Have a Window With a Terrible View? Try These Design-Expert Fixes.
A brick wall, cement alleyway, a neighbour’s blacktop driveway—if one of your windows gives you a front row seat to an eye sore, interior designers have a chic solution
A brick wall, cement alleyway, a neighbour’s blacktop driveway—if one of your windows gives you a front row seat to an eye sore, interior designers have a chic solution
If you live in a city, gazing out your window at a brick wall or weed-clogged vacant lot is not uncommon. Suburbanites, too, deal with ugly views—of car-strewn driveways or masonry walls. Anyone can, however, mitigate even the lousiest vistas, say experts such as Agustina Gentili. “Focus on enhancing a window’s other qualities, the entry of light and air,” advised the Mexico City–based designer. Here, how top design experts reframe a dreary outlook to do just that.
A woeful view over a kitchen sink can truly sink your spirits, given how much time you spend there. Faced with such a situation in a house in Mission Hills, Kan., architect Chris Fein built cabinets with integrated shelving that spanned the window (above). This lets light infuse the kitchen but provides a view of objects and plants instead of the homeowners’ own driveway and the lot next door, says Fein, founding principal of Forward Design, in Kansas City, Mo.
Regan Baker relies on fabric blinds to distract from nasty views. The San Francisco designer hung a Roman shade that covers the top third of a home-office window. Its charming scenic pattern draws the eye away from a neighbour’s wall and, she said, “relates to the home’s hillside neighbourhood.” In another project, Baker used sheer, minimal shades in a light, neutral tone to block a dining room’s unlovely views while letting natural light filter in. What’s more, the shades’ hue so nearly matches the wall paint that they almost blend right in, says Baker, keeping the focus on a nearby landscape painting.
When faced with a bleak view, Gentili cultivates a “domesticated jungle,” attaching window boxes to the building’s exterior, if possible, and filling them with flora. Alternatively, the designer loads window sills with lush plants to create a filter of verdure and distract from the ugliness beyond. “This also generates green-tinted shadows that dance and change with the movement of the sun,” she said.
A stained-glass window will, of course, blur a chain-link fence or some equally unwelcome vista. Frosted glass, too. A less costly and disruptive solution: window film. The vinyl material, available in many patterns and textures, affixes without adhesive. Choose from ribbed designs that look like reeded glass to vintage-inspired motifs like Old English (below), a leaded-glass look-alike from Portland, Ore., company Artscape ($25 for a 2-feet-by-3-feet panel). In a garden-level New York apartment, designer Nathanael Tito Gonzalez applied abstract vinyl graphics to the top of a window to diffuse the sight of foot traffic up on the sidewalk.
Cafe curtains, which shield only a window’s lower half, were once out of fashion, shunted aside by contemporary top-down, bottom-up shades. Now they’re back. For a powder room in Southern California that’s tiled in sea green and floored in a checkerboard pattern, Baker executed the old-school fix to block out a rudely confrontational concrete fence. Now light streams in over the drapes’ bright geometric patterns, and the retro decor embraces the client’s love of “grandma chic,” said Baker.
Australian shares fell on Thursday as Wall Street weakness, rising oil and persistent rate concerns weighed on most of the market. The S&P/ASX 200 declined 0.72 per cent to 8,702. The All Ordinaries lost 0.66 per cent to finish at 8,897. Mining stocks were hit particularly hard, while real estate also dragged on the index. …
Continue reading “ASX falls 0.7 per cent as miners and property stocks retreat”
Borrowers cannot control the Reserve Bank, but they can control how exposed their household budget is to its next decision. The RBA meets on 29 September with inflation concerns still elevated and major-bank economists increasingly bringing forward their rate-rise calls. Fixed mortgage rates have also been moving, reducing the value of waiting for perfect certainty. …
Continue reading “What mortgage holders should do before the next RBA decision”
A property portfolio can look comfortable until several small pressures arrive together: a rate increase, a vacancy, higher insurance and an unexpected repair. The correct time to model that combination is before it occurs.
Start by recalculating every loan at 0.25, 0.50 and one percentage point above its current rate. Include principal-and-interest repayments even where a loan is temporarily interest-only, because the eventual step-up may be larger than the next RBA move.
Then calculate true net rent. Deduct management, council and water charges, strata, insurance, maintenance, land tax where applicable and a vacancy allowance. A property advertised with an attractive gross yield can produce a very different result after these costs.
Third, review the portfolio’s liquidity. An offset account can reduce interest while keeping cash accessible, but investors should obtain tax advice before moving funds between loans. The distinction between investment and private debt affects deductibility, and poorly structured redraws can create lasting complexity.
Fourth, examine refinancing risk rather than just today’s rate. A highly leveraged investor may be unable to refinance on the same terms because the new lender tests total debt at a higher assessment rate. Credit-card limits, owner-occupied debt and shaded rental income can all reduce capacity.
Fifth, rank properties by resilience. Consider net yield, vacancy risk, near-term capital expenditure, tenant demand, debt attached and the cost of selling. This is not an instruction to sell the weakest performer automatically; transaction costs and tax consequences matter. It is a way to identify where pressure would emerge first.
Investors should also review fixed-rate and interest-only expiry dates. A portfolio with several facilities resetting in the same quarter carries concentration risk even when each loan appears manageable individually.
The goal is not to predict the RBA perfectly. It is to ensure that one policy decision does not force a rushed refinancing, sale or reduction in essential maintenance. A portfolio that can absorb higher rates and temporary income interruptions gives its owner time to make deliberate decisions.
Read more: What mortgage holders should do before the next RBA decision
Portfolio checklist
Stress test: Current rate plus 0.25, 0.50 and one percentage point.
Model: Net rent after every recurring cost and vacancy.
Check: Fixed-rate expiries, interest-only expiries and loan maturity.
Preserve: An accessible emergency buffer.
Review: Insurance, land tax, strata works and major maintenance.
Seek advice: Licensed credit, financial and tax advice before restructuring.
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