 Follow three talented young designers as they transform three empty apartments on Valdivia State into dream homes using finishes provided by Cesar Stone and Plaskon. Cast your vote on privateproperty.co.za and stand a chance to win one of the completed apartments worth more than three million rand. Welcome back to Winner Home on Afternoon Express. Now there is less than a week left for our design contestants to complete their master bedrooms. Recently they met up with their mentors to go through some ideas that will hopefully push their master bedrooms to the next level. Menently, show me where you're at, where we've got you on the main bedroom. I think we on track at the moment so the floor is in. We're lucky enough to have the floor installed at the same time as the other bedroom. Luck's got nothing to do with it. But how do you work the luckier you get? So I've made sure that the floor is protected so that it doesn't get damaged when we work on the rest of the stuff. At the moment we're working on the mural. So tell me about the mural, that's what I'm most excited about. We got in touch with Nabeah, you're going ahead with that. Yes, yes, Nabs is on sides are working on the mural. We're going for that distressed look which is bolder than what we had for the guest bedroom. Yeah, we need to make Plaskon happy, show them what we can do with their bed. So I'm very happy about that. And then I guess it's a matter of just waiting for everything to arrive. I mean it's a bit air-raising with the bed coming in from Durban. The bed is like one of my main worries because it's literally gonna make or break the room. So I'm very stressed about that getting on sides. I think it's worth the stress, Menante. That bed's gonna be beautiful. Obviously it's picking up on the same theme as your initial bedroom. Slightly different though. The dove gray I think is really, it's gonna be a little bit more serene, a little bit more calming than the guest bedroom. Even though we're taking a similar idea with the guest bedroom, so everything is gonna go into me. You and I know how much time we spend in our bedrooms. It's not just about sleeping. It's about relaxation. It's about function. It's also about getting ready for the day every morning. So you need to have everything at your disposal so that you can face the world. Also just because of the site where it is, where Valdavi is, you want to be able to spend as much time on that beautiful estate. So adding in a few functional elements where people can work from their bedrooms. Also maybe you don't always want to read in bed. You take your reading quite seriously. You want to be able to sit in a chair. So I think for me that's the importance of this bedroom. It's stylish but it's functional. It's also the big thing about bedrooms for me is that they do have to be soothing. It has to become a sentry. So not too tech heavy. Pull back on the tech but again it needs to be hard working. That means I better get hard working myself. Agreed. A few things happened but I think I'll be able to make it. Oh I'm sure just talk me through it and maybe we can find some solutions. So the exposed cupboards are a bit too long. The one is fitting but the other one is way too long. I'm sure your handymen will sort it out and you've got a bit of time. Yeah. Just make sure that you've got a good finish on where the two paints meet each other. Yes it is. And I think one of the most important things to remember is you are not decorating. You are creating a lifestyle for somebody who wants to live on this fantastic estate. Yes. And just keep in mind that some real person actually has to live in this place. Okay so tell me what is still left to do. I need to figure out how to do that quickly. The exposed cupboards and then my concrete benches are cut too long so I need to send them back. At least they were not cut too short. That would have been a bigger problem. I still need to style a bit and use the right bedding. I'm not sure yet what color I'm going to go through. I can definitely help you. I think for a bedroom you need like that little bit of unexpectedness on the bed. Maybe two colors that we go with. And good quality. The whole look that you're going for is understated. Really good quality so it doesn't look flashy but it is just fabulous to live in that space. Right how's it going? Yeah so the fence on the wall is looking great. At least I took just perfectly. The scissors to own bedside tables are arriving soon and we've taken that same scissors to own through to the main dressing room. We're just going to swap them in there. Okay have the bedside tables arrived? Yeah they will arrive soon so I'm quite happy with them. They look gorgeous. And tell me about the craft house tour. Has it finally come together? It's so amazing. Michelle it's just such a beautiful piece. They're based in Strand. It's marina wool and it's just going to be a salad. Not good so that whole natural organic beautiful soft look at the base of the bed. And also with the Lisa Furrow clay that we have there. I mean those art pieces are just so stunning. Now we wanted to talk about the rug for the bedroom. I wanted to suggest to you that maybe you look at moving that rug into the dressing room area so that you've got this beautiful quiet sanctuary and walk into this lovely soft space and then into that spa like bathroom. It's a great idea. Yeah it really is. And how's the dressing room doing? Okay I'm still waiting on confirmation for the Ottomans. They have that black leather that we spoke about. Yeah so we have that thread going through again. And we have the metal rods and they're going to look amazing. They are a little bit away from the wall so we can allow for different doors to be put in at a later stage. Down the side? Basically this whole building cupboard is floating in the air. I think it just adds that beautiful anus to the space. It has a beautiful panelling on either side. So what I loved about your design which I think you should work through and do fully is take that whole wall feature up and across the ceiling and down again. I think it just created this amazing room within a room. I also love Brunt's idea for a design for the pole that doesn't quite go to the end. So it doesn't mess with the catting on the side. All of those details really count. So I think the dressing room needs to be... Pierce or resistance? It does. You've designed it beautifully so go for it. All you have to do now is meet that deadline. Yeah I think it's going to be amazing space. Good. They better get their move on. Only three days left to complete those master bedrooms. Now paying off a home loan is a very expensive endeavor especially in today's economic climate. Luckily we have our finance expert to help us out. Due to general increases in the cost of living, home owners and property investors are finding it increasingly difficult to keep up with expenses. Home loan repayments being one of them. We have Tim Iconusi with us in the loft who is the head of sales and client value management at Nedbank Home Loans to guide us through the steps to take when it comes to protecting your homes when facing financial challenges. Welcome back to the loft Tim. Thank you very much. So one of these financial challenges we mentioned could be losing your job. What steps does one take in that situation? So Bonnie when we grant your home loan we know that it's a 20 to 30 year commitment and we expect that because it's a long period of time you may run into some financial difficulty. So as a bank what we've tried to do is to create options for individuals to be able to ride out the storm. And we have both short term options for clients who face difficulty and as well as some long term options as well. The first thing I'd like to state before I get into the options is clients should never go into default because the implications for that are quite dire and they have long term implications for that. So they'll affect your ability to get credit in future when your situation does improve. So the first thing I would suggest is for clients to come straight to your banker and talk about your financial difficulty and understand it from a long and short term perspective because if it's a short term difficulty then what we can do is restructure your entire loan which in essence is about reducing your repayments and extending the time period that you would need to pay back the loan. If you believe that the long term effects of your financial situation will continue to persist then I would suggest that you contact us and we have a product that we can help you sell your house and it's called the net bank assisted sale. And in essence what we'll do is put your house on the market for you and help you get the most amount of our value for it. And whatever the shortfall is we will then go a step further in forgiving 50% of that debt. So as a result of that you then preserve your credit history and your credit health and you're still able to get the most out of the property that you had initially. So what if in this instance the financial situation doesn't let up? Bonnie the first thing that we would advise our customers to do is to speak with us because we have financial products that will help them ride through the storm. And one of those products is a restructure program where we basically would restructure your accounts and reduce your monthly repayments and extend the period that you'd pay the loan over. And over the last couple of years we've helped more than 16,000 customers restructure their accounts and help them get back in their feet and to continue with the repayments of their mortgage loans. The second thing that we also have is a net bank assisted sales program which aids customers and helping them to sell their homes and to get the best value for it. So we've helped over 4,000 individuals sell their homes through the net bank assisted sales program and that's helped preserve their credit record. Thank you so much Tim. Thank you. Don't fear when net bank is near. They're here to help you along the way and make sure you are taking care of. For more information visit www.netbank.co.za forward slash home loans for more information. Sure, so fascinating. I'm taking notes and I hope you are too. Now just remember quickly that you haven't until Thursday the 14th of July to vote for your favorite design contestant's master bedroom and you stand a chance to win by doing so. Here's how. It's not called win a home for nothing. You the viewer can win one of the three completed apartments at the Valdivia state, valued at over 3 million rand by voting for your favorite design contestant's master bedroom on privateproperty.co.za. Win a home is proudly brought to you by private property and association with net bank.