If you use masonry paint, we could head in a warm greige direction for all of it - not so yellow . .. something that can give you a bit more contrast against the white windows and trim - even 40 does a lot for us . . . what about a blue green gray? You will get a coastal / mod vibe and it will relate to the farmhouse look .. .above bm silver mink http://www.benjaminmoore.com/en-us/paint-color/silvermink and below . . . gilbraltar cliffs . . http://www.benjaminmoore.com/en-us/paint-color/gibraltarcliffs Shingle look siding on the side dormers would be neat to get that cottage mod. . . you can stick with yellow but I don't think it complements the roof tone. With the blue-green grays, the white windows and trim will really pop beautifully. . . You can also go more neutral with a warm gray - greige . . . here's the siding tone http://www.benjaminmoore.com/en-us/paint-color/capemaycobblestone paired with this for brick - http://www.benjaminmoore.com/en-us/paint-color/graystone potential future red windows . . .aluminum pits over time, so if you have just one side you want to try, you don't have to powder coat, you can take a small brush and just do them by hand with latex paint if they are 10 yrs old or more. . . one advantage to gray . . future see [houzz=]

And I would be planting trees – real trees not dwarf versions of trees and no more palms (unless you want to have palm tree themed garden – in which case a lot more palms are needed). I am not advocating planting forest giants but there are trees that will provide shade, shelter and a sense of scale that you won't get from yuccas and buxus and mondo grass and succulents alone. But before you start buying those trees you have a few decisions to make and a bit of analysis to do. 1. Orientation – you need to understand the basics of winter sun and summer sun, how much westerly sun you welcome and how much you need to shelter from it; where your prevailing winds blow from and whether this changes with the season also. So, once you've worked out where you want the sun to penetrate and at what time of the year, how to allow for wind, frost, whatever... you need to 2. Decide if you want a predominantly native garden, a range of deciduous trees or a completely eclectic selection (like the best 'English' gardens – which are planted out with plants from all over the world – Indian subcontinent, Asia, Africa, The Americas etc. Even some from Australia!). 3. Now the tricky bit – what do you love, i.e. which trees and plants make your heart really sing – and hopefully for more than two or three weeks of the year? Once you have that list which of those are likely to be happy in your climate, in your soil and with the amount of gardening attention (watering, feeding, pruning etc) that you're likely to enjoy lavishing on them. Your long list will by now be a much shorter (and more manageable list) but trees are what make a house look bedded in and part of a landscape rather than just sitting out in the open in a way that is both self-conscious and a bit awkward. Although, again I guess you could embrace the suburban awkwardness and go all Howard Arkley in which case keep it all small and suburban... But it is your garden and your house – make it look like what you want your house and garden to look and feel like! Good luck!

Thanks Mel. We'll see what we can do to make the rumpus enclosed - it's probably more of a "man cave" at the moment :) Grandad had a dining table in his current place (which is bigger) and got rid of it because he never used it. He also wants more bench space than he currently has. So, this was a deliberate choice rather than a compromise due to lack of space. You've reminded me now that someone did warn us earlier in the design process about the back and forth between wardrobe and bathroom becoming annoying over time. We don't currently have an en suite so it feels wonderfully convenient for us by comparison. However, that feeling will change if we realise it could have been even better. We did have the en suite off the wardrobe in some designs but have been warned this can lead to dampness in your clothes no matter how well ventilated the bathroom is (especially in Auckland's humidity). Would love to hear people's experiences of this configuration - good and bad. On top of that, there are lovely private bush views to the south so we've tried to make the most of those.

Without looking it up , the new Credit Regulations came in on 1 Dec , and there is a fine of up to $200,000 for every instance of 'irresponsible lending' . The problem seems to be that it isn't defined . So a couple who have been together for 5 years , saved $100k , both on $100k plus , have $50k of cars that they are prepared to sell and drive $5k ones , plus 1 lot of parents has $50k to lend them . A house that is $1million they can afford . But what if the female gets pregnant ? What if he loses his job and takes 2 months to get a $50k job ? What if the parent dies and the lawyer wants the $50k back ( or $37.5k of it to distribute to other siblings ) ? Those clothes trucks that go around the lower income suburbs sell a pair of 'knock-off' designer jeans to a solo mum for her 14 year old daughter . They charge $5 a week for 20 weeks , mum and daughter are happy because it fits their budget . You and I can probably find them on-line for $40 , they might be able to too , but to get $40 might mean missing a couple of meals or not prepaying the power , so they don't . I am a director of more than 40 companies . Probably half of them I own 99% of shares , others I own 33% or 40% or 50% . Pre-Covid , combined turnover was well over $250k a day , my property holdings are well into 8 figures . In June/July when I bought the Lincoln Street property , the mortgage was almost a formality -- I've dealt with the same bank for 35 or more years , have good cashflow and own a reasonable whack of my properties . Almost all have mortgages , and the more valuable ones also have floating charges , but I doubt I am classed as a risky borrower . Tenders close on this place in just under a month , but as it is technically not livable ( a couple of walls have been taken out and additions started -- they have closed it in with building paper and ply and wrap ) , I cannot get a mortgage , even though my intention is make it better , spend up to $1.5mil , and live there for at least 15 years ( I will have turned 70 by then haha ) . So if I do get it , rather than a approx 3.5% mortgage , I will have to get it via Bridging Finance ( at 11% ) , then after a year or 18 months , when everything is complete and Lake Crescent ( my current place ) is hopefully sold , and hopefully the rules have been clarified , I then go the through process of getting registered valuations and applying for a mortgage etc . Assuming Lake Cres sells for around what everything thinks , even after spending $1.5M on alterations , the mortgage should be under $2M and valuation likely to be around $7.5M ( land and stables etc will make up about half that ) , but right now its harder to get that than it was to get funding for Lincoln Street , which depending on exactly how it all pans out , will be $15M plus when complete . Interesting couple of months . This is a picture taken from a spot towards the rear of the property -- a bit clearer than the other ones .