BMI Magazine - Issue 37

experience

knowledge

REAL ESTATE GIBRALTAR & SPAIN

PROPERTY LISTINGS | NEW DEVELOPMENTS | INFO ARTICLES | MORTGAGE RATES

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N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

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APARTMENTS NOW ON SALE Beautifully designed spacious luxury homes

SUBLIME VIEWS.

THE OFFICE DEVELOPMENT FOR GIBRALTAR.

An iconic structure located portside with easy access to the City Centre. NW1 is an office building designed to the highest specification and built to meet the demands of Gibraltar’s growing economy.

A development from the creators & managers of Kings Wharf & Europort. A property development underpinned with experience!

NW1 ANOTHERLEVEL

w w w. n w 1 . g i DEVELOPMENT CONSULTANTS: Tel: (+350) 200 51010 | www.bmigroup.gi

The other side of Gibraltar Gibraltar’s Leading Hotel 2013 ***** Offering Self Catering, Fully Serviced Apartments and Suites for Mid or Long Term Rental ***** Access to Excellent Facilities Including an Award Winning Restaurant & Health & Beauty Club

Leading | w ww.bmi g rou p.gi 4 Gibraltar's Hotel

T: (+350) 200 76501 E: reservations@caletahotel.gi www.caletahotel.com N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

Five Ultra

Luxurious Properties

INTRODUCING THE SANCTUARY

a private

paradise

For more details, contact BMI Tel: (+350) 200 51010

experience

BMIN.B. Group Limited, Unit 7 Portland House, This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

Glacis Road, P.O. Box 469, Gibraltar

knowledge

Email: info@bmigroup.gi

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2014 A Good year or Bad? Where to next?

And so another year goes by, I hate to state the obvious, but time does indeed fly by. I recall writing our update article only 12 months ago with an element of trepidation given the successful year that we had enjoyed throughout 2013. It’s always unnerving entering a new year with high expectations based on successes in the previous 12 months…..in short, one wonders whether the bar can be set higher.

Well as stated in last year 2014 began with flying start and our expectations were being met; it’s safe to say that 2014 did not disappoint and the ever increasing confidence in the market with prices to suit were here to stay.

I write this article somewhat later than I had intended (apologies, one needs to nurse the New Year’s hangover….serious hangover I hear you say). In all honesty a little laziness combined with a busy start to the year has also played it’s part in getting this issue out, but I guess the main reason was……. what I was going to write about?

After 10 years of no doubt boring the socks out of you, one can (I’m sure you’ll understand) get pretty tired of coming up with WoW adjectives, statistics, quotes, and all sorts of fantabulous phrases to explain how fecking great the market is and why you should invest in property……….after thinking hard about what to pen out this time round, it came to me – I figured that I’d dazzle you with adjectives, statistics, quotes, all sorts of fantabulous phrases and a graph.

So there you go people, that’s my intro for you, I really wish that I could tell you something different and throw caution out there, express concerns etc, but I just can’t, it’s simply not the case. I hope that regardless of the above banter, you will accept our opinions below as honest and sensible guidance, advice and general information. We have never shied away from bad news and you will recall our concerns back in 2008/9, most of which, I might add, we pretty much nailed.

I leave you with our review / update of the year gone by and why we think that there’s enough out there to be positive about.

Sincerely,

Louis C. Montegriffo Managing Director.

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Outlook & Market update for year end 2014: In brief: 2014 has as suspected proved to be a good year with the market showing no signs of slowing down. Stock levels remain low both on rentals and sales and this remains one of the drivers for an increase in prices across the board.

Residential: It was always going to be unrealistic to expect property values to rise as sharply as they had (on the top end – red line) during 12’/13’ but as shown on our graph above, the top end has maintained its strength albeit it a sensible pace. We believe that high value sales are here to stay and that a new market, a fourth tier, has made its mark. The market at this level (by our estimations) has increased marginally by approx. 5%.

If one excludes high value sales (green line) you will note that the pace and strength has been sharper and more consistent with the previous year; we believe that this is principally due to higher volumes of sales at this range, and at this level we have seen an approx. increase of just under 10%.

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

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Commercial: 2014 has seen the beginnings of ambitious proposals by various developers to push ahead in the construction of approx. 30,000sqm of office space. These developments are scheduled to begin works in early 2015 with 18 – 30 month programmes. The past few years have seen large increases in rates/sqm which only 5 years ago averaged out at £230/sqm / annum and are now at an average of 290/sqm / annum and highs of up to £400/sqm / annum.

Demand has clearly increased with the additional pressure of there being no new build in this sector for quite some time. Our views on whether there is real demand to meet the forecasted sqm being proposed are met with an element of caution given the substantial schemes in the pipeline. We are optimistic on smaller projects able to provide mixed use schemes and easier to meet market expectations.

New Developments: 2014 saw the launch of Midtown and Ocean Village Phase 3. In brief both developments pretty much sold out in no time. Although one would be tempted to mark this as a huge success on the part of the developers, we will (and here’s the cautious advice for you) keep a watchful eye on where the demand for these units has originated from and who the buyers are. We have always maintained that a mix of owner occupiers, seasoned investors and a small measure of speculators is healthy, any overdose of the latter and you become exposed – to learn more about our thoughts on this, please feel free to call.

Economy: Although we prefer to refrain from commenting on economic activity, we have found it useful to make reference to the GDP figures (blue dotted line) in order to indicate economic strength or weakness, which is a main driver in property values – 2014 speaks for itself with a projected growth of +10%. We will review the impact that such a strong growth may or may not have on the market at year end, but it would be fair to say that the first 2 months of 2015 have been encouraging.

The current climate in our view continues to be positive and likely to grow sensibly. For four years (since 2011) we have witnessed the market harden up and prices rise, 2013 underpinned this further with a marked increase in “high value” sales which as seen in the graph marks the beginning of the fourth tier sector in the market.

Demand has continued in line with the growth in the economy and we have seen property prices (particularly in the high value market) over the past four years increase by up to 40% in some areas.

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N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

We indicated in 2013 that we were seeing signals similar to those experienced in 1999 – 2000 when Gibraltar first began it’s boom period, driven by the advent of the growth in the gaming sector in which the lettings market was left with little or no stock and became the prelude to the hike in prices over the period between 2002 – 2006. This has certainly been the case and we are delighted with the results, but we would add that there is also a greater confidence in Gibraltar 15 years on; the quality of our business has increased, high value applicants are looking no further than Gibraltar as their choice for relocation and our applicants and clients are better briefed about the Rock and its potential.

There is no question that the positive message that we bring is, to a great degree, thanks to the efforts of the Finance Centre and the fact that the Rock delivers a first class, dynamic and well regulated centre that attracts quality applicants across a wide spectrum of services.

Key factors of note: • Our lettings portfolio today stands at an average of 9 units from an all time high of 40 units 5 years ago.

• Our sales portfolio is at an average of 100 units for sale from an all time high of 240 units 5 years ago.

• Our sales volume in 2011 / 2012 saw substantial increases from previous years of up to 20% and 35% respectively. 2013/14 has seen a 5% increase. (Not including off-plan sales) • 2014 has equalled performance results of 2013 making it the company’s best year since we began trading in 1998.

• High Value market sales are here to stay long term underpinning the top end of the market and the confidence from applicants in this sector.

• New Developments (residential) launched in 2014 amount to approx. 200 units (not including Govt housing schemes) with forecasted completions of 2018 – 2019.

• GDP growth (forecasted figure) for 2014 is +10% Key related economic factors: • There continue to be NO bank repossessions.

• Unemployment remains below 2%.

• Finance centre industry is growing from within.

• Gibraltar remains the only highly regulated, low tax, English speaking centre in Europe.

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

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HIGH CLASS C O N T E M P O R A R Y I N T R O D U C I N G

SOUTH DISTRICT | SOU496 High class contemporary home with breath-taking views over the Gibraltar Straits towards Spain and the Mountains of Africa. Set in the south district of Gibraltar this bespoke designed house on 4 levels (with lift) has 7 bedrooms, 6 bathrooms, premium quality kitchen and bathrooms, garage parking for 10 cars, pool, spa and a Jacuzzi set amidst verdant landscaped gardens. New Aloes offers luxury, privacy and endless space.

• 7 Bedrooms • 6 Bathrooms • Garden • Terrace • Patio • Air Conditioning • Gymnasium • Swimming Pool • Close to amenities

885sqm Internal size 994sqm External size

£10,900,000 REGISTER YOUR INTEREST NOW

experience

knowledge

BMI Group Limited, Unit 7 Portland House, Glacis Road, P.O. Box 469, Gibraltar

Tel: (+350) 200 51010

Email: info@bmigroup.gi

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Contents Gibraltar Sales Studio & 1 bedroom 2 bedrooms 3 bedrooms 4+ bedrooms

12 16 24 34

Spanish Sales Selected Properties

36

Info Articles Gibraltar Finance Triay & Triay

22 28

Mortgage Rates

46

Useful Links Directory

47

BMI Magazine BMI Group PO Box 469 Unit 7, Portland House, Glacis Road, Gibraltar

experience

knowledge

Tel: (+350) 200 51010 Fax: (+350) 200 42621 Email: info@bmigroup.gi www.bmigroup.gi REAL ESTATE GIBRALTAR & SPAIN

PROPERTY LISTINGS | NEW DEVELOPMENTS | INFO ARTICLES | MORTGAGE RATES

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Development Consultants SUNSET CLOSE

at lant ic suites europort residential

Thompsons Cottage 12/2

Naval

Hospital

THE

Hill

Genista House Mediterranean life at it's best...

kings wharf ANCHORAGE

T H E U L T I M AT E R E S I D E N T I A L B L I S S

Mews

BUENA VISTA

LEGAL NOTICES & DISCLAIMERS

The information provided within this magazine is for informational purposes only. BMI Property Matters Ltd endeavours to ensure that material contained in this magazine is accurate and complete at the date of publication; however BMI Property Matters ltd does not guarantee the accuracy or completeness of the information, including photographs, text, graphics, renderings and other items contained herein. You should further recognise that information contained in this magazine may become out of date at any time. This includes the properties which are listed, which may become unavailable at any time.

All prices, features, specifications, plans and availability are subject to change without notice. All maps, floor plans, drawings and elevations are artist renderings and are for informational purposes only. All dimensions and specifications are approximate.

This magazine and the information contained in it is provided for use “AS IS� without any warranty (whether express or implied) of any kind and no responsibility is assumed for the owners or operators of or content in any of the advertisements contained herein.

BMI Property Matters Ltd does not accept any liability, loss or damage of any kind arising from any inaccuracy or omission in or use of your reliance upon any information in this magazine.

Nothing contained in this magazine is intended to and does not constitute any offer to sell or the solicitation of an offer to buy any product or services from any member, officer or agent of BMI Property Matters Ltd. Nothing contained in these Terms and Conditions shall restrict or exclude any liability that BMI Property Matters Ltd shall have to any person which cannot be excluded or restricted by law.

Magazine designed & printed by www.piranhadesigns.com

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G IB R A LTA R S A L ES | Stu d i o & 1 B e d s

Studio/ 1beds

ATLANTIC SUITES

ATS061

ANCHORAGE

ANCH124

1 bedroom | 1 bathroom

1 bedroom | 1 bathroom

Spacious one bedroom apartment located within this exclusive development. This apartment provides sea views and has a terrace which is accessed from the living room.

The kitchen is spacious and is fully fitted. The large master bedroom provides fitted wardrobes. There is a walk in shower in the bathroom and plenty of storage cupboards in the entrance hall. Property available unfurnished.

Must be viewed.

Spacious one bedroom one bathroom top floor apartment set in an exclusive gated development located in Gibraltar’s South District. Provides a large living room with an open plan kitchen fully fitted and equipped leading to a North/ West facing terrace. The property features hardwood timber floors, designer bathrooms and reverse airconditioning. Incudes a parking space. Amenities include a fully equipped gym with an exercise pool and communal landscaped gardens.

Ideal buy to let.

Viewing is recommended.

£360,000.00

£369,950.00

ATLANTIC SUITES Features: • Category 2 • Terrace • Air Conditioning • Com Swimming Pool • Com Gymnasium • Close to amenities • Allocated Parking

1 bedroom | 1 bathroom

ATS100

Stunning west facing one bedroom, one bathroom apartment located on an 8th floor within this exclusive development. Finished with the latest high spec contemporary kitchen and appliances as well as under floor heating in the bathroom, includes comfort cooling and heating. Amenities include swimming pool and health spa.

Viewing is recommended.

£399,950.00

KINGS WHARF

KW27139

1 bedroom | 1 bathroom Luxury apartment located within this new development in this prime location of Queensway Marina. This apartment of approximately 65sqm internally provides a terrace of approximately 15sqm South facing. The apartment consists of one bedroom, one bathroom, open plan kitchen and is situated on a high floor. The apartment has been finished to a very high standard throughout and high tech quality finishing`s, also includes a parking space, private store, air conditioning and heating. The development includes communal swimming pool and gymnasium.

£410,000.00 12

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N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

S PECIA L F EAT URE PR O P ERT I ES

GARDINERS ROAD GAR035

Features:

• 4 Bedrooms • 2 Bathrooms • Garden • Terrace • Swimming Pool • Close to amenities • Allocated Parking

£795,000 Unique property on three levels situated in Gardiners Road, this property provides 4 bedrooms, 2 bathrooms. Beautifully refurbished throughout with spacious open plan kitchen, dining area and living room providing access onto a spacious garden which includes a private swimming pool and terraced area, great for entertaining! The lower level provides the privacy of a double bedroom with en-suite shower room, with possibility of conversion into a granny flat. There is also an adjacent utility room.

There is a front porch area which provides parking. Very low outgoings. Must be viewed!

UPPER TOWN UPP050 Features:

• 3 Bedrooms • 3 Bathrooms • Terrace • Close to amenities • Allocated Parking

£950,000

This fine Colonial home boasts an exceptionally well proportioned and appointed interior which mixes a fine blend of character features including sash windows, period fireplaces and wooden floors.

Property comprises of 2 reception rooms, kitchen/diner and guest cloakroom on the ground level and 3 bedrooms, 3 bathrooms on the first level. Enjoys panoramic views of the bay from the large sun terrace with a Pergola, Jacuzzi and Bar area. Ideal for drinks and BBQs for all year round. Don’t miss out on a viewing!!!

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

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SOUTH DISTRICT | SOU456 Whitewater House - A luxury detached Huff Haus style property located in a truly unique location within the Gibraltar Nature Reserve. Comprising of 5 bedrooms, 5 ensuite bathrooms, 2 half bathrooms, office, utility room, large open plan kitchen, 2 large reception areas, 2 large balconies, 2 terraces, outside dining area and infinity pool. A tranquil yet easily accessible setting, boasting uninterrupted views of the Bay of Gibraltar and Northern Africa.

With a combined living area of 440sqm, landscaped gardens and private secure parking for up to four cars, this is a truly rare opportunity to acquire such a house.

• 5 Bedrooms • 7 Bathrooms • Category 2 • Balcony • Garden • Terrace • Swimming Pool • Close to amenities • Private Parking

440sqm Internal size

£6,000,000 REGISTER YOUR INTEREST NOW

experience

knowledge

BMI Group Limited, Unit 7 Portland House, Glacis Road, P.O. Box 469, Gibraltar

Tel: (+350) 200 51010

Email: info@bmigroup.gi

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S PECIA L F EAT U RE PR O P ERT I ES

TOWN RANGE TOW143 Features:

• 4 Bedrooms • 3 Bathrooms • Category 2 • Terrace • Air Conditioning • Com Swimming Pool • Com Gymnasium • Highly recommended • Close to amenities • Allocated Parking Beautifully decorated house on three levels including fully fitted new BulthaupKitchen (with Miele and Subzero aplliances)/dining room, exceptionally spacious living room leading to a home bar, terrace of approx. 21.87m2 on the first floor. On the ground floor one of the main features of the house being the Cinema room, home office which could be converted to a 5th bedroom, Wc, guest suite with en-suite and utility room and on the 2nd floor is the spacious master bedroom en-suite bathroom with access to terrace, 2 guest room (one leads to terrace shared by the MB) and bathroom. The property has retained its original wooden flooring for the most part and is decorated to a very high standard throughout. It is part of an assemblage of Georgian and Victorian buildings lining the east side, and is arguably, in terms of architecture, the most distinguished group of buildings in the whole of Gibraltar. Other features include air conditioning, security system installed, Lutron lighting, allocated parking space and roof terrace of approximately 67.42m2.

£2,200,000

QUEENSWAY QUAY QUE101 Features:

• 3 Bedrooms • 3 Bathrooms • Category 2 • Terrace • Air Conditioning • Com Swimming Pool • Com Gymnasium • Highly recommended • Close to amenities • Allocated Parking

£1,800,000

Prestigious penthouse located within Gibraltar’s finest residential complex, consists of three bedrooms, three en-suite bathrooms, guest cloakroom, fully fitted kitchen, utility room, spacious living/dining room with glass doors opening to an expansive wraparound private terrace offering magnificent views of the Queensway Quay Marina, Bay and harbour. This property is decorated to the highest standards throughout. Amenities include air conditioning, 2 private parking, and exclusive swimming pool for residents and use of gymnasium. Viewing is highly recommended.

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

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G IB R A LTA R S A L ES | 2 B e d rooms

EUROTOWERS

2 bed

Features: • Category 2 • Balcony • Air Conditioning • Squash Court • Com Swimming Pool • Close to amenities

2 bedroom | 2 bathroom

EUR017

£440,000.00

Exclusive to BMI!!!! Spacious two bedroom, two bathroom apartment in this ever popular development located on the west side of Gibraltar. Provides spacious master bedroom of approx.

20sqm and spacious living area of approx. 35sqm with open plan kitchen fitted inclusive of appliances. Provides great views of the rock and Africa from a terrace of approx. 5sqm. Amenities includes A/C - swimming pool and squash cts.

KINGS WHARF Features: • Category 2 • Terrace • Air Conditioning • Com Swimming Pool • Com Gymnasium • Close to amenities • Allocated Parking

2 bedroom | 2 bathroom

KW27141

Smart 2 bedroom 2 bathroom apartment of approximately 86m2 located on a high floor offering partial sea views from its terrace of approximately 6m2 and with bedrooms enjoying views of the Rock and Commonwealth Park. The fully fitted and equipped open plan kitchen/dining/ living room leads to the terrace, the dining area benefits of 2 large sliding windows offering north views and both bathrooms are contemporary fitted with under floor heating.

Includes a parking space. Sold fully furnished. Available for CAT2.

Amenities include: state of the art gym and communal lap pool.

Currently let for 6 months as from the 1st September 2014.

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£460,000.00

KINGS WHARF

KW27144

2 bedroom | 2 bathroom This stunning 2 bedroom apartment is situated on a high floor within this recently completed new development on prime site location of Queensway marina. It has internal area of 86.24sqm and a 6.28sqm balcony offering sea views. All bedrooms include fitted wardrobes. The open plan fitted kitchen leads on to the living area. It has airconditioning/heating throughout. Heated floors/towel rails in both bathrooms. This property also includes a parking space.

£475,000.00

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

2 Bedr ooms | GIBRA LTAR S ALES

OCEAN VILLAGE Features: • Category 2 • Terrace • Air Conditioning • Com Swimming Pool • Com Gymnasium • Close to amenities • Allocated Parking

2 bedroom | 2 bathroom

OCE174

Luxury Tranquil Haven, two bedrooms, two bathrooms apartment located within the exclusive development of Ocean Village. This property is situated on a low floor offering views of the Rock and town with an East and south aspect enjoying a lot of sunshine. Enjoys a terrace area of 38m2 fitted with a HOT TUB. The apartment has been recently decorated to a very high standard throughout and includes a private parking space within the underground garage.

Amenities include swimming pools, Jacuzzi’s as well as a gymnasium.

Sold fully furnished.

Viewing is highly recommended.

OCEAN VILLAGE

OCE171

ANCHORAGE

£459,950.00

QUEENSWAY QUAY

ANCH109

2 bedroom | 2 bathroom Exclusive to BMI. Set in an exclusive gated development within Gibraltar’s south district this spacious 2 bedroom 2 bathroom high floor apartment is of 90m2 internal and 13m2 of terrace and has magnificent views of Africa and the straits of Gibraltar. This property has had a few improvements in kitchen and bathrooms.

Sold fully furnished.

Amenities include a state of the art fitness centre with a swim against the current pool, gardens and play area.

£520,000.00

QUE104

KINGS WHARF

KW27143

2 bedroom | 2 bathroom

2 bedroom | 2 bathroom

2 bedroom | 2 bathroom

Spectacular two bedroom, two bathroom sea front town house located within the exclusive development of Ocean village Marina. Fully fitted kitchen, utility wardrobe, living/ dining room, master bedroom with en-suite bathroom and fitted wardrobe, second bedroom also has fitted wardrobe, guest toilet, three terraces including the roof terrace and lock up garage with direct access to the apartment. This luxury property is within waterside cafes, restaurants, retails, gardens and a modern marina completing the perfect line styles. Amenities include communal swimming pools, Jacuzzi’s and gardens.

Viewing is recommended.

A magnificent apartment situated within Gibraltar’s finest marina complex. This luxurious apt of approx. 95sqm provides superb views of the marina and the bay of Gibraltar from a terrace of approx. 10m2. The apartment has been recently refurbished and is ready for immediate occupation. Provides a spacious living room with separate kitchen. Features reverse air-conditioning throughout, master bedroom has a walk-in wardrobe and 2nd bedroom a fitted wardrobe. Property also includes a private parking space within the secure underground car park. Amenities include communal swimming pool and gymnasium.

Viewing is a must.

Charming two bedroom two bathroom garden apartment with a South aspect overlooking the communal gardens.

Provides an area of approximately 108.43m2m2 internally and spacious terrace of approximately 40m2. Fitted to a very high standard throughout with high tech quality finishing’s, includes a private parking space, air conditioning (Dual system). Amenities include a communal lap pool, state of the art gym and gardens.

Features: *Carpet in bedrooms. *Beautiful fish tank in living room.

Viewing is a must.

£549,995.00

£589,000.00

£620,000.00

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

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G IB R A LTA R S A L ES | 2 B e d rooms

CLIFTONS

SOU312

ATLANTIC SUITES

ATS028

2 bedroom | 2 bathroom

2 bedroom | 2 bathroom

Two bedroom, two bathroom penthouse in this luxury development found in the south district. The Cliftons boasts a beautiful setting of the restored old Naval Hospital.

This penthouse is 169 sqm and has a fantastic living room with open plan kitchen, walk-in wardrobes and en-suite bathrooms in both bedrooms and a fantastic large terrace.

This apartment comes with a parking space and has access to the communal gym and pool.

Unique apex two bedroom, two bathroom located within a high floor in this luxurious development. This property has been decorated to a very high standard and provides magnificent views of the bay and Africa. Parking space is also included.

£675,000.00

Would you like to see your property advertised here with Gibraltar’s Leading Estate Agent?

Viewing is highly recommended.

£695,000.00

CONTACT US NOW TO FIND OUT HOW T: 200 51010

Do you have a property to We have waiting clients ready to buy 1/2/3 bedroom properties.

sell?

CONTACT US NOW FOR FURTHER INFORMATION

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N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

S PECIA L F EAT U RE PRO P ERT I ES

ANCHORAGE ANCH125 Features:

Three bedroom, two bathroom, 5th floor apartment set in an exclusive gated development within Gibraltar’s south district; enjoying it’s very own micro climate, extraordinary views and landscaped gardens. This apartment is of approximately 131m2 and includes a terrace of approximately 31m2.

The apartment has been finished to a very high standard with hardwood timber flooring throughout, contemporary quality fully fitted kitchen includes appliances of a high standard and fully fitted stylistic designer bathrooms. Amenities include comfort cooling to bedrooms and lounge, private parking and gym.

Viewing is recommended.

OCEAN VILLAGE OCE144

• 3 Bedrooms • 2 Bathrooms • Store Room • Terrace • Air Conditioning • Com Gymnasium • Highly recommended • Close to amenities • Double Parking

£650,000

ED

C DU

RE

Features:

• 3 Bedrooms • 2 Bathrooms • Category 2 • Terrace • Air Conditioning • Com Swimming Pool • Close to amenities • Allocated Parking

£795,000 Apartment on 16th floor of Majestic Ocean Plaza with 360 deg. views of sea and rock of Gibraltar (2 flats combined). Fully interior designed and immaculately furnished, tastefully decorated to a very high standard. Originally 4 bedrooms converted into 3 large bedrooms, 2 large living & family room and a party hall for entertainment, 2 bathrooms, modern kitchen, storerooms, 90ft long terrace overlooking the sea. All rooms provide wonderful sea views overlooking the marina. Exceptional and largest flat in Majestic Ocean Plaza includes 2 reserved covered parking spaces. Professionally designed fully integrated Bose audio/video system in every living room, bedroom, bathroom, terrace, kitchen and hall with LED TV fitted in every room.

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

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Latest Rentals Would you like to see your property advertised here to let?

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N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

Super fast fibre Internet

Next generation TV

Cheap voice calls

Going all the way...

Coming in 2015...

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21

I N F O A RT I C L E

Gibraltar Finance building on the quality of our reputation, regulation and speed to market.

Gibraltar Finance has just released the 2015 Executive Summary of our business plan. Paul Astengo, Senior Executive with responsibility for private client business provides some highlights.

The team is headed by James Tipping who reports to Minister for Financial Services, Albert Isola. The summary provides a brief account of the initiatives undertaken by the Gibraltar Finance team during 2014 and clearly sets out the ambitious objectives for 2015 and beyond.

So what have been our highlights in 2014?

Michael Ashton looks after the insurance industry and provides the following observations.

Gibraltar’s share of the UK motor insurance market grew from approximately 10% in 2011 to approximately 16% in 2013. There was considerable growth by a number of existing insurers together and a number of new insurers were licensed over this period.

A concerted effort has been made since mid2013 to resolve the inability for an insurance portfolio transfer (Part VII) to take place from the UK to Gibraltar. In July 2014, HM Treasury agreed that Part VII transfers could take place under existing UK legislation. The opportunity for Part VII transfers to take place from the UK has generated significant interest.

Gibraltar’s ambition to establish itself as an insurance linked securities (ILS) jurisdiction within the European Union made good progress in 2014. A working group with representatives from some of the largest global ILS participants provided valuable industry expertise and input to the FSC whilst the FSC was developing its ILS Guidelines. The ILS Guidelines were published in September 2014 and have been well received by the ILS community. Horseshoe Group, a large ILS insurance manager with offices in Bermuda, Cayman Islands and Ireland and assets under administration of $8 billion, was licensed as a new insurance manager by the FSC in October 2014.

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QNUPS legislation was passed to allow the pensions sector to offer a new Gibraltar product.

Philip Canessa has enjoyed a busy year taking the funds message to key markets in Europe and as far afield as Hong Kong. He attended various conferences at which Gibraltar Finance also exhibited, presented or took part in a panel discussion.

A very successful event for Swiss Asset Mangers was held in Gibraltar, on the Sunborn, in April, with very positive feedback from Swiss participants and local industry sponsors.

The first ever Funds and Asset Managers lunch was held at the RAC in London in October with approximately 170 attendees and was described by the chairman of GFIA as “brilliant” and it “hit the mark”.

At the request of the industry and with participation by the FSC, GFIA Technical Committee and others, the Financial Services (Alternative Investment Fund Managers) Regulations were amended in order to allow for a National Private Placement Regime.

Last but by no means least is my area the private client space where work has continued in sourcing effective solutions to the issues that we face.

In order to deliver our message to the key influencers in our target markets meetings on a face to face basis have taken place with in excess of 60 relevant professional firms located in London and Geneva. In addition we have undertaken visits to Birmingham, Manchester, Leeds, Amsterdam and Rotterdam and met with Newcastle and Bristol based professionals in London as a prelude to forthcoming visits to these cities.

New business has accrued and completed in Gibraltar as a result of this activity.

Attendance at international events is a cornerstone of our business plan and we have attended numerous conferences. The areas that we have particularly covered

include Family Offices, UK Resident Non Domiciles, Payments, EMoney, Trust & Company Management and Private Wealth Management.

Media exposure is also an integral part of our role and will be developed further. We have created articles that have been published in a number of industry specific international journals.

The Global Finance Centres Index (GFCI), to which we contribute, saw Gibraltar achieving second place in the “Best Offshore Centre” category in 2014. HM GoG has set up a working group of industry professionals that is conducting a root and branch review of the existing tax residency schemes and this is moving forward at pace.

A second group has been formed and is investigating the virtual currency space with a view to better understanding the benefits and risks of this sector.

The much awaited private client legislation will shortly be published widening and modernising the way local practitioners can help their clients. A significant amount of effort has been provided by industry players to get us to where we are and great credit accrues to all involved.

Paul Astengo Senior Executive Gibraltar Finance

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

Make your property

purchase totally

stress free

Our team of specialists are committed to providing you with detailed and practical advice whether you are buying a property, straying a business or you are going through a divorce, in order for you to properly understand the process and make informed decisions about your future.

Our firm has substantial expertise in telecoms, gaming & betting, international tax planning, private clients, employment, wills & estates, insurance and civil and criminal litigation.

Let Verralls take care of it.

Verralls Barristers & Solicitors 2B Centre Plaza, 2 Horse Barrack Lane, Gibraltar Tel: +350 200 47252 Fax: +350 200 72789 Email: office@verralls.gi

www.verralls.gi N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

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23

G IB R A LTA R S A L ES | 3 B e d rooms

SOUTH DISTRICT

3 bed

Features: • Air Conditioning • Close to amenities • Allocated Parking

£245,000.00 3 bedroom | 1 bathroom

NEL002

Three bedroom, one bathroom low floor apartment enjoying sea facing views. Provides a large and spacious front room with good size bedrooms and large bathroom. Spacious family kitchen fully fitted and equipped. The apartment has been furnished to a high standard and is sold fully furnished. Includes a parking space. 3 year residency is required.

Don’t miss out on a viewing.

“Open to offers”

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MONTAGU CRESCENT

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MON096

MARINA COURT

MAR045

FILOMENA HOUSE

FIL011

3 bedroom | 2 bathroom

3 bedroom | 1 bathroom

3 bedroom | 2 bathroom

Three bedroom, two bathroom apartment located within this family orientated development. Property is decorated to a very high standard throughout. Property includes one private parking space located within the secure underground garage with lift access to the property. Sold partly furnished.

Must be viewed.

Exclusive with BMI!!! This recently refurbished spacious three bedroom, one bathroom apartment located on a high floor of the Marina area. Property includes a fully fitted open plan kitchen and bright double size bedrooms.

Offers views to the rock. Sold fully furnished and is ready for immediate occupation. Don’t miss out on a viewing.

Features: * New double glazed windows throughout. * Roller Blinds throughout. * Large fitted wardrobe in 2nd Room. * Large standing wardrobe in Master bedroom. * Laminate wood effect flooring throughout except bathroom which has been fitted in ceramic tiles.

Three bedroom, two bathrooms apartment located within this new development recently completed by Taylor Woodrow. This apartment is on a high floor and has views of the bay. The apartment provides open plan kitchen and includes all appliances. Also includes a private parking space within the underground garage. Must be viewed.

£275,000.00

£380,000.00

£385,000.00

| www.bmi g roup.gi

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

3 Bedr ooms | GIBRA LTAR S ALES

TOWN

TOW141

PORTLAND HOUSE

POR046

FILOMENA HOUSE

FIL012

3 bedroom | 2 bathroom

3 bedroom | 3 bathroom

3 bedroom | 2 bathroom

Spacious apartment of approximately 133m2 located in the Town Centre within a few minutes’ walk to Main Street. This property provides a Colonial atmosphere with high ceilings and great potential. Enjoys a large lounge and separate dining room of approx. 47m2 with probability of converting to a smaller lounge/dining room and fourth bedroom. Spacious master bedroom includes en-suite bathroom and utility room which could be converted to a walk-in wardrobe, with the remaining two bedrooms serviced by a large bathroom.

The kitchen was fitted a few years ago to a high standard to a contemporary style, includes electrical appliances. This property with an update will suit those looking for a typical large character apartment in the centre of town. Includes a store in the downstairs patio.

Stunning and unique three bed converted to a two in the sought after area of Ocean Village. This property boasts beautiful sea views and is bright and airy throughout.

The ground floor has been knocked through to create a spacious, open-plan and ultra-modern kitchen, living room and dining room which have been furnished and fitted to a very high standard with designer labels. The bespoke LED lit, glass and stainless steel staircase leads to a contemporary style lounge/office area. the master bedroom en suite includes a spacious wet room and designer furniture. The apartment also offers ample storage space throughout.

Viewing is highly recommended.

Three bedroom, two bathrooms penthouse located within this new development recently completed by Taylor Woodrow. This apartment is on a high floor and has views of the bay. The apartment provides open plan kitchen and includes all appliances. Also includes a private parking space within the underground garage. Must be viewed.

£390,000.00

£519,950.00

£525,000.00

SOUTH DISTRICT

SOU451

TOWN

TOW006

GARDINERS VIEW

GAR047

3 bedroom | 1 bathroom

3 bedroom | 2 bathroom

3 bedroom | 2 bathroom

Exclusive with BMI!!! This old colonial terraced house completely re-modernised and refurbished throughout to a high standard. The entrance hallway with a welcoming feel was previously used as a stable. The property consists of 3 bedrooms, 2 of which are double and a third single with fitted bedroom suite, family shower room, guest cloakroom, laundry room (could be converted to a 2nd shower room), lounge with wooden beams on ceiling, dining room with a feature fireplace, study, large family kitchen fully fitted and equipped by “Pepe Cote” includes all the electrical appliances. Additional to the property is a beautiful private courtyard of 70m2 approx with a centred orange tree and original large cobblestone plus with a modern twist.

Unique, spacious penthouse-style apartment located in an elegant town centre building recently refurbished with lift.

The property provides three bedrooms (one with fitted wardrobe), bathroom, en-suite shower room, guest cloakroom and fully fitted quality kitchen with distressed green colour wooden kitchen units and mahogany worktops. The very large living/dining room leads to a private terrace on either side of the room ( both of approx.

110m2) boasts of features such as beams in the ceiling, original wood flooring and Cast Iron Wood Stove. On the top floor is an additional bedroom/study leading on to a third private terrace. Superbly decorated, throughout.

Stunning duplex apartment, offering amazing views, recently refurbished to a very high specification presented in a contemporary style. This property benefits from two large terraces one off the living room which has been fitted with decking and awning, the 2nd one on the lower level just off the two bedrooms currently used as a playroom.

The master bedroom offers an en-suite shower room and small balcony.

There is a 4th room currently used as a study and could also be used as a walk-in wardrobe or store room.

Makes a magnificent family home!! Viewing is a must.

£565,000.00

£595,000.00

£599,000.00

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

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G IB R A LTA R S A L ES | 3 B e d rooms

CLIFFTOP HOUSE

KINGS WHARF

KW27138

KINGS WHARF

KW27109

3 bedroom | 2 bathroom

3 bedroom | 2 bathroom

Three bedroom, two bathroom apartment on a 5th floor situated within this exclusive development in the South District providing spectacular views of the Bay and Africa. This property provides a spacious entrance hallway which includes big storage side cupboards, open plan designer kitchen including electrical appliances /living/dining room with direct access to a terrace overlooking the bay and Africa. This property is bright and airy enjoying the comforts of high quality specifications, master bedroom includes a walk-in wardrobe currently used as a study and en-suite shower room, and the two other bedrooms are spacious with fitted wardrobes and 2nd bathroom. Property includes a double lock-up garage with store room within the secure underground garage. Reverse Air conditioning and heating system throughout. Amenities include communal swimming pool and gym.

This stunning 3 bedrooms apartment is situated on a very high floor within this recently completed new development on prime site location of Queensway Marina. It has internal area of 116.92sqm and a 18.92sqm balcony offering fantastic views. All bedrooms include fitted wardrobes. The open plan fitted kitchen leads on to the living area. It has airconditioning/heating throughout. Heated floors/towel rails in both bathrooms. This property also includes a parking space. Available for CAT 2.

Viewing is recommended.

Luxury apartment located within this new development recently completed in this prime location of Queensway Marina. This apartment on a low floor is of approximately 116.92m2 internally provides a terrace of approximately 44.02m2 and is facing the Marina and bay. The apartment consists of three bedrooms, two bathrooms open plan kitchen and living room.The apartment has been finished to a very high standard throughout with high tech quality finishings, includes a private parking space, air conditioning and heating. The development enjoys a communal swimming pool and state of the art Gym. Viewing is a must.

£599,000.00

£639,000.00

£650,000.00

GENISTA HOUSE

SOU355

ANCHORAGE

ANCH118

3 bedroom | 2 bathroom

3 bedroom | 2 bathroom

This is a spectacular 3 bedroom property situated in the quiet south district, it is approximately 150sqm interior and 17sqm of terrace and is situated on a mid floor within a recently completed development. This apartment has been decorated to a very high standard throughout and offers amazing views. The sale of this property includes two parking spaces and a store room. Available for company let and CAT2 status.Viewing is highly recommended.

Set in an exclusive gated development within Gibraltar’s south district this unique spacious three bedrooms, two bathrooms garden apartment has 144m2 internally and 41m2 of terraces plus 60sqm of garden, will provide magnificent views of the straits of Gibraltar. Amenities include a state of the art fitness centre and fabulous gardens and play area. A private parking space is also included within the underground garage.

£650,000.00

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SOU510

3 bedroom | 2 bathroom

| www.bmi g roup.gi

£675,000.00

Would you like to see your property advertised here with Gibraltar’s Leading Estate Agent?

CONTACT US NOW TO FIND OUT HOW T: 200 51010

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

Your gateway to our expertise.

Welcome Premium Banking is a very different, highly personalised service that starts with one simple question, ‘what do you want it to mean to you?’ Understanding this enables us to tailor the service to meet your own personal requirements ensuring you enjoy the full benefits of Premium banking with NatWest in Gibraltar.

Expect more

For an appointment with one of our dedicated Premium Banking Relationship Managers, please call 00 350 200 70654.

27

The Royal Bank of Scotland International Limited trading as NatWest (NatWest). Registered Office: P.O. Box 64, Royal Bank House, 71 Bath Street, St. Helier, Jersey JE4 8PJ. Regulated by the Jersey Financial N.B. This Business magazineaddress: includes only a small of Place, our portfolio.

Please contact or visit our website. w w w.International b m ig rou p .gi Services Commission.

PO Box 11,selection 16 Library St Helier, Jersey, JE4 us 8NH. NatWest is the registered business name of The Royal Bank of Scotland Limited under|the Business Names Registration Act. Gibraltar business address: National Westminster House, PO Box 707, 57 Line Wall Road, Gibraltar. Regulated and authorised by the Financial Services Commission, Gibraltar to undertake Banking and Investment Business from 57 and 55 Line Wall Road and 1 Corral Road, Gibraltar. Premium Banking service is offered subject to status, Terms and Conditions apply. Calls may be recorded.

I N F O A RT I C L E

GAZUMPING Gazumping is an unpleasant practice which is unfortunately becoming common in Gibraltar. Imagine a happy couple, expecting their first child, who have decided to buy their first home.

They spend months finding the right property which they fall in love with, and their respective agent, persuades them that they should stretch their budget to buy it. Their offer is accepted, they pay their two percent deposit, instruct lawyers, and begin the formal mortgage application process. The purchase proceeds smoothly.

once an offer has been accepted, no other agent will market the property.

offers, rival buyers who have also viewed the property may make an increased offer at a late stage. When a higher offer is made, it would be unnatural for a seller not to be tempted to accept it instead of the earlier offer.

Particularly in a buoyant market, the practice is impossible to stop. But it causes heartache and unnecessary expense to buyers.

Unfortunately, despite the unfairness, there are good reasons why property purchases are dealt with in this way. Buying a home is not an uncomplicated process, and agreeing the price is only the start of it. Entering into a contract before due diligence has been undertaken by the lawyers and finance is obtained would be dangerous for both

Suddenly disaster strikes. Agent calls them on the telephone. Another agent has found a new buyer at a higher price, and the seller has decided to accept it instead of the couple’s offer. The couple, who have had to borrow from her parents to stretch their budget, cannot hope to match it and so lose the property.

What’s more, they have incurred legal fees, paid for their valuation and their mortgage application fee, but they have no one they can claim from to recover what they have spent. The couple are devastated, but have no option but to start again.

Is this fair? No. Is it legal? Yes. Until contracts are “exchanged” between buyer and seller or obliging the seller to sell, and the buyer to buy the property, either party can withdraw from the transaction, even where a deposit has been paid to the agents.

These deposits are paid “subject to contract” and therefore the seller is free to accept a better offer until contracts have been exchanged.

Why does it happen? Sellers may be greedy, and may instruct agents to continue marketing their properties in the hope of attracting a better offer, despite having agreed a deal already. Or rival estate agents, anxious to achieve their monthly sales targets may continue to market the property despite it already being under offer. Even when neither sellers nor their agents have sought other

28

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parties. What if there is a legal impediment to the seller’s ability to sell the property? What if the bank won’t lend the buyers the money on that property for legal reasons? It is important for buyers to arrange their affairs to enable them to buy. Having a legal obligation to buy at that early stage would make them liable to damages if they were unable to complete.

But there is a window in which the parties are exposed to the risk of being gazumped.

In the long term, if estate agents were to agree a code of practice between themselves to regulate the conduct of their business and their relationships with their clients and each other, gazumping would become much less common. They might for example agree that

The Government could also reform the conveyancing system by requiring a seller to provide a seller’s pack when they market the property as happens in Scotland. Such a pack might include some or all of • a home buyer’s survey, • a copy of the title deeds • the form of contract to be entered into, • receipts for property outgoings, and • an energy performance certificate for the buyers lawyer to review, thus reducing the time taken for the lawyers to collect their due diligence on the property.

In the meantimehere are practical steps buyers can take to reduce the risk of being gazumped. Obviously the faster the parties, their banks and lawyers act, the less time the buyers are exposed to the risk of gazumping. When buyers pay their pre contract deposits to the estate agents, they should ensure the seller is asked to withdraw the property from the market with other agents, as well as the agent to whom the deposit has been paid. Buyers should seek to exchange contracts as soon as possible, possibly completing at a later date, rather than following the usual practice in Gibraltar of exchanging and completing at the same time. Such steps will not remove the risk of being gazumped, but it will reduce the time buyers are exposed to the risk.

It is important to note that it’s not all just about regulation, or estate agents working by a code, but also about sellers and buyers behaving honourably towards each other. That said, if you are serious about your purchase, your first duty should be to consult your lawyer and proceed to exchange contracts as soon as you can.

If you’d like further information about the legal issues surrounding a purchase or sale, please contact me on 200 72020 or email me at julian.triay@triay.com

Julian Triay Partner Triay and Triay

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

thinking of moving?

Buying a home is probably the biggest investment you will ever make and selling is often a realisation of such investment. Whether buying or selling, it is imperative that you receive impartial advice.

Our property team comprises of leading lawyers in the real estate sector and offers a complete service whether residential or commercial including: • A full service including pre-contract advice/enquiries • Preparation of all documentation • Effective action to ensure your transaction goes smoothly • A timely flow of information so that you are kept updated • Competitive rates Triay & Triay value your need for both independent and unbiased advice and we do not act for both buyer and developer in any transaction.

So whether you are buying or selling, contact the legal experts in our property department to arrange an appointment.

Gibraltar’s Lawyers Since 1905 • • • • • • • • • • • • • •

Corporate & Commercial Employment Family Financial Services & Investment Funds Insolvency Litigation Personal Injury Private Client Property Shipping & Admiralty Taxation Telecommunications & E-commerce Trusts Wills & Probate

Triay & Triay, 28 Irish Town, Gibraltar Tel: +350 200 72020 • Fax: +350 200 72270 • info@triay.com • www.triay.com

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

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SPE C I A L FE AT U RE PRO PE RTI ES

THE SAILS QUE058 Features:

• 2 Bedrooms • 1 Bathroom • Category 2 • Terrace • Air Conditioning • Com Swimming Pool • Close to amenities • Allocated Parking Stunning two bedrooms, one bathroom apartment located within this exclusive development in the Queensway marina. This property provides views of the marina from a large terrace. The bedrooms provide fitted wardrobes. Sold fully furnished. Includes a private parking space. Amenities include communal swimming pool. Buy to let. Must be viewed.

£620,000

MARINA BAY MAR048 Features:

• 3 Bedrooms • 3 Bathrooms • Terrace • Air Conditioning • Com Swimming Pool • Highly recommended • Close to amenities • Permit Parking - Not Allocated

£640,000 Recently refurbished luxury apartment converted from two apartments, decorated to the highest of standards. Enjoys a large 25m2 approx. kitchen/days room with high tech appliances leads to private terrace (5m2) affording spectacular views to the Marina. In addition the property features hard wood floors throughout except kitchen area and bathrooms - A/C in most of the rooms - ample storage fitted cupboards. A large living room also provides direct access to a west facing terrace with large sliding glass doors providing picturesque views plus an east facing terrace providing views of the Rock and Mediterranean. All 3 bedrooms have fitted wardrobes. There is a study which could be used as a small 4th bedroom. Two shower rooms plus en-suite bathroom. The total internal area of this exclusive apartment is 197m2 approx. Permit parking bay included for 2 cars.

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| www.bmi g roup.gi

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

SOLD

SOLD

SOLD

SOLD

DEFINING

LUXURY

LIVING

IN

GIBRALTAR

SOLD SOLD

SOLD SOLD

SOLD

SOLD

SOLD

SOLD

SOLD SOLD

ALL AREAS APPROXIMATE

EURO

EU

RO

RO

PA

PA

INDIVIDUAL SITE AREA 600 SQM BUILDING AREA FLOOR 400 SQM

ROAD

AD

INDIVIDUAL SITE AREA 700 SQM

+66.00

BUILDING AREA FLOOR 400 SQM INDIVIDUAL SITE AREA 1000 SQM BUILDING FLOOR AREA 700 SQM

SITE AREA 290 SQM BUILDING FLOOR AREA 300 SQM

ACC

ESS

RO

AD

+69.75

+70.00

ACCESS

ROAD

Introducing Gibraltar’s

Prestigious Address...

A1 A2

+81.680

B1

A4 A5

A3

A6

A7

PHASE 1

B2

B3

B4

B5

LL WA

SITE AREA 2500SQM BUILDING FLOOR AREA 1060SQM

PHASE 2

0

COMING SOON

5

10

15

20

25

30

35

40

45

50 meters

A unique selection of bespoke villas on large plots with private gardens and swimming pools, affording spectacular views of the Straits and Bay of Gibraltar.

Tel: (+350) 200 51010 N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

BMI Group Limited, Unit 7 Portland House, Glacis Road, P.O. Box 469, Gibraltar

PHASE 3

A8

B6

PHASE 2 & 3 REGISTER YOUR INTEREST NOW

INDIVIDUAL SITE AREA 1060 SQM BUILDING FLOOR AREA 700 SQM

Email: info@bmigroup.gi w w w. b m ig rou p .gi |

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Architecture at i t ’s f ine s t

AKS

ARCHITECTS, ENGINEERS, PROJECT MANAGERS & QUANTITY SURVEYORS

t. +350 20073260 e. mail@aks.gi www.aks.gi

S PECIA L F EAT U RE PR O P ERT I ES

TOWN

UPP046 Features:

• 3 Bedrooms • 2 Bathrooms • Category 2 • Terrace • Patio • Air Conditioning • Swimming Pool • Highly recommended • Close to amenities • Lock Up Garage

£995,000

SOUTH DISTRICT

Spectacular detached property built over three levels, built to high quality specifications enjoying 235m2 of internal living area and 77m2 of private terraces and patio with private pool.

Comprising three/four bedrooms, two bathrooms (two en-suite), two guest cloakrooms, kitchen fully furnished including electrical appliances and two separate living/dining room.

This home has air-conditioning on the ground floor, two working fireplace and wooden floor throughout. The property boasts from two separate entrances offering the possibility of converting the property into two apartments.

Includes private lock-up garage (21m2). Sold fully furnished. Viewing highly recommended.

TOWN

TOW146 Features:

• 5 Bedrooms • 2 Bathrooms • Garden • Terrace • Patio • Close to amenities • Lock Up Garage

£1,299,500

BVP010 Features:

• 3 Bedrooms • 3 Bathrooms • Category 2 • Balcony • Terrace • Air Conditioning • Com Swimming Pool • Highly recommended • Close to amenities • Allocated Parking

£1,400,000

Set on the historic site of the Buena Vista Battery, this unique new development is a first for Gibraltar. Contemporary yet understated, it’s an exclusive collection of executive townhouses and detached villas with gardens, solariums and swimming pools. Investing in a Buena Vista Park Villas property makes perfect sense, from location to lifestyle.

Continental views across to Africa and Europe with 300 days of sunshine each year. Unrivalled privacy and security in a gated community. And, of course the many tax incentives that Gibraltar offers, including a Category 2 residency status, designed for high net-worth individuals relocating to Gibraltar, no capital gains tax, no VAT or inheritance tax.

QUEENSWAY QUAY

A unique colonial semi-detached property located in one of Gibraltar’s most historical areas. In superb order and is decorated in keeping with its colonial history. Ideally located next to Library Gardens providing pleasant garden views to the property. Boasting of approx. 310m2 internally with patio/garden and terrace areas amounting to approx. 80m2. The property includes fully fitted kitchen, pantry, guest cloakroom, separate dining room and a family room both with working fireplaces on the ground level with access to garden/ patio, ideal for lounging on lazy summer afternoons. Original features include sash windows and wooden floors throughout. On level one there are three bedrooms , a large bathroom and guest cloakroom. On level two there is a fourth bedroom, study, utility/storeroom which could be converted to a 5th bedroom enjoying access to an East facing roof terrace. Includes a lock-up garage. Viewing is highly recommended.

QUE103 Features:

• 4 Bedrooms • 4 Bathrooms • Category 2 • Terrace • Air Conditioning • Com Swimming Pool • Com Garden • Com Gymnasium • Highly recommended • Close to amenities • Underground Parking

£1,195,000

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

Highly desirable two level Penthouse situated in the exclusive Ragged Staff Wharf development, over 197m2 of internal area and 70m2 of wrapping around terrace with flow through sea, marina, bay and Rock views. Accessed via lift, configured as a 4 bed (3 with built in wardrobe), 4 bath (2 en-suite), designer kitchen, reception room and dining room. Exceptional quality and a distinctive attention to detail are found at every turn, featuring high ceiling, hardwood flooring and carpets in bedrooms.

Amenities include communal swimming pools, gardens and gymnasium. The property includes 2 private underground parking spaces.

Suitable for Cat 2. Sold fully furnished.

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G IB R A LTA R S A L ES | 4 + B e d rooms

4+ bed

SOUTH DISTRICT

SOU498

SOUTH DISTRICT

SOU499

4 bedroom | 3 bathroom

4 bedroom | 2 bathroom

Charming four bedroom three bathroom (en-suite) duplex apartment of approx 120 m2 decorated to a lovely country style, providing a fully fitted family size kitchen inclusive of electro-domestics. This property is located within the South District enjoying sea views from the decked terrace with a private Jacuzzi area fitted with awning and upper split level garden area. The living room is bright and cheerful and leads to the terrace.

Viewing is recommended.

Fully modernized property based in the South District.

Close to all amenities. Formally ex-military base which has been tastefully modernized to a very high standard.

Property comprises of the following: Ground floor Top of the range kitchen with Electrolux appliances, Granite worktops and large working spaces, laundry room, dining area, lounge with dimplex living flame fire with cosy family feel and family shower room.

Patio area for outdoor BBQ and eating. Established planting

£595,000.00

£599,000.00

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SOU493

SOUTH DISTRICT

SOU489

EUROPLAZA

EPL156

4 bedroom | 3 bathroom

4 bedroom | 2 bathroom

4 bedroom | 2 bathroom

Ideal family home not to be missed!!! 4 bedroom 3.5 bathroom Town House located within Lord Napier Mews in the sought after area of the South District. Built on four levels, furnished and fitted throughout with ground floor kitchen diner (inclusive of separate utility room and guest cloakroom) leading out onto a large decked terrace with access to a garden area. Upper levels include large reception, study room (could be a fourth bedroom), three bedrooms, three bathrooms (2 en-suite) and lounge area. The property offers an area of approximately 160m2 internally and approx..

60m2 external and includes ample storage space. The gated development enjoys external communal and landscaped areas shared amongst 12 neighbours. Includes one allocated parking space. Viewing is a must.

Unique apartment in the South District within a small complex consisting of four bedrooms, 1 bathroom, shower room and guest cloakroom. The property provides approximately 165m2 internally plus approx. 45m2 of patio with a built in cupboard. Additional the property enjoys two terraces, west/south facing offering panoramic views of Africa and Bay. The apartment affords spacious family kitchen fully fitted and equipped with adjacent south facing terrace, separate dining room and lounge with a feature fireplace (with possibility of converting to a working fireplace). Bedrooms are all double rooms and provide plenty of storage. The development also provides a communal Swimming Pool used exclusively by four neighbours and two private parking bays included.

Luxurious four bedroom, two bathroom apartment located within this popular development. This apartment enjoys amazing south/west view and provides a spacious terrace of approx. 13m2 in addition, another terrace of 5m2 approx. leading from the Master bedroom. The property has been finished to a very high standard with hardwood flooring throughout, high spec kitchen and provides lots of storage space. Bathrooms decorated with marble tiles. Air Conditioning also features within this property as well as a private parking space & communal podium level. Viewing is highly recommended.

£625,000.00

£650,000.00

£740,000.00

| www.bmi g roup.gi

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

GIBRA LTA R S A LES | 4 + Be dr o o m s

SOUTH DISTRICT

SOU502

LORD NAPIER VIEWS

SOU483

SOUTH DISTRICT

SOU362

4 bedroom | 3 bathroom

4 bedroom | 3 bathroom

4 bedroom | 2 bathroom

Desirable property not to be missed!!! Semi-detached house on 3 levels, located within a small exclusive residential development, located in the sought after area of the South District. This desirable property has been totally refurbished to a high standard & provides four bedrooms, three bathrooms (2 en-suites), guest cloakroom, open plan family kitchen fitted by “Pepe Cote”, large living/dining room leading on to terrace area enhanced with foliage and fruit trees. Property offers plenty of storage facilities including attic.

In addition the Master bedroom boasts of a private balcony offering panoramic views of the Bay. Lock-up garage plus a secure off-street parking included.

Conveniently located in the sought after south district, Lord Napier Mews is a prestigious development with many features unique to Gibraltar. The elevated position allows stunning west facing views and the mews is surrounded by lush landscaped gardens. The colonial style of the original building combined with the contemporary western extension creates a unique home wonderful style and character. The property consists of four bedrooms, three bathrooms cloakroom and utility room. The family kitchen, on the lower level of the property enjoys the flow of leading to a decked terrace area and down to a split level is the pool which has integrated Jacuzzi/ heating and swim against the current motor. The property has been finished to a very high standard throughout. Private parking space is also inclusive as well as three large terraces. Sold fully furnished. Viewing is highly reccommended. Suitable for CAT2 status.

A unique and beautiful penthouse apartment situated within a small complex in the exclusive area of Mount Road in the south district with magnificent views of the bay and Africa.

This property provides 265sqm internally plus 60sqm of terrace. Property consist of 4 bedrooms, 2 bathrooms.

Provides a private parking space. There is also ample space to park a motor cycle. Must be viewed!

£795,000.00

£825,000.00

£875,000.00

OCEAN VILLAGE

OCE151

PORTLAND HOUSE

POR047

TRADEWINDS

TRA020

4 bedroom | 3 bathroom

4 bedroom | 3 bathroom

4 bedroom | 3 bathroom

Remarkable four bedroom, three bathroom apartment of approximately 156m2 located within the exclusive development of Ocean Village. This property is situated on a high floor overlooking the Marina and Bay from its private terrace of approx. 44m2. The bespoke apartment decorated by an interior designer shows elegantly and boasts of the highest standards. Includes a private parking space within the underground garage. Amenities include swimming pools, jacuzzis as well as a gymnasium.

Extraordinary 4 bedroom, 3 bathroom (2 en-suite) and 1 guest cloakroom penthouse apartment boasting of approximately 154m2 internally plus 45m2 of terrace, located within this luxury marina side development. Offers spectacular views of the Marina, Bay, Africa and Spain. This property is in good order and is well presented throughout.

The lounge/living area together with a separate dining room enjoys direct access to a private terrace. In addition this apartment also provides a room next to the main terrace which could be a 5th bedroom or tv/games room.

Living/dining room features air-conditioning and working fireplace. Must be viewed - Highly recommended.

This exclusive penthouse apartment has been interior designed and fitted to the highest level. The spacious bedrooms offer fitted wardrobes and access to private terraces. Its bright and airy living room offers a designated dining area and a luxury open plan kitchen. The property boasts a large private terrace to enjoy the great sea views, it is fully air conditioned, includes 2 private parking bays in the secure underground garage and is being sold fully furnished, as seen.

£999,950.00

£1,100,000.00

£2,050,000.00

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

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35

S PAN I S H S A L E S | Sp a n i s h Re s a l e s

Spain

SOTOGRANDE

SOTOGRANDE

36

R143-01253

R143-01151

SOTOGRANDE

143-01044P

1 bedroom | 1 bathroom

1 bedroom | 1 bathroom

A refurbished south orientated studio apartment on the second floor in the popular Sotogrande Marina. An excellent kitchenette has been installed and there is an en suite bathroom with a washing machine. Seconds away from all the Port amenities, restaurants and shops and the Torreguadiaro beach. Ideal as a pied a terre and rental investment.

A well presented one bedroom penthouse in the ever popular Puerto Sotogrande with good views across to the sea. This apartment is ideal as a holiday base or for rental investment. The bedroom has fitted cupboards and en suite bathroom. The sitting room has a fully fitted open plan kitchen and sliding doors to a spacious terrace.

Air conditioning/heating. Underground parking space.

Administrative concession : 42 years approx. remaining.

€99,000.00

€175,000.00

SOTOGRANDE

R143-01123

SOTOGRANDE

143-01038P

1 bedroom | 1 bathroom

2 bedroom | 2 bathroom

3 bedroom | 2 bathroom

A spacious and well-presented first floor one bedroom apartment in Isla del Pez Volador, ideally situated next to the new Marina within a couple of minutes walk of Sotogrande beach, the Octogono Beach Club and the Tennis and Padel Tennis Club. Ideal as a holiday apartment or all-year-round living. The living/dining room leads to a covered terrace with views to the Marina and the canal surrounding the building.

The well fitted and equipped kitchen has a serving hatch to the dining area. The bedroom has fitted cupboards and an adjoining marble-tiled bathroom. Air conditioning/heating. Community swimming pool. Parking space. Store Room.

A superbly presented two bedroom two bathroom marina apartment with a large wrap around covered terrace. The property has been the subject of significant investment resulting in some re-design and total refurbishment including new windows, doors, bathrooms and fitted kitchen. Accommodation comprises:- Hall, living room, spacious and very light with glazed sliding doors to two sides. Kitchen, newly fitted to a high standard. Master bedroom with en suite walk in dressing room and newly fitted en suite bathroom. Second bedroom with newly fitted built in wardrobes. Second bathroom, now a shower room with a large walk in shower. The property represents an opportunity to purchase an apartment better than when originally built within the marina.

An ideally located ground floor apartment in the popular Casas Cortijo next to the exclusive Valderrama Golf Club. Approached through a private patio with built-in seating for outdoor dining, the living room has direct access to the communal gardens.

The master bedroom has an en suite bathroom and a small patio. There are two further bedrooms and an adjoining bathroom. The kitchen is fully fitted and equipped. The property would benefit from upgrading and is ideal for all year round living or as a holiday home. Air conditioning/heating. Garage.

Mature communal gardens. Community swimming pool.

€185,000.00

€240,000.00

€245,000.00

| www.bmi g roup.gi

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

S panish Resales | S PA NIS H S ALES

SOTOGRANDE

143-01039P

SOTOGRANDE

R143-00304

SOTOGRANDE

R143-00833

3 bedroom | 3 bathroom

2 bedroom | 2 bathroom

2 bedroom | 2 bathroom

A top floor apartment in the sought after Apartamentos Tenis complex next to the Hotel Sotogrande and its facilities. A spacious living room/dining room with fireplace and an enclosed terrace with views across Sotogrande to the sea in the distance and La Cañada Golf Club. The accomodation comprises a master bedroom with an en suite bathroom, a second bedroom, at present used as an office, and an adjoining shower room. The third bedroom has an en suite bathroom. Ideal as a holiday home or all year round living. Central heating.

An excellent South facing penthouse in the Marina, in superb condition with two bedrooms, two bathrooms (main bathroom en suite is new) and new kitchen.

Magnificent south views over the Marina towards Gibraltar and Africa. Features include:- Airconditioning / heating and polished marble tiled floors. Administrative concession : 44 years remaining approx.

An attractive first floor south facing two bedroom apartment in the popular El Polo complex. The spacious living room with fireplace leads on to a covered terrace. The fully fitted and equipped kitchen has a breakfast area. The main bedroom with access to the terrace, has a dressing area and en suite bathroom. There is a guest bedroom with bathroom. Air conditioning/heating. Parking space. Storage room. Large community swimming pool. Extensive community gardens.

Paddle tennis and gym.

€249,000.00

€290,000.00

€325,000.00

SOTOGRANDE

R143-01223

SOTOGRANDE

143-01027P

SOTOGRANDE

R143-01242

3 bedroom | 2 bathroom

3 bedroom | 2 bathroom

2 bedroom | 2 bathroom

A recently refurbished second floor sea facing beach apartment providing comfortable three bedroom two bathroom accommodation. The property went through a full refurbishmentat the end of 2009, including a new fully equipped modern kitchen, full replacement of the plumbing system and bathrooms. New micro-cement flooring in the living areas and wood flooring in the bedroom areas and hallway. The apartment faces due south, the living room and master bedroom benefit from a spectacular view.

A well situated semi detached townhouse in a quiet cul de sac location backing onto the community gardens and the swimming pool in the popular Sotomar complex. The accomodation comprises entrance hall leading to the living room with direct access to a private lawned garden and a gate to the community gardens and swimming pool. Fully fitted kitchen. Main bedroon with bathroom en suite. Two further bedrooms and a second bathroom. Stairs to the first floor landing with door to a large private roof terrace which overlooks the community gardens and pool.

A large two bedroom two bathroom penthouse apartment in a superb location with outstanding views South and West across Almenara Golf course and the Golf lake. The apartment occupies one of the best locations in Los Gazules with a high level of privacy from its elevated corner location. Accommodation comprises:- Hall, spacious living room with open fireplace and glazed doors to a large open terrace with pergola and automated sun shade. Cloakroom and coats cupboards, Master bedroom with walk in wardrobe and glazed doors to the open terrace.

En suite bathroom with spa bath. Guest bedroom with built in wardrobes and en suite bathroom. The apartment has air conditioning/heating throughout, marble tiled floors, roller blinds to bedroom windows, fitted safe, two garage spaces and a storeroom.

€325,000.00

€330,000.00

€335,000.00

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

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37

S PAN I S H S A L E S | Sp a n i s h Re s a l e s

SOTOGRANDE

SOTOGRANDE

R143-00682

SOTOGRANDE

R143-01062

3 bedroom | 3 bathroom

2 bedroom | 2 bathroom

An exceptionally well presented and upgraded south facing town house in the sought after La Loma. Arranged on two levels, the ground floor has an entrance hall with guest cloakroom, leading to a spacious living room with fireplace and dining room, and a fully fitted and equipped kitchen and service patio. The original covered terrace has been incorporated into the living room with sliding doors to a large covered terrace overlooking the garden. On the first floor is the master bedroom suite with bathroom and dressing room, which can easily be converted back into the 4th bedroom. There are two further bedrooms with an adjoining bathroom. Garage. Community swimming pool and tennis courts.

Overlooking the Marina, this second floor apartment offers good family accommodation with a generous living room/ dining room leading onto a spacious terrace. The three bedrooms with three bathrooms (2 en suite) are well proportioned and the distribution is ideal with plenty of light, with ducted air conditioning and heating system throughout.

Administrative concession : 42 years approx. remaining.

A beautifully presented well situated two bedroom two bathroom townhouse with uninterrupted views to the sea located next to the La Reserva Golf Course. The property benefits from the 24 hour security of a gated community with community pool and landscaped gardens and a short walk from the La Reserva Golf Club. Features include:- Air conditioning/heating, underfloor heating, alarm system and sophisticated domotic electronic home management system. Accommodation comprises:- Hall, large well fitted kitchen, cloakroom, living room with open fireplace and double glazed doors to pergola terrace and garden.

€350,000.00

€370,000.00

€395,000.00

SOTOGRANDE

R143-00598

SOTOGRANDE

143-01015P

SOTOGRANDE

R143-01148

4 bedroom | 3 bathroom

3 bedroom | 3 bathroom

3 bedroom | 3 bathroom

A superb, beautifully presented and well located three bedroom (formerly four bedrooms), 3 bathroom semidetached villa with lovely west facing views to San Roque Golf. The property has a private lawned garden backing onto a wooded community green zone. L-shaped living/ dining room with open fireplace and patio doors to covered terrace and garden. This room has been opened into what would have been the fourth bedroom (easily converted back) to create greater living space. Newly fitted and extended kitchen with breakfast area.

A well cared for three bedroom three bathroom waterfront corner duplex penthouse with exceptional south facing sea views towards Gibraltar and Africa. The accommodation comprises living room opening onto a large south facing terrace, a bedroom, presently in use as a dining room with glazed doors to the terrace, with bathroom en suite.

Well proportioned fitted kitchen with utility room. Master bedroom with en suite study and bathroom, stairs to landing and bedroom three with en suite bathroom and door to a tremendous roof terrace which is a well stocked roof garden with total privacy and fantastic sea and river views.

A spacious first floor apartment overlooking the new marina. The living room with fireplace and also the main bedroom with en suite bathroom have direct access to the covered terrace. The two bedrooms at the rear of the apartment, one with an en suite bathroom, the other with an adjoining shower room, have direct access to a large rear terrace. The fully fitted and equipped kitchen opens onto the side terrace. Air conditioning/heating. Parking space. Store room. Community swimmimg pool.

€425,000.00 38

143-01041P

4 bedroom | 2 bathroom

| www.bmi g roup.gi

€460,000.00

€475,000.00

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

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39

S PAN I S H S A L E S | Sp a n i s h Re s a l e s

SOTOGRANDE

SOTOGRANDE

143-01029P

SOTOGRANDE

143-01034P

2 bedroom | 2 bathroom

3 bedroom | 3 bathroom

A well presented and spacious penthouse in the Marina with very good views. Entrance hall leads into a large living room/dining room with direct access to a large terrace and a jacuzzi on a raised platform. Main bedroom with en suite bathroom and a second bedroom with an adjoining bathroom, both with direct access to the terrace. A third bedroom with an en suite bathroom. A fully fitted and equipped kitchen, leading to a laundry/drying area. Two underground parking spaces. Air conditioning/heating. 10m berth. Community swimming pool.

A superb and well presented penthouse apartment with wonderful views over the Sotogrande Marina. Entrance hall leading to living room/dining room with fireplace and direct access to a large open terrace overlooking the Marina. A quality fully fitted and equipped kitchen with door to the terrace. Master bedroom with a range of fitted cupboards in the dressing area and en suite bathroom with separate shower. Guest bedroom with an adjoining bathroom. Air conditioning/heating. Garage parking.

Store room. Highly recommended.

€495,000.00

€590,000.00

An inmaculate and well presented south facing townhouse in the popular Ribera del Emperador complex, close to the Octógono Beach Club and the Tennis and Paddle Tennis Club opposite. The accomdation is arranged on two floors with an entrance hall leading to the dining area with steps down to the living room with an open fireplace and doors leading to a pergola covered terrace overlooking the garden. A fully fitted and equipped kitchen with direct access to a pergola covered outside dining patio. A guest bedroom with en suite bathroom. On the first floor is the master bedroom with dressing area and en suite bathroom with separate shower.

SOTOGRANDE

40

143-01036P

3 bedroom | 3 bathroom

R143-01203

SOTOGRANDE

€650,000.00

143-01025P

SOTOGRANDE

143-01017P

4 bedroom | 3 bathroom

4 bedroom | 3 bathroom

3 bedroom | 3 bathroom

A well situated detached villa set in a large mature and very private garden. The property has been well maintained and offers excellent family accommodation which comprises:Hall, living room with open fireplace and archway to dining area with glazed doors to terrace. A large well appointed kitchen and utility room, three guest bedrooms, one with bathroom en suite the other two sharing a bathroom, Stairs to first floor where there is a large master bedroom with open fireplace and bathroom en suite and a separate office/ study. Outside is a large pool and barbeque area and garden store, a driveway leads to a large double garage with further storage room beside this fronts onto an area of garden with mature cork oaks.

A charming family villa in Sotogrande Costa in a quiet residential street overlooking a green zone. Spacious entrance/dining hall with access to the main bedroom and en suite shower room with door to the laundry room.

On this level there are two further bedrooms with an adjoining bathroom. Steps down to the living room with an open fireplace and door to the fully fitted kitchen with breakfast area and access to the spacious terrace with dining area overlooking the swimming pool and garden. On the garden level is a sitting room/study and the fourth bedroom and an adjoining shower room. Ample off-street parking and covered car port. Gas central heating. Store Room.

Swimming pool.

A well located spacious three bedroom three bathroom terraced house a few steps from the tennis club beach club and beaches in a gated community with private community swimming pool in the Sotogrande inner marina. The accommodation comprises entrance hall, bedroom with built in wardrobes, bathroom, dining room opening onto the fitted kitchen which in turn has glazed doors opening onto a pergola terrace. The living room is on a lower level with open fireplace and glazed doors to the rear garden. Stairs to landing where there are two bedrooms with bathrooms en suite and built in wardrobes, also a terrace which lends itself ideally to conversion to a 4th bedroom subject to planning.

€650,000.00

€695,000.00

€695,000.00

| www.bmi g roup.gi

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

S panish Resales | S PA NIS H S ALES

SOTOGRANDE

R143-01019

SOTOGRANDE

R143-00737

SOTOGRANDE

R143-00618

3 bedroom | 2 bathroom

3 bedroom |3 bathroom

4 bedroom | 4 bathroom

A well located villa on the upper side of Sotogrande close to the Almenara Hotel and Golf Course with double aspect views north to the Valderrama Golf and south towards the San Roque Golf Club. On the ground floor is a living room with a dining area leading to a pergola covered terrace overlooking the garden and pool with good views towards Valderrama. There are also two bedrooms and a bathroom, a fully fitted kitchen and a guest cloakroom. On the top floor is the main bedroom with access to its own terrace, en suite bathroom and dressing area. Off street parking and a garage.

An excellent 3 bedroom penthouse occupying an enviable position with terraces facing both east & west over two squares of the Marina. The accommodation comprises of an entrance hall, large living room incorporating dining area, sitting room opening onto a large sun terrace, a master bedroom suite with bath and shower in the bathroom,two further double bedrooms both with en-suite bathrooms, open plan fully fitted kitchen. Other features include: hot/ cold air conditioning and satellite T.V.

A cortijo style villa with lovely views and newly constructed on the Valderrama side of Sotogrande with 4 bedrooms, 4 bathrooms, 2 car garage and swimming pool. Finishes include cream marble floors, white PVC windows with PVC rolling blinds, marble tiled bathrooms with whirlpool bath to master bedroom, gas fired radiator central heating, air conditioning. Outside the gardens are lawned with automatic sprinkler system.

€699,000.00

€700,000.00

€750,000.00

SOTOGRANDE

R143-01042

SOTOGRANDE

R143-00537

SOTOGRANDE

R143-00830

4 bedroom | 4 bathroom

5 bedroom | 4 bathroom

4 bedroom | 3 bathroom

A newly built four bedroom four bathroom villa with direct frontage to the La Reserva Golf Course. The property has been built in a traditional style but with an array of modern luxury features. The spacious accommodation has terracotta floors throughout, under floor heating, air conditioning/ heating, alarm pre installation, intelligent house (domotics) system to control house electronic systems remotely.

Hardwood double glazed external windows and doors.

The kitchen is fully fitted and equipped featuring silestone worktops. Accommodation comprises:- Hall, cloakroom, bedroom with bathroom en suite, living room with open fireplace with french doors tp covered terrace pool and garden, Dining room with open fireplace looking onto a large walled secluded terrace and double garage.

A spacious, modern Andalusian-style family villa within a large enclosed private plot and finished to a very high standard. The ground floor is arranged around a large central interior courtyard comprising entrance hall with cloakroom, a large living room with open fireplace and glazed doors to covered terrace and garden with large swimming pool. Study/dining room. Two bedrooms each with air conditioning and door to garden. Third bedroom with bathroom en suite and walk in dressing room. Second bathroom with bath and seperate shower. Fourth guest bedroom with en suite shower room. An excellent large recently fitted kitchen with central island. Games/pool room with patio doors to garden and wood floors.

A modernised bright and spacious villa set in a large mature garden with cork trees, avocado and fruit trees and palm trees, situated in a quiet cul-de-sac. Leading from the double height entrance hall is a large split-level living room with open fireplace, opening into an excellent large fully fitted and equipped kitchen with dining area. On the ground floor there are four bedrooms and three bathrooms. Approached via a lift to the top level is a sitting room or possible 5th bedroom leading to a large chill-out roof terrace. Features include heating, newly built swimming pool set in a mature garden.

Double carport and off-street parking.

€945,000.00

€950,000.00

€850,000.00

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

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41

S PAN I S H S A L E S | Sp a n i s h Re s a l e s

SOTOGRANDE

SAN ROQUE

R143-01244

SOTOGRANDE

R143-00887

4 bedroom |3 bathroom

4 bedroom | 4 bathroom

A superb and beautifully presented duplex penthouse in the sought-after Ribera del Río overlooking the River Guadiaro.

Spacious entrance hall leads into a large high ceilinged living room/dining room and fireplace with sliding doors onto a partly covered split-level terrace with private pool and spectacular south views over the river, Sotogrande and the sea beyond. Fully fitted and equipped luxury kitchen.

Staircase up to the master bedroom with dressing area and large ensuite bathroom with separate shower. Second bedroom with bathroom en suite. On the upper level is a very large roof terrace with jacuzzi. On the lower floor are two further bedrooms each with ensuite bathrooms and a guest cloakroom.

A beautifully presented front-line golf villa in the San Roque Club. Approached through a driveway, the spacious entrance hall leads to an attractive living room with an open fireplace and direct access to a covered terrace overlooking the garden, swimming pool and the golf course. Leading off this room, at one end is a separate dining room and a study/ bedroom 4 off the other, both overlooking the garden. The excellent kitchen is fully fitted and equipped with a spacious dining area. There are a further two bedrooms and a bathroom on the ground floor. On the first floor is a very large master bedroom with two spacious bathrooms en suite and also direct access to the roof terrace overlooking the garden and the golf course. There is a separate double garage, storage and the boiler room.

A spacious four bedroom four bathroom villa with views to Almenara and San Roque golf courses. The accommodation is spread over three floors. The entrance level and middle floor comprises:- hall, cloakroom, door to integral double garage, large well fitted kitchen with utility room. Adjoining dining room and living room with open fireplace with glazed patio doors opening onto a large covered terace leading to the pool and gardens. Double bedroom with en suite bathroom with separate bath and shower. Stairs lead down to a lower hall with fitted cupboards and walk in storerooms. Large guest bedrooms both with en suite bathroom with separate shower. The master bedroom is on the upper floor with a large walk in dressing area, well appointed en suite bathroom with separate shower and glazed door to large open terrace.

€950,000.00

€950,000.00

€980,000.00

SOTOGRANDE

42

R143-01238

4 bedroom | 4 bathroom

R143-00269

SOTOGRANDE

143-01018P

SOTOGRANDE

R143-00629

4 bedroom | 3 bathroom

4 bedroom | 4 bathroom

4 bedroom | 3 bathroom

A well presented and maintained 4 bedroom villa located on an elevated plot with south facing views, set in a well established and mature garden with open terraces and a large covered terrace, ideal for entertaining. The property has a spacious living room with open fireplace, a small office vestibule, sitting room/television room, dining room, and a large fitted kitchen with walk in larder, cloakroom and utility room with drying patio. There are three bedrooms and two bathrooms (one en suite) on the ground floor and a large first floor master bedroom with a separate dressing room and en suite bathroom, and fantastic south views towards Gibraltar. Swimming pool, carport, alarm system and solar panels for hot water.

A superb very spacious and extremely well situated corner apartment situated in one of the best apartment buildings in Sotogrande with south facing sea and river views to Gibraltar.

The property features an extensive partly covered corner terrace of over 150m2 incorporating a private infinity plunge pool, there is a large pool in the community gardens. Living room with open fireplace, fully fitted kitchen, cloakroom four double bedrooms and four bathrooms, three of which are en suite, all the bedrooms have fully lined and fitted built in wardrobes, there is further storage by way of a large basement storeroom and garaging for up to four cars.

€1,050,000.00

€1,090,000.00

A spacious family villa with lovely views south towards The San Roque Golf Course. The property has a large drawing room and a separate dining area, both with direct access to a covered terrace overlooking the garden and swimming pool. The main bedroom on the first floor has an en suite bathroom with separate shower, and a second bedroom, both with direct access to a large terrace with fantastic views.

There is a third bedroom and bathroom. On the ground floor is a further bedroom and bathroom, a study/TV room and a fully fitted and equipped kitchen. Leading from the rear drying patio is a self contained maid´s bedroom with shower room, and a utility room. Under floor heating, pre-installation for air conditioning, swimming pool, enormous underground garage with storage, lawned garden with automatic irrigation.

| www.bmi g roup.gi

€1,270,000.00

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

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S PAN I S H S A L E S | Sp a n i s h Re s a l e s

SOTOGRANDE

SOTOGRANDE

R143-01066

SOTOGRANDE

R143-01133

6 bedroom | 4 bathroom

4 bedroom | 4 bathroom

A large ground floor beach aprtment in a spectacular beach location providing uninterrupted views across the beach, river estuary and nature reserve to Gibraltar and the African coastline. Originally two apartments which have since been combined the accommodation comprises :Hall serving two bedrooms one with a bathroom en suite and a second bathroom, fitted kitchen, a living/dining room, a very spacious room with galzed patio doors opening onto the extensive south facing terrace and garden. A living room with fitted shelving cabinets to one wall and glazed doors to the terrace and garden. Inner hall. Study with fitted shelving and cupboards.

A beautifully presented south facing family villa with six bedrooms, four bathrooms and a cloakroom, set in a mature garden, in a well established area of Sotogrande Alto close to the Valderrama and La Reserva Golf Courses. The entrance hall with guest cloakroom, leads into a high ceiling living room with open fireplace, a dining room and an excellent large fully fitted kitchen and breakfast area. Off the kitchen is an utility room and store room and a maid´s bedroom with ensuite shower room. On the ground floor, there are two bedrooms and a bathroom, a sitting room with fireplace, kitchen and dining area which could be used as a self contained apartment with separate entrance.

A well appointed villa with views towards the Almenara golf course. The accommodation is on two floors served by an elevator. Accommodation comprises, hall, Living room with open fireplace and glazed doors to terrace and garden, separate dining room, well appointed fitted kitchen with door to covered terrace and elevator access, Guest bedroom with en suite bathroom, Integral double garage. Stairs to landing, two guest bedrooms with en suite shower rooms and the master bedroom with a large en suite bathroom including a steam room, elevator access and en suite terrace. Outside there is an extensive parking area, in addition there is a second lower garage with elevator access and to the rear is a swimming pool. The property has air conditioning/heating.

€1,500,000.00

€1,550,000.00

€1,600,000.00

SOTOGRANDE

44

R143-01159

4 bedroom | 4 bathroom

143-01023P

SOTOGRANDE

R143-00880

SOTOGRANDE

R143-01262

5 bedroom | 5 bathroom

4 bedroom | 4 bathroom

4 bedroom | 4 bathroom

A beautifully presented family villa with all the accomodation on one level and a very large underground garage, bordering the Valderrama Golf course, on the lower side of Sotogrande Alto. The spacious entrance hall leads into a large, high ceilinged drawing room with open fireplace and archway into a spacious dining room and sitting room with direct access to the mature and flat garden backing onto the golf course. The spacious fully fitted kitchen has a separate breakfast room and steps down to the basement garage. Leading from the kitchen is a maid´s bedroom and bathroom, also a service patio. The master bedroom suite has a dressing area with fitted cupboards and a spacious en suite bathroom with separate shower.

An ideally located single storey villa next to the Sotogrande Polo Club and near to the Royal Sotogrande Golf Club and the Beach Clubs. The property has an attractive living room with an open fireplace leading to a bright dining room with full length glass on two sides overlooking the garden and the swimming pool. The accomodation in the main house offers 3 bedrooms with en suite bathrooms and a fully fitted kitchen with breakfast area. In addition there is a guest cottage with a large sun terrace bordering the pool which has a sitting room/bedroom with open fireplace, bathroom, bedroom and further space for a small kitchen or storage space.

There is a large double garage, gas central heating and air conditioning in two of the bedrooms.

€1,750,000.00

€1,800,000.00

New on the market. A charming Andalucian style villa in a quiet established area of Sotogrande Costa. The villa has been sympathetically added to by the present owners over recent years. Backing onto the Guadalquiton cork forest the property has a high level of privacy, almost a rural feel for a property so close to the sea. The well appointed accommodation comprises. A cortijo style walled entrance patio, spacious entrance hall, tv room/snug with open fireplace, a dining room with glazed doors to a large covered dining terrace, Well fitted kitchen with central island and door to a large utility room, formerly a fifth bedroom with bathroom en suite. Living room, an attractive feature of the property and a more recent addittion with elevated ceilings, plenty of light and space.

| www.bmi g roup.gi

€1,850,000.00

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

S panish Resales | S PA NIS H S ALES

SOTOGRANDE

R143-01265

SOTOGRANDE

R143-01090

SOTOGRANDE

R143-00666

7 bedroom | 6 bathroom

5 bedroom | 7 bathroom

4 bedroom | 4 bathroom

New on the market. A superb and well presented family villa in Sotogrande Costa within walking distance of the Royal Sotogrande Golf Club, the Cucurucho and Octogono Beach Clubs and the tennis and padle tennis courts. Ideally located, this property has accomodation arranged on two levels with a spacious entrance hall leading to the living room with open fireplace overlooking and with direct access to the large covered terrace and the flat garden mainly laid to lawn. The fully fitted and equipped kitchen is open plan to the dining room with access to the covered terrace. The large bedroom/ study has an ensuite shower room/cloakroom. There are two bedrooms with doors leading to a shared bathroom. Two further bedrooms each have en suite bathroom with separate shower. Utility room.

A new villa in the exclusive Altos de Valderrama estate. The property is finished to a high standard by an established local building contractor, the very spacious and highly specified accommodation comprises:- Granite paved driveway to a large integral three car garage. Entrance porch, double doors to double height entrance hall with cloakroom, living room with open fireplace and glazed patio doors to its full length opening onto an extensive south facing wrap around covered terrace, television/family room with open fireplace and glazed doors to the terrace, dining room with glazed doors to terrace, large kitchen dining room ready for furnishing, service bedroom with en suite shower, laundry room., two large guest bedrooms each with built in wardrobes and large en suite bathroom.

A superbly appointed newly constructed 4 bedroom, 4 bathrooms villa situated in a quiet established cul-de-sac.

Fully fitted kitchen/breakfast room and utility room. The property incorporates a ground floor guest suite comprising sitting room, kitchen, cloakroom, bedroom and bathroom.

The ground floor 4 accommodation comprises hall, living room and dining room opening onto a large covered terrace and the pool room comprising a 12,3 x 7 m. heated pool with pool shower room. To the first floor is the landing and 3 very large bedrooms with en suite bathrooms. The master bedroom has a dressing room and jacuzzi bath. Top quality marble flooring throughout, solar assisted hot water and water softener, air conditioning etc...

€2,100,000.00

SOTOGRANDE

€2,700,000.00

SOTOGRANDE

€2,750,000.00

R143-01178

6 bedroom | 6 bathroom

7 bedroom | 7 bathroom

SAN MARTIN DEL TESORILLO R143-01229 8 bedroom | 7 bathroom

Stunning front line golf villa with magnificent views over the lakes on the beautiful final course (Los Lagos) of Almenara Golf Course designed by Dave Thomas, as well as the surrounding hills and countryside beyond. The property is situated in Sotogrande Alto, providing privacy and exclusivity while being within easy reach of the Beach Clubs, the Port and the Marina of Sotogrande, the Polo fields and the other golf courses of Valderrama, Real Club de Golf de Sotogrande, La Reserva, San Roque and La Cañada.

A light, spacious residence which has been designed so that the main rooms all have a southerly aspect over the garden, lake and hills.

This impressive house with fantastic views of two golf courses is one of the most unique villas built in Southern Spain. This newly built property has the advantage of the latest technology mixed with antiques such as a 17th century fountain and a 19th century gate from a monastery. The beams of the guest house are carved antique. The entrance to the property is through a Moorish style patio, featuring an antique fountain. MAIN HOUSE : The very large living room with open fireplace has stucco walls and authentic old marble flooring. There is a separate dining room and a large luxury L-shaped kitchen fully fitted and equipped with sitting area which opens onto a large terrace, pond and outdoor dining area. There is a separate large utility room with entrance to a two car garage.

€4,500,000.00

€4,750,000.00

An outstanding property of superior quality set in nineteen hectares of beautiful countryside with wonderful views, twenty minutes inland from Sotogrande. The main house is approached through an Andalucian style courtyard patio with fountain leading to the attractive entrance hall with cloakroom and double doors to a spectacular high ceilinged drawing room with open fireplace and direct access to the terrace and garden. Double doors open into the dining room with sliding doors to the library/sitting room with open fireplace.

The master bedroom suite has a large dressing room with an excellent range of cupboards and en suite bathroom with separate shower. There are two further bedrooms, one with en suite bathroom with separate shower which is also accessed from the master bedroom suite and the other with en suite shower room.

143-01032P

N.B. This magazine includes only a small selection of our portfolio. Please contact us or visit our website.

€5,950,000.00

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45

Residential Mortgage Rates – Gibraltar New Business and Equity Release only Rates correct as at 03/11/2014 a

THESE RATES ARE FOR NEW BUSINESS ONLY. EXISTING CUSTOMERS LOOKING TO SWITCH PRODUCTS, OR ON PRODUCT MATURITY, MAY BE OFFERED DIFFERENT RATES AND FEES TO THOSE SHOWN HERE. PLEASE CONTACT THE BANK FOR FURTHER INFORMATION.

Product Name

Initial c Rate

4.18%

End Date

Follow c on Rate (variable)

Overall cost for comparison

Product Fee

28/2/2017

4.00%

4.3% APR

0.10% of loan amount (min £999)

£30,000

2% year 1, 1% year 2

5.3% APR

0.10% of loan amount (min £999)

£30,000

5% year 1, 4% year 2, 3% year 3, 2% year 4, 1% year 5

£50,000

0.50% until 28/2/2018

n/a

e

Minimum loan

Early Repayment Charge

d

Residential new borrowing range b

Maximum 60% Loan to value 2 Year Fixed Rate 5 Year Fixed Rate

5.18%

28/2/2020

4.00%

f

3 Year Base Rate Tracker (Base + 3.19%) b Maximum 75% Loan to value

3.69%

28/2/2018

4.00%

4.1% APR

0.10% of loan amount (min £999)

Foundations - Base + 4.59 (variable) b Maximum 80% Loan to value

5.09%

n/a

n/a

5.3% APR

1% of borrowing limit

£100,000

2 Year Fixed Rate

4.88%

28/2/2017

4.00%

5.0% APR

0.10% of loan amount (min £999)

£30,000

2% year 1, 1% year 2

6.0% APR

0.10% of loan amount (min £999)

£30,000

5% year 1, 4% year 2, 3% year 3, 2% year 4, 1% year 5

f

5 Year Fixed Rate

5.79%

3 Year Base Rate Tracker (Base + 3.54%)

28/2/2020

f

4.04% Initial c

Product Name

Rate

28/2/2018

End Date

4.00%

Follow c 4.00% on Rate (variable)

Overall 4.2% APR cost for comparison

0.10% of loan amount (min £999)

Product Fee

e

£50,000 Minimum loan

0.50% until 28/2/2018

Early Repayment Charge

d

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Residential equity release range (existing customers only)

TheStandard Royal Bank of Scotland International Limited trading as NatWest (NatWest). Registered Office: PO Box 64, Royal Bank House, 71 Bath Street, St. Helier, Jersey, JE4 8PJ. Regulated by the Jersey Financial Services Commission. Business address: PO Box 11, 16 Library Place, St Helier, Jersey, JE4 8NH. Variable (max. £25,000) NatWest is the registered business name of The Royal Bank of Scotland International Limited (RBS International) under the Business Names Registration Act. Gibraltar business address: National Westminster House, PO Box 707, 57 Line Wall Road and 1 Corrall Road, Gibraltar. Regulated and authorised by the 4.00% n/a n/a Over 18’s4.1%APR £295 £10,000 n/aNEEDS IF YOU WANT TO MOVE OR Financial Services Commission, Gibraltar to undertake Banking and Investment Business from 57 and 55 Line Wall Road, Gibraltar. only. Security required. YOU SHOULD CHECK THAT EQUITY RELEASE AND BULLET REPAYMENT MORTGAGES WILL MEET YOUR SELLMaximum YOUR HOME OR60% YOU WANT YOUR TO b INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE. APR stands for Annual Percentage Rate and is an interest rate which takes account of the full amount of interest on any money borrowed plus the timing of repayments and any other Loan toFAMILY Value charges that you have to pay. It may not take into account any reduction in interest rate following the maturity of the initial product. The frequency of the interest payments, for example monthly or quarterly, affects the calculation.

2 Year Fixed Rate

4.18%

28/2/2017

4.00%

4.3% APR

£495

£25,000

5 Year Fixed Rate

5.18%

28/2/2020

4.00%

5.3% APR

£495

£25,000

2% year 1, 1% year 2 5% year 1, 4% year 2, 3% year 3, 2% year 4, 1% year 5

3.69%

28/2/2018

4.00%

4.1% APR

£495

£25,000

0.50% until 28/2/2018

5.09%

n/a

n/a

5.3APR%

1% of borrowing limit

£10,000

n/a

2 Year Fixed Rate

4.88%

28/2/2017

4.00%

5.0% APR

£495

£25,000

2% year 1, 1% year 2

5 Year Fixed Rate

5.79%

28/2/2020

4.00%

5.9% APR

£495

£25,000

5% year 1, 4% year 2, 3% year 3, 2% year 4, 1% year 5

4.04%

28/2/2018

4.00%

4.2% APR

£495

£25,000

0.50% until 28/2/2018

f

3 Year Base Rate Tracker (Base + 3.19%) b Maximum 75% Loan to Value f

Foundations - Base + 4.59% (variable) Maximum 80% Loan to Value

3 Year Base Rate Tracker (Base + 3.54%)

b

f

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The Royal Bank of Scotland International Limited trading as NatWest (NatWest). Registered Office: PO Box 64, Royal Bank House, 71 Bath Street, St. Helier, Jersey, JE4 8PJ. Regulated by the Jersey Financial Services Commission. Business address: PO Box 11, 16 Library Place, St Helier, Jersey, JE4 8NH. NatWest is the registered business name of The Royal Bank of Scotland International Limited (RBS International) under the Business Names Registration Act. Gibraltar business address: National Westminster House, PO Box 707, 57 Line Wall Road and 1 Corrall Road, Gibraltar. Regulated and authorised by the Financial Services Commission, Gibraltar to undertake Banking and Investment Business from 57 and 55 Line Wall Road, Gibraltar. Over 18’s only. Security required. YOU SHOULD CHECK THAT EQUITY RELEASE AND BULLET REPAYMENT MORTGAGES WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE. APR stands for Annual Percentage Rate and is an interest rate which takes account of the full amount of interest on any money borrowed plus the timing of repayments and any other charges that you have to pay. It may not take into account any reduction in interest rate following the maturity of the initial product. The frequency of the interest payments, for example monthly or quarterly, affects the calculation.

46

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47

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