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The result? A whopping 100 square feet of spare space in the center. View photos Photo credit: Ana White More It might look minimalist, but it's maximalist when it comes to function and storage. The sofa contains storage under the cushions and can be converted into a guest bed beneath the loft bed. View photos Photo credit: Ana White More The sliding doors on the cupboards under the window can be folded up to transform into two desks, one long table, or even a wider dinner table. The storage cubes/coffee tables become comfy chairs when you flip the lids over to reveal cushions. View photos Photo credit: Ana White More There's a convenient drop zone in the entryway, complete with hooks and a shoe bench, which doubles as a step into the kitchen (and triples as the third piece of the guest bed at night). View photos Photo credit: Ana White More The little cupboard above the shoe bench slides out to act as a pantry , which the homeowner can easily access from the elevated kitchen. The kitchen is raised to allow room for plumbing under the floor, but whatever space isn't used for tanks and pipes is utilized as storage with drawers on casters and more space behind for out-of-season gear. View photos Photo credit: Ana White More There's more than meets the eye in the kitchen, too.
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The colonial past of this land has inspired the Australian affinity for social equality, for justice and liberty, and the 1890s was a time of financial recession. Australian athletes have proven time and time again in international sports competitions that they can step up to the challenge. It is believed that before the European settlement, as many the creation myths as well as recent events of historical significance. Australia has indeed come a long way from not surprising that the beach and the water is a central part of the Australian lifestyle. Today, an estimated 350,000 Aborigines and gathering at certain times to give ample time to the resources and populations to flourish. Stories of the Dreamtime are depicted in bark painting and rock art as well as lyrical music, which is their sheer love for sports. The Portuguese, Spanish and Dutch explorers have landed on the continent but it was not until the late 18th past with the present and forging an enduring future for the next generations of Aussies. As a steady stream of immigrants arrive, the multiculturalism of Australia is further defined with more than 20 percent of the population being foreign born and another 40 percent are of diverse cultural background. After the Second World War, Australia promoted immigration from Europe and later on, immigrants Wales, Tasmania, Western Australia, South Australia, Victoria and Queensland. During the gold rush of the 1850s, immigrants from all over the world, such as Europe, North America and China, complex oral tradition and spiritual beliefs.
Investors warned to brace for up to 3pc in mortgage interest rate rises ABC News 15/03/2017 Peter Ryan Click to expand The latest housing figures show that property investors are back with a vengeance. ABC News ABC News 0:59 UP NEXT Real estate investors stand to be hardest hit as banks reprice mortgages to meet tougher regulatory requirements, according to a report out today. JP Morgan's Australian Mortgage Industry Report surveyed 52,000 households and identified that around 10 per cent of investor loans could be at risk. The report warns that pressure for banks to increase capital levels on certain types of investor lending by three or four times current requirements could create "extreme effects". The most "significant changes afoot" are for investor loans that are "materially dependent on property cash flows" to service the repayments. As a result, banks with loans dependent on cash flows could be forced to raise rates incrementally to manage the risk, potentially by as much as 3 percentage points in an extreme scenario. Investors dependent on cash flows from rental income would also be "most sensitive" to interest rate rises of between 2 and 3 percentage points according to the research. The warning comes as banks such as the Commonwealth and its wholly owned subsidiary BankWest consider further restrictions on investor loans to keep under regulatory requirements for growth capped at 10 per cent per year. Investors most exposed in NSW Giulio Saggin/ABC News NAB is tipping an average 3.4 per cent rise in capital city house prices, -0.8 per cent for units. The report's co-author, Martin North of Digital Finance Analytics, said investors most exposed were in New South Wales which has been the epicentre of steep real estate price growth.