Where is your house? Low maintenance plants depend on the zone. I wouldn't plant in your rock skirt. Ideally you'd put your rock skirt around the house and then planting beds outside of that. The skirt keeps mud and dirt off the house and let's you spray for bugs etc. since your skirt runs right up to the driveway on that side, I think your options for plants would be some large pots or window boxes. I'd paint your foundation the same color as your grout in the brick to help it blend in.

I would consider a small retaining wall perhaps 2-3 planks high this will provide support to the bank but also allow the pathway to remain clear and formal. The ferns seem to be doing well but could do with a tidy up. I would also prune the tree so it allows a bit more light into the section to help prevent dampness, you also want to take it away from the house, without destroying it's natural shape. As ferns seem to naturally want to grow there, you could continue that theme. Perhaps some other shade / cooler temperature type plants with some flowers could be a good addition. I am not sure which plants can tolerate the cold Dunedin winters, so you best contact is your local garden centre. You want plants that are lush all year round. Also have a look at other plants growing in the neighbourhood as that will give you a good idea of what does and doesn't do well in your climate. Good Luck.

This thread deserved more attention. The layout was pretty good too! dart, pest spraying service

Ouch, Lancewood! Nice read, FORM :)