeck with awning, double carport and fenced garden. Andrew Norton 062 138 1423 | andrew@natalproperty.co.za

R 440 000

RENOVATED HOME! 3 Beds / 1 Bath

SPACIOUS FLAT

3 Beds / 2 Baths / 2 Parkings Web 2351235 This flat is situated on the first floor. It offers 3 bedrooms, 2 bathrooms, a spacious lounge with open-plan modern kitchen with UCO and hob. One U/cover parking & one open parking. Dawn Hohls 082 452 4839 | dawn@natalproperty.co.za

LINCOLN MEADE

R 650 000

2 Beds / 1 Bath / 1 Carport Web 2434853 This 2 bedroom simplex with private garden is the ideal place for starting out. The living area is tiled and opens out onto a covered entertainment area. The kitchen is modern with plenty cupboards and fitted stove. Dogs allowed with permission. Marie Duckitt 083 266 3354 | marie@natalproperty.co.za

BOUGHTON

R 590 000

COSY & CHARMING SIMPLEX Web 2388121

With new tiled floors, recently painted & an upgraded kitchen, this is very good value! Don’t miss this opportunity! Make an offer. Thandi Zuma 083 341 0981 | thandi@natalproperty.co.za

CENTRAL

R 795 000

A PLACE TO BEGIN

3 Beds / 1 Bath / 1 Carport

COPESVILLE

PELHAM

R 289 000

1 Bed / 1 Bath / 1 Carport Web 2309998 This special little home is situated in a secure complex with a communal pool. An open plan kitchen to the lounge opens up onto a patio & a good sized bedroom is served by a bathroom with a shower cubicle. . Trish Campbell 083 632 5141 | trish@natalproperty.co.za

ASHDOWN

R 375 000

CENTRAL

R 790 000

EASTWOOD

SPACIOUS SECURE HOME

LARGE FAMILY HOME!!

PELHAM

CLARENDON

2 Beds / 1 Baths / 2 Carports Web 2177136 Situated in a quiet area, the bedrooms are served by a bathroom, nicely fitted kitchen (oven/hob), laundry, lounge, d/room, tiled floors, verandah, carports & security fenced. Big yard potential to extend. Thandi Zuma 083 341 0981 | thandi@natalproperty.co.za

R630 000 - R 650 000

2 TO CHOOSE FROM! Lovely 2 bedroom flats in the same block in Pelham. At 102SQM each of these flats boast a lot of space and each has a lock up garage in the building. Great value here! Mark Gouweloos 072 544 9277 | mark@natalproperty.co.za

R 850 000

3 Beds / 2 Baths / 2 Garages Web 2310860 This lovely home offers spacious bedrooms (bics) with mes & a 2nd bathroom. Large Kitchen (elo/hob) & laundry. Separate dining room, large lounge, fully fenced with plenty parking & superb views. Kim Egdes 082 956 3371 | kimw@natalproperty.co.za

R 699 000

SPACIOUS GROUND FLOOR FLAT

1 Bed / 1 Bath / 1 Carport Web 2376733 This spacious, convenient & secure flat offers a lounge & diningroom with a fireplace opening onto an undercover patio (could easily be enclosed to make an extra room). A large bedroom with BIC’s & a renovated bathroom. Also a lock-up parking & storeroom. Trish Campbell 083 632 5141 | trish@natalproperty.co.za

CENTRAL R249 000 - R429 000

NORTHDALE

R 695 000

TAKE YOUR PICK

LOVELY HOME

Choose from either a bachelor unit, 1 bedroom unit or

3 Beds / 2 Baths / 4 Carports

spacious 2 bedroom units. The complex is small & there are

It consists of 3 bedrooms all fitted with BIC’s. 1 bathroom, 1

no transfer fees payable! Don’t miss out on this bargain buy.

ensuite, lounge, diningroom and fully fitted kitchen.

Brad Smith 078 322 1720 | brad@natalproperty.co.za

Sbu Ndlovu 082 815 0464 | sbu@natalproperty.co.za

BLACKRIDGE R 580 000 FLATS CENTRAL FLATS FOR INVESTORS! BUILD YOUR DREAM HOME It’s a lovely large piece of vacant land which is

(13 TO CHOOSE FROM) Batchelor flat starts from R250 000.00 with a toilet & small

fairly flat the plot is approximately about

kitchen to R280 000.00 all these flats are in a CBD area. Tshiamo building central flat @ R270 000.00 with a

+/-3962m2. It’s in a beautiful peaceful area

NO TRANSFER FEES! 1 Beds / 1 Baths

GOOD STARTER HOME Web 2441969

This complex has been newly renovated. The flat offers 1 bedroom, tiled lounge, built in kitchenette & a nice bathroom. Best of all, we can arrange for NO transfer fees. Paul Campbell 082 782 4180 | paul@natalproperty.co.za

MAIN BRANCH 033 345 1515

78 Commercial Road

2 Beds / 1 Bath / 1 Carport Lovely home with lounge, fitted kitchen, bathroom and toilet (inside). 2 bedrooms outside room and carport. Automated gate. Sbu Ndlovu 082 815 0646 | sbu@natalproperty.co.za

CASCADES 033 347 1819

Cascades Centre

bedroom full bathroom no parking. Idube building batchelor flat from R280 000.00–R390 000.00

with lots of potential.

they are all in town CBD. Mdu Hlongwane 072 545 7701 | mdu@natalproperty.co.za

HAYFIELDS 033 386 3312

35 Blackburrow Road

Mdu Hlongwane 072 545 7701 | mdu@natalproperty.co.za

NATALPROPERTY.CO.ZA

INFO@NATALPROPERTY.CO.ZA

Congratulations

Natal Property Consultants! Contact 081 557 3567 | info.sombelectrical@gmail.com

Congratulations

to the team at Natal Property on their 50th Anniversary!

Specialising on Electrical Inspection, Electrical Maintenance, Electrical installations, issuing of Certificates of Compliances (COC) and condition monitoring

Natal Property! This is a milestone, carry on with your good ethics, unsurpassable human relationships and professionalism and you will always be the wining team. I am very proud to have dealings with you.

49 Walter Short Road, Scottsville, PMB, 3201 T: 033 342 4228 / F: 086 616 9818 / C: 082 312 8712 E: paula3000@webmail.co.za

to the team at Natal Property on their 50th Anniversary! T: 033 342 9941 39 Victoria Rd, Pietermaritzburg, 3200

T: 033 386 0100 | F: 033 386 0104 11 Roger De Clerck Place, Mkondeni W: www.shospec.co.za | E: admin@shospec.co.za

LEICESTER FLOORS floors them all! Congratulations Natal Property on your 50th Anniversary! May you continue to grow from strength to strength. Neville Bearpark - 082 882 4577

033 3948501

Killing Bugs since 1990 www.swatexterminators.co.za

33 West St. Pietermaritzburg

Congratulations

It’s a privilege to be associated with Natal Property Consultants. We wish you many more successful years!!!

Congratulates Natal Property on the occasion of their 50th Anniversary. We are proud to announce our association with Natal Properties and the Campbell Family for the past 40 years. T: 033 345 6228 | 342 Boom Street E: info@topcarpetsleicester.com

PEST WIZARD PEST CONTROL

Congratulations to Natal Property Consultants on your 50th Anniversary.

Congratulations to the team at Natal Property on their 50th Anniversary!

Contact Bernard for your pest control needs.

Congratulations

to the team at Natal Property on their 50th Anniversary!

OASIS WATER PIETERMARITZBURG

Tel: 0333459508

pietermaritzburg@oasiswater.co.za ¦ www.oasiswater.co.za

To the fantastic & friendly team at Natal Property Consultants - Congratulations and best wishes to you on your 50th Anniversary! We at KZN Property Pages, wish you many more years of success in the Real Estate Industry. 10

MAXPROP PIETERMARITZBURG 8 CONNOR ROAD, CHASEDENE 033 342 2056/071 292 3683 FAX: O33 342 2056 RICHMOND

R995 000

EMPTY NEST IN RICHMOND Beds 3 | Baths 2 | Garages 2 | Carport 1 You’ll love this well presented home which is set on 1006m² and offers a newly renovated kitchen with granite counters plus breakfast nook, open plan living area, all bedrooms with beautifully designed BIC, large backyard to the next level with extra land to build further. Call or email to schedule viewing.

LASHILLA SINGH 082 861 1789/071 405 4170

NORTHDALE

www.maxprop.co.za

R710 000

TWO HOMES FOR PRICE OF ONE Beds 4 | Baths 2 Web: MXR13528 This property offers you main house with 2 bedrooms, lounge, kitchen & bathroom (shower, toilet & basin), plus the added benefit of a 2 bedroom outbuilding with kitchen, lounge & bathroom (tub, basin & toilet) that is perfect for rental income.

SANDRA SMITH 064 674 2950/084 886 3960

ESTABLISHED 1958

CHASE VALLEY HEIGHTS R4 495 000

CENTRAL

WOW! A PALACE & IT COULD BE YOURS Beds 5 | Baths 5 | Garages 3 | Pool Web: MXR14454 Double story facebrick home within an estate situated in upper northern part of PMB. Also boasts 5 lounges, very large kitchen with granite tops, 2 dining rooms, study and all extras that you could dream of such as a communal play area & braai lapa.

PERFECT INVESTMENT OPPORTUNITY Beds 6 | Baths 4 | Carports 2 Well positioned, secure central property with additional 1 bedroom self-contained flatlet currently generating an income of R13 000pm. Property has tile and laminated wooden floors, is fully walled and carport for 2 vehicles.

GREG RIDLEY

083 393 9896

R1 300 000

NKULULEKO MCHUNU 084 555 4861

THE COMPLETE PROPERTY SOLUTION home finance. RESIDENTIAL SALES & LETTING | COMMERCIAL & INDUSTRIAL SALES & LETTING | AUCTIONS | PROPERTY MANAGEMENT | PROPERTY INVESTMENT

ATHLONE

R7 500 (RENTAL)

SECURE DUPLEX Beds 3 | Baths 2 | Garges 2 Web: MXR12215 This large duplex is situated in a secure, quiet complex with communal pool and tennis court and is well located to schools, medical facilities and the CBD. Immediate occupation. Rent excludes utilities.

VAL HAIR

072 247 1807

private property

Making the most of a small Garden. Source - SA Home and Garden

Expert design tips on making the most of a small garden while keeping maintenance to a minimum OPT FOR SIMPLE PLANTINGS Follow these tips when choosing plants for a petite garden: • Keep the colour palette simple and restrict your choice to a few species, repeating them rather than planting a huge variety of plants that can lack impact. “Choose plants suitable for your environment that will grow happily without too much TLC,” says Bryon Leppan of French Designer Gardens. • Using a base of evergreen plants in various shades of green (like the ferns and arum lilies in this garden) works brilliantly to provide year-round interest. • White flowering plants add elegance and grace to a planting scheme making the garden feel more spacious and will stand out in the evenings. • For a more vibrant look, combine hot shades of pinks and purples to make your garden pop. • As their scent is contained, fragrant plants are also ideal for small spaces. • If you want the plants to be the focus then use sculptural specimens for added drama. INCLUDE DOUBLE DUTY FEATURES

Compact gardens require nifty design features that work twice as hard to earn their keep. Look out for a mod ottoman that can be used as coffee table, but at the same time provides storage for your outdoor scatters; or consider creating a plunge pool that doubles as a water feature like this clever design. Not only does the pool provide a spot to cool off, the sound of the built-in fountain creates a tranquil air and has the added bonus of helping to drown out the noise of traffic. CREATE A VERTICAL GARDEN While space may be limited on the ground, you can always go up. Small gardens are often enclosed by high walls or fences and these can be transformed into instant gardens. Seeing the boundaries all at once means that you are instantly aware of the size of the garden. Covering the walls, or at least a part of them, with plants creates the illusion that the garden extends further than it actually does. Trendy vertical gardens can be created in a number of ways from complex built-in systems to DIY kits and even clever cut-outs as seen here in the ‘Embedded in Mother Earth’ garden designed by David Dorgan, Anne Cilliers and Byron Leppan for The Lifestyle Garden Design Show. STICK TO A SINGLE STYLE

A tiny space needn’t be limiting; if anything, it’s as much about styling as it is about gardening. That’s why it’s important to have a clearly defined style in mind before you start building your garden. For instance, are you drawn to the clean lines of a mod, minimal look, or do you prefer more informal curves and abundant plantings like in this garden designed by Theresa Jonker and Ryan Goosen at The Lifestyle Garden Design Show? Browse through books, magazines and the Internet and make a mood board – you’ll soon see your personal style emerging. TIP: Remember that choosing materials that match the interior of your house and carrying them through into your garden will make both your indoor and outdoor areas feel larger.

CONSIDER AN UNCONVENTIONAL LAYOUT Consider turning a conventional layout around completely and positioning the main seating area at the back of the garden; this draws the eye outwards enhancing the sense of space. “In a small space, over-complicated designs look fussy; a simple layout has a stronger effect,” says Roger Smith of Quercus PLP, who designed this UK garden. He’s used generous blocks of hard and soft landscaping to divide and organise the space, both for interest and ease of maintenance, creating a stylish, uncluttered garden for relaxing and entertaining.

GET THE PROPORTIONS RIGHT “A small space needs careful planning; the essential features I would include are seating, scented plants and water. Keep everything in proportion and retain the balance between the hard landscaping and plant material as much as possible,” says Raine Clarke-Wills of Raine Garden Design, who designed this garden at the Hampton Court Palace Flower Show. “Proportion also comes into play when choosing your plants. For small gardens, opt for smaller leafed plants as large leaves will make your garden look more compact,” adds Leon Kluge of Leon Kluge Garden Design.

EXPERIMENT WITH DIFFERENT LEVELS Creating different levels not only adds interest to a compact garden design, but can help give it a more spacious feel. It also presents an opportunity for you to experiment with different materials and plants, as can be seen in this sunken garden at the Hampton Court Palace Flower Show, where the clean lines of the retaining walls have be softened with naturalistic plantings.

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

ON SHOW SUNDAY

HILTON

R1 695 000

WINTERSKLOOF

ON SHOW SUNDAY

R3 450 000 HILTON TOWNHOUSE R1 395 000

3 Beds | 2 Baths | 1 Lounge | 2 Carports | 1 Garage EQUESTRIAN ESATE: Brand new on the market and priced to sell. This property has A home in a complex that has so much space. Its centrally

HOUSE AND COTTAGE: New to the market and ready to sell, this home offers a 3 bedroom family home, a lovely swimming pool plus a substantial 2 bedroom open plan cottage. Great views, great covered entertainment area and priced to sell. Follow ON SHOW boards from Old Main Brewery down Cedara Road, left into Buck ON SHOW SUNDAY 2:30 – 4:30 | Web: KHT32269

been lovingly cared for by the owners and is in pristine condition. A horse lovers paradise with fenced pastures, dressage arena and immaculate stables with offices and groom accommodation. The house has large living areas and new bathrooms. All of this is situated in a quite cul de sac in walking distance to Cowan House School. Follow boards from Old Main Brewery to Wicken Way. ON SHOW SUNDAY 2:30 – 4:30 | Web: KHT29927

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

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

situated, all bedrooms have dedicated bathrooms and a lovely entertainment area with a covered patio. Follow boards from Quarry Centre Hilton Avenue, into Acutt Road. ON SHOW SUNDAY 2:30 – 4:30 | Web: kht29967 Jane Lait C 072 107 1748 | T 033 343 3345 E jane.lait@harcourts.co.za

ON SHOW SUNDAY

R3 350 000 HILTON

HILTON TOWNHOUSE R2 190 000 HILTON 3 Beds | 2 Baths | 2 Lounges | 1 Dining | 2 Garages

Secure three bedroom double storey townhouse in central Hilton. This home is ideal for newlyweds, single professionals or the young at heart who are ready to settle down. Follow ON SHOW boards from Old Main Brewery into Dennis Shepstone and left into Berryhill Lane ON SHOW SUNDAY 2:30 – 4:30 | Web: KHT32263 Andrew Snyman C 083 387 7579 | T 033 343 3345 E andrew.snyman@harcourts.co.za

GARLINGTON

If you’re looking for a contemporary home in a secure country estate, this freshly painted home set in the heart of the exclusive Garlingto. Live with peace of mind in this sought after estate, enjoy the open spaces as well as all the amenities on offer. A new lifestyle awaits you. VIEW BY APPOINTMENT | Web: KHT29626 Trish Parsons C 082 904 3157 | T 033 343 3345 E trish parsons@harcourts.co.za

R1 350 000

3 Beds | 2 Baths | 1 lounge | 1 Dining | 1 Garage

A well established complex, great position for school going families or a perfect lock up and go for out of town parents, this simplex should be on your TO VIEW list. VIEW BY APPOINTMENT | Web: KHT29697

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

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An extensively renovated, modernized and enlarged family home with exceptional attention having been paid to all details and finishes. Great outlook and established garden. Easy access to the N3, Hilton Life Hospital, schools and all amenities. VIEW BY APPOINTMENT | Web: KHT32259 Barbara Rogers C 082 809 5956 | T 033 343 3345 E barbara.rogers@harcourts.co.za

R3 600 000 HOWICK

HILTON

R6 900 000

A stunning family home and property offering a unique opportunity to own 2 acres (800sqm) in the center of Olde Hilton. The home offers country style living with the magnificent north facing verandah, vast living areas, a superb kitchen, and there is still room for the new owner to develop the outbuildings and buld a 2nd or 3rd home, if required for other family members. VIEW BY APPOINTMENT | Web: KHT29973

We are offering you executive living in a secure estate with this new architecture designed home. Prime position, 550sqm of home makes this an incredible investment. VIEW BY APPOINTMENT | Web: KHT32279

Barbara Rogers C 082 809 5956 | T 033 343 3345 E barbara.rogers@harcourts.co.za

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

R790 000 HOWICK

R3 995 000 GARLINGTON

R1 350 000 HILTON

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

R1 895 000

4 Beds | 3 Baths | 2 Lounges | 1 Dining | 2 Garages

Location, location, location. This bedroom house is currently the best buy on the market and is set on one of the quiet and safe areas of Howick. IT is minutes away from the N3 highway, superspar and Howicks best schools. VIEW BY APPOINTMENT | Web: KHT32294

Really lovely cluster home in Howick, Greendale Park. Low maintenance, enough space for the kids, close to Howick High and Super Spar! Excellent address. VIEW BY APPOINTMENT | Web: KHT29988

Totally revamped with excellent bathrooms and a great kitchen. Wooden floors and high ceilings, typical of the era. A totally indigenous garden and a verandah right across the front of the house. There is also the option of a self contained flat with its own entrance VIEW BY APPOINTMENT | Web: KHT29937

Njabulo Gule C 073 725 1707 | T 033 343 3345 E njabulo.gule@harcourts.co.za

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

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

HILTON

R1 580 000 DEVELOPMENT OPPORTUNITY ON THE N3

This property offers a 3 bedroomed home, a substantial flat, 2 ex garages now used for storage and mae an easy conversion into a 2nd flat. Plus laundry and domestic accommodation, PLUS Eskom power supply. Call to view. VIEW BY APPOINTMENT | Web: KHT29399 Barbara Rogers C 082 802 5956 | T 033 343 3345 E barbara.rogers@harcourts.co.za

R7 900 000 excl. VAT HILTON COLLEGE ROAD

A beautifully positioned piece of land with full retail, office and light industrial rights available for sale. Plans are already in place for a shopping centre as well as storage units. It is ideally situated on the N3 for great exposure as well as easy access. The bottom section consists of wetland area and has been landscaped superbly! VIEW BY APPOINTMENT | Web: KHT29878 Melissa Line C 082 495 0655 | T 033 343 3345 E melissa.line@harcourts.co.za

R2 600 000 EXCL. VAT

BEAUTIFUL LIFESTYLE PLOTS: Set on the beautiful Hilton College Road with views over a 20 hectare dam this 1 hectare site in this development is the ideal spot to build your dream home! Listen to the fish eagles while watching the most magnificent sunsets. VIEW BY APPOINTMENT | Web: KHT32266 Melissa Line C 082 495 0655 | T 033 343 3345 E melissa.line@harcourts.co.za

Experts in home finance.

privateproperty .co.za

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

ON SHOW SUNDAY

Chase Valley Heights

ON SHOW SUNDAY

R1 495 000

An original red brick home in the middle of this upmarket area. This home has such character, with high ceilings, wooden floors, wide verandah, big rooms, lovely kitchen with pantry, full bathroom, entertainment area, pool, store room with bathroom and double garage. All set on a lovely big piece of land which has potential to build a cottage on. If you are looking for something different then come and see me. Boards from cnr Chase Valley and McCarthy Drive. On Show Sunday 2.30 - 4.30 | WEB REF:KEP23339 LYNDA MARTIN C 0824502004 | T 033 342 3340 E lynda.martin@harcourts.co.za

Chase Valley family home

R1 795 000

This large spacious family home is nestled in a popular road in Chase Valley Downs. Set on 1 858 sqm and close to all amenities, it offers lots of accommodation and is ideal for easy entertaining. This home is perfect for the extended family needing space or the family with vision as it offers so much potential. WEB REF:KEP25256 CINDY JOHNSTON C 083 564 2020 | T 033 342 3340 E cindy.johnston@harcourts.co.za

Chase Valley

Kingsford Park

Invitation to view this free standing home with superb views. Low maintenance, comprising entrance portico, study, kitchen with scullery, lounge, dining room, (dinette off kitchen), 2 bathrooms (ses) double garage, fitted with laundry, fenced and secured. Follow boards from Chase Valley Road / Campbell / Kingsford Avenue. ON SHOW SUNDAY 2.30 – 4.30 | WEB REF:KEP23982 HEATHER PAYNE C 082 837 6051 | T 033 342 3340 E heather.payne@harcourts.co.za

Rosewood Estate

IRENE COOK C 072 483 9505 | T 033 342 3340 E irene.cook@harcourts.co.za

R550 000

Two bedroom unit with bath en-suite and shower en-suite, very comfortable lounge / dining room, kitchen, covered verandah. A lovely spacious flat in a happy and secure environment. Speak with Heather. WEB REF:KEP24866 HEATHER PAYNE C 082 837 6051 | T 033 342 3340 E heather.payne@harcourts.co.za

R1 675 000 Land at VCC

One of the nicest units in the area at present and well worth viewing. Low maintenance with nothing to be done! Stunning kitchen open plan to the lounge and dining room, 3 bedrooms, 2 bathrooms (one MES) with private garden and double garage. Pets with permission WEB REF:KEP25362

R1 550 000 Bellevue Charmer

AGNES BAILEY C 072 496 3554 | T 033 342 3340 E agnes.bailey@harcourts.co.za

Central

From R249 000

Variety of units available in Central Pietermaritzburg. Bachelor @ R249 000 1 x Bedroom @ R349 000 2 x Bedroom @ R429 000 All prices include bond and transfer costs. The units have a private garden and carport. All within walking distance to the CBD. WEB REF:KEP25448,25452,25454 GLERYL DE RAUVILLE C 083 286 5758 | T 033 342 3340 E gleryl.dr@harcourts.co.za

R2 200 000

This charming duplex has just been listed at an excellent price! Loads of accommodation and plenty living space situated in a great locality near The Wykeham Collegiate School. It has that fourth bedroom for the kids and they can have their own lounge and media room! Great security - lock up & go, set in a sought after and attractive complex. WEB REF: KEP25456 JENNI PATRICK C 082 775 4699 | T 033 342 3340 E jen.patrick@harcourts.co.za

Hayfields

Price Reduced! R1 195 000

Seller needs to move on! All reasonable offers will be considered on this conveniently situated, solidly constructed home close to the new Hayfields Primary School and shopping centres. Comprises 3/4 bedrooms or 3 bedrooms and separate flatlet, lounge/dining room, bathroom with separate toilet, fitted kitchen single garage and carport. The yard is spacious allowing for future expansion. Needs some TLC. Make that call to view this weekend. WEB REF:KEP24396 IRENE COOK C 072 483 9505 | T 033 342 3340 E irene.cook@harcourts.co.za

R1 380 000exl VAT

Build your dream home in this very secured and 5 Bedroom home with study, lounge and dining room. Ideal business premises located in the heart of the city, is this free standing building. It has 4 separate offices, a peaceful estate. Luxurious homes around and land is Living room to open plan kitchen, 3 bathrooms on a spacious waiting room and reception area. Separate big piece of land, that’s fully secured. flat waiting for you to build your home.886sqm. toilet and kitchen. There are 2 undercover parking bays and 2 open bays at the back of the building and 2 open WEB REF: KEP24222 WEB REF:KEP25294 spaces in the front. WEB REF: KEP24579 LAURRA NOMUSA MBHELE C 082 834 5068 LAURRA NOMUSA MBHELE C 082 834 5068 ANJ SRIBRATH 083 419 0919 | T 033 342 3340 | T 033 342 3340 | T 033 342 3340 E anj.sribrath@harcourts.co.za E laurra.mbhele@harcourts.co.za E laurra.mbhele@harcourts.co.za

BOUGHTON R1 100 000

VALUE FLATS FOR SALE

CHAPTERS R350 000

Nice ground floor bachelor flat overlooking the pool.

PELHAM R495 000

Stunning 1 bedroom flat with enclosed balcony. Lovely outlook.

SCOTTSVILLE R565 000

SCOTTSVILLE R1 390 000

MIKE WEBBER C 082 490 9241 | T 033 342 3340 E mike.webber@harcourts.co.za

Must sell … home offers 3 bedrooms with laminated floors. 2 Bathrooms with fine finishings. Very spacious fitted kitchen, separate dining room and lounge with porcelain tiles and pool for those hot summer days. All serious offers will be considered. Owners relocating. VIEW BY APPOINTMENT | WEB REF: KEP25245

Five Acres favourite

R675 000 Price reduced to sell in Lynfield Park R930 000 NEG Boshoff Street

This lovely home in Boughton, must be one of the best value for money homes around. Some of its features are 4 bedrooms all with bics, an extra- large lounge, huge fitted kitchen, dining room, 2 full bathrooms plus an extra toilet, upstairs office or study, pool, garage, carport, outside room and toilet, fully fenced with electric gates. Well-kept home in Scottsville proper within walking distance of College and Girls High Schools. The home has 3 bedrooms, large lounge, dining room, well fitted kitchen with under counter oven and hob, 2 newly renovated bathrooms, pool, 3 roomed outbuilding easily altered into a flatlet plus a double carport and the property is fully walled with electric gates.

R1 385 000

Spacious 2 bedroomed flat requiring some TLC. Good position!!

Athlone

R1 695 000

This spacious home offers loads of potential and lots of accommodation. The main house comprises 3 big bedrooms, 2 bathrooms and two lounges. Outside are two self-contained flatlets + big outbuildings + private pool area. It requires some love and TLC. Must view to appreciate. VIEW BY APPOINTMENT WEB REF:KEP9845 ALBIE TIMMERMAN C 082 553 9921 | T 033 342 3340 E albie.timmerman@harcourts.co.za

PELHAM R620 000

Small block of six flats. Close to Varsity, school and shops. 2 Bedroom and lock up garage.

CLARENDON FROM R625 000

Choice of 2. 2 Bedrooms, garaging and balcony, situated in popular Roberts Road. ALBIE TIMMERMAN C 082 553 9921 | T 033 342 3340 E albie.timmerman@harcourts.co.za

Hayfields Townhouse

R1 250 000

This very neat townhouse is situated at a prime address and offers a large corner garden which is pet friendly. Spacious living rooms, 3 bedrooms and 2 bathrooms as well as a covered patio and lock up garage make this an excellent choice in a sought after complex. WEB REF:KEP25385 JENNI PATRICK C 082 775 4699 | T 033 342 3340 E jen.patrick@harcourts.co.za

harcourtspatrickandco.co.za

Colin Rodger

EXCLUSIVE MANDATES

HAYFIELDS MALL 082 784 3123

033 386 6623

SECURE MKAMBA GARDENS R849 000 A 5 star elevated unit with superb views. 2 good sized bedrooms, a modern open plan fitted kitchen with oven/hob, tasteful full bathroom and a lounge leading onto the covered patio. Garage too!

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36 HA AQUAPONICS

AND GAME SMALLHOLDING â&#x20AC;&#x201C; WARTBURG AREA â&#x20AC;&#x201C; SOLE MANDATE

CLELAND OPPORTUNITY R1 060 000

A 3 bedroomed home with full bathroom, second toilet, large lounge and dining room, newly fitted kitchen, E enclosed veranda and braai area,Nd/garage, maids room and workshop. A 1200 sq. metre erf fully walled.

HAYFIELDS CHARACTER R1 249 000

A super 3 bedroomed, airconditioned family home with gleaming wooden flooring. Feature lounge with fireplace and separate dining room opening onto a covered veranda (Oh so peaceful). 2 bathrooms (mes) and a lovely modern fitted kitchen. Garaging too! The size of the property which is over 1400 sq metres, is completely walled and secured and is within a short stroll to Picknâ&#x20AC;&#x2122;Pay in Blackburrow Road.

C: 082 572 3461

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VIEW BY APPOINTMENT ONLY PHONE: 076 559 7139

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

Municipal water supplies have become very costly and the fact that no water at all is required in order to maintain a simulated lawn offers a very substantial and highly tempting cost saving. Once enjoyed almost exclusively by various sports facilities, the whole idea of a low-maintenance alternative to natural greenery has since become far more appealing among the nationâ&#x20AC;&#x2122;s home and office owners too.

Water is, of course, only one of a number of requirements that is essential in order to maintain a healthy and good-looking lawn. It seems there is never a shortage of minute creatures waiting in the wings for a spot of vegetarian dining. As a result, another aspect of the battle for survival in which artificial grass has all of the advantages is that it does not feature among their favourite dishes. Not only does this mean the simulated product is safe from their attentions but it also As if this requirement alone was eliminates all need for the use of not of sufficient inconvenience, pesticides that are potentially our already semi-arid countryside damaging to family members, to is prone to fairly regular bouts of their pets and to the environment in general. severe drought and, with these, will come, almost invariably, the What about those shaded parts threat of a hosepipe ban. where everything grows only with

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DWELLING IN YORK AVE, SCOTTSVILLE 4 Bedroom house, 1 study, 1 bathroom, Â˝ bathroom, 1 toilet, TV lounge, Kitchen, Dining room; Separate lounge; Laundry; Workshop; Sun porch; 2 Garages and 2 Carports; Swimming pool; Tennis court with wall; 2 room Domestic quarters. Established garden. Building: Roof; Tile. Wall; plaster and brick Erf size: 1 827 m2. Rates and Taxes: R1 288 Close to schools, university and shopping centres

Africa is a land of climatic extremes and thus there can be a number of advantages in the use of artificial grass as opposed to the natural variety. Even in more temperate climes, there are times when the conditions are simply not conducive to its growth and, in many parts of South Africa, hoses and sprinkler systems are all that prevents the average lawn from becoming a dust bowl within a few days.

Eddie Meyer !

Join the Rosewood family and enjoy the peaceful and friendly environment. An ever-changing choice of available units. Call for further information.

PRIVATE SALE R1 500 000

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ROSEWOOD RETIREMENT ESTATE

R5 400 000

Experience a relaxing lifestyle, on a tranquil bushveld small holding featuring a fully operational aquaponics enterprise together with stocked game camps. The property has a well maintained homestead with three houses, numerous outbuildings and recreational facilities comprising two swimming pools a tennis court and a games room. Strategically located 24kms from Pietermaritzburg on a main tar road.

great difficulty? Tufted yarns need no nutrition and so are not dependent upon adequate light for photosynthesis of nutrients. Instead the serve to brighten those spots that nature cannot. Time, it seems, is in short supply these days and almost everyone appears to have little or none to spare for all but the most essential tasks and their jobs. Whenever they do happen to have a few surplus moments, more and more South Africans now choose to spend it enjoying some well-earned rest and recreation rather than in mowing the lawn. Instead of backache and hay fever, they are settling for a splash in the pool and tossing a few chops and some boerewors on to the braai. Who knows; with the money saved on powering the lawn mower, maybe a couple of racks of ribs and a few T-bones could also find their way on to the grid. Among the other important advantages of artificial grass is the fact that it is perfect in areas where the traffic is likely to be heavy. Forget about slipping and sliding in the mud after a summer downpour in the Highveld or those annoying muddy foot or

paw prints in the hall. A product such as â&#x20AC;&#x2DC;Duraturfâ&#x20AC;&#x2122; or â&#x20AC;&#x2DC;Easygrassâ&#x201E;˘â&#x20AC;&#x2122;, both of which are available through many of the Top Carpets & Floors stores nationwide, also means an end to replacing dead or damaged patches. While this is a benefit that is invaluable even to homeowners, it is of far greater value in the commercial world. Sports pitches, for instance, may be used more regularly, being less affected by local weather conditions. As a result, the International soccer body, FIFA is now recommending the use of such surfaces and has already introduced a series of international standards to which they should conform. On film and TV sets, on stage, around swimming pools or in any location where the natural option is impractical, these tough products now play an important role. Saving time and money, sparing the environment and looking good all year round â&#x20AC;&#x201C; the many advantages of artificial grass are undeniable.

Source - Top Carpets

Taking out a Bond for a house and it’s effects...

I can imagine it must be the most exciting feeling buying your first house especially buying your house whilst you are still young, you get that feeling that you have made it in life. However buying a house by taking out a bond can become a nightmare. There are a few things you need to be aware of when taking out a bond. The definition and purpose of a bond is:

3. You build a strong credit history

When you buy a home and consistently make your monthly loan payments on time, it demonstrates to other lenders that you are a good borrower and the risk of you defaulting on a loan is low. This strong credit history will be helpful in the future when you need other loans for buying a car, making improvements to your home, or paying other major expenses.

Interest rates on a bond tend to be lower than any other form of borrowing because the loan is secured against your property.

The important thing that a person has to establish first before considering taking a bond is: will I be able to afford it?

It is okay to start small, you do not have to jump too high and get a 2-6 million bond for a house that has 6 bedrooms, 3 pools, 2 bars, a tennis court and all other wonderful features especially when you are living by 4. It’s a Good Investment yourself, start small and work your way up. The other thing that a lot of people tend to focus on is maintaining a While home prices move in cycles over the short-term, if you stay in your home for a long time, it could increase in certain status, having the perfect house has become much value and give you a substantial return on your investment. more important than have a perfect financial status. The cons of taking out a bond are the following: 5.You’ll pay back A LOT MORE than you originally borrowed:

Depending on your financial situation and preferred style of living you can of course obtain yourself a bond for your dream house.

The most obvious disadvantage is that you are carrying an enormous debt over a long time. The other major drawback is that since the bond is secured on your property, you have to be able to keep up with your bond repayments or you could lose your home.

An instrument of indebtedness of the bond issuer to the holders. It is a debt security under which the issuer owes the holders a debt and, depending on the terms of the bond, is obliged to pay them interest. In addition, the issuer might have to repay the principal at a later date, which is 6. Watch out for fees: termed the maturity. Interest is usually payable at fixed intervals (semi-annual, annual, and sometimes monthly). It’s not only the cost of interest that mounts up Just like everything in life there are pros and cons to it that when you have a bond. Fees people need to be aware of. The pros of taking out a bond can also be very heavy. for your house are the following: 7. If you have a bond and cannot make payments on a 1. A bond makes home ownership affordable: monthly basis and defaults you can be subjected to a Buying a home is likely to be the biggest purchase you’ll debt review, where you can ever make and a bond will be your largest debt. be declared indebted? 2. A bond is a cost-effective way of borrowing:

themselves loosing their dream house and even be subjected to a debt review.

There is absolutely nothing wrong with taking out a bond when you know the risk that comes with it and when you know you will be able to keep up with the instalments. However it seems that mostly the young generation are rushing to get that exciting feeling without actually consulting their finances first and in the end they find

By: Nosipho Thala Candidate Attorney Randles Attorneys

For more information on this or any other legal related queries please contact us at propertypages@randles.co.za or 033 392 8000