 Search for a home on any device, any time, anywhere. Private Property, a home for everyone. Either weekend, we hope you've had a great week. My name is Daniela Acquisto and this is Winner Home. It is also South Africa's premier interior design reality competition proudly brought to you by Private Property, where our three design deals have almost completed transforming three cluster homes from white box spaces into these lavish homes. Now, sadly, this journey is entering its final weeks and our design deals will soon have finished their homes. But before I start to get emotional, let's rather take a step back and see what happened last week. Previously on Winner Home, the last day of the garden challenge was not sunshine and roses. Shut the front door. I know we're in the garden, but someone then broke a 16th, 18th century marble fireplace. And it got worse when one design deal got caught breaking a serious rule. Deadline was 5pm. Who gave you permission to decide to carry on doing work when deadline was done? With team house and leisure at risk of being disqualified, the judges' feedback was of utmost importance. Fortunately, they had high praise for all of the magnificent outdoor spaces, which had great functionality, artistic elements and water-wise plants. But only one design duo could win the biggest challenge reward yet. The winning design duo, walking away with that 10,000 rand added to their budget, is a BN Brad team habitat! Going into the final challenge, there'll be no lounging around as our design deos enter the battle of the budgets and stretch the last of their cash to finish their homes. Money, money, money! It's fast becoming a taboo word around our design deos and for very good reason. With the final space left to decorate, the last of the cash budget isn't looking too great for some of them. As last week's champions, team habitat got a healthy boost with that 10,000 rand bonus from the garden challenge win, leaving them with 53,000 rand. Team VC has 40,000 rand left going into the final challenge and even with all of their saving on the garden, Team House and Leisure has only 36,500 to work with. That's not a huge amount considering the challenge. Contestants, I cannot believe it's come to this, the final challenge on winner home season four before the judges arrive for their final verdict and that 100,000 rand cash prize. I'm sad. I'm sad. It's our last challenge. But I'm happy because now we can read. I'm happy no one cried throughout all the challenges. There's still a yet, there's still a yet. We're not done. It's been exciting going from one room to another room to another room and like you know just having ideas and planting them in and now it's like after this one you've been cut off! So it's nerve-wracking but it's also it's a bit sad. It is sad. Like it's like what happens after this. We wish the house had another room. The next and final room you'll be decorating is the entertainment epicenter of your home. It is of course your living room. You will have just 10 days to turn this space into a room that is not only beautifully designed but also one that brings the entire home together. It's our last lap and we want to pull this whole house together through the lounge. Absolutely. It's a last chance to make an impression of any sort in terms of for the judges, for the public at home. So it's literally going to be that room that is spectacular like the other rooms but in its own way. Toughest challenge because of the budget. The couch is expensive. The table is expensive. I'm worried because of our budget. I guess that's like my biggest concern now is the couch that I want. It's above the budget. Not even above. It's like double our budget. But you're not getting it. I know. I even made peace with it. Contestants, that 100,000 rand is so close. The pressure's on for the last time. Go forth and design. It's scary that it's the final room challenge and we've got so little to work from and I think this is the room where we're supposed to make the most impact and we've got 30,000 to make magic. And we'll make magic. Hopefully. Don't underestimate our intrepid design duos. The hard knocks that they've had during the competition have taught them some very valuable lessons including how to stretch their budgets to achieve the stellar looks that they've created thus far. They've also made some great connections in the design world leading to some awesome creative collaborations. Right now we're trying to find a budget for couches. Because you can't have a couch without seating or you can't have a lounge without seating. So we're going to go from store to store and flutter these eyelashes. Sure. The first place Team Habitat goes to flutter those eyelashes is to the man who designed their kitchen chandelier for more extraordinary lighting. Stephen Pickett by the grace of the design gods is how we found him. He was sent from heaven. He really was. Because how he makes lighting and how we like to upcycle and... We share a similar aesthetic in terms of design. Yes. Upcycling, social development. And taking things from napping into something grand and just wow. There's so many products, waste products in the markets where people don't really know what to do with them. I mean these air filters, for example, nobody recycles them. You know, there's something in the process of turning something that's found, something that was discarded to give it a second life to make it something beautiful maybe even more beautiful than it was originally. Oh Stephen Sir, we've killed the kitchen. So now it's time for the lounge, the last challenge. So we're here for those track lights. We want to bring that power into that lounge. That V8, V20 Vroom Vroom engine. So we kind of have some inspiration in terms of what the lounge looks like. We are thinking. Just a rough drawing of how we're going to place the furniture in the lounge. So here's your coffee table. Yes. And I think we'd want the lights to be over the coffee table. Yes. To actually accent that area. Hence we brought Simba along for that extra row. He's going to be the base of this coffee table. Hopefully rectangular or circular. Yeah, a glass on top of it. And then we want the lights to be above the coffee table. Yes. We don't know how, maybe you can help us. I think we could mount a plate against the roof and then stagger, actually stagger the track lights going down, maybe eight of them, almost in a spiral. And we could use finishes that would pick up Simba's color. A beautiful brass, copper, nickel, silver, which would pick up the beads. We could do something stunning like that. Because also we want to do mirrors on the ceiling. So I think it's going to look awesome reflecting the lights. Yeah. If we put the right bulbs in these track lights, it throws a beautiful shadow, almost a paisley shadow, which would be lovely reflecting off the mirror and onto the glass of the table. It'd be beautiful. I mean, I can already hear that V8 engine roaring along with Simba roaring. I mean, it's like a roar. We just need to get those judges to roll. I'd say yes. We have plastic spaces today for colour consultation. What we wanted to do in our lounge is we wanted to do something like this. But we wanted to use warm, inviting colours. Because it is a lounge, we want people to sit and talk and enjoy the space without feeling like they need to leave. They must be comfortable. So I love these colours. The millionaire gold, the sticky toffee and the dragon's hide. As you can see, the millionaire gold is more of a mastery colour. And it's from the beast. So which means it's a bright colour. And then the sticky toffee is from the seeds as well as the dragon's hide. Those are more your calm colours, your rich tones. They make the environment feel cosy and nice. And sometimes we use bright colours in one space. They become a bit too much for one to take. So we don't want that energy. So to tone it down a bit, I would suggest that you add the seed query as well as one of my favourite colours, which is called splinter. It's a dark blue-gray with a smudge of a green undertone, which can look quite amazing in that space. Now, we need help on how to execute these shapes. We want it to look clean and professional. We don't want it to be a mess. I see that you've got a half circle on it to get that beautiful half circle marked perfectly on the sticky toffee. Once we've painted the sticky toffee and it's dried completely, then we're going to start masking out the circle. It's going to be a process. It might take a few days, but to get this perfect, we have to do it one shape at a time or two shapes at a time, because they're overlapping each other. Put your pencil on the wall from the sticky tape and do a half circle on a board that you want, no matter the size that you want. And then on, you can create your own stencil to have the perfect circle for yourself. Awesome. That sounds like a plan. I'm excited to do this. Teamhouse and Leisure meet with artist Heidi Fori and photographer Tatenda Chidora, who are collaborating on different types of artwork for the living room. Tatenda and Heidi are showing us the printed images and also the techniques that they're trying to do. So it is the collage, the painting over, and also the drafting film. And they're really trying to figure out which one will be the best effect. And since this is, like, boneless filled, I thought I should, like, sit back and let him do his thing, because, like, I trust him he's never disappointed before. We looked at a few photographs, some landscapes, some portraiture, and then Heidi and I decided to work with the portraits. We chose the portraits because they've got enough space for Heidi to paint on the sides or put a collage, so there's enough space to incorporate her as well. We chose not to use the landscapes because they're way too busy. I think the portraits specifically resonated with me. They're quite striking, so I think they can stand out in the room and they can be a very strong feature in the room. The one photograph has a floral arrangement on the model and it kind of, for me, it can communicate with the paint marks quite well. I'm quite excited. I'm a big fan of Heidi. So I'm really looking forward to see the colour into the images. I mostly work a lot in black and white, so it would be good to have a different dimension in the images and I think the textures and the exchange of the paint and even the different elements that we placed into the image would look different. I really don't want to overpower your photographs with my painting, so I'm going to try and keep it a bit mute. I'm not going to go too crazy with the colours because it's quite serene and silent, so I don't want to overpower it with too much paint and too much marks and put too much over it. Do you agree with that? I do agree and I definitely think it's going to be amazing. Working with Team HL is always a lot of fun because they have so much energy and they're excited with whatever we do, so they're not very fussy and they trust us to do our thing, so it's really cool to work with them. They're really happy people and quite exciting, there's just energy, so much laughter for one day. In another creative collaboration, the Habitat duo team up with Sally Chapman of Chapman Collection in designing a wallpaper for the corridor. Sally called us at Design Joe Book, spotted us and we just all fell in love with each other. We loved her work, she loved my hairdo, she loved your style. We just loved each other and we were fairly, can you do anything for us, for the house? And we decided on that passage. The way you spoke about the animal, I really feel that the gold and the silver would go perfectly. So what I did is I then sketch it and then I just lay it out on a piece of tracing paper, slightly bigger and start staggering then just to see if the pattern will work and as I started laying him out, he really looked fantastic. We might not have had time to say Amanda, Amanda Mentor, what do you think? It had to just be to start around the spot because she was flying from Cape Town, she plunkered on the wall and it's not sorry, it had to happen and it actually did something for that corridor. It made that corridor grand, exclusive. And just come alive as opposed to what it was before. If there's one thing that weird Winner Home are most proud of, it's that our design viewers have showcased local design in some fantastic ways throughout the homes that they've decorated. It's a beautiful celebration of South African talent and guess what? You could be calling one of them your home. The Winner Home grand prize competition will soon make one lucky viewer a homeowner at the I've Africa Golf and Residential Estate. The winner will choose one of the homes decorated by our design viewers, valued at over 3 million rand with luxurious finishes by Plascon and Caesar Stone, top quality bathroom fixtures by Gibberton Grower and premier appliances by Grundig. To enter, simply visit privateproperty.co.za and vote for your favourite design viewer. You only have until the closing date of 29 October, so make sure that you get those entries in as soon as possible. You can enter once a day, every single day and it's also an automatic entry into the buying weekly giveaway. And speaking of which, I'll be announcing our most recent prize winner as well as announcing what prize is up next directly after these. Because if it doesn't improve people's lives, it isn't Plascon. Plascon, designed for life. Welcome back to your weekend Kickstarter with us on Winner Home on Afternoon Express and thanks so much for the tweets that have been coming through, loving reading all of your comments. Now, our buy weekly giveaways have been an incredible array of sought after prizes and you can still get in the running to be a winner. First, however, we must congratulate Tsepo Mokhodsi from Midland because, hold on to your seat, you're the winner of the Grundig Black Glass Door Kombi Fridge worth 8999. Congratulations. Our buy weekly giveaways aren't done yet and our last prize is a beauty. courtesy of Caesar Stone, we're giving away a KitchenAid mixer worth 10,000 rand. So when you enter our grand prize competition at privateproperty.co.ze, you're also automatically entered into that buy weekly giveaway, so enter right now and in fact every single day before the competition closes to get as many entries in as possible to stand in line to win. Now, our design duos have had an exciting journey so far in the competition and they've grown along the way with the help and guidance from their magazine mentors. So with this being the final challenge, the final meetings are really bittersweet. We hope it's not going to be the last time. No, it can never be the last time. I mean, as long as you buy a fashion magazine, now we know the others are. I don't know. It's not the last time. Yay! Fantastic. Yeah, no, thank you. Thank you. Now we're going for the big one. I mean, the overall win. And we're not going to stop. There's no stopping now. There's no stopping. Ain't no stopping us now. That's right. So what are we doing for the lounge? Show me your ideas. Sure. So with the lounge, obviously now we've already taken some of the space away with us down in years. So we thought of creating somewhat of a partition to create a privacy for the lounge space. What kind of partitioning are you thinking of using? So you see, that's where we debate. That's where we debate. How do we... Because we're thinking something of this structure, like a wooden structure that literally starts from the ground and goes up and into the wall. And you could use the pillars of the partitioning to put shelves in. That might be quite a nice idea to put the odd object on a shelf. Make it look a bit more interesting and less stock. Otherwise we can start the pillars here next to the actual island. So we don't lose the space. Because we've already made the lounge quite small. I don't think it's a good idea to start from here. You'd have to just... I think you must start further in. So you have a gap here. Yeah. So when you get up from this chair, you want to go to the garden and just try the lounge. Otherwise it's going to be a bit cluttered. Do you think you might incorporate Caesar stone in the lounge area? Yeah. So we really want to optimise on the Caesar stone of cuts, unless of course we can rip that one off the wall and put it somewhere in the lounge. I mean, we have to bring it in the lounge. No, you do. It's huge. It's huge. I think you need to bring some colour into the space. Not a multitude of colours. Maybe just one colour, which you could possibly do with using artwork. That's for us. Definitely. Like, you know... I mean, the artwork and the a portion of the furniture could possibly also be... We just need to find a collectible piece. That, you know, where she stepped on the wall. It's ma'am, it's Van Gogh. If I could find Van Gogh right now, I'd dial him. What are you doing with the lighting? What are we doing with the lighting? You tend to live! Well, no, I think for this time around, we're using Steven Pickers again... OK. ...for our lights, just to carry on the theme... ...of the weather. But not the chandelier. Repeat it over there. No. You know, do you track lights? Yeah. OK. You're going for more of an industrial look with the lighting for the lounge area. Complete contrast to the chandelier. Do we have a winning combination? Yes! Let's win again! Yes! No, we're taking it. And all of them! We are going to re-drain today. Meeting with... Larushka. Re-drain has everything from retro, mid-century pieces all the way to modern pieces. Oh, wow! This is nice. How awesome is this store! Great shop, eh? I'm so glad you brought me here. I love all of this. So Annemarie, you know that we already bought our all-shaped couch and we're looking for a... A chair. A lounge chair to go with that beautiful couch. And we want it obviously to be very comfortable, but we want it to be a unique piece. And that's why we're here at Retrend because they have beautiful retro mid-century pieces and I think they'd be absolutely unique and beautiful for our space. So we were looking at this piece over here. We quite like it. Without the scatter cushion. Maybe without the scatter cushion. And always look at the foot. The foot is the most important thing because that is what says I have personality. Correct. We want to continue going with a concrete jungle theme throughout the house. Clear that. So I think maybe this occasional chair will play a big role with our wine rack, our wall unit there and also the carpet. Yes. So we have the rug which was meant to be used in our master bedroom but now it's decided to use it... Yes, we've decided to use it in the lounge and I think because it's got those beautiful, delicious monsters on them it's going to bring a beautiful pop and I think all of that put together is going to be lovely. You've obviously been here before so show me what you were looking at and we'll choose one. Anna Marie loves this shop more than... More than anyone loves anything. If you want to learn about history of furniture, how things work in the space I think Richard will be the right space for you to get. Oh, this couch is so comfortable. Listen, tell me what you think. You look like you're going to fall asleep in that couch. It's so comfortable. Yeah, I love the colour on this couch. It looks absolutely amazing. The upholstery is beautiful. Do you think this is the one? I'm not quite sure about it. Lavishka, what do you think? Do you have... Hello girls. Hi, how are you? We love this chair but I don't think it would fit for us. So do you have any recommendations for us? If you're looking for an occasional chair, I've got some other possibilities at our other shop around the corner. We've got the graft and eras that will give you a more relaxed feel, more very informal, very loungey kind of chair. Seventies look, if that's the look you're going to go for, very mid-century retro. The other pair that I can show you is late 50s, 60s. That will give you also a relaxed feel but more of a formal, occasional chair. That sounds like a plan. Let's go. Do it. Annamarie, go. I'm taking this. Around the corner, Team VC and Annamarie find some armchair choices that will add distinction and personality to the lounge. Annamarie, look what we found. I am in love with this chair. First of all, I feel like it's more formal. I know you fell for the deep-buttoning detail. Well, this chair is nice but when I came in to retro and I fell in love with the gold sheath, just totally nice. I mean, look at this. Tell me if I'm lying. I'm with you. I'm with you when I walked past the shop. I saw that and I thought, did they see it? And the fabric is also comfortable. Yeah, I could fall asleep here. You're even closing your eyes. Did you see the leg? Both legs are completely amazing. Only one leg, that's what makes it special. But here's the question. Can you afford it? I think I can. We can. I didn't even sell the chair for this chair. You're going to sell me? I guess I'm sold. Selling me off like a slave. No, I didn't sell you off. For a chair. A chair. It's worth it for a chair. Not even a Maserati, not even a chair. A chair. It's worth it for the challenge. While a chair comes between Team VC, Team Habitat is literally putting up a wall. Luckily, there's no drama, just a partition. The idea with the partitions, if you've ever heard Beyoncé's let me build a partition, babe. It's all about partitions. Just to create spaces that are somewhat divided but open. We like a place with adventure, and with the partitions, I actually think it makes the place look bigger. Absolutely. Rather than go in open plan. Yeah, it just makes the lounge a lounge, a kitchen, a kitchen. You need partitions. And there's storage in our partitions, so we're maximizing on that. It's like going on a first date, you don't want to show the guy everything. Absolutely not. Especially if you didn't do your dishes. You want to keep some things hidden? Absolutely. The mystery. It's funny that Team Habitat mentions keeping some things under wraps as they often do precisely that with their designs, revealing these huge surprise additions when their spaces are complete. Now, will they do the same with their lounge? Let us know what you think by following WinnerHome on social media and using that hashtag WinnerHome to share your thoughts with us on those living room designs. Still ahead, the design duos hit that home stretch as they get stretching those budgets. Because if it doesn't improve people's lives, it isn't Plaskon. Plaskon. Designed for life. It's the final... Welcome back to WinnerHome on afternoon, Express. And knowing that this is their final challenge, Team Halson Leisure has decided to display as much personality as possible in the living room and for some truly unique pieces, they're representing one of the country's most cutting-edge design studios. We're going to Dr. Mises because we actually had been following the designs in the past and we thought they'd be fitting for aesthetic and also something quite different and playful and that's what we're looking for, especially for the lounge. And again, seeing their work at their corrects, their collaboration with Caesar Stone without that was beautiful. It would be really nice to have one or two of their pieces in our space. What do you think of this one? It is lovely. I love that it's very sculptural and then it'll blend in with the whole theme of introducing artworks to the space. I really like it. Yeah. And you're not worried that we might not be able to put anything on it? Mm-mm. You're not worried at all? You like? Nah, the one. Thoughts on this one? I love the hide. I love that you can utilise the red, like the entire space on top of it. Yeah, unfortunately, the colour, I don't think it'll work, especially for the colour we have. And don't you think it's a bit outdoorsy as well? Okay, let's go and look at the rest. Yes. What do you think of this one? I think it's very traditional. I love the shape and size, but it's safe. Yeah, compared to the rest that we've seen, I feel like this is safe. Let's go. So, guys, have you decided which mirror to go for? Yes. So, actually, we have circular mirrors in the house and we're trying to break away from that trend because that's something you have for us. Okay, so the first one I have for you is the Lotus mirror. It's based behind a flower design. As you can see, it's got a really nice, funky frame and it has a powder-coated base. Here at Dr. Misses, we like to do a lot of funky stuff and unconventional designs. And I've got a couple more items to show you as well. We've got the Babel Edges, which is a mirror v. It's a very classic design. We've made it into some different shapes as well. And I've got the Tri-Mirror that I want to show you in the other rooms, so if you guys can come with me, it's going to be awesome. Right. So, looking for a different shape that will complement the space, but also be ahead of the trends, the current trends. This is the Tri-Mirror, guys. Do you like it? We love it, yes. And not only do you want one, but you want two of them. Great! I'm going to ring it up just now for you guys. Thank you so much. Thank you so much. We are a bit sad that we are meeting with Sian for the last time. It is like now thinking in that the competition is approaching the end. And also, with Sian, I think we've got a great relationship with him that it feels as, even after the competition, it's still going to be able to reach out to him and ask for help. So, obviously, the garden was last week, and I got some feedback that there was a bit of challenging, scary moments, last-minute moments, things going haywire. So, what was the final result? How did it go? I would like to say nothing. I'm sure there's been a few things. A few things, yes. So, it was the styling number one. Yeah. It didn't happen on time because our minds were still waiting on the coffee table. Learning from the outdoor challenge, what are you going to do this time around inside that's going to wow the judges? Design a piece of this. And another thing throughout the house we've been using like softer colours. So, we're trying to introduce much bolder colours now for the lounge area. From the kitchen running into the lounge, we opted for like a Caribbean current. And then on the two passages, we're going to be going with a rowy boss because we feel like as you walk into the house, it will contrast nicely with the lounge. And then at the interior, especially the couches, we're thinking of these colours and because we've got very bright walls, we want to keep it neutral. So, we have the materials that will just soften the space and then at the back of the chairs because you can still see the back to add detail so that when you walk in, you can see all the colours. We came to Dr. Mises because we saw that they have quite striking pieces. And then we've been looking at quite a few coffee tables. We'll begin like a coffee table from them and mirrors. And well, there's an AUFO coffee table on the other side that we saw and well, I feel like it's quite bold, very sculptural and it'll be like a statement piece in the lounge area. There's a soldier and then what's nice about the soldier is the size and the height and then option three will be the penguin. So we thought maybe you would advise us as to which one would work well better. I think the UFO is a better option for that room. It's sculptural, it's going to anchor the space and it's going to create a talking point, a focal point in that space that's needed in the lounge. Good like guys, there's obviously a lot that still needs to be done together beautifully. We're meeting Melissa and Harrod. It's always exciting to meet him with them because their stone is amazing. It's just too beautiful. Absolutely. It's just too, I don't know, get them on board. On board with our ideas. Hi guys. Hi. Nice to see you again. Nice to see you too. Thank you for meeting with us and you can see we've brought along our off-cats. We didn't want to waste a scrapper. Fantastic. There's quite a bit left. Yeah. What have you guys got in mind? We're working on the lounge area. So with the off-cats that we have, we wanted you guys to advise us on what's possible to be made from the off-cats that we've kept. The fantastic thing with Caesar Stone is you can literally use every single little piece of it. It is so versatile. I mean, you could be making small little table tops for occasional tables. We could possibly pop in a couple of floating shells with what you've got left. Straight at the ball. Yes. That's correct. You can even have a couple of little platters so you can serve some sushi around the ball. Caesar Stone. Absolutely. Yeah. So really, really versatile. Plenty we can do with it. Sure. What do you have in mind? Well, so far, when you look at this is the a stage of the layout. So we've got the lounge area here and this is the area that's like what we want to convert into the ball. A little social area in the lounge. Yeah. A bathtub, a cabinet, maybe for your drinks. Because the space is very limited. It's like 800 across, but we're going to make a little table, 600 that you can go around it to get to the cabinets and the cocktails. I think a big factor is the space, like you said. I mean, you also don't want to make it too small. Sure. If you sit with a 600 table, I mean, it's basically just you going to sit there. Two people going to sit there. Ooh, and that's not much of the social gathering. Yeah. So we have to have a look at the space and then we can see a planet from there, maybe. OK. I agree with Herot. I think we need to use the Caesar stone in a practical way. I think the space is a little bit small for a bar, actual seating bar area. My thoughts is to possibly build a nice little drinks cabinet with some shelving at the back with some nice colorful bottles. You can then serve your drinks in the drinks cabinet. Take them to your lounge area and serve them on a couple of small little Caesar stone tables. It's amazing that you can use the Caesar stone not just for countertops but for furniture as well. And because it's so hard-wearing, it can be used in a number of different applications and gas, don't forget, it carries a lifetime warranty. Herot, I must ask. I know this is a tall ask, but we've got one more slab that's sitting in the guest bedroom. That's not really optimising on its value. That I'd need you to somehow miraculously yank it off the wall and we make it into something really spectacular. You must be kidding me. Sure. Unfortunately, I don't have any more jokes left in this last slab. To be honest, we will get it off, but you're going to have a lot of damage on two walls, your plaster, your paint, might even damage your stone. So what do you guys want to use it for? It's like a goodie backstirring right at the back of the house that we want to bring somewhat to the front of the house into the lounges and the kitchen. And just find a new purpose for it. Yeah, we found that putting it on the wall wasn't the best. One of our best ideas. You know, it was our first real memory, but still learning how to use the stone. Guys, I will do it, but you must know one thing, the risk is on you, right? Okay, nobody except all the risk. If it breaks into some pieces, we'll make sure those pieces of practical use of the slab are going to go through all of this effort of taking it off the wall, then let's turn it into something phenomenal because that's what Caesar stone is all about. Right from the start, Team Habitat have adopted an off the wall approach to design and we hope that the same will be true for their slab of Caesar stone. Listen, after the break we get some advice on estate property financing. So stay right where you are. A partnership with Winner Home. The best stone search for a home on any device, any time, anywhere. Private property, a home for everyone. Welcome back to Winner Home on Afternoon Express, exclusively on SABC3. Private property has stuck to its promise of providing us with advice on the different aspects of property on estate. Joining us in the loft today is Lepoy Mokhatle. She's head of Home Loans Digital at Nedbank and she's going to be our host today. Thanks for having me. So let's first start with why estates are becoming so popular. Are you guys seeing on your home loan digital platforms are people applying for loans to move on to estates? I would say yes. We've seen far more home loan applications for development loans, which is your residential estate living loans and your first-time home buyers, but mostly couples. So people who are starting a family or whose family is getting a bit bigger they're moving into that estate living purely to have access to certain schools that are in the estate. And of course I mean the convenience of having your gym and a restaurant and the spa all in one space just makes it absolutely ideal. So there's a lot for us to understand there. I mean there's three different ways that one can buy on estates so essentially there are three different ways. The first is to get a vacant land bond so that is just to acquire the land where there's no building on it and then perhaps build at a later stage. You can get a tent if you're ready poised and you can buy it like me. I can buy the land but I can't buy the home so I'm just going build a tent. Absolutely. And then the second option is to get the land as well as a building package at the same time. So that's what we often term as a building loan and it comes back to you. And then the last way is if there is an already existing property that you have your eye on in a particular estate then you just buy it as a normal home loan. Okay amazing. And then what about sectional titles? I mean a lot of people are trying to buy intersectional titles they like the sort of affordability of it all and they understand that it's a sort of plug-and-play kind of system that they like. Is there a different way to finance those? That's actually a very good question. So sectional titles are really accessible and you've got urban areas like Cape Town and Johannesburg it's quite ideal for clients who want to apply sectional titles. There isn't really a different way of applying for a home loan for a sectional title but just be aware of the fact that it's part of your shared use. So you don't just buy the building on its own you're buying the opportunity to actually share in some of the amenities that are around it I guess. So the idea behind buying an intersectional title is that you avoid no, not necessarily. So if you're buying a fully completed building or unit within a sectional title and you're buying it from an existing seller then transfer duties will apply. However, if you're buying it directly from the developer then there will be no transfer duties. So find these deals soon while these developers are building these new plots buy in early so that all these sort of duties get avoided and you can save yourself a bit of money. Absolutely and the developers have really great packages that facilitate that as well. Stunning. Now you mentioned what I'd expand a bit more on building and those kinds of loads because that's a very specialized way of loading from a bank to build. How does that work? So building loans work slightly differently to your normal home loan in the sense that the bank does not pay out the money at once upon registration. So what usually happens is you'll come to us as a bank and say I'd like to apply for a home loan but I want to apply for it and the bank will say yes you're good for it and then once the bond registers they will start making what we call progress payments and they pay out as and when the building gets completed. So for example your builder will have started the foundations for example and then the bank will issue a first draw down of those payments and then when the builder gets to for example you as the client are happy with it. Okay let's just quickly ask you something that's slightly off the books a little bit but I mean when you're trying to buy on an estate do banks look into where you're trying to build this property or buy the property as a way of affording a bond to build or is it purely just about the person that's going to be paying it off? So we look largely at the individual so what your previous credit behavior do you also look at the area in which you want to buy property so we'll look at things like is it close to certain schools or parks is there a functioning sewage system which would surprise you a lot of the time sometimes there is one. So those are some of the things that we look at yes. So buying in the right kinds of estates could also help you in that process too which is awesome. Absolutely yes. The bank has very good relationships with a lot of the developers and make sure that the development caters for suitable lending. Amazing. Thank you as a new time in a sort of young person trying to enter into that buying of the property market I've learnt a lot from you today so thank you very much. It's my pleasure. Sure. Well there you have it the lowdown on how to finance your dream property on an estate. The other option is of course to win your dream home no finance needed and you can only do that if you enter the winner home grand prize competition in the multi-million round homes currently being finished by the design duos on the IE of Africa estate. All you have to do is log on to private property.co.za click on that winner home logo and answer a very easy question. Now it's time for us to take a quick break when we return it's time for those duos to stop lounging about. It's good to have you back with us on Winner Home on Afternoon Express on this chilled Friday afternoon. There are no problems with the technology and passion into the all important lounge space. Let us know what you guys think of the efforts on social media using the hashtag winner home while I pay our design duos a visit. Team Habitat needed to add one final flourish of their audacious design and the lounge will showcase their knack for functionality . How's it going? It's going but there's a lot more to get going on. This lounge is the last challenge in the competition. What was your initial vision for the space? The most important vision was to join all the rooms together and we wanted to create a maze situation so when you walk in it's not only a kitchen but also a guest focal point in each room. Last time you guys served me a milkshake but apparently by the end of this lounge challenge I'll be served something slightly stronger. Oh my absolutely in the Caesar stone bar. So we're going to in that corner we're going to have a fully Caesar stone bar and it's going to look amazing with the space bedroom and pull the Caesar stone on the wall off the wall to be cut into the bar. At the moment I was thinking a lot of wood a lot of neutrals where's the razzle dazzle? That's on the way we're definitely getting some razzle and dazzle. Yes mirrors are going we've got mirrors coming up on the ceilings the pillars so that's going to be dazzling. When you heard about our table it's coming in any more grass like fake grass or fake plants. I don't think I want to know guys just get it done in Dustin remember the feedback from the judges from last time even though you won the last challenge the details are the most important thing for you guys so make sure it's spic, span, neat and let's win the final challenge. Absolutely good luck you too thank you keep relaxing so their vision includes big puffs of colour but where is it? Okay so it seems like Team VC are maximising space and taking minimalism really seriously. Yes and no. The stuff is still coming I hope. Yes there's quite a few things that need to come in here but we do have it all on site we're just waiting for the painting to be finalised and then we can start the painting technique the loading here now you've mentioned your paint technique paint a vision for me of what it's going to look like well on our wall we want to play with geometric shapes so we're going to use squares and blocks in different colours and in different positions which gives you something beautiful to look at as you're lounging around and it's definitely a conversational piece one other thing I've noticed is your mirror over here they're great assets to try and make a space look bigger we're going to use mirrors in the home we're going to put the mirrors on the wall in order to reflect our one brick because if we're going to have a one brick and we're also going to use the mirror to create like a double volume type of space to reflect you when you are standing in the kitchen I can't wait to see the space just unfold into this magic concrete jungle lounge can't wait for you to see it Yes Team House and Leisure have had a stressful time in the last few challenges but with the lounge having a ton of fun Ladies and gentlemen welcome to the game show of Team House and Leisure the game is called Pick a Box Inside each box is a grand prize let's see what we've got Oh cool guys I like these what are they? They are pendants and also microphones You can use them as a market wall I'm pretty sure that no kids can live in this house So those are great So you guys have got a lot of colour going on in the space I'm seeing three different light pendants I'm seeing green walls red walls white walls yellow walls blackish away glasses No Danilo What we tried to do is go bold this time around because in our past rooms we've been a bit too muted so we thought what's the wisdom that can happen let's splash that plastic colour we could lose The lounge on Winner Home So this space needs to really wow the judges because it will tie everything together What are the factors in here that you're hoping that they'll notice? We're going very minimal so it's good to be like this How is this minimal? So I think the judges will notice that designer pieces which are very unique in the sense that it's not store bought pieces We selected each item very carefully and curated well for the space Well you two look very chilled the space is looking one thing remains Go back to work! Sofa? So good but these viewers better work work work because next week you and I are going to want to see some fresh dynamic lounges that still have that element of coziness we all love Best you be in your lounge and in front of your televisions next week Friday at 4pm where our judges decide the winners of the final challenge Also remember that you've only got until Sunday the 29th of October to enter to stand a chance to win your choice of one of the three decorated homes Just visit privateproperty.co.de Click on that winner home logo and you can enter every day to maximise your chances of being our grand prize winner I'll see you again next week same time same place 4pm on sabc3 All that's left for me to say is good night Search for a home on any device anytime anywhere Made with love by Clover Never feel good production