KZN Property Pages - 15 September 2018 by KZN Property Pages

RESIDENTIAL LETTING COMMERCIAL Your Leading Property Guide

A BL ACK INC MEDIA PUBLICATION

15 September 2018

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2pm Monday prior

Can you qualify for a home loan on a single income? Being on the market is never easy. With so many options that seem out of your reach, it can be easy to give in to despair and allow yourself to think you’ll never find your perfect match. But, if you stay focused, you won’t be on the market for long – well, at least not when it comes to property.

grant instant access to a home loan. To qualify at most financial institutions, the main applicant will need to have a life insurance policy, with some institutions even going so far as to specify additional disability cover. Admittedly, this additional monthly expense is a frustrating drain on a single income household, especially if you don’t have any dependants to provide for after your untimely death. But, banks need these policies as surety that the outstanding amount will be paid no matter what may happen during the lending term. Single income buyers will need to bite the bullet on this one and factor in this “Many believe that owning property on a additional monthly expense when budgeting for single income just is not possible. But, the over their home loan.” 40,000 single females and over 35,000 single males who have already purchased property Less is also more across South Africa this year will beg to differ,” “One should always remember to count one’s says Adrian Goslett, Regional Director and blessing and not one’s losses. The truth is that, CEO of RE/MAX of Southern Africa. unless you have children, while you may only While it might be trickier to qualify for the necessary financing on just one salary, there are many who have been able to think up a solution to make it happen. Below are some of Goslett’s suggestions for how to work around the challenges of owning property on a single income: Two is still better than one “Admittedly, it can be tricky to qualify for a home loan on a single salary, especially if you’re looking at houses over the R1 million price point. If you’re struggling to acquire the necessary financing, ask a relative or close friend to sign as surety for you. This allows you to take out a loan based on their credit score. However, you need to explain that the banks will come knocking on their door should you ever fall short on payment, so be sure to apply only for amounts you can afford.” Don’t get stuck in red tape “Many first-time buyers are unaware that simply having the available funds does not

have one income to cover all your expenses, you also only have one mouth to feed, one body to clothe and one person to entertain. Your income may total a lower amount, but so will your expenses. And, without a partner to consider, the only person you may hold responsible for a lack of savings is yourself. Make the most of your situation by saving up for a sizable deposit which can help you qualify for your home loan.” “It is true that owning property on a single income comes with its difficulties. But, the same can just as easily be said for owning property on a dual income, with questions like ‘How do we weight the payments?’ and ‘How do we split the property if the marriage fails?’ instantly springing to mind. The truth is that purchasing real estate always comes with a few challenges that homeowners, whether single or married, will have to work around. However, the long-term benefits of financial security are well worth the troubles you might face at the start of any home-buying process,” Goslett concludes. Source: My Property

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Jacana Eco Estate, surrounded by lush natural greenery with generous landscaping and conveniently situated in the centre of Hilton – the gateway to the Kwa-Zulu Natal Midlands. A secure estate with fully electrified perimeter fencing, manned access control and armed response for secure living and peace of mind. Choose a 2 or 3 bedroom home, designed for easy living. Open plan lounge, dining room and kitchen with a separate scullery that leads out into an enclosed courtyard. A covered veranda features a built-in braai and counter area and flows out onto a balau timber deck and private garden space. Neutral external finishes enhance and blend in with the natural surroundings while the greatest amount of effort and energy has been put into choosing the highest quality, modern internal finishing options. Internal finishes can be handpicked with the help of a professional designer who is part of the development team and sales package.

Jacana Eco Estate - A rare and unique lifestyle opportunity, limited homes available.

www.jacanaecoestate.co.za

SHOW DAY Saturday, 15 September 2018 Sunday, 16 September 2018

9AM – 4PM Central to Hilton | 23 Hayﬁelds Road, Hilton

1967 - 2017

EST. 1967 / PROUDLY MARITZBURG

MONTROSE

LINCOLN MEADE

R2 790 000

MONTROSE

R1 475 000

HAYFIELDS

R1 299 000

NPC

ON SHOW 2.30-5

R1 280 000

MONTROSE

R4 900 000

OAK PARK

R2 995 000

R1 395 000

CHASE VALLEY

R1 290 000

CLARENDON

R1 325 000

A SECURE GATED ESTATE

3 Beds / 2 Baths / 1 Garage / Study Web 2883629 This lovely home with pleasant views is set in a fully fenced garden & features a covered entertainment patio with built-in braai & bar, overlooking a private pool area. The unit is tiled throughout & features an open-plan kitchen with UCO/ Hob, air-conditioning & a front verandah. Jessica Campbell 084 510 0808 | jessica@natalproperty.co.za

BOUGHTON

R1 550 000

HILTON GARDENS

CHASE VALLEY HEIGHTS

R1 250 000

CHASEDENE

460 Town Bush Road

R760 000

1967 - 2017

EST. 1967 / PROUDLY MARITZBURG

HAYFIELDS

R1 300 000

HAYFIELDS

R850 000

CENTRAL

SCOTTSVILLE

HAYFIELDS

R1 250 000

LINCOLN MEADE

R1 180 000

CLARENDON

R850 000

LINCOLN MEADE

R695 000

LINCOLN MEADE

R640 000

PELHAM

R950 000

R585 000

CENTRAL

R575 000

CENTRAL

R475 000

CENTRAL

R375 000

R340 000

PANORAMA GARDENS R595 000

COPESVILLE

R370 000

PANORAMA GARDENS R380 000

460 Town Bush Road

90 Roberts Road, Clarendon, Pietermaritzburg & Midlands Tel: 033 345 1939 Tina Henman 083 560 0160 Cobus Lange 076 993 4855

LINCOLN MEADE

R1 395 000 LINCOLN MEADE

ON SHOW SUN 3-4:30PM COMFORTABLE FAMILY HOME!

You will appreciate the space this home offers with 2 lounges, 4 double size bedrooms, 2 bathrooms, garage, outside change room/shower for pool, domestic bathroom and pool on +/- 1800sqm of land. ON SHOW SUN 3-4:30PM Boards down Grimthorpe Avenue.

NORTHDALE

JUST MOVE IN!

R595 000 CHASEVALLEY

Neat, tiled 2 bedroom(bics) home with a fitted kitchen, a big carport for 4 vehicles and remote access.

GREAT VIEW!

Fax: 086 558 7707

tina@haloprop.co.za

cobus@haloprop.co.za

R720 000 PELHAM

R595 000

ON SHOW SUN 2-5PM LIKE BRAND NEW!

GREAT STARTER APARTMENT!

An exceptional neat corner simplex with 3 bedrooms, tiled A must view to appreciate this lovely unit with lounge dining room to fitted kitchen. A big garden and a carport. open plan living space to an upstairs bedroom & ON SHOW SUN 2-5PM Boards down Grimthorpe Avenue. bathroom. 24hr access & communal pool.

R670 000 SAKABULA GOLF ESTATE R1 100 000

Open plan tiled living area to fitted kitchen, 2 bedrooms, full bathroom and carport. 24hr access controlled and communal pool.

LAND R 1 100 000

Build your dream home on this flat piece of land of 2.2ha in this lovely secure golf estate.

CENTRAL FLATS

GREAT BLOCK

You could qualify for a government subsidy. R 320 000 50sqm - Bachelor R 370 000 67 sqm - 1 Bedroom

www.haloprop.co.za

Harcourts 033

@harcourts.co.za

ON SHOW SATURDAY 11:30am-1:30pm ON SHOW SATURDAY 2:30pm-4:30pm

ON SHOW SUNDAY

HILTON CENTRAL - NEWLY LISTED R1 875 000

HILTON CENTRAL WITH THE WOW FACTOR R2 400 000

THE GATES

This character home is North facing, has loads of space for the family and enormous potential for a business from home. The home has been totally refurbished – new kitchen, new bathrooms, total repaint and tiled. You just have to move in.

A North facing modern family home, open plan living which opens onto the veranda and pool area, a formal dining area and a large pub/games room. There is also a ‘Star Gazers’ area at roof height. Private, excellent address and easy access to the local schools and the Hilton village and a serious seller......

Follow boards from the Shell Garage into Hilton Ave into Azalea and Flamingo Drive.

ON SHOW SATURDAY 11.30am – 1.30pm | WEB REF: KHT34283 BARBARA ROGERS - C 082 802 5956 | T 033 343 3345 E: barbara.rogers@harcourts.co.za

ON SHOW SUNDAY

Follow boards from Crossways along Cedara Rd to Vlei Rd. ON SHOW SATURDAY 2.30 – 4.30pm | WEB REF: KHT33838 BARBARA ROGERS - C 082 802 5956 | T 033 343 3345 E: barbara.rogers@harcourts.co.za

ON SHOW SUNDAY

R6 250 000 NORTHERN PARK

The Gates of Hilton has all the benefits of country living yet is close enough to all the amenities Hilton Village has to offer. Direct from the Developer and with no transfer duty payable this brand new home is now ready to be occupied. Double volume living areas, all the bedrooms en-suite and luxury finishes. There is a private and self contained flat and staff accommodation or 5th bedroom. Follow boards from Grace College. ON SHOW SUNDAY 2.30 – 4.30pm | WEB REF: KHT34398

Just listed and priced to sell. A well fitted kitchen with granite tops and good size rooms throughout. In addition to the double garage and double carport there is a spacious flat. The position is excellent with a short walk to Greys Hospital, Northern Park school and the Liberty Mall.

BRIAN WILKES - C 082 417 6166 | T 033 343 3345 E: brian.wilkes@harcourts.co.za

ON SHOW SUNDAY

HAYFIELDS - NEW TO THE MARKET R795 000 SECURE COMPLEX IN CHASE VALLEY R999 000 EPWORTH RENOVATED GEM R1 295 000 2 Beds | 2 Baths | 1 Lounge | 1 Dining | 2 Garages

3 Beds | 1 Bath | 1 Lounge | 1 Dining | 1 Garage

Nestled in as small, secure gated estate in Hayfields, this loved and cherished home is perfect as a starter home or for the folk wanting to downsize. You will be inspired to entertain on the private back veranda for afternoon teas or a family gathering, and will enjoy the privacy, space and all this complex has to offer. Conveniently close to Hayfields schools, shopping and easy access to the N3. Follow boards from Hesketh Drive. ON SHOW SUNDAY 2.30 – 4.30pm | WEB REF: KHT34433

This unit is set in a peaceful and safe mini-sub complex. Great position for a short walk to the schools and to the Liberty mall. Ideally suited for a young couple, or for those folks wanting to downsize.

This spacious home has so much to offer! With 3 newly renovated bedrooms and a neat 1 bedroom cottage, this is a great buy! Well secured and fully palisade fenced, just move in and enjoy.

SHIRLEY STEPHENSON - 083 292 0599 | T 033 343 3345 E: shirley.stephenson@harcourts.co.za

HAYFIELDS

R2 990 000

NJABULO GULE - C 073 725 1707 | T 033 343 3345 E: njabulo.gule@harcourts.co.za

NOTTINGHAM ROAD

R2 800 000

Substantial home at a prominent address in Hayfields. With 5 bedrooms and 4.5 bathrooms this home is ideal for the larger family, alternatively for the option of additional rental income. Set on level ground with a sunny veranda overlooking the swimming pool and landscaped garden.

A Lovely neat and tidy home close to schools and village centre. Three bedrooms, two en-suites with open plan living, flowing from kitchen to lounge/dining and covered verandah. Newly carpeted, manicured garden with pool. Fully walled with electric gate access.

VIEW BY APPOINTMENT | WEB REF: KHT34424

VIEW BY APPOINTMENT | WEB REF: KNH3852

ANDREW SNYMAN - C 083 387 7579 | T 033 343 3345 E: andrew.snyman@harcourts.co.za

CRESTHAVEN

R1 999 000

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

This character filled, much loved home in Cresthaven Estate, overlooking Cedara Agricultural College. Great attention to detail with artisanal fittings and a quirky flair throughout. Entertaining will be a breeze in this well renowned executive chefs’ kitchen (personally designed loose fitting solid Milestone kitchen cabinets) with top of the range Smeg appliances and stunning (one of a kind) sideboard included. A separate scullery. 3 Bedrooms - main bedroom with en suite, 2 other bedrooms with a Jack and Gill style family bathroom. Here is your chance, as a small family starting out or an older family scaling down, to move into a secure, gated estate with top notch security.

VIEW BY APPOINTMENT | WEB REF: KHT34279

TRACY SUMMERTON - C 079 438 8059 | T 033 343 3345 E: tracy.summerton@harcourts.co.za

.co.za

ROGER NEVIN - C 082 555 3995 | T 033 343 3345 roger.nevin@harcourts.co.za

JANE LAIT- C 072 107 1748 | T 033 343 3345 E: jane.lait@harcourts.co.za

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

BROADACRES

TRISH PARSONS - C 082 904 3157 | T 033 343 3345 E:trish.parsons@harcourts.co.za

R4 795 000

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

Live in a quiet, secure estate in Broadacres in Merrivale Heights. This garden will be on display in the upcoming Open Midlands Gardens, filled with colour, pathways, water features, and its very own putting green! Inside is a spacious, tasteful family home with three large en suite bedrooms, open plan living areas and magnificent views! The carpets are brand new and the bathroom recently renovated, all creating a contemporary, relaxed style. Set within the 24 hourly manned secure and beautiful Broadacres Estate, this luxurious home offers a relaxed haven for the home loving family.

VIEW BY APPOINTMENT | WEB REF: KHT34437

TRISH PARSONS - C 082 904 3157 | T 033 343 3345 E:trish.parsons@harcourts.co.za

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

Magnificent Hilton home set on a large open garden with views across its own dam, rolling lawns and over Pietermaritzburg. Open plan kitchen and living area, swimming pool, wrap around veranda. Large three bedroom cottage, fully fenced. Perimeter is also fully electric fenced.

Welcome to this great home for a growing family, park and walk into this home with a lot to offer. Separate dining and lounge, which flows onto a covered patio and secured. The kitchen is a good size and onto the three lovely bedrooms. Two bathrooms service the bedrooms, all with plenty of storage. An inviting garden will have the family enjoying the outdoors. Private and close enough to all amenities.

VIEW BY APPOINTMENT | WEB REF: KHT34374

GLENN TITMUS - C 072 686 1412 | T 033 343 3345 E: glenn.titmus@harcourts.co.za

HILTON

R1 395 000

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

A great position in Hilton Gardens with a short walk to Grace College, Hilton Life Hospital and the new Hilton Avenues Shopping Centre. Maintenance free clinker and plenty of space to increase the size of this home and scope to have an income earning cottage. VIEW BY APPOINTMENT | WEB REF: KHT34337 BRIAN WILKES - C 082 417 6166 | T 033 343 3345 E: brian.wilkes@harcourts.co.za

4 Beds | 2.5 Baths | 1 Lounge | 1 Dining | 2 Garages

ANDREW SNYMAN - C 083 387 7579 | T 033 343 3345 E: andrew.snyman@harcourts.co.za

STYLISH MODERN LIVING AT THE GATES R5 695 000

Executive secure living awaits you in this brand new four bedroom home with a unique modern design that lends itself to laid back living and entertaining. Enjoy all the amenities such as the resident’s clubhouse, the use of the grounds on the beautiful Hilton College Estate to walk and run, hike, swim and picnic! All this is included in the Follow boards from Golf Road into Isabel Beardmore Road. levy. A magical lifestyle awaits you at the Gates....your happy place! 1.8km to the house. Follow boards from Grace College. ON SHOW SUNDAY 2.30 – 4.30pm | WEB REF: KHT34366 ON SHOW SUNDAY 2.30 – 4.30pm | WEB REF: KHT34443

HILTON HOME AND COTTAGE R2 495 000 HILTON GARDENS WINNER R1 395 000

VIEW BY APPOINTMENT | WEB REF: KHT33964

Follow boards from intersection of Northern Park School & Grey’s Hospital. ON SHOW SUNDAY 2.30 – 4.30pm | WEB REF: KHT34222 TRACY SUMMERTON - C 079 438 8059 | T 033 343 3345 E: tracy.summerton@harcourts.co.za

ON SHOW SUNDAY

Follow boards from Chase Valley Road to Connor Road. ON SHOW SUNDAY 2.30 – 4.30pm | WEB REF: KHT34383

R1 395 000

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

MONTROSE

R1 800 000

Brand new to the market - This unique 2 level home offers all the privacy you need and a large 2 bedroom flat. This flatlet could be opened up into the main house to create a massive 5 or more bedroom house - endless options available. Please call me to view by appointment. VIEW BY APPOINTMENT | WEB REF: KHT34354 MICHELLE BYRES- C 072 120 6160 | T 033 343 3345 E: michelle.byres@harcourts.co.za

Experts in home finance.

privateproperty .co.za

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

ON SHOW SUNDAY

PELHAM FLAT

ON SHOW SUNDAY

R585 000 MONTROSE SIMPLEX

ON SHOW SUNDAY

R1 195 000

CHASE VALLEY

R1 595 000

A very spacious (62sqm) flat in this very popular block with communal pool and excellent security. Open plan, well- appointed kitchen to lounge, bedroom and bathroom. Undercover parking near the unit. Good investment in a safe environment.

Best investment and good price, this lovely neat 3 bedroom fully fitted and two bathrooms, fully tiled Lounge and dining room with fitted kitchen Lovely veranda overlooking stream, quiet and secured with a lock up garage.

PRICE REDUCED. Serious seller. Don’t miss this opportunity of owning this spacious home. Situated on large land. Plentiful accommodation. Boasting 4 bedroomsand 4 bathrooms 2 of which are ensuite. Fully fitted kitchen. Inviting entertainment area with sparkling pool. Double garage plus outbuilding, domestic room and storeroom. Must be seen to be appreciated.

Follow Boards from cnr College/New Scotland Rd. ON SHOW SUNDAY 2.00 – 4.00 pm | WEB REF:KEP27635

Follow Boards from corner of Town Bush Road to Neden Road ON SHOW SUNDAY 2.30 – 4.30 pm | WEB REF:KEP28427

Follow Boards from Chase Valley Road to English Road ON SHOW SUNDAY 2.00 – 4.00 pm | WEB REF:KEP27796

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

ON SHOW SUNDAY

HAYFIELDS

LAURRA MBHELE 082 834 5068 E: laurra.mbhele@harcourts.co.za

R2 050 000 FERNCLIFFE

Situated in popular Clayton Ave, this is an inviting family home with comfortable sized rooms. There are 3 reception rooms, a study, 3 bedrooms with a nursery/sewing room and 2 bathrooms. There is also an outside guest suite. Great entertainment area overlooking the pool. Loads of outbuildings which could easily convert to a second dwelling. Well established garden.

R2 250 000

Secure unit in popular Pin Oak gardens comprising of 3 reception rooms with stack doors leading into enclosed braai area. Has 3 bedrooms, 2.5 bathrooms and study. The kitchen is fitted and has beech wood cupboards with granite tops and UCO and hob, also has separate scullery and laundry. Has double automated garage leading into the home. Complex has good security. A must to view.

HAYFIELDS

Lovely 3 bedroom, 2 bathroom home in the lovely suburb of Hayfields.Lounge, dining room and open plan kitchen. Fitted with hob, oven and breakfast nook. Separate TV lounge, Double garage, stunning garden and pool. Call me to view.

VIEW BY APPOINTMENT | WEB REF:KEP27766

VIEW BY APPOINTMENT | WEB REF:KEP27894

MONTROSE

ANJ SRIBRATH - 083 419 0919 E: anj.sribrath@harcourts.co.za

R2 975 000 ROSETTA SMALL HOLDING 21Ha R4 750 000

For the large family this property which has just come onto the market has it all! A spacious 5 bedroom home with a granny flat. North facing private views and covered entertaining area with Jacuzzi and Swimming Pool. A well- equipped self - contained flat for Gran or extra rental income. VIEW BY APPOINTMENT | WEB REF:KEP28392 CINDY JOHNSTON - 083 564 2020 E: cindy.johnston@harcourts.co.za

IRENE COOK - 072 483 9505 E: irene.cook@harcourts.co.za

JULIE CHETTY - 084 622 0288 E: julie.chetty@harcourts.co.za

WEMBLEY

R2 950 000

Parklike surrounds in a Quiet Cul De Sac!! 4 Reception rooms, 3 big bedrooms, 2 bathrooms ++++. A huge guest suite + (mes). There is a lovely private pool and entertainment area, storeroom and 2 domestic rooms. Potential flatlet / B&B. must view to APPRECIATE!!

This comfortable home offers family living at it’s best. The home has 3 bedrooms,a study, a lovely open plan living area with a cosy fireplace, 2 garages and a carport all overlooking a dam. It has excellent security as well as generator and JoJo Tanks. There is a 2 bedroom cottage which can be used to generate income. It is suitable for livestock or crop farming with a large shed, irrigation systems, cattle handling facilities and so much more that needs to be seen to be appreciated. Call us for an exclusive viewing. VIEW BY APPOINTMENT | WEB REF:KEP27845 VAUGHN LINDEN - 082 441 8085 E: v.linden@harcourts.co.za

ORIENT HEIGHTS HOME R680 000 Negotiable

3 Bedroom home fitted, lounge and fitted kitchen with stove and oven, fully tiled. One full bathroom. Lock up garage that is easy to extend to park 4 cars. Fully secured and lovely area, good investment.

Follow Boards from Athlone Robots, Armstrong Dr to Villa Assumpta Place. VIEW BY APPOINTMENT | WEB REF:KEP27288 ON SHOW SUNDAY 2.30 – 4.30 pm ALBIE TIMMERMAN- 082 553 9921 E: albie.timmerman@harcourts.co.za

R1 495 000 BOUGHTON

Make this your dream home for only R950 000 Pelham 3 large bedrooms (with biscuits) 2 bathroom (mes), lounge, dining room, fully fitted kitchen ( with stove/ oven) and breakfast bar. Outside room needed attention.

LAURRA MBHELE 082 834 5068 E: laurra.mbhele@harcourts.co.za

R1 995 000

ON SHOW SUNDAY

Follow Boards from Hayfields Mall or Hesketh/Blackburrow traffic lights. Follow Boards from Town Bush road to Warwick road. ON SHOW SUNDAY 2.30 – 4.30 pm | WEB REF:KEP27852 ON SHOW SUNDAY 2.00 – 4.00 pm | WEB REF:KEP27989 FIONA PATRICK - 082 553 7810 GLERYL DE RAUVILLE - 083 286 5758 E: fiona.patrick@harcourts.co.za E: gleryl.dr@harcourts.co.za

PELHAM /SCOTTSVILLE

ATHLONE

An old Maritzburg character red brick so tastefully modernized, close to the CBD and all other amenities but situated in a quiet peaceful road. The cosy entertainment area with fireplace overlooks the pool in the private back yard. The home has 3 bedrooms, 2 bathrooms, 2 lounges, 2 entertainment areas, a modern kitchen with 2 UCO’s plus hob and a separate office/ potential flatlet. It is immaculate and has good flow. Follow Boards from corner of Howick Road & Melbourne Avenue ON SHOW SUNDAY 2.30 – 4.30 pm | WEB REF:KEP28278

R1 550 000

Brand new Sole Mandate!!This immaculate property has to be seento be appreciated. Some if it’s features are 4 bedrooms, 3 bathrooms, 2 lounges, 5 star kitchen with undercounter oven and hob,2 outside decks, laundry, double garage, double carport, swimming pool and more. This lovely home is for the perfectionist who wants to just move in enjoy the exquisite views. All this and more.

VIEW BY APPOINTMENT | WEB REF:KEP28349

MIKE WEBBER - 082 490 9241 E: mike.webber@harcourts.co.za

VICTORIA COUNTRY CLUB ESTATE R4 950 000

PEARL LUTHULI - 082 642 3567 E: pearl.luthuli@harcourts.co.za

ATHLONE

R2 150 000

Fantastic location and newly renovated, this home has so much to offer. Boasting open plan living areas with screed flooring making it ideal for entertaining.The well appointed kitchen features an uco and hob and a unique centre island perfect for family gatherings. Both the lounge and kitchen open onto a cosy verandah with fitted blinds and a pizza oven. The bedrooms are positioned away from the living areas. The main bedroom is en-suite and the other 2 bedrooms are served by a family bathroom. Extras include a 1 bedroom cottage, double garage, sparkling pool and established garden.In a prime location and close to all amenities, this home is a must view.

VIEW BY APPOINTMENT | WEB REF:KEP28384

CINDY JOHNSTON - 083 564 2020 E: cindy.johnston@harcourts.co.za

ATHLONE

R1 300 000

Large family home within Pietermaritzburg’s nicest golf estate.Comprises 3 large bedrooms (all Mes) and study or 4 bedrooms. Split level with 2 balconies and 2 verandahs. Stunning views, 3 garages, separate laundry and domestic change room. Approximately 500sqm of building. Must view to appreciate!!

HOME OFFICE OPPORTUNITY !! Situated a stone’s throw away from town, near the show grounds, is this 3 bedroom, 2 bathroom home with dining room, lounge with fireplace, kitchen with pantry and store room. This property offers a great opportunity for consent use or rezoning. Call me to view.

VIEW BY APPOINTMENT | WEB REF:KEP28429

VIEW BY APPOINTMENT | WEB REF:KEP28394

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

ANJ SRIBRATH - 083 419 0919 E: anj.sribrath@harcourts.co.za

harcourtspatrickandco.co.za

Colin Rodger

EXCLUSIVE MANDATES

HAYFIELDS MALL 082 784 3123

033 386 6623

ON SHOW SUN 2:30-4 :30 PM

SPIC AND SPAN IN CLELAND R1 200 000

HAYFIELDS - EXTENDED FAMILY HOME R1 975 000 A solid Collins built home comprising 3 large bedrooms , 2 bathrooms, entrance hall, a good sized lounge, separate dining room and a very reasonable kitchen PLUS an entertainment area off the glorious pool area which consists of a snooker/utility room, kitchenette, bathroom and large pub (ideal flat conversion) PLUS a separate 45sq m self-contained flat. 4 garages, 6 carports and 2 entrances to the property. ROSEWOOD GARDEN UNIT R375 000 New arrival this week! A ground floor unit with a covered veranda and a garden. 1 bedroom, full bathroom, good sized lounge and a lovely solid oak fitted kitchen.

Absolutely immaculate throughout this lovely family home with entrance hall, a good sized lounge with sliding doors leading onto JACARANDA LODGE R295 000 the patio and pool area. The 3 bedrooms (all with ample built in This 1 bedroomed south facing 3rd floor unit cupboards) are of yester-year proportions, the en-suite and the full family bathrooms are well presented and the kitchen roomy available right now. Fitted kitchen open plan to a and fitted for convenience. Garaging, maids accommodation, lounge, bedroom and bathroom. Many enhanced security measures now in place. pool and a perfectly level 2276 sq. metre erf. Follow the Arrows from the Mkondeni Shopping centre traffic lights to Lynroy Ave

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

You need a ‘big picture’ budget for home ownership How much the bank will lend you is not the only thing to consider when you’re applying for a home loan.

budget a monthly amount to maintain your home and garden if you have one. As a home buyer, says Rudi Botha, “Many CEO of BetterBond, SA’s biggest people don’t bond originator*, you also need to know this but budget for the ongoing costs of keeping the property ownership, and ensure that you will be able to afford these as well property in a reasonable as your monthly bond repayment. state of repair is “For example, once you take actually a occupation of the property, you will be liable to pay for services like water condition of and electricity, and once the property most home loan agreements. And in has been transferred into your name, any case, the long-term financial consequences of neglect are usually you will also have to pay municipal greater than the costs of regular rates. maintenance.” “Failure to pay these amounts could There can also be substantial lead to legal action and even to the property being sold to clear the debt. insurance costs associated with home ownership, notes Botha. “Financial So before you commit to a property institutions usually insist, for example, purchase, you should find out what that the property itself is insured at the seller has been paying for replacement value - that is the amount municipal services and rates for the past year, and build this cost into your it would cost to rebuild should it be destroyed by fire, flood or other monthly budget.” disaster. In addition, he says, you should

disability. This is known as bond insurance and premiums are generally payable monthly.

“This is known as homeowners' insurance (HOC) and most buyers just allow the premium to be debited annually to their bond account. However, paying the premium separately when it falls due can save thousands on the eventual purchase price of a home and buyers should also consider setting aside a monthly amount towards this.” Your lender may also insist, he says, that you take out life insurance to cover the balance owing on your bond in the event of death or permanent

“And finally, it is advisable as a home owner to have short-term insurance that covers you for the loss of any of the contents of your home due to disaster or crime. Many people also elect to pay monthly for the services of a security company or make a monthly contribution to a neighbourhood watch programme.” Taken all together, these additional costs of home ownership can amount to almost as much as your monthly bond repayment, says Botha, and may in fact mean that you have to revise your ideas about what sort of property to buy. “However, as a responsible originator, we strongly believe in prospective buyers applying for loans that they will be able to afford without financial strain - and buying a less expensive home is certainly a lot less difficult than losing a more expensive one – as well as one's credit rating - for the lack of proper budgeting at the time of purchase.”

Source: My Property

Deceased estate transfer process In a lot of cases concerning a deceased’s estate, attorneys find that the heirs, surviving spouse or family of the deceased seek to transfer the deceased’s property, however the deceased’s estate has not yet been reported to the Master of the High Court (Master’s Office). Should the estate have not been reported, the attorney must arrange to meet with the heirs/surviving spouse/family in order to complete the reporting documents for the appointment of an executor to be made at the Master’s Office. Once an executor has been appointed, the Letters of Executorship (LOE) have been issued and the solvency of the estate has been ascertained, the heirs/surviving spouse must decide if they would like to keep the property or sell out of the estate to an independent party. This article will focus on transfers to heirs, and similarly to surviving spouses.

the Master’s Office that the L&D account has been accepted, the transfer process begins immediately: STEP 1: • Request title deed and bond cancellation figures on the deceased’s existing bond. Once cancellation figures are issued by the Bank the bond account will be placed on hold; • Request rates clearance figures from the Local Authority (municipality). No transfer can be effected until the Registrar of Deeds is satisfied that the rates and taxes have been discharged. STEP 2: • Obtain details of the financial institution and the bond registration attorneys from the heirs upon confirmation of the bond approval; • Levy clearance figures are requested from the Homeowners Association or Body Corporate (in the case of a sectional title); • When the bond is granted and electronic instructions are sent to the bond attorneys, guarantees are requested from the bond attorneys to cancel the deceased’s existing bond over the property.

STEP 3: • Transfer documents are then drafted by the If the property is to be transferred to the heirs or conveyancer; surviving spouse: • an appointment with the executor and the heirs - Should the property be bonded and there is will then be made in order to have the transfer documents signed, life-cover over the bond: the settlement of the bond is immediately attended to. Once the bond has been settled, bond cancellation • The bond attorneys will arrange an appointment instructions are issued to the bond institution with the heirs to sign the bond documents; immediately. - Should the property be bonded and there is • The estate does not have to furnish electrical and entomologist certificates. no life-cover: The heirs are to make application for a bond immediately after the estate STEP 4: has been reported in order to ensure that • Once the guarantees are received, they are delivthey qualify to “take over” the existing bond. ered to the bond cancellation attorneys to obtain This is in the case where the bond is not settled by way of a cash payment or sold out the Bank’s consent for the bond to be cancelled; of the estate. • Transfer duty is exempt where the cause of transfer - The Liquidation and Distribution (L&D) is an inheritance from a deceased estate; account must be submitted to the Master’s Office for acceptance within 6 months from • Payment is made to the municipality as per the date of issue of the LOE. rates clearance figures and a rates clearance certifi- Once confirmation has been received from

cate is issued. The municipality takes between 7-10 working days to issue the certificate, but in some cases this may take longer and is usually the cause of delays in transfers; STEP 5: • Upon receipt of the transfer duty exemption and rates (or levy) clearance certificate, the heirs’ bond registration and the deceased’s bond cancellation attorneys arrange for their respective documents to be simultaneously lodged in the Deeds Office for registration of the transfer; • Once all three attorney firms have lodged their respective matters in the Deeds Office, all the documents are examined by the Examiners at the Deeds Office. • If all the documents are in order the matter will be on prep. This means that the next day the matter will be registered at the Deeds Office provided all attorneys involved have all their requirements in order. If not, the attorneys can hold over the matter and register after 5 working days giving them time to obtain their outstanding requirements. • On the day of registration all conveyancers involved will go to the Deeds Office and sign their respective deeds. This is when registration occurs, making the heirs/surviving spouse the new owner(s) of the property sold. • The time-frame from lodgement to registration at the Deeds Office takes between 6-10 working days, provided there are no queries raised on the documents; • Bank guarantees are then presented to the relevant financial institution for payment and payment effected to the deceased’s estate late bank account.

This weeks article was supplied by The Randles Attorneys Team For more information on this or any other legal related queries please contact us at professionals@randles.co.za or 033 392 8000

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