Inside & Out Magazine 2021

INSIDE and Out MAGAZINE 2021

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4

CONTENTS 3

MARKET BOOM

4

WHAT’S NEW

5

SELLING ADVICE IN A ‘HOT’ PROPERTY MARKET

7

SET THE TONE WITH FLOORING

9

MANAGING FINANCES IN A PANDEMIC

11

IT’S NOT ALWAYS ABOUT THE $$$

13

MAKE IT SUBTLE

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14 HISTORIC BEAUTY ‘LAVERSTOCK’ 17

CREATE A SHOWSTOPPER

18

QUALITY MARKETING FOR BEST PRESENTATION

20 WINDOW TINTING 23 CHOOSE FUNCTION AND BEAUTY

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14

25 GET IN THE GARDEN 27 STAYING COOL AT HOME

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Our cover Leesa Muir

GENERAL MANAGER & ADVERTISING

Bryanna Rossow CADET JOURNALIST

Our amazing front cover photo features ‘Laverstock’ on the corner of George and Macauley Sts in Deniliquin is currently listed for sale with Elders Residential Real Estate Deniliquin. Read more about the home including its rich history on pages 14 and 15.

Nicole Fraser ADVERTISING

Zoe McMaugh

Laura Green

John Thompson

CADET JOURNALIST

SENIOR JOURNALIST

CADET JOURNALIST

Rebecca Flisher GRAPHIC DESIGN

Inside & Out is a Deniliquin Pastoral Times publication.

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Market boom

DENILIQUIN’S PROPERTY MARKET IS ‘‘THE BEST IT’S EVER BEEN’’.

According to property analytics firm Corelogic from the last 12 months, house prices have risen an average 17.7 per cent in regional Australia alone. Deniliquin itself has seen a median sale price of $265,000 — an increase of 17.39 per cent — far outstripping the nation’s capitals, which saw a combined 12.4 per cent increase.

‘‘In the past, all the spikes we have seen have come from short term things like government stimulus,’’ she said.

Demand is also evidenced by how long a property spends on the market. In August 2021 it was an average of just 30 days, far below the state-average of 44 days that same month.

The strength of the housing market has also contributed to the local economy, according to Mrs Carmichael, offering a much needed boost to local industry as buyers and renters seek to make their space their own.

Local real estate agents say that a combination of government grants, COVID-19, and an increase in rural migration, are behind the recent surge in demand.

‘‘When COVID hit, demand just went nuts,’’ said Denbrok Constructions director Troy Denbrok. ‘‘We’re only just catching up (to demand).

‘‘It’s the strongest the market has been in decades,’’ said Big River Real Estate principal Angela Carmichael.

‘‘At the moment we’re booked out about three months in advance, but earlier in the year we were booked as far ahead as 12 months.

‘‘What’s most exciting for us is that the market is being driven by local buyer groups; including first home buyers, first-time investors and people from regional and city centres who might be looking for a tree-change.’’

Approximately one third of Big River’s current enquiries are from residents of larger regional centres (such as Echuca and Wagga), or larger cities. The other two thirds are made up of local first home buyers, upsizers, and investors.

Mrs Carmichael said the fact that there is ‘‘no single factor or party’’ contributing to market growth means that the likelihood of a sudden downturn is unlikely.

‘‘But in the past two years, when the market is as good as it’s ever been, there are so many factors and different buyer types involved that it’s unlikely any one factor could affect the current trend.’’

‘‘Things have started to settle down at the moment, but the way things are looking demand’s probably going to increase again. ‘‘We’ve got enquiries coming in all the time.’’

Mr Denbrok added that there was strong demand from both residential and commercial interests. ‘‘I’d say it’s about 70/30 in favour of residential’’.

The Federal Government’s HomeBuilder grant, introduced mid-2020 in response to the COVID-19 outbreak, provided one-off payments of $25,000 for new builds or renovations in excess of $150,000.

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“What’s most exciting for us is that the market is being driven by local buyer groups; including first home buyers, firsttime investors and people from regional and city centres who might be looking for a tree-change.”

- ANGELA CARMICHAEL

Ceramic birds with wire legs, Leaves & Vines Nursery, Deniliquin, $13.99.

Jax Double Quilt Cover Set, Central IGA, Deniliquin, On Sale Now $39.99 (more than 40% off ).

Pelican planter pots, Leaves & Vines Nursery, Deniliquin, $27.50-$32.95.

Maine & Crawford Hazel Storage Baskets with/ Handle White, Mitre 10 Deniliquin, $76.99.

What’s new…

DWBH Homewares Hand Woven & Embellished Cushion, Sage, River & Grain, Deniliquin, $52.00.

“Happy is Pink” framed painting by local artist Fiona Waters, Cotton Gum Gallery, Deniliquin, $650.00.

LaVida brass classic pineapple spreaders, River & Grain, Deniliquin, $12.00.

Welcome Home - Myquillyn Smith, Deniliquin Newsagency, $42.99.

“Succulent in cobolt” framed painting by Eve Sellars, Cotton Gum Gallery, Deniliquin, $500.00.

Dried flower arrangements, Deniliquin Florist, Deniliquin, from $80.00.

Frankie & Me sustainable bamboo cups, plates, bowls and more.

Deniliquin Newsagency, Deniliquin, from $4.99.

Bronx King Quilted Quilt Cover Set, Central IGA, Deniliquin. On Sale Now $64.99 (more than 30% off ).

Evoke Carnival White Transitional Rug 254, 230cm x 160cm, Menadue’s Floor Coverings, Deniliquin, $180.00.

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Ecology Cove Sea Green glassware sets, Mitre 10 Deniliquin, from $30.99.

Karndean Design Flooring new range, Menadue’s Floor Coverings, Deniliquin. See instore for pricing.

The Artist Lab - Inkheart - Eucalypt Protea

by Australian Artist Mahlah framed print, River & Grain, Deniliquin, $120.00.

Selling advice in a property market

'hot'

IN HIS 40-YEAR CAREER AS ONE OF DENILIQUIN’S LEADING REAL ESTATE AGENTS, LESTER WHEATLEY CAN’T RECALL THE PROPERTY MARKET AS STRONG AS WHAT’S BEING EXPERIENCED RIGHT NOW.

H

e puts it down to a combination of factors – mainly low interest rates and the impact of COVID prompting buyers and investors to look for property outside of cities.

Elders Residential Real Estate principal Hamish Thomson says it’s simply a case of “supply is short, and demand is strong!”

“When there’s a lack of supply, the price goes up, and that’s what we’re seeing right across the country. I’ve never seen properties moving so quickly and at such strong prices. It’s great if you’re looking to downsize or make a tree change, but you still need to find a home once you sell,” Hamish said “I think it would be a fair estimation to say the market is 20 to 25 percent up (since the onset of COVID), and that has its obvious benefits for sellers. I’ve never seen house prices drop in Deniliquin; they can plateau, like we saw at the height of the Millennium Drought, but right now there are very positive signs.”

Hamish and Lester - and their newest business partner Sam Hall - have put together some key pieces of advice for local homeowners to consider:

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Property presentation

Property presentation is key to maximising sales potential. A poorly presented property can devalue your home by up to 30% in some cases. Give yourself plenty of time to prepare your property for sale, which doesn’t necessarily mean spending big dollars. Ensure

your home is clean and presentable, with well-kept lawns and gardens – first impressions last! If needed, we can link you with our extensive network of trusted local tradespeople who will do a wonderful job with your improvements and at the same time offer value for money.

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Don’t be pressured into selling

A strong market can bring with it opportunists within the profession, who may come knocking with ‘buyers waiting’ offers. DO YOUR HOMEWORK first before agreeing to anything. Contemplate the market, look at comparable properties and seek professional advice – a market appraisal from a trusted, experienced licensed agent is essential.

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Be wary of ‘private sales’

The only way to understand the true value of your property is to ‘take it to market’; if someone comes knocking on your door, it may seem a reasonable offer if it were 18 months ago, but in the current market it’s probably well under the mark (in other words, they’re looking for a bargain!). We’ve seen examples where people have accepted offers privately and we know they could have achieved a better price with our guidance. There are many examples where our agency has exceeded vendor expectations, ranging from $30,000 to $300,000; this won’t be the case every time, but you need experienced professionals involved to realise your property’s true potential. We

eldersdeniliquin.com.au

Leaders in Real Estate RESIDENTIAL, COMMERCIAL, FARMLETS & PROPERTY MANAGEMENT Contact Sam Hall 0408 425 777, Lester Wheatley 0419 629 200 or Hamish Thomson 0419 532 259. Available 7 days per week.

Real Estate

173 Cressy St Deniliquin 03 5881 1000 5

“When there’s a lack of supply, the price goes up, and that’s what we’re seeing right across the country.

I’ve never seen properties moving so quickly and at such strong prices. It’s great if you’re looking to downsize or make a tree change, but you still need to find a home once you sell.”

- HAMISH THOMSON

also receive constant feedback from buyers that they prefer dealing with an agent.

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Marketing campaign

A professional and disciplined marketing campaign utilising a range of platforms is essential. Industry evidence shows that newspapers are still a key in regional areas, but we also utilise about eight prominent real estate websites, Facebook, videography (virtual tours), drone footage, and the good old fashioned sign boards. We put together a marketing schedule and guide you around the timing of the campaign, so it hits the intended audience.

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Agent network

Ensure your agent/agency is well connected with an extensive local network. The bigger the portfolio, the better chance of a successful sale. Our entire Elders team has strong local connections, which is a big benefit to a vendor.

For more professional advice, contact either Hamish, Lester or Sam at the Elders Real Estate Deniliquin office on (03) 5881 1000.

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Deniliquin Newsagency & Bookstore 249 Cressy Street, Deniliquin. Phone 5881 2080. www.deni.com.au

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Set the tone with

flooring

YOUR FLOOR IS THE LARGEST BLANK CANVAS IN YOUR HOME, SO CHOOSING THE RIGHT COVERINGS IS EXTREMELY IMPORTANT. IT CAN HAVE A MAJOR IMPACT ON THE OVERALL LOOK AND FEEL.

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hether you prefer timber, engineered or solid, or luxury vinyl, laminate or carpet, the team at Menadue Floor Coverings have you covered.

Or maybe you want to try your hand at a bit of DIY — Menadues can also help you out with that.

‘‘While engineered timber has been gaining popularity, vinyl and hybrid planks still remain the most commonly purchased flooring. ‘‘This is because it is affordable and suitable for everywhere in your home.’’

When it comes to bedrooms, carpet remains a popular choice.

‘‘Nylon is soft to touch, affordable and has good stain resistance,’’ she said.

But maybe you are unsure of what type of carpet is best? Dimity says sales remain 50/50 with nylon and wool carpet, as both materials have great benefits.

‘‘While wool does have a larger price tag, it naturally repels stains, retains appearance for its lifetime and is fire resistant.’’

Another trend that has been gaining energy in the world of flooring is DIY floors.

Dimity and Leigh Strongman are experts in flooring and can provide advice on the current trends.

‘‘People are having a go at DIY vinyl and hybrid plank floors.

According to Dimity, timber is still on trend, with engineered timber starting to gain more momentum this year.

‘‘It is cost saving and you can install in your own time.’’

So whether you are renovating or building your dream home from scratch, Dimity has a top tip for you.

This is due to its affordability and durability. ‘‘It is a floating floor, so it will move with your house if there is any movement, which means it will not crack or warp,’’ she said.

‘‘Make sure you start in one area, make a selection and go from there, otherwise it can be a bit overwhelming.’’

For more expert advice on all your flooring needs, visit the friendly team at Menadue Floor Coverings at 58 Hardinge St, Deniliquin.

‘‘The areas of your home that solid timber and engineered timber are suitable for are all areas, excluding wet areas.

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• Equipment Finance • Home Loans • Refinancing • Personal Loans • Motor Vehicles • Working Capital Loans • New & Used, Private Sales • Commercial & Residential

CHANTELLE SHEVELS BROKER

E: chantelle@grassrootsfinance.com.au

P: 0427 629 522

ALISTAIR McNAMARA Electrical Contractor For all Domestic, Rural, Industrial & Commercial Service

Mobile: 0428 629 329

Email: liz_regan@bigpond.com • PO Box 598, Deniliquin LIC No. EC 31362

•

A.B.N. 86 712 537 550

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finances

Managing in a pandemic

WE’RE NOW ALMOST TWO YEARS INTO THE COVID-19 PANDEMIC, AND THAT HAS HAD AN IMPACT ON VARIOUS AREAS OF OUR LIVES. THE SOCIAL IMPACTS HAVE BEEN EXTREMELY DIFFICULT, BUT POSSIBLY THE MOST SIGNIFICANT IS THE FINANCIAL IMPACT.

D

on’t bury your head in the sand; open communication lines with lenders is the best response.

All financial institutions have policies and procedures in place for these situations.

They are willing to work with you and in some cases fees and charges can be waived.

If you’re suffering from financial hardship, speak with your broker. They are trained to support you during tough times and will be able to help you find the best way forward. Relationships are still key to your success, and you need to trust the person you are dealing with.

A broker will constantly develop strategies for financial sustainability and negotiate the best outcomes for you. Refinancing is just one option you can explore.

Your home loan might have been great when you first got it, but banks are competitive, rates change, and lending products evolve.

Your home loan might not be working as hard for you as it could be, and it could be costing you money. Perhaps it’s time to review your mortgage?

The benefits of refinancing are:

• •

Lower interest rates or a reduction in fees and charges;

There are costs associated with refinancing, but lenders are now rebating this to attract new clients, thus making the exercise cost neutral.

Independent award-winning brokers reviewing your loan on an annual basis;

•

Unlocking equity in your home for renovations or investments;

•

Lower repayments; and

•

Debt consolidation – you might decide to consolidate some of your other high-interest debts such as credit cards into one mortgage with a lower overall interest rate. This means you’re paying lower interest and in many cases, you can even reduce your monthly repayments, which frees up your cash flow.

Is a home loan refinance right for you?

There are many reasons to refinance your home loan but make sure you get a quote from a mortgage broker before you jump into anything.

You need to be sure about what you’re hoping to achieve by refinancing.

Discuss your goals and aims with your mortgage broker before making a final decision.

Who has the best home loan? It is the one question a mortgage broker hears all the time.

Consider the potential savings if the difference between the two rates is 30 basis points on a $600,000 loan over 30 years.

The best home loan is the one that suits your individual needs and circumstances.

Everyone’s financial situation is different, so trying to copy the home loan solutions they’ve chosen might not be the best option for you.

For example, $600,000 at 3.99% is $2,862 per month, or at 4.29% is $2,966 per month — that’s a difference of $104 per month, and a difference of $37,682 in interest over the life of the loan.

You need to consider what will fit your personal budget, your own goals and your own needs.

Fixed or variable rates?

That is the million-dollar question, and the answer depends entirely on you.

Banks offer packages that can meet your needs. Your mortgage broker will know which packages would suit your personal budget and circumstances. Speak with your mortgage broker about what options are available for you.

In some instances, you could reduce your interest rate, consolidate other debts or perhaps even free up some extra cash. You might find that refinancing could save you thousands of dollars in fees and interest charges.

A mortgage broker can help you at any stage in your financial journey - whether you’re saving for your first home, or wondering if you’re still getting the right deal with your existing lender.

You can make an obligation-free appointment with us at a time and place that suits you.

■ Chantelle Shevels, CEO, Grass Roots Finance.

Disclaimer: The information in this article is for general information purposes only. It is not intended as legal, financial or investment advice and should not be construed or relied on as such. Before making any commitment of a legal or financial nature you should seek advice from a qualified and registered legal practitioner or financial or investment adviser. No material contained within this article should be construed or relied upon as providing recommendations in relation to any legal or financial product.

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Your house is much more than just a home At Peppin Insurance we understand that homes are much more than just bricks and mortar.

Talk to us about how you want to insure your treasured possessions.

We are here to make sure that if disaster strikes you have someone in your corner guiding you through. On your side, by your side.

03 5881 1866 enquiries@peppininsurance.com.au 130 End Street, Deniliquin

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Daikin Multi Split Systems can heat or cool multiple rooms using only one outdoor unit connected to multiple indoor units. Each indoor unit can also be individually controlled, scheduled and set to the desired room temperature.

A Daikin Ducted System provides discreet air conditioned comfort. It can be installed in a new home or tailored to suit an existing one, and once installed, only the controller, the return air and discharge grilles are visible inside your home.

Specialist Dealer. The Best Air Anywhere.

ID APPLIANCE SERVICE

Air Purifiers Daikin Air Purifiers improve the quality of your air indoors with its advanced technology and ultra quiet operation. Purify the air in your home by eliminating bacteria, airborne particles and odours.

Ian Watt 0417 629 488 PO Box 51, Deniliquin NSW 2710 Email: idapplianceservice@bigpond.com www.idapplianceservice.com.au

ABN 12 480 784 921 NSW Licence No. 63325C Vic Licence No. 15961 Vic Plumbing Licence No. 45120 Refrig Auth No AU05227

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Altherma Hydronic Heating Daikin Altherma Hydronic Heating Systems are highly flexible, energy efficient home heating systems. At the heart of the system lies an innovative air to water heat pump that provides hydronic heating and cooling all year round.

It’s not always about the

$$$

EVERYONE LOVES A BARGAIN. WHETHER IT’S YOUR FAVOURITE CHOCOLATES ON SPECIAL AT IGA OR RIVER & GRAIN PUTTING A JUMPER THAT’S TAKEN YOUR FANCY ON SALE – IT GIVES YOU A GREAT THRILL TO BE ABLE TO BUY A TREAT AT A BARGAIN PRICE. BUT WHEN IT COMES TO INSURING YOUR HOME AND CONTENTS – HOW DO YOU KNOW IF YOU ARE GETTING WHAT YOU PAY FOR? SOMETIMES THE BARGAIN PREMIUM CAN TURN INTO A VERY EXPENSIVE CLAIM.

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number of ‘direct’ insurers will appeal to the bargain hunter in us all touting price and building up extras that actually come standard with every insurance policies such as accommodation after a car accident or incident that renders your home unliveable.

What they don’t point out to you are the limitations that make their policies less comprehensive than others. These little zingers can cost you a fortune if you’re not aware of them. Whilst insurers are not allowed to put these clauses in fine print and they must be written in ‘plain English’ – the way policies are constructed is confusing and rarely plain. What may be defined in one section can be excluded in another and often it’s the interpretation of a single word that enables cover to be denied.

Let me give you a few examples; •

One direct insurer was hauled over the coals recently for including a clause that essentially states that unless your home is built to the latest Australian Building Standards a claim could be denied. The ramifications of this are endless but particularly when it comes to bathrooms and waterproofing. Water damage claims resulting from leaking pipes or shower outlets are very common – mostly in older homes. No doubt these homes met Australian Standards when they were constructed which is enough for most reputable insurers. Meeting these exacting Standards

“Sometimes the bargain premium can turn into a very expensive claim.”

- JUSTINE KEECH

is impossible and the Banking Royal Commission agreed.

•

Recently a client was experiencing a water leak that was affecting the footings of their property. Fixing the leak would not be a problem but finding the leak would be messy and expensive and involved digging up pavers and boring under the slab. Again these are normal expenses covered by most insurers. The client’s insurance had a clause stating that the policy would pay for ‘non-invasive leak detection’. This basically meant that it would pay for a pressure test and perhaps a camera but not to dig up the pipes – leaving the client to pick up the tab.

To offer a cheaper premium it makes sense that there has to be cost cutting somewhere else. This is abundantly true in the insurance game. What we would consider to be standard in a household insurance policy – coverage of glass, breakdown of electrical motors and accidental damage coverage is an add on for many direct insurers and the reason for this is usually because these are the areas where claims occur.

Covering items for loss or damage outside the home is one of the most common claims we process and is still an extra (which can be very limited) with direct insurers.

Today we are more mobile than ever with technology and are carting around more and more valuables – not only 11

jewellery and prescription glasses but ipads, phones and computers. Let alone what’s in the kid’s kit bags for sport or music.

The same goes for contents in your home – collective and individual limits on items such as furniture, artwork or electronics need to exceed what you have. If they don’t then you need to note these items on your policy in order to be covered and will cost you extra.

The best way to make sure you are getting good value for money?

•

Shop around.

•

Talk to a specialist who deals with a number of insurance policies.

•

Ask questions.

Lastly remember the old adage – if it seems too good to be true it usually is!

■ Justine Keech, Peppin Insurance.

Everything you need for inside and out…

Stay comfortable all year round

with your local Cooling and Heating Specialist

SHORT’S

• Tools • Garden • Pots • Landscaping • Maintenance • Outdoor Living • Housewares • Laundry • Hardware • Kitchens • Appliances • Homewares • Plumbing • Bathroom • Electrical • Building • Timber • Paint • Decorating • Sheds • Heating • Cooling

ELECTRICAL SERVICE Ph 03 5881 2179

161 Napier Street, Deniliquin • Electrical

• Appliance Repairs

• Air Conditioning

Lic. 25812C RTA. AU45339.

Quality Manchester and Linens

BELLEVUE

CONTEMPORARY LIVING

330 George Street, Deniliquin. Ph 03 5881 2344. ♦ Doonas ♦ Pillows ♦ Doona Covers ♦ Sheet sets ♦ Bath Towels ♦ and accessories ♦ Stocking Double, Queen and King Sizes.

98 Hardinge Street, Deniliquin.

Phone 03 5881 1322. www.mitre10.com.au 12

Make it

subtle PAINT TRENDS IN 2022 ARE ABOUT NEUTRALITY AND TEXTURE, TO COMPLEMENT A RELAXING HOME ENVIRONMENT.

S

o prepare to move away from 2021’s bold fuchsias and blackberries, and into the subtler end of the organic colour palette.

The pandemic has forced us to spend more time at home than ever, prompting many to undertake projects to transform and enjoy where they live.

A myriad of neutral, textured paint options are heading to home improvement stores, and they’re anything but beige boring.

Wattyl has reintroduced texture to liven up homes, favouring gentle patterns with chalk clay and concrete.

The scale seems to be sliding away from plain whites and pure greys for interior walls, placing value on how the colours and textures of our ‘four walls’ play on that of our decor.

As the nostalgia for mid-Century furniture ripples into current home design, neutrals as we know them will be set with warmer undertones.

Warm pastels will find their place in 2022, particularly as complementary tones to cool-coloured furniture, and as subtle feature walls.

Chalk, stone, ceramic and pearl are all gaining popularity.

Trendsetters are turning to deep greens for larger spaces, pairing them with lighter wood, ceramic and rattan furniture and decor, plus ‘lots of greenery’ to cocoon those who love a cosy yet fresh-feeling home space.

Simple yet eye-catching handcrafted art or objects, or an eye-catching painting on these darker walls will keep the space feeling large, light, and interesting.

Bolder colours will still be available for those who want bright and ambitious when they walk into a space, but will look to be nature-inspired.

If you prioritise beauty, elegance, and mindful time spent in your home, this might be the pick for you.

Greens denoting ‘gum’, ‘celery’, and ‘mangrove’ sit squarely on Dulux’s palette, whilst popping reds and pinks provide that floral touch in rich fuchsias and scarlets.

DIY your space

Bronzes, sands and golds might seem daunting to mix easily into a space, but the latest advice is to trial them as feature walls, in rooms with heavy wood tones.

While pure white walls might be out for now, reliable details such as trimmings, shelves, frames and more will still need a bit of pearly, ‘brilliant’ or off-white attention.

If you want something which ‘shines’, look to Dulux’s premium range, featuring a delightful copper which can be applied as a solid colour or patina effect to liven up any accent piece.

Tying a couple of pieces together with the same effect, such as vases, coffee tables or fireplaces, can truly brighten a dark space.

Meanwhile, simple, gleaming pearl effects provide gentle topcoats to furniture to make a room shine without demanding attention.

If your painting project is a smaller one, paint brands recommend experimenting with vivid colours and patterns.

Metal shimmers, chalk, and chalkboard paint are all unique offerings of this year’s palettes.

Concrete effects also play well with the latest earthen themes, adding texture to smooth surfaces in ‘pale’, ‘onyx’, and ‘rust’.

Deniliquin Mitre 10 stocks a great range of Dulux, Wattyl, Accent, Berger, Cabot’s and Intergram paint and stain options.

For paint and other DIY inspiration, go to www.mitre10.com.au.

Stone effects have an eye-catching grain, ranging from warm eggshell and mocha 13

tones on one end, leaning to charcoal and bluestone atmospheres on the other.

Historic beauty

'Laverstock'

‘LAVERSTOCK’ — ON THE CORNER OF GEORGE AND MACAULEY STS IN DENILIQUIN — HAS BEEN A TOWERING EXAMPLE OF ELEGANCE IN DENILIQUIN FOR 160 YEARS.

F

or the last 43 years, the caretakers of this historic home have been Ian and Cheryl Fuller.

They purchased ‘Laverstock’ in 1978 and have lovingly restored it over a number of decades.

The home retains many of the original features, including two substantial cellars, while new renovations and maintenance has been carefully planned to match the original design.

Formerly a doctor’s residence, lived in by Dr Alfred William Finch Noyes from 1864 until his death in 1902, the property once housed a number of separate buildings.

Two of the buildings, the residence and the kitchen wing, have been joined to create a stately home.

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Large bay windows are a feature of the home, along with ornate detail flaunting old world charm.

The front entrance of the home, which faces George St, boasts original tiles, which have recently been cleaned, levelled and re-cemented.

A large cedar staircase leads up to three bedrooms, two bathrooms and the large balconies which overlook the bordering streets.

At the right of the entrance is the sitting room, which still houses the original marble fireplace.

Other features of the room include French doors which open out into the garden, several large cedar doors, pressed metal ceilings and the original, but restored, Murray Pine floor.

To the left is the dining room which is equally as beautiful.

Hosking’s retirement to Melbourne, he leased ‘Laverstock’ until 1941.

The entrance also leads you to the rear of the house, where a purpose-built hallway brings together the home and the former kitchen wing.

On May 6, 1941 Miss Lorna Darbyshire, who came to the district in 1936 as a French-speaking governess for the Millear children at the property ‘Stud Park’, purchased the house for £850 from Dr Hosking.

It’s been developed into a bedroom and study wing, and the bedroom still displays the original stove.

The property ‘Laverstock’ was once quite expansive, stretching as far back as the Edward River, and the land was first owned by Conargo stockman James Verdon.

He bought the land from the Crown for £2/5/0 on July 30, 1855, and then sold it to George Murray, a builder, on June 3, 1861 for £30.

Three years later, on December 29, 1864, Dr Alfred William Finch Noyes purchased the property for £200, and one may assume that the sudden increase in value would indicate that improvements had been made.

‘Laverstock’ took its name from Dr Noyes’ birthplace in Wiltshire, England.

During the next few years Dr Noyes increased his holdings to include the former premises of Dr Harper’s surgery in George St, through to Charlotte St. The grounds of ‘Laverstock’ encompassed a tennis court, rose garden, nursery, conservatory, stables and surgery.

Just after Dr Noyes’ death, on March 19, 1903, his eldest daughter Ellen Louise married his medical partner, Dr John Edward Francis Hosking.

Dr Hosking then bought the house from the executors on February 19, 1915 for £1160.

Dr Middleton bought Dr Hosking’s practice around 1933 and following Dr

Miss Darbyshire established the Deniliquin College in 1938 and operated it from Harfleur St and the property ‘Aratong’ before moving to ‘Laverstock’.

She lived here with her mother, a former actress and musician. The boarding school catered for up to 23 boys and girls.

Hard economic times led to the relinquishment of surrounding land. Miss Darbyshire passed away in 1990 at the age of 91.

‘Laverstock’ became ‘home’ for the Armstrong family in 1967 and then the Turner family in 1973, and was then purchased by the Fullers in 1978.

And while they love the home, the Fullers said ‘‘the time has come to downsize and pass the baton to Laverstock’s future caretaker’’.

When asked what they love about living at ‘Laverstock’, Ian and Cheryl spoke of the magnificent high ceilings and the joy which comes from viewing exquisite original features such as Victorian iron work, pressed metal ceilings and marble fireplaces. ‘‘The swimming pool, spa and beautiful garden have also provided a fabulous place to raise our family and to entertain our friends. ‘‘It has been a privilege to maintain and improve such an iconic property.’’

Laverstock is currently for sale with Elders Real Estate Deniliquin.

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Dried Floral Designs

Not just your local nursery!

Everlasting arrangements made to order.

WE’VE GOT THE LOT!

• Garden and outdoor living design and creation

• Garden and lawn refurbishment and maintenance • Plant and shrub planning, planting and advice • Indoor/outdoor pots and garden art • Fertilisers, potting mix, compost and more • Bobcat and tipper hire • Obligation free quotes, professional service and advice.

Look to your local….

We’re all over your next garden job, large or small, like compost on a garden bed!

Leaves & Vines Nursery 0429 899 631

Deniliquin Florist 214 Cressy Street, Deniliquin. (03) 5881 6266.

214 Cressy St, Deniliquin. Email kmhhire@gmail.com

Specialist in Structural Steel Fabrication Scissorlifts & Telehandler hire available

MAKING A WELD OF DIFFERENCE

Davey Leetham 0438 647 027 blt_fabrication@outlook.com.au 16

Create a

showstopper THE WORLD OF GARDENING CAN SOMETIMES BE OVERWHELMING. IT CAN BE HARD TO KNOW WHERE TO START, WHAT PLANTS TO USE AND HOW TO TAKE CARE OF THEM.

B

ut never fear, the owners of Leaves & Vines Nursey in Deniliquin — Kasey and Matthew Hilliard — want you to know you are in good hands.

They have some great tips for your new garden. There are so many options, but according to Kasey it’s important you pick plants that look great, but also fit into your busy schedule.

Lomandra – A fast growing native with long green foliage. This plant is tough and will grow in any climate, and needs almost zero maintenance.

‘‘People want something low maintenance, that also packs a punch,’’ she said.

Salvia or garden sage – Also part of the mint family, salvias appear as a colourful spike of densely packed flowers and velvety leaves. They are heat and drought tolerant, making them a great summer plant.

‘‘We’re not just putting in a palm and calling it a day.’’

Adding colour, landscaping and foliage difference is trending right now. Cluster planting, with a focus on feature pieces, is also becoming popular. This is creating a more rustic and relaxed feel, with less repetition of plants.

So what plants are best for the low maintenance garden? Here are some recommendations from Kasey.

Eremophila – A low maintenance flowering shrub, which requires low to moderate water and can range in size from a low growing shrub to a small tree.

Westringia – A type of mint, native to Australia that can be relied upon for rapid growth and abundant blooms.

Teucrium – Also from the mint family, the Teucrium will thrive under a warmer climate and is drought tolerant.

Rosemary and sage – Easy to grow herbs, which look great in your garden and taste even better in your kitchen. These herbs are easy to grow and thrive in warmer environments.

Sedum – Sporting their thick succulent leaves and fleshy stems, sedums are hardy and extremely easy to care for.

Jacaranda Eremophila

Westringia

Teucrium

Rosemary

Sedum

Lomandra

Grevillea

Salvia

Grevillea – An evergreen shrub, with needle-like foliage and incredibly flamboyant flowers. They are fast growing, tough and require little maintenance.

Feature trees – A garden is not complete until you add a feature tree. These can range from jacarandas to flowering gums or crabapples.

All of these plants are low maintenance, drought tolerant and great for the Deni conditions.

“You have the benefit of a beautiful garden, without the upkeep,” said Kasey.

You may even recognise a few on your way into Deni, featured underneath and around the famous welcome sign. If you are not already sold, these plants are also economically better options, giving you the same look with a far smaller price tag.

If you are looking for someone to provide expert advice and take your garden to the next level this summer, give the team at Leaves & Vines a call. They can provide a full garden makeover, from the bobcat to new garden and aftercare. They also do lawns, including hydroseed, normal seed and turf. Call 0429 899 631 or visit in store at 214 Cressy St, Deniliquin.

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• Tree removal • Tree maintenance & trimming • Stump removal & grinding • Mulching • Aerial rigging / limited access

Make your dream home a reality.

• Tree health & hazard assessment • Pest & disease identification & Management • Remote area / travel specialist • 24 Hour emergency tree service

Design, Installation and Maintenance to all Domestic, Industrial, Commercial, Rural Installations, Solar Installation, Data/Comms Level 2 Accreditation

T.A. Maher

ELECTRICAL CONTRACTOR M 0408 994 750 M 0408 588 130

Ph 03 5881 3052

Email: tamaher@bigpond.net.au

Lic. No. 50565C. Authorisation No. 5000016. Austel Lic. No. 21633. Data Comms.

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Quality marketing for best presentation ENTRUSTING A SKILLED AND PASSIONATE REAL ESTATE AGENT LIKE THOSE AT BIG RIVER REAL ESTATE TO MARKET YOUR PROPERTY FOR SALE OR LEASE COMES HAND-INHAND WITH HIGH QUALITY MARKETING.

Y

our home or investment property is likely to be one of your biggest assets, so it’s important that you chose an Agent who is capable and appropriately trained in portraying your property in its ‘best light’.

Showcasing the improvements and highlights of your property is crucial to capturing the interest of one or more potential buyers (or Tenants) and Big River Real Estate have invested heavily in high quality photography and marketing tools to achieve this level of interest.

“Gone are the days of a single kerbside marketing photo” says Agency Principal Angela Carmichael. “Home owners should and will expect more of an Agent in this day and age; so we have raised the bar in the local market which has been to the delight of Vendors and Landlords alike”.

High quality, professionally edited photography and a property floor plan is included in all Big River’s listing campaigns at no cost to Vendors and will

see your property come to life in both tangible and online marketing.

The high exposure Big River office window display demands the attention of those passing-by, showcasing listings in a state of the art LED window installation at their Cressy Street office in the takeaway food ‘hub’ of town.

“Sometimes, a potential buyer may not know exactly what appeals to them (superficially) until its presented to them in property marketing. So we really do understand just how important it is to include as many high quality images of the property in our campaign for a property owner” says Angela.

Combined with the refined negotiation skills and local market knowledge of their Sale and Property Management Agents, the Agents at Big River will have you best positioned to achieve maximum returns.

a free market appraisal considering improvements you have made to your property, mention this advertisement to the friendly staff at Big River who will

If you would be interested in having an Agent visit your property and provide

gladly arrange an obligation free market appraisal appointment for you.

■ Angela Carmichael, Agency Principal, Big River Real Estate.

394 Cressy St, Deniliquin | 03 5881 1755

www.bigrealestate.com.au

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Lic. No. 52733C

Locally owned and operated Old Racecourse Road, Deniliquin Mobile 0427 200 565 Phone 5881 3886 Fax 5881 8754 UHF 37

D DENILIQUIN DUNBAR DUNBAR

Contact us for all your domestic, commercial and rural installations, data cabling and solar installations.

LOGISTICS & REMOVALS formerly Dunbars Removals

• Local and Interstate Removals

Call Barry for a free quote

0401 485 834 03 5881 5414

John 0427 929 973 Jack 0488 135 252

• Safe and Friendly Service • Removal Packaging and Cartons

dunbarremovals@gmail.com barrydunbar@icloud.com

Family business for over 50 years

Email tyndalls@bigpond.net.au

We have a range of window tinting and film solutions for your home The right window film or tinting can help reduce

Benefits include:

heat, glare and sun damage, provide privacy, add a

•

A cooler home or office

decorative element or protect against graffiti. We have

•

Reduced glare

a range of types, colours and grades of film available

•

Greater protection from damaging UV Rays

including Energy Star Rated Solar Films, Enerlogic Films,

•

Increased daytime privacy on most solar films

Safety and Security Films, Decorative Films, Anti-Graffiti

•

Better energy efficiency, lowering energy costs

Films and Night Vision Film.

•

Reduced fading of carpets, curtains and furniture.

152 Napier Street, Deniliquin Mobile Office 20

0438 815 520 03 5881 5521

Window

tinting HOMEOWNERS OFTEN CHOOSE BLINDS, CURTAINS, SHUTTERS OR OTHER WINDOW COVERINGS TO REDUCE THE HEAT PENETRATION OR GLARE IN THEIR HOMES, BUT THERE’S A MORE EFFICIENT WAY.

R

esidential window tint is an energy-efficient option that comes with many benefits, including protection, safety and aesthetics, which can help you reduce your energy bills and keep your home more comfortable.

may even block your view completely, which affects both your work and your recreation. Window tint reduces the blinding glare that comes through at certain points in the day and obscures your favourite television show or computer screen.

Deni Autoglass Tinting 4x4 owner Lloyd Spinks said that tinting your windows can have the following benefits:

Security and safety

Energy conservation Traditional glass windows allow the heat from the sun to penetrate, raising the interior temperature significantly.

With window tint, much of the sunlight and heat is blocked, allowing your home to stay a much lower temperature and reducing your need to constantly run the air conditioner.

Windows on the ground floor are a common entry point for burglars. They simply break the glass and unlock the door or climb through the window to enter your home, which puts you in a position of choosing the aesthetic beauty of your windows or the safety of yourself and your family. While window tint can’t prevent forcible entry into your home, it does hold the glass in place longer

and makes entry more difficult. Along with preventing a potential burglary, this benefit can also help with innocent accidents and natural disasters. Whether your home was hit by a severe storm or a window was broken by a poorly aimed cricket ball, window tint will keep glass from ending up all over the room and causing injuries to you or your family.

Low maintenance Window tint is water resistant on its own, and it’s also available with a scratch-resistant coating. With these features, your windows won’t get a build-up of fingerprints and water spots that require constant cleaning. The result is less work for you, along with beautiful, crystal clear windows.

Privacy

Maintaining temperatures

Glare reduction

Many types of window films are available, with features ranging from additional UV protection to a tint that limits the view of your home from the exterior. If you’re looking for a little more privacy from people in the street, the right window film can shield the view from the outside and give you a better sense of privacy and comfort inside your home.

Glare from the sun can have a significant impact on your comfort and productivity. For example, glare on your computer screen or television can be irritating, and

For professional advice or to get your windows tinted visit Deni Autoglass Tinting 4x4, 152 Napier St, Deniliquin or phone 0438 815 520.

When the heat of the sun is blocked, your home can stay at a consistent temperature more easily. This also reduces your energy use, since you no longer need to run the air conditioner in certain rooms to keep your whole home comfortable.

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24/7 SECURITY

PROTECTION SMART SECURITY SYSTEMS 1080p Full HD up to 4K Thermal detect camera Available in 4 to 16 channel Smartphone control

LEIGH MARSHALL - ELECTRICAL CONTRACTOR

Mobile: 0429 811 220

Packages starting at $349

• Electrical Service • TV Installation • Solar • Evaporative Air Conditioning - Installation & Repairs • FREE QUOTES

VIDEO DOOR PHONE

BATTERY POWERED WI-FI CAMERA

4 CHANNEL HD DVR PACKAGE

2 way audio intercom

1080p HD video quality

4 Channel 1080p HD DVR

Electronic door strike and gate control

Up to 6 months charge

Includes 4x 1080p cameras

Smartphone control and alerts

1TB internal storage

Infrared vision

Solar charging panel option also available

Smartphone control and alerts

Additional monitor support

Complete unit $229

Starting from $199

Complete unit $449

FOR MORE DETAILS PLEASE CALL OR VISIT US! Phone: (03) 5881 7407

03 5881 3555

Email lmarshall20@bigpond.com

Cnr George & Hardinge Sts Deniliquin NSW 2710

Licence No: 258964c ABN: 19866 973491

D

C

M

DENILIQUIN CABINET MAKERS

- Kitchen Cabinets - Vanity Units - Timber Furnishings - Wardrobes - Bench Tops Kelly Street, Deniliquin. Ph 03 5881 2800. Fax 03 5881 2861. Email sales@denicabinets.com.au 22

Choose function and

beauty

KITCHENS ARE THE HEART OF THE HOME. IT IS WHERE THE MAGIC HAPPENS, WHERE YOU CONGREGATE AS A FAMILY AND WHERE YOU HOST YOUR FRIENDS.

T

hey act as our favourite café, bar and restaurant all rolled into one, so it is important that we ensure our kitchens are a place in our home where we want to spend lots of time in.

Keep in mind that these materials are not naturally waterproof, so discuss this with your cabinet maker if being used on any bench top spaces.

Whether you are renovating or starting from scratch, here are some tips and trends that will ensure your kitchens are both beautiful and functional.

While an all white kitchen still remains a timeless classic, adding a pop of colour to the cabinetry in your kitchen is an easy way to brighten up the space and add some fun.

Multipurpose island benches The island bench continues to be one of the most important features in your kitchen.

Warm tones with a pop of colour

Add black or dark charcoal if you are after a more luxurious and chic feel, or blue or green if you are after something with a bit more personality.

From after school homework to hang outs, the island bench has become more than just a place to prepare food.

Cooler tones are a trend of the past, replaced with warm tones which are more comforting and homely.

Savvy storage Storage, storage, storage and more storage!

While it can be a real struggle, especially if you have a smaller kitchen, there are still plenty of ways you can ensure that your kitchen has ample.

Ensure every inch of space from floor to ceiling has clever and concealed cabinetry in varying sizes.

You can use large, deep drawers for everything from pots and pans to pantry items.

Butler’s pantry If you’ve got the space, a butler’s pantry can add extra storage and convenience to your kitchen area.

Make it as big as you can, leave space for some breakfast bar seating and ensure the material is suitable for use and doesn’t mark too easily.

You can store appliances such as your microwave, toaster and kettle in your butler’s pantry or even include a coffee and tea station.

Natural materials The use of natural materials such as timber and stone can add warmth and charm to your kitchen, a trend which has been extremely popular this year and will continue into next year.

For professional advice on installing cabinetry in your kitchen, reach out to the team at Deniliquin Cabinet Makers. With more than 10 years of experience, they will help guide you through creating your dream kitchen.

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Decorate your home with original and unique artwork by Australian Artists.

24 Hardinge Street, Deniliquin.

0418 577 085.

IODutE S IN and

MAGAZINE 2021

• Shop instore or online ~ www.kalisoo.com.au • Click and Collect • Free local delivery

To advertise in the Autumn edition of Inside and Out, call one of our Advertising Consultants Leesa Muir or Nicole Fraser on 03 5881 2322.

homewares gifts plants jewellery 44 Napier St, Deniliquin. Mobile 0435 737 146. www.kalisoo.com.au

MULTITOOLS & ACCESSORIES

Practical MultiTools for the most varied jobs.

Switch between tools in no time.

SEE YOUR LOCAL STIHL DEALER

167-169 Napier St, Deniliquin.

Ph 03 5881 1461. Mobile 0455 593 963.

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Get in the

garden THESE WARMER DAYS ARE A FANTASTIC TIME TO WORK IN THE GARDEN, AND YOUR WORK WILL BE INSTANTLY REWARDED.

D

eniliquin Yamaha STIHL dealer Paul White says fertilising and feeding your garden now will support the plant growth, making now the perfect time to mow your lawn, prune your plants and plant your vegetable patch.

“It is important to use the correct tools when working in the garden,” he said.

It’s also important to pick the right trimmer to suit yourself and your hedges.

Mulch to retain moisture Mulching greatly assists with retaining moisture levels in your soil, particularly leading into summer when rainfall becomes sparse.

“Not only is it safer, but gardening will be easier for you and your garden will be better off.

Shredding garden waste with a STIHL Garden Shredder will help the process of creating mulch and compost and will take you half the time.

“As your local STIHL dealer, we will be able to advise you on the best tools for your garden and what is popular in our area.”

Not only is this a great way to produce a dense, nutrient rich mulch or topsoil, it’s also an easy and cheap way to dispose of your garden waste.

To make sure your garden reaches its full potential and looks beautiful, follow these handy tips.

Prune after plants have flowered Pruning promotes vigorous growth and bushy plants.

The rule of thumb when it comes to pruning is that you should only do it after your plants have finished flowering.

A number of plants flower during winter, so spring is the time to focus on them. But leave your spring bloomers alone until they’ve finished flowering.

Rejuvenate your hedges Now is the time to shape up and bring your hedges to life using a STIHL hedge trimmer.

Regular trimming will give you a nice dense hedge, so this should be done as often as required.

Trimming off the tips will allow sunlight and airflow deep down into the hedge and encourage new lush growth the whole way through.

Bring your lawn back to life As the weather warms up, mowing should be done on a weekly basis. Weekly mowing encourages the lawn to grow sideways, producing a nice thick and uniform lawn.

If the grass is not mowed regularly and allowed to get too long, there will be a lack of sunlight hitting the lower parts of the grass blades, resulting in yellow patches.

If your lawn needs a bit of love after a long, frosty winter, aerating your lawn and removing the thatch will allow rainfall and sunlight deep down into the roots, promoting new, lush growth.

The STIHL MultiSystem has two attachments capable of doing these tasks with very little effort from the user.

Brush weeds away Just as garden trees and shrubs put on a flush of growth in the warmer months, the same applies to garden weeds which also grow quickly at this time of year.

Staying on top of weeds can be a bit of a challenge, however giving them a regular tidy with your grass 25

“As your local STIHL dealer, we will be able to advise you on the best tools for your garden and what is popular in our area.”

- PAUL WHITE trimmer and your brushcutter will ensure they don’t grow into an even bigger problem.

Plant! Plant! Plant!

Take advantage of moist soils, increased sunlight, and warmer temperatures, all of which facilitate the establishment of new plants.

Planting now will ensure that plants have healthy active roots, and become settled in their new homes well ahead of the typically drier months.

If you are adding a large number of plants to your garden, a STIHL Auger will take the backbreaking effort out of creating new holes and take you half the time.

Tree management As the weather gets warmer, tree management involves inspecting and observing changes - especially during dry, hot spells where extra watering may be required.

Tree inspections are an important part of risk management and are carried out on a regular basis, particularly after strong winds and storms.

These are the times we use STIHL chainsaws for any clean-up work required and removing any damaged branches.

“Nest” by Jan Lawler framed painting, Cotton Gum Gallery, Deniliquin, $295.00.

2 Seater Lazio Patio Chair & Side Table Set, Leaves & Vines Nursery, Deniliquin, $252.00.

Colcam Apple and Pear Storage Baskets, Kali Soo, Deniliquin, $90.00ea.

Ecology Speckle 12 Piece Dinner Set, Mitre 10 Deniliquin, $79.99.

Our picks...

Bambora Soho Indoor/Succulent pots, Mitre 10 Deniliquin, from $7.99.

Bowl planter Foliose Coral, Kali Soo, Deniliquin, $35.00.

Mocka Mae cushion Kali Soo, Deniliquin, $60.00.

Hanging Pot Pineapple, Leaves & Vines Nursery, Deniliquin, from $19.99.

Evoke 253 white silver floor rug, 230cm x 160cm, Menadue’s Floor Coverings, Deniliquin, $180.00.

Bora Bora 4 Seater Wicker & Timber Lounge, Mitre 10 Deniliquin, $1999.00.

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DWBH Wood/ Metal Memo Board with Butcher Paper Roll, River & Grain, Deniliquin, $55.00.

Cosy White Cottage Seasons, Liz Marie Galvan, Deniliquin Newsagency, Deniliquin, $44.99.

Staying at home

cool

SUMMER HAS COME! WHICH MEANS IT’S TIME TO PUT ON YOUR TOGS AND GOGGLES AND HIT THE POOL.

H

itting the cool waters of your own backyard pool is the best way to beat the Riverina heat.

And if you don’t have one already, this summer might inspire you to get prepared for next year.

If you are considering installing a pool at your home, there are a few things you should consider first.

Function Before starting the process of installing your pool, you need to have a think about its primary function.

Is your pool purely for cooling, or are you planning on making it more of an entertainment area.

Whatever it is, it needs to fit into your lifestyle and the needs of your home.

Budget Everyone loves a pool, but they can come with a fairly large price tag.

Installation can range from $10,000 up to $100,000, so make sure you have a think about a realistic budget and chat to your pool builder about your options.

You should also think about ongoing maintenance costs, and the cost of meeting local regulations.

Size and shape When planning for your pool, consider what size and shape will best suit your needs.

If you want a more active pool, consider a long rectangular pool for laps.

But if it is just for relaxing, you may consider a smaller pool with underwater bench seating.

Material The most common materials used in pools are concrete, vinyl and fibreglass.

Different materials can impact your budget and installation time, so it is important to do some research on what will best suit your needs.

Placement The position of your pool within your backyard is a very important factor to consider, and should be given special attention.

The optimal position for your pool would be in a spot with maximum sun exposure and minimum wind exposure, however there are other factors that also need to be considered.

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If you have children, for example, you would want your pool to be in eyesight of your house.

Also keep in mind any regulatory requirements including fencing, distance from property lines and drainage.

If you are unsure about any requirements, be sure to contact your local council.

Local regulations Before you get the excavator running, ensure you know all the rules and regulations in your local area for installing a private pool.

In Edward River Council, all pools must be registered on the NSW swimming pool register, which has selfassessment checklists, information about inspections, details of legislation and Australian Standards.

Any pool which holds more than 2000 litres must have council approval, with applications forms available at council’s website — www.edwardriver.nsw.gov.au.

You may also be required to get your pool inspected or certified, make sure to check with the council for more information.

Ziptrak Outdoor Blinds Karndean Korlok Hybrid Flooring

ENADUE

FLOOR COVERINGS

Here for all your Flooring and Window needs, since 1959.

58 HARDINGE ST, DENILIQUIN. Ph 5881 2497

Quickstep Palazzo Timber Cavalier Carpets – Samurai Wool Loop

ex cl u

S Fold Curtains

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e siv

ember to m so f