The Interior Design Move That Is Both Calming And Statement-Making
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The Interior Design Move That Is Both Calming And Statement-Making

Want to give a room a wow factor in a subtle, 2022 way? Adopt a tone-on-tone approach.

By Kathryn O’Shea-Evans
Fri, May 6, 2022 3:37pmGrey Clock 2 min

YOU HAVE likely seen the design tactic of “tone on tone” before: perhaps a house whose siding has been painted steel blue and window frames navy. Design pros often bring this mostly monochromatic flourish indoors—adorning walls, upholstery and painted furniture in various shades of a single colour—but your average person rarely does.

“It can get overwhelming for people to do it on their own,” said Fariha Nasir, a Houston, Texas, designer. Hewing to a single hue might seem like the décor equivalent of letting a majority shareholder control your company. But a room scheme without visual interruptions and drastic chromatic transitions can have considerable impact.

“A tone-on-tone interior can be very strong, restful and pure at the same time,” said London designer Rose Uniacke, who recently limited herself to sands-of-time shades—oat, ecru and a tawny fawn—in a Holland Park sitting room. Certainly one could pull together a punchy bedroom of lilac walls, amethyst headboard and eggplant carpet, but most of the designers we spoke with opted for subdued colours when taking this chromatically focused route. New York designer Steven Gambrel, for example, has variously sheathed rooms in schemes of chocolate, olive and smoke—tempered palettes his clients often request. “It’s a feeling they’re asking for, something that is relatively quiet,” he said.

Dre Shapiro, founder of Dre Design in Los Angeles, similarly spurns clear, bright colours in favour of earthier options, with some kind of brown mixed in, she said, “because they’re easier on the eye.” To suss out her starting point, Charleston, S.C., designer Cortney Bishop often reaches for a Farrow & Ball paint deck; she likes that the brand’s colours are “a little bit lower in tonal value.” She may begin with the company’s dusty pink, Calamine, as a main paint choice, then pull fabric in varying shades of that colour, she said. “I don’t worry if one swatch is light pink and one is a rose.”

To find his colour muse for any particular room, Mr. Gambrel considers the pigments of Mother Nature he sees outside its windows. In a room facing a glimmering harbour, for example, he might lean toward grey blues and icy silvers. Tone on tone “really brings you in,” he said. “It’s super comforting, super warm.”

Chromatically restricted rooms also age well. The 1920s English society decorator Syrie Maugham was a progenitor of the tonal approach, said Alexis Barr, instructor of design history at the New York School of Interior Design. She often focused on snowy palettes, marrying white-as-whole-milk upholstery, thick, creamy wool carpets and panels of mirrors for a timelessly moneyed mien. A century on, Maugham’s tonal interiors “still read as chic, clean and remarkably modern,” Ms. Barr said.

Designers say it’s crucial to inject a tone-on-tone space with textural differences. For a client’s dining room in Houston, Ms. Nasir painted the wall, trim and ceiling in a rich brown, Glidden’s Sweater Weather, then hung velvet draperies in the same tint that would reflect light differently for a layered effect.

Mr. Gambrel always tosses in an element of juxtaposition, like raw metal or ebonized wood, which helps to ground the space. “A hit of dark is really critical,” he said. “Without it, your eye doesn’t know where to rest itself.”

 



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11 ACRES ROAD, KELLYVILLE, NSW

This stylish family home combines a classic palette and finishes with a flexible floorplan

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Just 55 minutes from Sydney, make this your creative getaway located in the majestic Hawkesbury region.

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How much income is required to service a mortgage? It depends on where you live

New research suggests spending 40 percent of household income on loan repayments is the new normal

By Bronwyn Allen
Thu, Apr 25, 2024 3 min

Requiring more than 30 percent of household income to service a home loan has long been considered the benchmark for ‘housing stress’. Yet research shows it is becoming the new normal. The 2024 ANZ CoreLogic Housing Affordability Report reveals home loans on only 17 percent of homes are ‘serviceable’ if serviceability is limited to 30 percent of the median national household income.

Based on 40 percent of household income, just 37 percent of properties would be serviceable on a mortgage covering 80 percent of the purchase price. ANZ CoreLogic suggest 40 may be the new 30 when it comes to home loan serviceability. “Looking ahead, there is little prospect for the mortgage serviceability indicator to move back into the 30 percent range any time soon,” says the report.

“This is because the cash rate is not expected to be cut until late 2024, and home values have continued to rise, even amid relatively high interest rate settings.” ANZ CoreLogic estimate that home loan rates would have to fall to about 4.7 percent to bring serviceability under 40 percent.

CoreLogic has broken down the actual household income required to service a home loan on a 6.27 percent interest rate for an 80 percent loan based on current median house and unit values in each capital city. As expected, affordability is worst in the most expensive property market, Sydney.

Sydney

Sydney’s median house price is $1,414,229 and the median unit price is $839,344.

Based on 40 percent serviceability, households need a total income of $211,456 to afford a home loan for a house and $125,499 for a unit. The city’s actual median household income is $120,554.

Melbourne

Melbourne’s median house price is $935,049 and the median apartment price is $612,906.

Based on 40 percent serviceability, households need a total income of $139,809 to afford a home loan for a house and $91,642 for a unit. The city’s actual median household income is $110,324.

Brisbane

Brisbane’s median house price is $909,988 and the median unit price is $587,793.

Based on 40 percent serviceability, households need a total income of $136,062 to afford a home loan for a house and $87,887 for a unit. The city’s actual median household income is $107,243.

Adelaide

Adelaide’s median house price is $785,971 and the median apartment price is $504,799.

Based on 40 percent serviceability, households need a total income of $117,519 to afford a home loan for a house and $75,478 for a unit. The city’s actual median household income is $89,806.

Perth

Perth’s median house price is $735,276 and the median unit price is $495,360.

Based on 40 percent serviceability, households need a total income of $109,939 to afford a home loan for a house and $74,066 for a unit. The city’s actual median household income is $108,057.

Hobart

Hobart’s median house price is $692,951 and the median apartment price is $522,258.

Based on 40 percent serviceability, households need a total income of $103,610 to afford a home loan for a house and $78,088 for a unit. The city’s actual median household income is $89,515.

Darwin

Darwin’s median house price is $573,498 and the median unit price is $367,716.

Based on 40 percent serviceability, households need a total income of $85,750 to afford a home loan for a house and $54,981 for a unit. The city’s actual median household income is $126,193.

Canberra

Canberra’s median house price is $964,136 and the median apartment price is $585,057.

Based on 40 percent serviceability, households need a total income of $144,158 to afford a home loan for a house and $87,478 for a unit. The city’s actual median household income is $137,760.

 

MOST POPULAR
11 ACRES ROAD, KELLYVILLE, NSW

This stylish family home combines a classic palette and finishes with a flexible floorplan

35 North Street Windsor

Just 55 minutes from Sydney, make this your creative getaway located in the majestic Hawkesbury region.

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