KZN Property Pages - 30 September 2017 by KZN Property Pages

RESIDENTIAL LETTING COMMERCIAL

A BL ACK INC MEDIA PUBLICATION

30 September 2017

booking deadlines:

‘gre

BOOKING:

2pm Monday prior COPY TO BE SET:

2pm Tuesday prior

Applying for a home-loan? A home is, for most, the biggest investment you will ever make and the key to wealth creation. Very few can make this investment without a home-loan – a bad credit score will prevent you from obtaining finance, and ultimately delay your plans & limit your path to wealth creation and financial security. Home loan applications are scored electronically before being

assessed by an individual. Points are allocated based on the information provided and the applicant's credit record. Should the banks' electronic system decline an application, it requires a very strong, well-supported motivation for a credit manager to override this decision. So how do you ensure that you obtain a good score and are first in line when it comes to credit extension? Mortgage originating company Property Factor offer “Ten tips to ensure you remain creditworthy” 1) Reduce unnecessary facilities All credit limits granted, whether used or not, are taken into account when evaluating your affordability. Hence, if you have an overdraft facility that you are not utilising or a credit card limit of R60,000, where you only need R10,000, reduce this accordingly. 2) Have some form of credit facility It is very difficult for banks to assess your credit management if you don’t already have an existing credit facility. Having no credit facilities will reduce your credit scoring. 3) Pay your accounts on time, every time If your account is due on the 30th of the month, but you are in the habit of only paying a few days later, your account will reflect, in your credit report, as being 30 days overdue. If one month you pay a double instalment and the next month you don’t pay your account, you will be an instalment in arrears. To avoid having arrears reflecting in your credit record, pay your accounts by debit order. 4) Avoid bounced cheques/debit orders If your cheques or debit orders are returned due to insufficient funds, your credit scoring at that particular bank will be adversely affected, even if you sort out the problem the very next day. When applying for credit at another financial institution, they will request three to six months bank statements and possibly even a “code” from your banker. If at the time your unpaid items are still evident, they bank may refuse to grant you credit.

not been inadvertently listed. You are entitled to a free report once a year. Immediately dispute any adverse record you don’t agree with or sort out any outstanding listing. This information is available to all banks and they will not grant any form of credit extension if you currently have unresolved debt issues.

COMPLETE MATERIAL:

10am Thursday prior

To advertise contact us now on:

sales@kznpropertypages.co.za

TransUnion ITC - 086 188 6466 Experian S.A. - 086 110 5665 Credit Information Ombuds - 0861OMBUDS (0861 662 837) 6) Be proactive If you suspect that you will be entering difficult times in future, make plans to release equity on your assets, obtain additional finance and reduce existing expenditure. Make hay while the sun shines, because once you are in trouble, it will be very difficult to convince anybody that you are worthy of credit.

033 811 5189

Be in touch:

we’d love to hear your news and views:

7) Have updated financials It is surprising how many self-employed entrepreneurs don’t have updated financial statements and management accounts. How do you manage your business? Without management accounts, you are sending out a clear message that you are not on top of the financial aspects of your business. How do you propose convincing anybody that your business can continue sustaining itself and provide you with future income? Financial statements and management accounts are the foundation for successful business management. They reflect the history of your business, your income and expenditure and the flow of funds, and without them it is almost impossible to assess your creditworthiness.

info@kznpropertypages.co.za KZN Property Pages @KZNPropPages

www.kznpropertypages.co.za Black Inc Media is a member of the

8) Avoid trading in cash

Pietermaritzburg Chamber of Business

If you run a cash business, deposit your cash into your bank account. Even if you have accurate financials, but the bank is unable to verify your turnover through your bank account, they may refuse to grant you credit.

PUBLISHER:

9) Physically pay yourself

DESIGN:

This is for the self-employed. The banks need to confirm that income declarations are evident, on a month-to-month basis, in the applicant’s personal bank account. Gone are the days that personal and business transactions conducted through the same account, supported by an accountant’s income declaration, would suffice. 10) Does your bank offer credit facilities? Make sure that the bank that you bank with offers credit facilities such as overdrafts, personal loans, business facilities, home loans, etc. When available cash for lending is limited, as with the current economic climate, the banks reserve the privilege of a loan, discounted rates and to override the system declines, for their own clients. Should you not bank with a bank that offers these facilities, obtaining credit may be challenging. One is always eager to blame circumstances and the current market conditions for the position we find ourselves in. The fact is, 80% of all declines are due to applicants not taking responsibility for their creditworthiness. Obtaining a home loan is within everybody’s reach, provided you remain worthy of credit.

5) Check your credit record Contact the various credit bureaus and make sure that you have Source – Property Factor

PRINT:

Black Inc Media Black Inc Media Paarl Coldset

A BLACK INC MEDIA PUBLICATION

ISSUE

30 September 2017 IN ASSOCIATION WITH

VICTORIA COUNTRY CLUB ESTATE ST YLISH LIVING | SECURE ESTATE | RENTAL OPTIONS

DIRECT FROM DEVELOPER | SPRING DEAL | AVAIL ABLE IMMEDIATELY

2 bed, 2 bath with single garage unit available at R1 695 000 inc VAT. 3 bed, 2 bath, double garage unit available at R2 095 000 inc VAT.

TO BOOK A VIEWING CONTACT LAUREN KUHN ON 060 983 2058 OR EMAIL LAURENK@CENPROPDEV.CO.ZA W W W. V I C T O R I A R I D G E . C O . Z A 3

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

ON SHOW SUNDAY

Price Reduced! Hayfields

ON SHOW SUNDAY

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. Follow boards from corner Blackburrow Road and Hesketh Drive. ON SHOW SUNDAY 2.30 – 4.30 pm | WEB REF:KEP24396 IRENE COOK 072 483 9505 | T 033 342 3340 E irene.cook@harcourts.co.za

CHASE VALLEY

ON SHOW SUNDAY

R1 675 000 Gem in Montrose

Really worth viewing!! This low maintenance simplex in a well run complex has an absolutely stunning open kitchen and nice finishes throughout. Close to all amenities. Offers 3 bedrooms, 2 bathrooms (mes), spacious lounge/dining room area and a covered verandah. There’s a double garage and a compact easy to manage garden. Great value!! Follow boards from Cascades / Chase Valley Road. ON SHOW SUNDAY 2.30 – 5.00 | WEB REF:KEP25253 ALBIE TIMMERMAN C 082 553 9921 | T 033 342 3340 E albie.timmerman@harcourts.co.za

ON SHOW SUNDAY

R2 890 000

The modest frontage hints at the originality of this open plan, architecturally designed modern home with extensive views. High ceilings, versatile layout, basement and garden are all attractive features. Top quality finishes. Two reception rooms, dining room, 3 bedrooms, en-suite and two other bathrooms, study or 4th bedroom, kitchen with scullery, two carports, 4 water tanks, two solar panels and many carefully planned extras, giving this owner built home a unique quality. Follow boards from Athlone Circle/ Peter Brown Drive into Montrose Drive. ON SHOW SUNDAY 2.30 – 4.30 | WEB REF: KEP24722 CINDY JOHNSTON C 083 564 2020 | T 033 342 3340 E cindy.johnston@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. Follow boards from Hesketh Dr and Adams Road into Kay Road. ON SHOW SUNDAY 3.00 – 5.00 | WEB REF:KEP25385 JENNI PATRICK C 082 775 4699 | T 033 342 3340 E jen.patrick@harcourts.co.za

ON SHOW SUNDAY

Spacious and Serene R1 450 000 Perfect townhouse living, in a quiet, small complex. Lovely sized simplex with lots of space. Comprising a large family room, open plan lounge, dining room, 3 well sized bedrooms and 2 bathrooms. Also offering a lock up garage and carport. Pet friendly. Must be viewed to be appreciated. Follow boards from Townbush and Neden Road to Anne Stafford Drive. ON SHOW SUNDAY 2.30 – 4.30 | WEB REF:KEP24232 JULIE CHETTY C 084 622 0288 | T 033 342 3340 E julie.chetty@harcourts.co.za

Price reduced to sell in Lynfield Park R930 000 NEG 5 Bedroom home with study, lounge and dining room. Living room to open plan kitchen, 3 bathrooms on a big piece of land, that’s fully secured. WEB REF: KEP24222 LAURRA NOMUSA MBHELE C 082 834 5068 | T 033 342 3340 E laurra.mbhele@harcourts.co.za

Montrose

R1 495 000

Enjoy living in your private 3 bedroom, 2 bathroom home in prime Montrose with lounge opening onto a covered verandah leading to a pool with magnificent calming views. Has dining room, fitted kitchen, double garage, domestic accommodation and good security. WEB REF:KEP22778 GLERYL DE RAUVILLE C 083 286 5758 | T 033 342 3340 E gleryl.dr@harcourts.co.za

Mkondeni

R4 950 000

Solidly built offices in Mkondeni, close to N3 off-ramp and testing ground. Approximately 1105square metres of space designed with four separate buildings with multiplicity of uses in terms of zoning. 15 Under cover parking bays. Fully paved with controlled access. For further details please call me. WEB REF: KEP25235 KEN SHAND C 082 461 2008 | T 033 342 3340 E ken.shand@harcourts.co.za

Scottsville

R1 390 000

Well kept home within walking distance of College and Girls High School. Some of the features are 3 large bedrooms, separate lounge and dining room, fitted kitchen with under counter oven and hob, two newly renovated bathrooms, pool, double carport plus there is an extra large outbuilding which could easily be altered into a flatlet. WEB REF:KEP25372 MIKE WEBBER C 082 490 9241 | T 033 342 3340 E mike.webber@harcourts.co.za

Scottsville face brick

Clarendon Face Brick R1 695 000 Lovely face brick home conveniently situated up the road from Wykeham Collegiate School. Offering loads of accommodation and living areas. 4 bedrooms, 2 bathrooms (1 MES) plus guest loo downstairs with potential as a guest suite. Well-appointed kitchen + laundry + study. There are two garages, domestic quarters and a pool requiring some attention. All set in a secure garden with remote access. VIEW BY APPOINTMENT | WEB REF:KEP24885 ALBIE TIMMERMAN C 082 553 9921 | T 033 342 3340 E albie.timmerman@harcourts.co.za

R980 000 Land at VCC

Quaint 2/3 bedroomed home situated on a manageable pan handle property. Close to schools, varsity and shopping centre. Furthermore it offers a separate lounge + dining room, 1.5 bathrooms, fitted kitchen, lock-up garage, carport and Wendy house. The property is fenced/walled and must be seen to be appreciated. VIEW BY APPOINTMENT | WEB REF:KEP25343 ALBIE TIMMERMAN C 082 553 9921 | T 033 342 3340 E albie.timmerman@harcourts.co.za

R675 000

Build your dream home in this very secured and peaceful estate. Luxurious homes around and land is flat waiting for you to build your home. 886 sqm. WEB REF:KEP25294

LAURRA NOMUSA MBHELE C 082 834 5068 | T 033 342 3340 E laurra.mbhele@harcourts.co.za

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

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

Potential in Pelham

R1 895 000

Possibly sub-divisible, inviting, comfortable home in good condition with 3 bedrooms, 2 reception rooms, well appointed kitchen. Immaculate self contained flat with separate bedroom, + open plan living area. 3rd Dwelling is separate and private but in need of a kitchen and bathroom (already plumbed). Double garage could easily convert to a 4th dwelling. WEB REF: KEP25379 FIONA PATRICK C 082 553 7810 | T 033 342 3340 E fiona.patricK@harcourts.co.za

harcourtspatrickandco.co.za

PELHAM R620 000

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

CLARENDON FROM R675 000

Choice of 2. 2 Bedrooms, garaging and balcony, situated in popular Roberts Road. IRENE COOK C 072 483 9505 | T 033 342 3340 E irene.cook@harcourts.co.za

Muswell Estate

R799 000 Cape Cod Meets Clarendon

LAND FOR SALE !! A rare opportunity to purchase land in this exclusive estate. Beautiful view from this corner site offers the opportunity to build your dream home within the security and tranquility of this upmarket complex surrounded by magnificent homes. Plans have been drawn and are included in the asking price. WEB REF: KEP24973 ESTELL SPIRES C 072 381 5816 | T 033 342 3340 E estell.spires@harcourts.co.za

R2 200 000

This charming double storey duplex has just been listed at an excellent price! Loads of accommodation and plenty of 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 with great security - lock up & go convenience and set in an upmarket and attractive environment. WEB REF:KEP25456 JENNI PATRICK C 082 775 4699 | T 033 342 3340 E jen.patrick@harcourts.co.za

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

ON SHOW SUNDAY

WINTERSKLOOF HILTON

R3 350 000

ON SHOW SUNDAY

R3 450 000 OAK PARK

R2 195 000

EQUESTRIAN ESATE: Brand new on the market and priced to sell. This property has

This home set in the corner of a pet friendly complex is sure to WOW you! Contemporary, clean lines, spacious living and secure are just a few of the positives. Quartz counter tops, white finishes throughout the kitchen and scullery and neutral tones in the paradise with fenced pastures, dressage arena and immaculate stables with offices bathrooms. The large eat-in kitchen is large enough to place a desk in there and make a part of it your workstation/diningroom. and groom accommodation. The house has large living areas and new bathrooms. The lounge opens into a spacious covered veranda which is enclosed with security gates. The thing I love about this home is that All of this is situated in a quite cul de sac in walking distance to Cowan House School. the same flooring flows throughout the house; the bathrooms, kitchen and scullery are newly renovated and there is direct access Follow boards from Old Main Brewery to Wicken Way from the double garage. Follow boards from CNR Townbush and Ireland Roads to Hunters Terrace. ON SHOW SUNDAY 2:30 – 4:30 | Web: KHT29927 ON SHOW SUNDAY 2:30 – 4:30 | Web: KHT32332

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. ON SHOW SUNDAY 2:30 – 4:30 | Web: KHT32259 Barbara Rogers 082 8095956 | T 033 343 3345 E barbara.rogers@harcourts.co.za

HOWICK

R2 195 000 HILTON SIMPLEX

NEW ON THE MARKET : If it’s unique you are looking for then this is it! The main house has 4 bedrooms plus a games room/pub and 3 garages and the cottage has 2 bedrooms and open plan kitchen, lounge and dining room. Please call me for a private viewing. VIEW BY APPOINTMENT | Web: KHT32326 Michelle Byres C 072 120 6160 | T 033 343 3345 E michelle.byres@harcourts.co.za

Priced to sell, this immaculate home is situated in a well run, private and secure complex with the most stunning views over PMB and great security....Just lock up and go! A separate detached guest suite/office is the cherry on the top. Close to the Quarry shopping centre and all amenities VIEW BY APPOINTMENT | Web: KHT28885 Barbara Rogers C 082 8025956 | T 033 343 3345 E barbara.rogers@harcourts.co.za

A spacious, completely private and exclusive home in sought after Fernridge Estate. Offering ample accommodation in the 3 double bedrooms as well as the comfy open plan living areas and a gourmet kitchen (including the large smeg oven). Do not miss out on this one! VIEW BY APPOINTMENT | Web: KHT32354 Cathy Fitzpatrick C 0832344864 | T 033 343 3345 E cathy.fitzpatrick@harcourts.co.za

550sqm of Prime real estate that will be ready in January 2018. Buy now and choose your own finishes! Large stand, stunning architecture and an incredible investment at the price! No transfer fees is an added bonus VIEW BY APPOINTMENT | Web: KHT32279 Jane Lait C 060 5064570 | T 033 343 3345 E jane.lait@harcourts.co.za

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

# - *0-/.#$'/*).co.za

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

R2 095 000 HILTON TOWNHOUSE

4 Beds | 2 Baths | 1 Lounge | 2 Garages

Andrew Snyman C 083 3877579 | T 033 343 3345 E andrew.snyman@harcourts.co.za

R2 190 000

3 Bed | 2 Baths | 2 Lounges | 2 Garages

Secure three bedroom double storey townhouse in central Hilton. This home is ideal for newly-weds, single professionals or the young at heart who are ready to settle down. VIEW BY APPOINTMENT | Web: KHT32263

Tracy Summerton C 0794388059 | T 033 343 3345 E tracy.summerton@harcourts.co.za

R1 895 000 MERRIVALE

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

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 Brian Wilkes C 082 4176166 | T 033 343 3345 E brian.wilkes@harcourts.co.za

R110/M2 per month MOOI RIVER

Prime spot for retail or warehouse space on sought after Victoria Road with a large open space of 651 m2 and an option to link into the 630 m2 the opportunities here are endless! Large parking area directly outside. VIEW BY APPOINTMENT | Web: KHT29953/KHT29949

Tracy Summerton 079 4388059 | T 033 343 3345 E tracy.summerton@harcourts.co.za

Large four bedroom home with swimming pool in one of Scottsville’s finest Avenues with outbuildings for a work from home environment or separate rental. Oregon pine flooring, new kitchen and large bedrooms. VIEW BY APPOINTMENT | Web: KHT29866

R6 900 000 HILTON

HILTON - DEVELOPMENT OPPORTUNITY ON THE N3 POA PMB - PRIME RETAIL SPOT FOR LEASE Breaking new ground and creating fantastic investment opportunities, this prime land situated on the N3 at Cedara, Hilton for sale! The sites range from 3 252 to 11 434 m2 and have a development bulk of 60%The prices of these sites vary from R525 - R683 / m2 depending on their location and visibility to the N3.These sites fall under the zoning ‘Business Park’ which includes light industry, showroom etc. VIEW BY APPOINTMENT | Web: KHT29499

R2 700 000 SCOTTSVILLE

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

HILTON TOWNHOUSE R2 350 000 GARLINGTON 3 Beds | 3 Baths | 2 Lounges | 2 Garages

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

R1 250 000

This private and secure low maintenance home has everything a family could want. The neat land-scaped garden has been newly planted, just in time for Spring. Laminated flooring, modern finishes and tasteful touches throughout the house. This property has to be seen to be appreciate all it has to offer! VIEW BY APPOINTMENT | Web: KHT29853 Barbara Rogers C 082 8095956 | T 033 343 3345 E barbara.rogers@harcourts.co.za

R15 000 000 BALGOWAN

Established equine stud on 325 hectares. The farm consists of : 99 stables, including 12 x foaling boxes, 3 x stallion boxes, 24 stables within separate stable barn. Race track. Buildings: 1 x main house - 1 bedroom; 1 x cottage ( 3 bedrooms); 3 x offices attached to stables; 1 x flat ( 1 bedroom); 1 x conference / reception room attached to stable block. Staff accommodation. Generator.Paddocks made up of Kikuyu / rooigrass/ veld - eragrostis camps. VIEW BY APPOINTMENT | Web: KNH3569

R3 200 000

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

Take advantage of this rural/residential property, surrounded by farmland. Stunning home in the centre of the Midlands Meander, up a quiet lane on 1 hectare of private land. The property includes a home + nursery business with a large variety of exotic plants. The house has four bedrooms, the main is a large bedroom en-suite. Three other bedrooms, open-plan lounge and dining area, pub / sun- room, covered patio in beautiful garden. Two bathrooms, mes, and walk-in dressing room. Large kitchen with separate scullery and laundry room. Two garages and three carports and work-shop. Tunnels, greenhouses, all beautifully maintained. Move in and take advantage of the thousands of plants to commence the nursery business. VIEW BY APPOINTMENT | Web: KNH3657 Roger Nevin C 082 5553995 | T 033 343 3345 E roger.nevin@harcourts.co.za

Roger Nevin C 082 5553995 | T 033 343 3345 E roger.nevin@harcourts.co.za Experts in home finance.

privateproperty .co.za

1967 - 2017

EST. 1967 / PROUDLY MARITZBURG

MONTROSE

R2 850 000

UNIQUE AND SPACIOUS

ON SHOW 2.30-5

Web 1896855

R1 450 000

LOVELY FAMILY HOME WITH BACHELOR FLAT 3 Beds / 2 Baths / 2 Garages / 1 Carport

Web 2460677

Don’t miss out on this character home offering entrance hall, formal lounge, fitted kitchen, laundry/scullery dining room separated by a feature fireplace to the family room with sliding doors leading out to the garden, 3 bedrooms, 2 bathrooms (M.E.S), outside is a double garage, carport plus lovely bachelor flat or office.

Follow boards from Roberts Rd & Villiers Dr. Andrew Norton 062 138 1423 | andrew@natalproperty.co.za

CLELAND

R1 499 000

Web 2147417

This new modern home features open plan living at its best. This house 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!

Follow boards from Cnr. of Townbush Rd and Montgomery Dr. Nalita de Coning 072 451 6114 | nalita@natalproperty.co.za

BELLEVUE

R1 320 000

NPC

ON SHOW 2.30-4.30

ON SHOW 2.30-5

Web 1937659

Follow boards from Francis Staniland Rd/Duncan McKenzie Dr to Dodo Pl. Tony Sanders 082 779 6145 | tony@natalproperty.co.za

EXTENSIVE HOME PLUS A FLAT!!! 5 Beds / 2 Baths / 1 Garage

Great value offering 5 bedrooms, 2 bathrooms, 3 reception rooms and a large utility room / study with its own entrance. In addition there is a self-contained 1 bedroom flatlet which is currently let for R 3800pm. Pool, l/up garage, double carport and a fully fenced garden make this an attractive investment

Follow boards from Cnr. of Murray Rd and Begonia Rd to Acacia Rd. Kerry Brown 083 278 1033 | kerry@natalproperty.co.za

BEACON HILL COUNTRY ESTATE

R1 195 000 TO R1 395 000

CHOICE OF BRAND- NEW HOMES (NO TRANSFER DUTY)

R1 185 000

BOUGHTON

NEW TO THE MARKET-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, offering three bedrooms, study or fourth bedroom, M.E.S, family bathroom, kitchen and open-plan lounge/dining room with sliding doors leading onto an undercover patio. The property is fully walled with auto gate, single garage and carport.

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

PRESTBURY

R1 195 000

NPC

ON SHOW 2.30-5

4 Beds / 3 Baths / 1 Garage These homes feature porcelain floor tiles, quality open-plan kitchens (Granite tops & UCO/Hob), aluminum windows & the choice of 3 or 4 bedrooms. Also pleasant views from a secure gated estate. Follow boards from Eastwood / Bishopstowe traffic lights, up Old Wartburg Rd to Beacon Hill Country Estate. Abie Lange 082 875 0200 | abie@natalproperty.co.za & Deon van der Westhuizen 083 232 3225 | deon@natalproperty.co.za

R1 150 000

SPACIOUS-NEWLY PAINTED-FAMILY HOME

3 Beds / 2 Baths / 2 Garages / 2 Carports Web 2398800 This home comprises of 3 bedrooms, 2 bathrooms, newly tiled diningroom, lounge & fitted kitchen. This home also boasts extras such as a swimming pool, double garage, double carport, study & CCTV. Don’t miss out on this neat home. Follow boards from Villiers Rd & Zwartkop Rd to Inyoni Pl. Brad Smith 078 322 1720 | brad@natalproperty.co.za

PRESTBURY

R 965 000

NPC

ON SHOW 2.30-5

SPLENDID SECURE HOME IN SCOTTSVILLE

3 Beds / 2 Baths / 2 Carports Web 2337901 Neatly tucked away in private secure complex comprising of 4 homes. This unit has a small garden, double garage, 3 bedrooms, 2 bathrooms, large lounge, study, private verandah and double carport. Ideal lock-up and go. Great value Follow boards from Jesmond Rd and Oribi Rd to Isabel Rd. Koen Gouweloos 082 337 1048 | koen@natalproperty.co.za

3 Beds / 2 Baths / 2 Garages

NPC

Set in a sought after complex, this spacious unit offers a lounge, dining room open plan to well fitted kitchen ( U/C Hob and Oven ), three bedrooms, two bathrooms (MES), double garage with direct access to the unit, established private garden and superb views. Small pets allowed.

78 Commercial Road

MODERN FAMILY HOME

NPC

3 Beds / 2 Baths / 2 Garages

MAIN BRANCH 033 345 1515

R1 550 000

NPC

Follow boards from Cnr. of Townbush Rd & Craigie Dr. Paul Campbell 082 782 4180 | paul@natalproperty.co.za

SCOTTSVILLE

ATHLONE

NPC

This contemporary home features a spectacular entrance walking over a decked bridge, right into a double volume entrance hall. The living areas are spacious, airy and open plan with laminated floors. The home comprises 3 lounges, diningroom, large study, spacious oak kitchen, staff quarters, gym room, braai area as well as a double garage.

TOWNHOUSE WITH PANARAMIC VIEWS

R1 790 000

NPC

4 Beds / 2 Baths / 2 Garages

MONTROSE

CLARENDON

TRANQUILLITY WITH A VIEW 3 Beds / 2 Baths / 6 Carports / 1 Garage

Web 2420592

This family home comprising of 3 bedrooms with Bic’s main room en suite second bathroon, lounge with fire place, dining room, kitchen with cottage styled Bic’s, scullery, jacuzzi & Jo-Jo tank located in tranqual settings, is yours for viewing and purchasing.

Follow boards from Sweetwaters Rd turn right into Celtis Rd then right again into Boughton Place. Lewis Nel 083 662 2710 | lewis@natalproperty.co.za

CASCADES 033 347 1819

Cascades Centre

HAYFIELDS 033 386 3312

35 Blackburrow Road

CHARMING HOME

3 Beds / 1 Bath / 2 Carports / Flatlet

Web 2453862

This house has had a total revamp inside, as well as new roof. The kitchen has granite tops with ELO & Hob, lovely wooden floors in the lounge and dining room, new built in cupboards in the bedrooms, outside laundry and self-contained one bedroom flatlet.

Follow boards from Mayors Walk Spar to Cnr. Mayors Walk/Wheeler Street. Hennie Balt 082 950 0164 | hennie@natalproperty.co.za

NATALPROPERTY.CO.ZA

INFO@NATALPROPERTY.CO.ZA

1967 - 2017

EST. 1967 / PROUDLY MARITZBURG

BOUGHTON

R 995 000

OTTOS BLUFF

R 4 500 000

RICHMOND

R2 999 000

CHASE VALLEY

R1 285 000

NPC

ON SHOW 2.30-5

CHARMING SIMPLEX 3 Beds / 2 Baths / 1 Garage

Web 2229057

Delightful 3 bedroom (bics), 2 bathroom unit with an open plan lounge/dining room & kitchen which opens onto a private verandah. This unit has a single garage, remote access and is close to schools & other amenities.

Follow boards from Mayors Walk Spar Mark Gouweloos 072 544 9277| mark@natalproperty.co.za

HAMMARSDALE

R 43 000 000

14.55 HECTARE PRIME LAND FOR SALE

Adjacent to new exciting logistic development ‘Keystone Park’ a major catalyst for growth in the Hammarsdale (Clifton) area next to the N3. This new development accommodates Abeydale, Mr Price, Malda Park and Ackermans (platform being prepared). This land caters for several land uses; permitted; special consent & development permit uses that may be established in terms of the development controls for the zone, but with written consent of adjacent property owners. (Price R300 per m2)

Abie Lange 082 875 0200 | abie@natalproperty.co.za

MONTROSE

R1 150 000

POPULAR WALTDORF 2 Beds / 1 Bath / 1 Garage

LUXURY COUNTRY LIVING AT ITS BEST!

A PATCH OF PARADISE

Immaculate luxury lifestyle facebrick mansion, situated on picturesque smallholding, westside of Albert Falls dam. 5 star kitchen, airy lounge/dining room combination, office, huge verandah, pantry, 2 bedroom flatlet, huge workshop external and security room, double carport, triple garage, pool, automatic generator, solar heating, active borehole, fully fenced and lots of other extras not mentioned. Must be viewed to be appreciated. Make an offer!

This home is set in a beautiful parklike garden with a beautiful view. The house offers 3 bedrooms, 2 bathrooms, lounge, dining room, sociable kitchen and scullery. 2 lovely garden cottages, a sparkling pool and lovely entertainment den, paddocks, staff accommodation, garaging and so much more. Margie Smith 082 571 6516 | margie@natalproperty.co.za

3 Beds / 2 Baths / 2 Carports / 3 Garages

Web 2446208

Abie Lange 082 875 0200 | abie@natalproperty.co.za

PEACEHAVEN

R1 540 000

BEST GOURMET KITCHEN!

3 Beds / 2 Baths / 2 Garages Web 2252990 This delightful home offers a separate lounge and diningroom, an exceptionally well fitted kitchen (Uco & Hob), plus 3 bedrooms served by 2 bathrooms. Also a study, double garage, servant’s quarters, workshop & remote access. Jess Campbell 084 510 0808 | jessica@natalproperty.co.za

RICHMOND CREST

R 990 000

GOOD FAMILY HOME Web 2459180

4 Beds / 2 Baths / 2 Garages

3 Beds / 2 Baths

ATHLONE

Web 2453824

R1 295 000

WELL LOCATED, IMPRESSIVE DUPLEX

3 Beds / 21/2 Baths / 1 Garage Web 2247402 This spacious unit has an open plan lounge & kitchen with entertainment area and a study. The very secure well run complex is close to all amenities & also offers a communal swimming pool and tennis court. Sid Brown 083 300 0530 | sid@natalproperty.co.za

PELHAM

R 950 000

PELHAM PROUD Web 2305209

PRICED TO SELL!

3 Beds / 2 Baths / 2 Garages

Web 2060289

This pin neat family home is set in a fantastic area, in a quiet street. 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. Jess Campbell 084 510 0808 | jessica@natalproperty.co.za

BELLEVUE

R1 325 000

LOW MAINTENANCE FAMILY HOME! 4 Beds / 2 Baths / 2 Garages

Web 2432568

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.

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

NORTHDALE

R 695 000

SPACIOUS FAMILY HOME!

3 Beds / 2 Baths / 1 Garage / Pool

Web 2294440

3 Beds / 2 Baths / 3 Carports

Web 2458465

This immaculate & modern unit comprises of 2 bedrooms

This lovely family home is served by a lounge, dining room,

This home is situated in a quiet street in Pelham and is

served by a stunning bathroom, study, open plan lounge/

fully fitted kitchen & a double garage. Well fenced garden.

positioned on a level piece of land other extras include

diningroom onto a newly fitted kitchen & garage.

Reasonable offers acceptable!

single garage, carport, pool and domestic room.

lounge, dining room, fitted kitchen and a triple carport.

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

Bongani Zondi 082 957 4456 | bongani@natalproperty.co.za

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

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

PELHAM R675 000 TO R790 000

LINCOLN MEADE

POPULAR SANDHURST

PRICED TO SELL

Choice of 2 Ground Floor Flats Web 2169629 I have a 2 & a 3 bedroom flat for sale. Both have carports & the complex also offers a communal swimming pool, tennis court & laundry. Excellent management, please call me to view! Margie Smith 082 571 6516 | margie@natalproperty.co.za

MAIN BRANCH 033 345 1515

78 Commercial Road

3 Beds / 1 Bath / 1 Carport

R 670 000

& dining room, fully fitted kitchen, full bathroom, carport and neat garden. Bongani Zondi 082 957 4456 | bongani@natalproperty.co.za

Cascades Centre

R 595 000

NEAT FAMILY HOME Web 2461074

This lovely simplex is new on the market. Open-plan lounge

CASCADES 033 347 1819

WESTGATE

3 Beds / 1 Bath / 1 Carport Web 2461326 This lovely home comprises of 3 bedrooms, bathroom (separate toilet) open plan lounge / dining room, fitted kitchen (uco & hob), carport and fully fenced garden. This home is in good condition Brad Smith 078 322 1720 | brad@natalproperty.co.za

HAYFIELDS 033 386 3312

35 Blackburrow Road

This lovely home offers 3 bedrooms, served by 2 bathrooms,

PELHAM

R 540 000

GOOD LOCATION

2 Beds / 1 Bath Web 2308243 This spacious 2 bedroom flat is 88m2 – large lounge/dining room, BIC’s, fitted kitchen, bathroom, separate toilet, enclosed balcony, secure parking – convenient to schools and shops. Sue Williamson 082 463 6359 | suew@natalproperty.co.za

NATALPROPERTY.CO.ZA

INFO@NATALPROPERTY.CO.ZA

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We believe that flooring along with walls are the two main contributors to the ambiance in any home. Walls are slightly more simplistic as you choose paint colours that you fancy will compliment furniture. Floors are slightly more complex as there are so many options to choose from.

Floor Tiles versus Laminate Flooring

These days we are less likely to stick to the traditional adage of carpeted bedrooms, with the rest of the house being tiled. With far more options, we are spoilt for choice in order to keep warmth in the home. Having a tiled look, that resembles a wood look, has become trendy and more common in the household. This article will simplify your options. You can have a look at the pros and cons of the two most popular options, these being floor tiles and laminate flooring. We compare the two but keep in mind that we are looking for a product with longevity and durability.

Source - iTile

Differences between both floor tiles and laminate flooring Style Laminate and tiles both boast an extensive variety of texture and look. There is a huge range in the market for both these options that can be considered in various homes. Laminate can realistically replicate the natural stone look while tiles have been engineered to resemble that of wood. Laminate flooring has a large wood-look selection, while there are a lot of tiles that resemble natural stone. Installation Laminate flooring has been designed in a way that makes it user-friendly and easy to install as it uses an interlocking system. This form of flooring does not require time for grouting to dry or glue to set. Without the knowledge or patience to install ceramic tiles, it is certainly a longer process that is harder to get accurate, if not done correctly. Maintenance & Flexibility Both laminate and tile are easy to clean, although tiles are more durable and resistant to animals and scrapping furniture as it is less likely to scratch or chip. Laminate is more prone to fading and requires more maintenance as certain products need to be

varnished, oiled or waxed. Laminate is not totally resistant to moisture and excessive amounts could lead to damage, affecting overall appearance and performance. Tile flooring is regarded one of the most flexible and long lasting flooring options, depending on the grade. Porcelain tiles are more sturdy and durable. As they are less porous, they are less prone to cracking or absorbing moisture. This makes this tile ideal for any room in the home as well as outside the house. Cost Laminate flooring is considered a cheaper option as its mass produced using low-cost materials. This is seen as a great mid-priced flooring option, but there is the exception of more expensive hardwood flooring or cheaper vinyl that could be considered, depending on your lifestyle and flooring needs. That being said, tiles are made to spec and the price is certainly dependent on the quality. While tiles may be slightly more expensive initially, they last longer, are seen to be more durable and require less maintenance or replacing, therefore decreasing future costs and often this tried and tested product is a preferred option.

90 Roberts Road, Clarendon, Pietermaritzburg & Midlands Tel: 033 345 1939

CHASE VALLEY

R890 000 PELHAM

Fax: 086 558 7707

R798 000 NORTHDALE

R595 000

ON SHOW SUN 3-4:30PM

TIME TO DOWN SCALE! A comfortable freestanding 2 bedroom simplex with a lock up garage. Communal pool and a clubhouse in the complex. Boards up Chase Valley Road.

PELHAM

R795 000 PELHAM

GREAT COMPLEX! 3 Bedroom duplex with a full bathroom, open plan lounge/dining room to garden area, carport and extra parking.

R540 000 CENTRAL FLATS

COMFORTABLE 1ST FLOOR FLAT ! Well positioned block offering various bach2 bedroom with parquet flooring throughout, elor and 1 bedroom flats: Bachelor 48 sqm open plan lounge/dining room to an enclosed R295 000 & 1 Bedroom 68 sqm R330 000. balcony and a carport.

Tina Henman 083 560 0160 tina@haloprop.co.za l

CONVENIENTLY SITUATED. This triplex offers 4 bedrooms, 2 bathrooms, parking for 2 vehicles and a small garden for a small dog (permission). Close to various schools.

JUST MOVE IN! This 2 bedroom home is tiled throughout with built in cupboards, fitted kitchen, auto access gate and a carport for +/- 4 vehicles.

SCOTTSVILLE

WALK TO VARSITY! Bachelor Flat with 24hr security access and communal pool.

www.haloprop.co.za

hOwicK

R980 000

wORLDS ViEw

R1 910 000

MERRiVALE

R695 000

AMBER LEE

R3 990 000

POPULAR SADDLERâ&#x20AC;&#x2122;S PARK

hAPPY FAMiLY LiViNG

GOOD iNVESTMENT!

ThE EXcLUSiVE AMBER LEE

North facing, neat and tidy, 2 bedroom plus study and 2 bathrooms. Very friendly complex and close to all amenities.

This 4 bedroom home is situated in a picturesque suburb with leafy green areas, rolling lawns, neat verges and beautiful trees. Make the call!

Low maintenance face brick 2 bed and 2 bath simplex. Small complex. Single garage and carport. Front and back garden. Well worth viewing!

This exclusive prime property is a jewel of the estate. Open plan living at its finest and a patio to take in the most exquisite views!

Jenny Smit 082 544 8367

Sue Burczak 082 954 9253

Lyn Dewing 076 479 4919

Sharon Davies 082 579 2637

RL31351

RL30553 SOLE MANDATE

RL32392

RL27847

Tel: 033 330 8101 â&#x20AC;˘ www.tysonprop.co.za ! - 3 ' 4 "

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Maintain your home now & avoid costly repairs later...

Source Private Property

Small maintenance jobs that are not done can result in major issues that will cost you a lot more in the long run. Here are 5 jobs you should tackle now.

an infestation of mould and damage to paint work in the home. Warning signs that there could be a problem include bubbling paint and marks on the wall or dripping noises when it rains. Check and replace loose tiles and cracked flashing. If you suspect a leak, check the ceiling space for damp or mould and call in the necessary experts.

Thereâ&#x20AC;&#x2122;s far more to owning a home than simply making bond repayments and paying rates and taxes. Homes need to be maintained mainly because if left, the small repair transforms into a major job Keep your that wonâ&#x20AC;&#x2122;t only be more tricky to fix, it will probably end up costing a lot more as gutters clean well. Inspect and Itâ&#x20AC;&#x2122;s also important to remember that there clean out your could be hiccups with an insurance claim gutters on a regular basis, if it is found that damage was caused or particularly in exacerbated by a lack of maintenance. the autumn This is one of the reasons that itâ&#x20AC;&#x2122;s months when imperative to keep an eye on things and leaves are attend to problems as they occur. Itâ&#x20AC;&#x2122;s generally more of a problem. There are a therefore advisable to inspect the home whole host of issues surrounding at regular intervals in order to ascertain guttering including the cost of what needs to be done. replacement if they warp or crack. If left, gutter blockages can cause rainwater to Check your roof regularly run down the side of the home pooling at Experts suggest inspecting the roof every the bottom which, if serious enough, could undermine the foundations of the six months to ensure there are no leaks due to broken or cracked tiles. Ignoring a property. leak can lead to all sorts of problems including structural damage to the beams,

Get to the root of the problem

Trees, or more aptly the roots of trees, can cause endless headaches. Check the paving and driveways on an ongoing basis for any signs of lifting. Roots can also invade underground pipes, so call in a plumber to check the sewerage pipes if you suspect that roots may be interfering with the system. Consider removing the offending tree and replacing it with something less invasive if thereâ&#x20AC;&#x2122;s evidence of a problem. Clear up insect infestations Regularly check for insect infestations. Insects such as borer or termites can cause extensive damage to your home. According to the Rentokill website there are only three species of termites in South Africa that will cause structural damage namely; Coptotermes, Cryptotermes which both attack wood

and Neotermes which have been known to damage thatch roofs. The good news is that termites donâ&#x20AC;&#x2122;t keep things down when they are chomping away at the woodwork and homeowners who regularly hear clicking from inside the walls could have a problem. Likewise, flying ants and â&#x20AC;&#x2DC;white antsâ&#x20AC;&#x2122; should alert the homeowner to the fact that they may have a termite infestation. Just for the record, loud music causes termites to speed up the pace and itâ&#x20AC;&#x2122;s been proven they chew faster when music is played. Borer can cause a terrific amount of damage if left unchecked. Keep a close eye on things such as wooden floorboards, window frames, roofing struts and furniture to ensure the home remains free from this destructive little pest. Signs to look out for include holes in the wood, piles of fine sawdust near to the affected item and dead beetles. Check your plumbing Clean out the drains in your home on a regular basis, removing grease buildups before they become an issue. Check the plumbing if toilets become blocked on a regular basis because this could indicate a problem with the pipes which could, if left, lead to expensive repairs at a later stage.

Colin Rodger

EXCLUSIVE MANDATES

HAYFIELDS MALL 082 784 3123

033 386 6623 ON SHOW SUN 2:30-4:30 PM

SECURE MKAMBA GARDENS R849 000

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 Pick nâ&#x20AC;&#x2122; Pay in Blackburrow Road. Follow Arrows from the corner of Hesketh Dr and Blackburrow Rd.

Landlords and tenants. Call us TODAY!

A 5 star elevated unit with superb southerly views . 2 good sized bedrooms (ample bicâ&#x20AC;&#x2122;s) a very modern open plan fitted kitchen with oven/hob, tasteful full bathroom and a large lounge leading onto the covered patio. Fully fenced, gated and with an extended garage. Offered under mini-sub (not sectional title) Low levy and reasonable rates.

RentalsDOTcom First Choice 033 394 0789

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

ROSEWOOD RETIREMENT ESTATE

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

Lew Geffen Sothebyâ&#x20AC;&#x2122;s

$'.(146

INTERNATIONAL REALTY

ROSEWOOD ESTATE

HAYFIELDS

,00$&8/$7( )8// )$&( %5,&. 67811(5 ON SHOW SUNDAY 2.30-5 PM R450 000. ONE OF THE BEST IN THE COMPLEX! Donâ&#x20AC;&#x2122;t miss this opportunity to own an immaculate 1st floor unit close to the dining hall offering a large bedroom, full bathroom, fitted kitchen, sunny lounge and lovely covered patio. Boards at 70 Loop St. Shirley Duigan 082 633 8766.

R1 050 000. A PERFECT FIND! Call me today to view this immaculate unit in a secure complex offering 2 bedrooms, 2 bathrooms, beautiful open plan kitchen, lovely lounge leading onto covered patio, small garden + garage. Pets with permission. Shirley Duigan 082 633 8766.

Pietermaritzburg i - Realty 033 396 2778 â&#x20AC;˘ gregandshirley@sothebysrealty.co.za Each Office is Independantly Owned and Operated

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Are you financially prepared to own a home? Source Private Property

Thinking of buying a home? Before approaching your bank for finance, consider these questions to determine if youâ&#x20AC;&#x2122;re financially prepared for homeownership.

He provides a few financial questions that you should answer before approaching your bank for finance: What is my credit score?

A favourable credit score and clean credit record is a valuable asset when applying for a home loan. Each year consumers can obtain a free credit report from the credit bureaus within the country to assess their finance position. Goslett says that it is Since the National Credit Act came into effect, prospective homebuyers have been advisable for you to know your credit score and check your credit record for any required to have their financial affairs in order before they apply for a bond. While inaccuracies. â&#x20AC;&#x153;Any missed or slow banks have become slightly less stringent payment will have a negative impact on a consumerâ&#x20AC;&#x2122;s credit score. However, it is since the act's inception, financial also important to be mindful of the less institutions are likely to tighten up their obvious credit infractions such as opening lending criteria in 2017 and bond too many accounts, numerous credit applicants will be put through their financial paces before being approved for enquiries, co-signing for a third party or only paying the minimum required a home loan, says Adrian Goslett, Regional Director and CEO of RE/MAX of payment. All of these things will impair your records and could scare off lenders,â&#x20AC;? Southern Africa. Goslett explains. â&#x20AC;&#x153;If you have made the resolution of What is my annual income? purchasing a home during 2017, you will need to ensure that you have assessed As a potential homebuyer, the maximum your financial situation and answered a bond amount that you can qualify for is few pertinent questions before approaching your bank for bond approval. based on your annual income, so be sure to include any bonuses or annual Currently, only around 65% of first-time investment returns when making this buyer bond applications are approved, which highlights the importance of being calculation. Your annual tax return financially prepared before applying,â&#x20AC;? says documentation will assist in determining your actual yearly income. Goslett.

How much debt do I have? Another major consideration that banks take into account when determining the home loan amount they are willing to grant is the applicantâ&#x20AC;&#x2122;s amount of disposable income. â&#x20AC;&#x153;To increase the disposable income you have available, get rid of or pay down debt as much as possible. Lenders will require you to provide them with all the debt you currently have to work out a debt-to-income ratio, which will be used as a tool to determine your level of affordability,â&#x20AC;? says Goslett. â&#x20AC;&#x153;Having a lower debt-to-income ratio will be highly beneficial as it will increase the chance of gaining approval for a higher bond amount.â&#x20AC;?

R90 000 â&#x20AC;&#x201C; not to mention the other costs associated with a home purchase such as transfer fees, attorney fees and bond costs. What can I afford?

In an ideal situation your monthly home payment, which includes the bond, interest, taxes and insurance should not make up more than around 30% of your income before taxes. It is impossible to get an idea of your affordability levels by using an online bond calculator or consulting with a professional financial adviser. â&#x20AC;&#x153;Even if the bank has approved a certain amount, it is not necessary to find a home at the maximum bond amount if you feel you wonâ&#x20AC;&#x2122;t be comfortable with the monthly repayment. Owning a home is a long-term investment that needs to What is my financial worth? be sustained for the term of the loan, so it Banks will want to see the documentation is advisable to purchase a property that that relates to any assets, such as vehicles, you can comfortably afford,â&#x20AC;? says Goslett. â&#x20AC;&#x153;Financial preparation is the key to investments and income-generating homeownership readiness and will make properties. Goslett says that all of these the bond application process far aspects add to an applicantâ&#x20AC;&#x2122;s nett worth smoother,â&#x20AC;? he concludes. and will have a bearing on the amount that the bank is willing to grant. What kind of deposit can I put down? According to bond origination company, BetterLife, the average cash deposit required by first-time buyers is 12.3% of the purchase price of the property. Based on the average home price paid by first-time buyers of R739 000, that equates to a cash amount of around

Parking in my Sectional Title Scheme...

areas on the common property the developer must, when he applies for the registration of the scheme in the Deeds Office, impose a condition by which the right is conferred upon the owner of the section and he will cede the right to the owner When it comes to parking bays in a sectional title scheme it is important to keep in mind the type of ownership that one has in by the registration of a unilateral notarial deed. If no reservation was made by the developer and the body a sectional title scheme. Firstly, you will have full ownership of corporate has not been established the registrar may issue a your section that you purchased. Secondly, you will have an undivided share in the common property of the scheme. Thirdly, certificate of real right to exclusive use. but not in all schemes, you may have a right to an exclusive use After registration area such as a parking bay or a garden area. This does not imply full ownership, but a mere right to use part of the common property with the exclusion of the other owners. It is important This phase starts the moment any person other than the developer becomes owner of a unit in the scheme and the to remember that exclusive use areas are still part of the body corporate is established. The developer of the body common property of the scheme and therefore any final decision pertaining to that specific part of the common property corporate may make management or conduct rules which confer rights of exclusive use and enjoyment of parts of the rests with the body corporate of the scheme. common property upon members of the body corporate. Considering the densification of South African cities and the The owner or occupier of a section must not (except in the case These rules must include a layout plan on which it clearly increasing percentage of people with cars, it is no wonder that of an emergency) without the written consent of the trustee of indicates the locality of the exclusive use areas (eg. parking bays); the purposes for which such areas may be used and owners and occupiers of sections in sectional titles schemes the scheme park a vehicle, allow a vehicle to stand or permit a include a schedule indicating to which owner such an area is often struggle with a lack of parking space. visitor to park or stand a vehicle on any part of the common allocated to. property other than a parking bay allocated to that unit or a Owners often buy a unit in the scheme “with a parking bay” parking bay allocated for visitors’ parking, which consent must Identified as such in the deed of sale. However, this does not indicate for how long the consent was given. The process to be The owner of the right to exclusive use will have the mean that the buyer owns the parking bay. A parking bay can followed with regards to who decides on parking bays and who responsibility to maintain the parking bay allocated to him in a good state. Should the owner of the right refuse or fail to do so only be owned exclusively by an owner if it is marked as a uses it can mainly be divided despite written notice to him, the body corporate may effect section on the scheme’s sectional plan and appears on the in two phases: the necessary maintenance or repairs and claim the cost from Sectional Title Deed in the purchaser’s name. that specific owner where the failure threatens the stability of Before registration the common property, safety of a building or materially More usually, parking bays are common property (owned by all owners of sections in undivided shares) but are either subject to This is the phase where the developer is in the process of laying prejudices the interest of the body corporate. In the case of an lease agreements in favour of particular owners or to exclusive out the scheme and registering the scheme in the Deeds Office. emergency no such notice needs to be given. The body When the sectional plan refers to the reservation of exclusive use corporate may also request the owner of the right, whether or use rights conferred on particular owners. not such right is registered or conferred by the rules, to make A parking bay can be subject to either additional contributions (participation quote will be amended one of two types of exclusive use rights: in order to determine the monthly levy that will be payable) to the fund for administrating that part of the common property. 1. Firstly and more formally, the parking bay can be depicted as an exclusive use area on the scheme’s sectional plan, and the exclusive use right is then ceded to a particular owner by a notarial deed of cession.

We often categorise the issues we experience in sectional title schemes as the “three ‘P’s’ of sectional title living”, namely PETS, PARKING AND PEOPLE, which are more often than not, the cause of all the problems in sectional title schemes. Although this list has been added to over time, the abovementioned three issues remain the favourites.

scheme (either a management rule by unanimous resolution or a conduct rule by special resolution).

By: Narisha Rahim-Harry

2. Secondly and more informally, the parking bay can be made subject to exclusive use rights in favour of the owner of a particular section from time to time in terms of the rules of the

Candidate Attorney | Litigation 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

Next weekâ&#x20AC;&#x2122;s edition of KZN Property Pages marks our 2 Year Anniversary as well as our 100th Edition. With the support of our Printers, Paarl Media, and our Distribution Partners, The Witness, we have been able to reduce our costs for next weeks edition. We are planning a bumper edition for Saturday, 7 October 2017 and would love for you to be apart of it! Contact Bellinda - bellinda@blackincmedia.co.za or call us on 033 811 5189 for a fabulous offer.