 Good evening and welcome to episode 408 of the Private Property Podcast. I'm your host Uzaman Domoakumalo. It's the last live show of the Private Property Podcast for 2021. Tomorrow's show we have tainted. We're ready and good to go and you're going to catch in on the front tomorrow evening on what promises to be one of the best shows that we have done this year. So do make sure that you are ready to set those alarms for tomorrow's show. You're going to get a snapshot of all the presenters during the show and of course some of the lucky superfans who got to certainly spend some time with us and join in on the festivities on the show. But we're wrapping up 2021 on quite a great note right here in the Private Property Podcast. And before I talk about some of what you can expect on the show, you know that of course you can watch us across different social media platforms that is on the Facebook. For those of you are watching us on Facebook, continue sending those green hearts and sending us some love. We're on Instagram, we're on YouTube, as well as of course the other social media platforms that we share, informative content on all things relating to property. I'm talking LinkedIn, TikTok, some of the platforms that we are on. And of course you can also catch our incredible other shows on our social media platforms in a single weekday at 8 p.m. What day of the week is it? I'm even losing track on what day of the week it is. So it's a Tuesday. And so as it is a Tuesday later on, I think Balunog will be wrapping up with the last show that she's also going to be having on the show. So a lot of changes are happening this festive season, as many of you know, many of us winding down. Unfortunately, there's still a few of us who are still sending kind regards emails because we haven't quite wrapped up. When I found out from you at home, are you still working or are you going to be taking some time off this festive season? Or are you one of those people who says send out all kind regards and you are just, you know, watching everybody's stories on Instagram with envy, you know, already, you know, sipping cocktails and of course the mimosa without orange juice and they're swimming pools and you also want to join in on the fun. While talking about the fun, we're of course going to tackle something that I know so many of you at home certainly want to be able to get a good sense of, especially if you're going to be buying a property in the new year. But before we get to that, where do I launch in the lucky winner later on the show of the competition that we have been running? That's the last winner for 2021 where we had been asking you around some property advice that you had picked up while watching the show and we're going to be doing that halfway through the show. Of course, the rules are still the same. If you call your name, drop us a text and the money and the money bag is all yours. I don't know what we're going to do if the winner isn't watching, you know, because we obviously won't be having a roll over. We'll see if maybe we won't give it to a lucky winner who is commenting and watching us this evening. My colleague will let me know how much we've got in the money bag. I think I'll feel festive if by the end of the show, the winner hasn't claimed the prize. Whoever sends the most comments and engages us the most this evening will take the money in the money bag. The team doesn't know this. They're probably watching and thinking, oh, my word, there she goes, giving me all the money. But that's what we're going to do this festive season. Well, this evening, we're looking at preparing to purchase a new home. And I'm going by Neil McKinnon, who's an attorney at Hammond Paul Attorneys. Neil, good evening, and thank you so much for joining us on the show. Hi, Zamaq. Good evening to you. Thank you for having me and good evening to your viewers as well. It's such a pleasure to have you on the show, Neil. First time with us, also wrapping up the year with us in 2021. And I think wrapping up the year on the topic that so many people always need a refresher on, because this is also something that, you know, is obviously going to be applicable even if you've bought a first home before. So it isn't just first time home buyers. I think those are also repeat buyers always need to touch up a little bit on some of their property knowledge and insight when it comes to buying that new home. And I think before we even get into some of the, you know, clauses one would typically find in offer to purchase. And certainly the key ones that we always have to be mindful of. Let's look at the sort of the basics of the home buying process that we always just need to know and be in mind. Because I think people still trip over, you know, the very basics. And I get, you know, DMs, calls, emails quite regularly around. This is what's happening, you know, in the process. Is this what's supposed to happen? And nine out of 10 times it's part of the process. It's very normal. It is indeed something that is meant to be happening. But of course, not everybody is aware of what even those basics fundamentally are. I mean, yeah, thanks. I think first and foremost, you know, buyers that are anticipating entering the property market and particularly first time home buyers. It's a good idea just to have a pre-approval to investigate first and foremost how much they can afford and to consider things like additional fees, like rates, levies, if they're buying in a complex and with an estate, homeowner's association and then, of course, costs and transfer duty, you know, if they're buying a property that's that's valued at more than a million rent. So, you know, buyers should just consider that to start with. Essentially, in terms of getting into the process, once the buyer has been pre-approved and they've gone to identify property that they think they can afford and they've put in an offer, they'll obviously do that through a real estate agent that would have introduced them to the property. They would have made an offer. The seller would have a certain period of time in which to accept that offer. Once the offer is accepted, the seller typically nominates an attorney and only guarded by the real estate agent in terms of which attorney to use. Of course, the seller does have his own choice. It's the seller's prerogative at the end of the day. Once the offer has been accepted and the seller has identified an attorney, that would be a channel through to a conveyancer to handle. Once it reaches the conveyancer, the conveyancer would then have a look at what are the suspensive conditions that need to be fulfilled. And the suspensive conditions would be, you know, the payment of a deposit, the sale of another property and one of the biggest suspensive conditions, of course, the obtaining of a home loan. The buyer would have a certain amount of time in which to fulfill those suspensive conditions. Once those conditions are fulfilled, the process can continue. During that period, the attorney would typically contact the seller's existing bank if there's an existing bond over the property and they would call for cancellation figures, essentially asking what is the amount required to cancel the seller's existing bond. By the time they've got those cancellation figures, hopefully the purchaser's bond or home loan would have been granted. And at that stage, they can start calling for guarantees. And the bond attorney that's appointed by the bank, if the buyer is going to be bonding with property, would communicate with the conveyancing attorney, with the transfer attorney, and request them what is their guarantee requirements. Those guarantee requirements would obviously be the amount that's required to settle the seller's bond and pay the balance of the purchase price. Once that's done, the transferring attorney would then call for clearance figures from the municipality and from the homeowners association. Those clearance figures need to be paid by the seller. They need to be paid in advance. And those are required, obviously, to carry on with the transfer process. Certificates would be required by the deeds office, clearance certificate, for rates clearances. And if there's a home loan as an association or a body corporate clearance certificate from a managing agent, that would need to be lodged with the documents. Once those clearance figures have been paid, the attorney can then prepare documents to sign with the parties. Once that's done, it can be lodged at the lead's house, in a nutshell. And Neil, I think one of the things that I appreciate is you really have painted a very comprehensive picture, a step-by-step guide, as it were, of what one would expect. And I want us to look at some of those steps that you've pointed out. But before we do that, I see that a lot that we're getting on this last live show that we're having on the private property part of my self as a mandunga kumalu. Menzi Boutelesi sending those green hearts and certainly having hashtag 20,000 comments and saying, I'll be sending kind regards until late Thursday. Ah, Menzi, you are me and I am you. I'm also going to be kind regarding until the very tail end of this week. We're happy to see Martina Malolega also sending some love for Rina, Fadima Redesadien, Sarah Matleta. We've got Umatha Shimane sitting on that last live show notes. Let's show some love to the team that has showed us a whole lot of love this year. Let's send stars to private property for all the love, spoils, and lots of prizes. And I absolutely love that comment because as much as you can see myself or on value show it's in Bali or Isti or certainly child, there's a whole team behind the scenes that does incredible work in making sure that we look great, we sound great, we bring quality guests onto the show and certainly keep the conversation going on our social media platforms. It's not just us, but certainly a whole host of other incredible team members who make this possible. Teamwork certainly does make the dream work and we've been doing that as a team and wouldn't have been able to do it. Certainly us as a presenters without the team behind the scenes who make sure that we are able to bring you these shows on a daily basis. So thank you very much to the team. I'll say my thank yous actually later on on the show when we wrap up. But I see the love and I know that Everton Glacierinda also watching and of course I want to find out from you when you're knocking off work, did you stop work last Friday? I'm very interested in the people who already stopped work last Friday and I'm still going to be working probably until the very tail end of this week. There is a possibility I might need to work next week, but I'm trying to wrap up as much as I can this end of the week so that next week I can go hiking to my heart's content and not need to be on emails at all. I want to go for a quick break. I'm going to come back. We're going to be looking at, you know, suspensive clauses because that's still one that trips people over quite a bit. We're also going to be looking at those transferring attorneys. How do how can you go about choosing them? Oftentimes, of course, it is the the seller who would appoint one. How how do you go about choosing them? Are there any things that you should look out for? And of course, going back to more of your comments and questions. But in the meantime, we're going to see who the lucky winner of the thousand rounds that is in their money bag. And if they don't pick up their hand at the end by the end of the show, I'm going to give away this thousand rounds to a lucky winner who's watching us now and who's on the comments section. So you need to be commenting until the very tail end and between the team and I will choose a lucky winner who walk away with that thousand rounds. But in the meantime, let's see who the lucky winner of the thousand rounds that is in the money bag. And that lucky winner this evening is Le Bochon Kolot. The Le Bochon Kolot are walking away with a thousand rounds in cash. I hope that Le Bochon is indeed watching us. If you are, drop us a message down below to clean your cries this evening on the private public broadcast with myself as I'm doing well. A thousand rounds up for grabs. That is the last time we're wrapping up this competition, this tail end of the year. We're going to bring you a fresh new competition in the new year. So a thousand rounds up for grabs this evening. And as we continue our conversation, looking at preparing to purchase a new home, I mean, from the station with Neil McKinnon, who's an attorney at Hammond Poll Attorneys. And we've got a question coming through from Umea Ziboutelezzi saying, please, can you start from when you, from where you buy land as they're usually no bond registration costs and lower transfer costs when buying cash. But what is the process after paying for the land? So Neil, is the process different when we buy land? So you're buying land, you're buying it in cash. So it's not a bonded property at all. So how does that? And I already know the answer to this, but how does the process then work? Is it different when you are buying land? Zama, the transfer process is exactly the same. Unless they're entering into a land sale agreement where they are buying the property in instalments, then it would be an instalment sale contract to be also registered at the Deeds office, but to preserve the land so that it could be transferred to the purchase at a later date. But essentially, the transfer process is exactly the same except there's no bond registration process. And so Neil, I just want to get that part around if it were an instalment sale agreement, would that also be registered in the Deeds office and be noted there? Or would it just be the contract between the two parties where they each have a copy of the contract? What happens is obviously the disposal of land needs to be in writing to start it. So the land sale agreement, if it's in instalments, it would have to be in writing between the parties. And what happens is the land needs to be preserved. So you need to, as a buyer, if you're paying instalments every month for that property, you want to make sure that the seller is not going to sell it to somebody else that's going to pay up front. So what would happen is that contract would need to be registered at the Deeds office so that it basically it interdicts the seller of the property because there's a contract in place. And Neil, I mean, out of similar for the benefits of our views at home, would every type of instalment sale agreement and not just that of land? So suppose you were also buying a house or apartment, would it also sort of work in a similar way where that contract is noted in the Deeds office so that no other sale could effectively go through of that particular property while the sale is in the process? Zameh, if it deals with immovable property, then yes, it would be registered at the Deeds office. Absolutely. And I think that's an important one because I'm increasingly seeing a special property investors wanting to look at instalment sale agreements as an alternative way of acquiring investment properties, especially in multiple ones. And some of them are doing an instalment sale, putting a tenant in place, knowing that they'll be able to essentially buy to using also the tenant's rental. But not everyone understands that it's not just a contract between you and the seller. And both of you have that copy because as you say, you need to be able to also so you have it registered in the Deeds office because we have unfortunately seen and luckily, so I haven't come across many instances, but there have been a few on the one hand is an instalment sale agreement and payment and you're paying on time and you're certainly honouring that aspect of the contract. And the seller suddenly wants to get somebody who wants to sell and who wants to buy the property as a cash offer and you've been servicing and certainly meeting the requirements that that are stipulated in your contract. So it becomes so crucial for views of hope to always bear that in mind. And that's why we say it's important that you get attorneys involved when you are doing a property transaction because the moment somebody says, no, I know how this works. We'll just here's, you know, here's a contract, maybe sign it and then we're good to go. Your alarm bells certainly need to be going off because you know that they're probably trying to pull one on you. Yeah, I think the whole purpose of registering the contract of the Deeds office is to preserve that that agreement between the buyer and the seller. And if the seller were to breach the agreement and now try and sell the property to somebody else, the buyer would be well entitled to approach the court for relief to interdict the sale of their property to somebody else because there's a contract in place. And as I say, that contract has to be registered of the Deeds office as a prerecord. And, you know, Neil, when we then look at choosing transfer attorneys, what are some of the things that we need to look out for? Because it's one of those things that many of us are not going to be used to. We don't even know, you know, what are some of the questions if anyone should be asking our transfer attorneys when we kind of interview whether we want to work with them or not. But what are some of the key things that we need to look out for in choosing transferring attorneys? Some I think it's very important, you know, and that's a great question because the property transfer process is a complicated it's a complex process. It's not overly complicated, but it has. There's a number of of areas that can go wrong. And it's very important to make sure that you use a reputable attorney, certainly an attorney that either is a specialist in conveyancing or has a department that specializes in conveyancing. For instance, Hammond Poll attorneys, we've got a dedicated department where we employ about 60 people that work in the conveyancing department. And because we're a specialist and we have a dedicated conveyancing department, you know, we have a transfer section. We have a bond section and we have a cancellation section. And I think that's very important to make sure that you're using an attorney that specializes in the property transfer process. And certainly, you know, some of the larger firms that are all around us and that, you know, fortunate enough to work with the banks and on the banks' panels, that's an added benefit as well because they, you know, they're specialists in the entire process. I've seen, and I mean no disrespect to smaller attorneys, but I see a lot of attorneys that are not conveyances. They're not specialists in property transfers, but they do handle property transfers from time to time. And I've heard, you know, some really knife-marry stories, you know, about those property transfers. So I think make sure that you go, if you are a seller and you are anticipating selling your home, make sure that you've identified a reputable attorney and do your homework, you know, check that, do some homework on the attorney and check, you know, if there's any referrals about that at June. Going to your comments and questions this evening on the Private Property Podcast with myself is Amadouma Kumaolo. As we wrap up the last live show this year, we've got Kulinango seeing important note, contracts that ban the seller so they cannot sell the property to another party. And that is, of course, with reference to installment sale agreements. Regardless of whether you're buying land or, of course, a house or even an apartment, we want to make sure that that contract is registered at the deed's office. What's that for Makhoboudi saying? I just love the topic because it's always important to go back and revisit the important points to consider. Sometimes while on the process of purchasing a first home, we get too excited and we miss out on some things that we need that are important. And that's a very big one and that's exactly why we wanted to end off 2021 on this note, because maybe you want to buy your first home in 2022, perhaps you're buying your second or your third, but the first time you did it or the second time you did it, you're very excited, you're very intimidated, of course, and may have missed a few things and you really just want to brush up on what you can expect, what mistakes to avoid, and those sort of things. Mensable Sales is coming back saying, please can you also elaborate on the process of registering your apartment for rates with the municipal offices for rates? I love this question because I remember I never direct, I had issues with this and people who watch the show know what issues I'm referring to, so when I bought my first property, I actually bought two properties at the same time and so I was also just overwhelmed because everything was just in doubles, having to pay four attorneys because both properties were bonded and I didn't know, I bought both properties in a sectional title community. I wasn't aware that I had to pay COG rates and taxes. I thought I only had to pay levies and so got the levy account very easy, I will send the details, they put me on, they sent the statement the moment they needed to and I thought, well, there's no such thing as rates and taxes because I don't have a standalone house. Only to get an SMS saying, I'm in a hurry as about three months after the fact and of course I am shocked because I'm thinking, but how am I in a hurry as firstly because I didn't even know I needed to pay this and I didn't know that I had to set it up and luckily somebody at COG when I called them, they were very helpful, they explained to me what needed to happen. I was able to do it online because I also wasn't receiving these statements. So I was able to do it online and get it sorted but perhaps explain to us that step because I think that's the one that so many of us trip over. I mean, even in subsequent properties, I now know, I always just grief the attorneys that just made sure that this part gets sorted. I don't want to have to do with this. I have somebody in the team just handle the admin because that's the step that you don't want to trip over and subsequently find yourself falling behind in rates and taxes. I mean, it can be very frustrating dealing with that part of the admin. Some attorneys will assist the parties in changing their account and there are certain agencies out there that people cannot, but my experience with some of the municipalities is that they've got customer care centers. They're very easy to go to. Typically what would happen, just to go back a little step in the process, during the property process, the conveyancing attorneys would call for clearance figures from the municipality on the seller's account. The seller's required to make payment of those clearance figures which are generated in advance. In other words, the property transfer when it's registered, that account should still be in credit at the time that the purchaser becomes the owner of the property. On the day of registration, the attorney should send out a final letter of registration to all of the parties and typically the purchaser will receive a letter to say, you are the owner and here's proof that you're the owner. They'll receive a property printout to show that the property is in their name and they'll be able to take that off to the municipality and go to the customer care center and open an account in their name. The seller, of course, also needs to make sure that the account is closed on their side so that there's a transition. And once that's taken place, usually the seller will get a refund if there's still a credit on the account. They'll open an account in the purchaser's name and the seller should get a refund for the amount that they've paid that's in credit after the date that it's gone into that it's been registered in the purchaser's name. We are slowly wrapping up the last live show of 2021 here on the Private Property Podcast. And as I said, if we do not get somebody claiming the money that is in the money bag, I'm going to give it to one lucky viewer who's watching us and commenting down here below. So the trick there is certainly to be engaging us down here below. I've asked the team to look up for who's engaging us the most this evening and that $1,000 is going to be yours. So on the one hand, you have to keep your fingers crossed that Oliver Khan doesn't certainly clean the price before we wrap up and on the other continue engaging and you may be the lucky winner. And Neil, before we wrap up, going into the new year, what are some common legal mistakes that we need to avoid when it comes to buying a home in 2022 and beyond of course? Look, I think the biggest problem, especially for first-time home buyers is affordability. Home buyers, they don't do their homework and I think it's one thing pre-qualifying but it's another thing looking at all of these hidden costs and especially complexes, things like special levies, transfer costs, bottom costs and I find a lot of people obviously not doing their homework and now finding that that becomes a problem. One of the biggest issues as well, especially this time of year and I've experienced this before is that buyers are granted a home loan and the bond is granted and the transfer commences, the transfer process commences but obviously before it's registered, before the end of the new year, we go into the Christmas period, we go into the festive season and some people then go and take out additional credit and obviously when the time comes to register the transfer, the bank goes and does a double check and if they realize that the buyer has now overextended himself during the period that he's been granted a bond to the period of registration, the bank has the right not to register that bond and they can actually withdraw from the process. So I've found it before where particularly over the festive season, people take out loans, they take out additional cell phone contracts, they take out short term loans to go on holiday, to buy Christmas presents and that can have a huge big impact on their affordability in terms of their bond and the bank will pick that up prior to registration. So that's a very big problem. We've got a question here and I'm going to just, it's coming from a sample on our Facebook page and he asked, does the purchaser pay for the new municipal account? I'm going to assume he means pay for it to be opened as opposed to you now servicing it monthly because of course as the purchaser, you would be the one who now services it once the property is registered. So are there any cross implications to get that new municipal account? Absolutely. The purchaser from the date of registration, the purchaser would be responsible for that account. There will be costs associated with opening that account. There's a deposit that could be required at the council and they will require a deposit upfront to open the account and put it into your name. And then of course from that day forward, the purchaser will be responsible for his own rates and taxes. If the purchaser wanted to go with some sort of an agency or some sort of company that would assist them in opening an account, well then there would be those fees attached to that as well. Yeah, and I think that's an important one. I mean, we have seen some who are able to do it fairly quickly, fairly efficiently and they do charge a fee for that. And I think when we then look at, as we wrap up this evening Neil, any tips, certainly any advice for property earners going into the new year, especially those who also may be looking to expand their property portfolio, perhaps adding their first rental property in their property portfolio. Zama, I think from a seller's perspective, I think before, if you're planning on listing your property for sale, make sure that you've covered all of the areas of your property and that when you do sign that contract, you list all of the defects. And if there are repairs that need to be made like leaking roofs, latent defects, crack tiles, rising damp, don't do patch jobs. Make sure that it's done properly with reputable contractor, so that the guarantee for that service can be passed over to the purchaser. So from that perspective, from a buyer's perspective, I think COVID is playing a big part in our lives. Hopefully we see in the end of COVID and I think just again, from an affordability point of view, make sure that you've done your homework and make sure that you can afford the property and look out for those hidden costs. The buyer needs to realise that they're going to pay transfer costs, they may be paying transfer duty and if they're registering a bond, they're going to be paying fees for the registration of the bond as well. And Neil, as we were up, we actually mentioned something around when you're a seller, make sure that you don't cut corners in the event where there are any damages to the property. You want to make sure that you disclose them. Perhaps as we wrap up, what are some home buyers' rights? Because I think sometimes buyers do not know their rights, especially first-time home buyers. And it's very easy for them to get very intimidated and very overwhelmed with the process and sometimes working with an estate agent who wants a sale because you're looking at their commission and would position things as though this is how things are done, as opposed to essentially being open with them, saying, actually, as a buyer, you're able to ask for X, Y, Z. Zoma, I think first and foremost, a buyer is entitled to inspect his property, entitled to a full inspection of the property. Make sure that they're satisfied with the state of the property and if there are any latent defects with the property, if the seller is aware of any problems with the property, the buyer is entitled to be disclosed, to have those problems disclosed to the buyer. Of course, if the seller is not aware of those defects, then of course, he would be entitled to rely on the so-called footsteps of course. But I think from that perspective, the buyer is entitled to know exactly what he's buying. The other thing that buyers can expect to have in terms of their rights is vacant occupation, which appears to be a big thing these days. A lot of the times, particularly in this market, there's a lot of sellers that are selling their properties that they've bought for investment purposes and where they've agreed with the purchaser that they have a tenant and the tenant will have vacated the property by the time registration takes place. I think the buyers find themselves in a situation where they have now taken transfer, they want to move into the property and the tenant is still vacating the property. So, a buyer definitely has the right to vacant occupation on registration if that's what they've agreed. And of course, to make sure that they can safely move into their property. And Neil, I think as we wrap up this conversation this evening, I want to say any final last tips for our viewers at home when it comes to buying their properties for 2022, whether they're the buyer themselves or the seller, or of course, even tenants who want to move from now becoming, from moving from being a tenant and certainly earning their property. Any final tips as you wrap up this show this evening? Zama, I think there's a lot of movement in the market in terms of sectional title and complex living. And I've found a lot of people moving into complexes where the complexes has now got a whole lot of hidden aspects. And one of the issues is when you inspect your home, when you move into a property, when you plan on buying a property, check the complex, check the state of the complex, check the financials of the body corporate, make sure that it's liquid and check what you're buying so that there's no hidden agenda down the line in terms of special levies and that type of thing. Neil, we're going to leave it there this evening. Thank you so much for joining us on our last live episode of Private Property Podcast. It's been such a pleasure to have you. I know that we'll certainly be inviting you back in the new year, tackling all things relating to property. Thank you so much for joining us on the show. Thanks for having me Zama. And that is Neil McKinnon, who's an attorney at Hammond Poll Attorneys. Wrapping up the last live show of the Private Property Podcast with myself for Zaman Dunwo Kumalo this 2021. Tomorrow we've got a special episode for you at home. This is one that you do not want to miss. It's probably one of the greatest shows that we have pulled off this year. We had a lot of fun last week when we were putting it together and certainly going to enjoy watching it with you all at the same time. We're going to have quite a lot of fun. But before I go, I want to say a few thank yous. Of course, firstly, thank you to all of you at home who have continued to watch us every single weekday at 7 p.m. and also watch the 8 p.m. shows who engage with us, share the content and continue showing us some love. We do not take all that love for granted and certainly do not take your time and attention for granted. We've become a family and we're in your homes every single weekday. You share your hopes and aspirations with us and it's something that's so inspiring to watch. It's even more inspiring to see all of you reach your property goals and make some of your property milestones and of course, share them with us on our social media pages. And a very, very big thank you to the team behind the scenes who pull this off every single day. It's not very easy putting together a property show, but we have grown to not only be the only daily property show in Southern Africa, but we're also the only one that has reached over 400 shows on the continent and this is something that we know we wouldn't have done without you at home, but also without the great team that works behind the scenes and pulling the show together from my colleague, Amo Pallisa, Norma, there's so many of them, Kizito, Sistavile and a host of others. Guys also, they're doing a lot of our graphics and I think this is something that we do not take for granted and also on your socials and all this commenting from the social media teams, Norma Fundo and her team, this is something that I know a lot of us spend a lot of time working towards and lots of sleepless nights and sometimes we don't always get it right, but as a team, we certainly want to make sure that we give you the best that we can on offer and thank you to each and every single one of you and this festive season is around off and certainly get ready for 2022. We've got a lot planned for the new year. You can certainly look forward to a new look for the show. We've got a few surprises upon our sleeves and that's something that I'm very excited about and I know you at home are going to absolutely love some of those surprises. So I can already assure you that 2022 is going to be bigger than what we have done so far and we weren't going to get there, of course, without you at home. So thank you to each and every single one of you for pulling this off for us and making sure that we certainly grow from strength to strength. Now, I did say if the lucky winner does not claim their prize, we're going to have a lucky winner chosen from the show and the lucky winner who is watching and commenting, the team has told me is Tashry Combs. So congratulations to you, Tashry Combs. A thousand rands coming your way this evening and that is the last time that we're doing that this evening on the show. And we're going to be coming back in the new year with of course loads and loads of great prizes as we often do. Well, for myself, as a mountain, it has been such an honor to always be with you every single weekday here and making your property aspirations come true and certainly helping you make better property decisions. I am very grateful for the opportunity and we're going to be coming back in the new year. We'll be going to have a very safe festive season that you're going to be able to spend time with your family, be able to rest. I know many of us are still going to be sending kind regards, emails for the foreseeable future, but we're going to be wrapping it up and hopefully getting some risks. Well, that's it for myself. Well, that's an open tour. And of course, as usual, hoping you're staying home and staying safe.