BMI Magazine Issue 34

experience

knowledge

REAL ESTATE GIBRALTAR & SPAIN

PROPERTY LISTINGS | NEW DEVELOPMENTS | INFO ARTICLES | MORTGAGE RATES

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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

“

Now, one thing I tell everyone is learn about real estate.

Repeat after me: real estate provides the highest returns, the greatest values and the least risk.

Armstrong Williams

”

I haven’t got a clue who the hell Armstrong is, but I like his style!

Although the quote does come across as a little arrogant, aggressive and somewhat misleading …(wow, this guy’s an estate agent!), the fact is that Mr Williams is actually right, on the basis, of course, that you look at long term forecasts and with the exception of Spain or Ireland (sorry that was a low blow). But seriously, the guy is spot on and history proves this.

Once again, late as usual – the magazine that is!

I have to say putting pen to paper is not something that I look forward to and these quarterly updates only serve to remind me just how time flies…….yes, when one is busy, and busy we have been.

After having ended 2013 on somewhat of a high with what turned out to be a good year with particular emphasis on high value sales, we were somewhat apprehensive about 2014. I guess this happens to the best of us and I’m sure I’ll be forgiven for thinking how one can top what was already a great year end.

Although we are only in month 2 of 2014 as I write this, it is fair to say that 2014 has started much as 13’ ended and yes it’s the high value market that is once again showing off……or rather showing confidence.

I recently had dinner with some bankers on a fact finding mission to Gib; as an estate agent it’s always nice to go out with a banker….. any inferiority one feels being an agent, soon diminishes the moment you ask whether the crisis is over yet…?:) Seriously though, it was interesting to hear his perspective on the Gib market and learn, that by comparison to most other areas that he had responsibility for, Gibraltar really was in a league of its own when it came to the market conditions and the prospect for further growth – interestingly it was his surprise that existing mortgage books are in such great shape with no repossessions recorded for some time (years) – something we have commented on before and which I feel is testament to the confidence across the board in the property sector.

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So enough with the optimism, to the facts; as promised last year, we have updated our stats/info page on our website with news on key factors affecting the market and our views on forecasting the market throughout 2014 and beyond. We are clearly delighted with the fact that our previous forecasts have indeed met with our expectations and by way of snap shot we have included the graph below which outlines the average house price with and without exceptionally “high value” properties.

We indicated last year that we were seeing signals similar to those experienced in 1999 – 2000 when Gibraltar first began it’s boom period and which was 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. It would be fair to say that this was very much the case in 2012 /13 and as mentioned we are hugely encouraged by the fact that there is little speculation in the market unlike 2006/7, thereby resulting in a strong owner occupier lead property sector.

Key factors of note: • Our lettings portfolio today is down further to an average of 7 units from an all-time high of 40 units 4 years ago.

• Our sales portfolio is at an average of 130 units for sale from an all-time high of 240 units 4 years ago.

• Our sales volume in 2011 / 2012 saw substantial increases from previous years of up to 20% and 35% respectively. 2012/13 has seen a 10% increase.

• 2013 had kicked off as the best year we have had since 2007 with 2014 already shaping up to with similar forecasts.

• Volume of sales in the top end of the market increased notably during 2012 with 2013 seeing further growth in this sector of the market • With no high volume forecasted “New Developments” in the pipeline, the market is likely to harden further.

The data in our view, although positive, is also somewhat alarming given that the average house price (when including high value props) is upwards of £600,000! I’ve been involved in property for over 15 years now and never have we seen the sort of spike in the market that 2013 has delivered. The graph shows a similar trend between 2006/7, with the exception that the market then was driven mainly by speculatively driven sales which subsequently led to the dip in 2008 due to oversupply and the impact of the global crisis which clearly affected confidence. What is key in our view of today’s market is that the price hike is not driven by speculation but by real demand.

Outlook & Market Info: The current climate continues to be positive and likely to improve further. For three years (since 2011) we have witnessed the market harden up and prices slowly improve, 2013 underpinned this further with a marked increase in “high value” sales. 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 three years increase by up to 40% in some areas, but averaging out at approx. 20%.

Key related economic factors: • There continue to be NO bank repossessions • Unemployment remains relatively low • Finance centre industry is growing from within and continues to seek outside investment So, that ends my banter for this quarter. From our perspective it’s a positive outlook and there is a great deal to be bullish about.

I do hope that you have found the above info of interest and I look forward to updating you in the next few months.

Yours Sincerely Louis C. Montegriffo Managing Director.

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5

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

08 12 20 28

Spanish Sales Selected Properties

32

Info Articles Cat 2 - The logical choice

30

Mortgage Rates Rates

42

Useful Links Directory

43

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

Tel: (+350) 200 51010 Fax: (+350) 200 42621 Email: info@bmigroup.gi www.bmigroup.gi

experience

knowledge

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

TOWN

ANCHORAGE

8

ANCH121

TOW115

ATLANTIC SUITES

ATS047

1 bedroom | 1 bathroom

Studio | 1 bathroom

Opportunity not to be missed!!! One bedroom one bathroom apartment on a 1st floor fully furnished and equipped. Located in the town centre just off Main Street with close proximity to many amenities.

Ideal buy to let!!!!

Viewing is recommended.

Spectacular studio apartment with balcony on a high floor within Atlantic Suites, boasting spectacular views of Africa, the Straights and the Bay of Gibraltar. Open plan modern fully fitted kitchen within the living room/bedroom, fitted bathroom and plenty of storage. Includes a private parking space within the secure underground garage. The amenities include a communal pool and a gym/spa. Viewing is highly recommended.

£165,000.00

£225,000.00

MARINA BAY

MAR047

ATLANTIC SUITES

ATS017

1 bedroom | 1 bathroom

1 bedroom | 1 bathroom

1 bedroom | 1 bathroom

Set in an exclusive gated development within Gibraltar’s south district this spacious one bedroom, one bathroom apartment has 62m2 internally and 39m2 of terrace.

Amenities include a state of the art fitness centre and fabulous gardens and play area. This property comes with a storeroom which has already been included in the price, with an option to buy a further one at an extra cost. Private parking space is also included within the underground garage. Apartment sold fully furnished.

Charming one bedroom, one bathroom located on a 1st floor apartment in the sought after area of Marina Bay. Provides open plan designer kitchen, includes Bosch electrical appliances/living/dining room. Offers stunning views over the Marina and affords a private balcony.

Amenities include communal swimming pool and private parking not allocated.

Exclusive and spectacular one bedroom, one bathroom apartment located within this exclusive development, this property is finished to a very high standard throughout.

This apartment is west facing and provides views of the bay and Africa it is of approximately 77sqm inclusive of terrace. The property will be 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 includes swimming pool, health spa and private parking space.

£260,000.00

£280,000.00

£335,000.00

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S tudio & 1 Beds | GIBRA LTAR S ALES

ATLANTIC SUITES

ATS014

ATLANTIC SUITES

ATS089

OCEAN VILLAGE

OCE042

1 bedroom | 2 bathroom

1 bedroom | 1 bathroom

1 bedroom | 1 bathroom

Exclusive and spectacular one bedroom, one bathroom and separate toilet. This apartment is located within an exclusive development. The property is furnished to a high standard throughout. This apartment is facing north/ east and is of approximately 76sqm. The property is 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 includes swimming pool, health spa and private parking space.

Stunning north facing one bedroom, one bathroom apartment located on a 7th floor within this exclusive development. This property has been furnished to a very high standard throughout, providing 61sqm internally and 7sqm of terrace. Amenities include swimming pool and health spa.

Must be viewed.

Golden Sunset fourth floor, one bedroom, one bathroom apartment within this new development combining a stunning central location, sun, views, and the unequalled facilities of Ocean Village, the best of both worlds awaits you at Grand Ocean Plaza. With the emphasis firmly place on lifestyle choice, no aspect of the design has been overlooked. All apartment come designed for Home Entertainment systems, have Full climate control and Atmospheric lighting...All Grand Ocean Plaza apartments will feature bespoke Poggenpohl kitchens with state-of-theart Fisher & Paykel appliances, master bedroom flow out onto expansive private terraces.

£350,000.00

£340,000.00

£350,000.00

HIGHCLIFFE HOUSE

SOU286

ATLANTIC SUITES

ATS085

KINGS WHARF

KW27036

1 bedroom | 1 bathroom

1 bedroom | 1 bathroom

1 bedroom | 1 bathroom

Unique duplex penthouse situated within this exclusive development in the south district. This property provides a spacious living room/dining room with direct access to a terrace overlooking the bay and Africa. This property is bright and airy and includes a high tech quality kitchen with appliance included, utility room and down stairs cloak room, master bedroom is located within a mezzanine floor and includes an en-suite bathroom with Jacuzzi bath and two private terraces. Also includes private parking space within the secure underground garage. Reverse Air conditioning and heating system throughout. Amenities include communal swimming pool, gymnasium & terrace.

Stunning north facing one bedroom, one bathroom apartment located on a mid 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.

Luxury apartment located within this new development in this prime location of Queensway Marina. This apartment of approximately 65sqm internally will provide a terrace of approximately 55sqm facing North/West. The apartment will consist of one bedroom, one bathroom, open plan kitchen and is situated on a mid floor. The apartment has been finished to a very high standard throughout and high tech quality finishing`s, also includes a parking space, air conditioning and heating. The development will include communal swimming pool and gymnasium. Suitable for Cat2 status.

£359,000.00

£360,000.00

£380,000.00

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9

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

CLIFTONS SOU484 Features:

• 4 Bedrooms • 3 Bathrooms • Store Room • Terrace • Patio • Swimming Pool • Com Swimming Pool • Com Gymnasium • Highly recommended • Close to amenities Stunning Villa located in the upper south district and set within the exclusive Cliftons development

by Taylor Woodrow. The property affords over 260sqm internally with part of the build registered as listed and comprising the kitchen and reception room with double height ceiling and a mezzanine study / fourth bedroom with en-suite. A spectacular dining area combines and joins both living and sleeping areas with full glass sliding door opening to a west facing split level terrace of approx.

70sqm and including plunge pool. All remaining three bedrooms are situated within the new build and west section of the property which includes cloak room and storage...

£1,850,000

SOUTH DISTRICT SOU362 Features:

• 4 Bedrooms • 2 Bathrooms • Balcony • Terrace • Close to amenities

£950,500 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!

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

2 bed

UPPER TOWN

MONTAGU CRESCENT

12

MON091

UPP044

CARLTREE HOUSE

DEV012

2 bedroom | 1 bathroom

2 bedroom | 1 bathroom

Offering a 2 bedroom 1 bathroom apartment in Town.

Ideal for first time buyers, this apartment offers fabulous views across Gibraltar. The apartment welcomes a very well maintained open plan kitchen. This 2 bedroom is spacious and ideal for those who want to be located near Gibraltar’s Town Centre. Viewings are recommended.

Three bedroom duplex apartment converted into a two bedroom plus studio but easily converted back. This property is light and spacious and provides a large family kitchen and sitting room. The two bedrooms have plenty of storage throughout. The bathroom has recently been refurbished. Provides wooden laminate flooring througout.

Air conditioning also features within this property. There is parking facility within the vicinity and a communal patio with barbeque area. viewing is highly recommended. Great starter home!

£135,000.00

£172,000.00

OCEAN HEIGHTS

OCE164

SOUTH DISTRICT

SOU461

2 bedroom | 1 bathroom

2 bedroom | 2 bathroom

2 bedroom | 1 bathroom

Bright and airy two bedroom, one bathroom apartment on a 3rd floor located within this popular development.

Features laminate flooring throughout and plenty of storage space. Includes a private parking space within the underground garage. Must be viewed! Sold partly furnished and ready to move in.

A bright, airy and spacious two bedroom 2 bathroom top floor apartment located near the town Centre. Wellpresented with ceramic flooring throughout, kitchen is fully furnished and equipped with a Silestone Worktop. The main bedroom has en-suite bathroom, living room and bedrooms enjoy an east facing view towards Rock and Mediterranean Sea. Sold fully furnished. Amenities include a communal swimming pool.

Perfect opportunity for any Investor. Ideal buy to let. Don’t miss out on the viewing.

Well maintained 2 bedroom apartment of approximately 95m2 in the South District. The property is sold furnished comprising of a fully fitted kitchen with an adjacent utility patio, bathroom, guest cloakroom and spacious living room.

Option to purchase a lock-up garage at an additional cost.

Viewing is recommended.

£185,000.00

£210,000.00

£265,000.00

| www.bmi g roup.gi

2 Bedr ooms | GIBRA LTAR S ALES

BAYVIEW TERRACES

BAY002

EUROPLAZA

EPL092

KING WHARF

KW27116

2 bedroom | 1 bathroom

2 bedroom | 1 bathroom

2 bedroom | 2 bathroom

This stunning 2 bedroom apartment was initially a three bedroom property and if required can be easily converted back. The property has been designed to a very high standard with a very modern and elegant style. The third bedroom has been added to the living room for extra space enjoying fantastic sea facing views. The designer kitchen combines practicality with high class and comes fully equipped with all the necessary appliances. This property also includes its own parking space. Viewing is certainly highly recommended.

Smart two bedroom, one-bathroom apartment located on a middle floor. Enjoys a rock view and is finished to a very high standard with hardwood flooring throughout and high spec kitchen. Bathroom is decorated with marble tiles. Air Conditioning also features within this property as well as a private parking space and a store room (10m2 approx) adjacent to the parking.

Suitable for CAT2 status.

Viewing is recommended.

Luxury two bedroom two bathroom apartment located on a low floor with a west / north aspect. Provides an area of approximately 87m2 internally and terrace/balcony of approximately 20sqm. 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.

Viewing is a must.

Currently let unfurnished. Ideal buy to let opportunity!!!!

24 hrs notice required for viewings.

£269,000.00

£340,000.00

£375,000.00

KING WHARF

KW27106

KING WHARF

KW27107

ATLANTIC SUITES

ATS083

2 bedroom | 2 bathroom

2 bedroom | 2 bathroom

2 bedroom | 2 bathroom

This luxury apartment is located within a new development which has recently completed in the prime location of Queensway Marina. The apartment is approximately 88sqm internally and provides a terrace of approximately 7sqm. It is partly furnished with a fully fitted kitchen and bathrooms this also includes heated floorings in both bathrooms and heated towel rails. Property is South/West facing providing sea views and is located on a low floor.

The apartment consists of two bedrooms, two bathrooms, kitchen and living room, includes a parking space.

Luxury apartment located within this new development recently completed in this prime location of Queensway Marina. This apartment of approximately 88sqm internally provides a terrace of approx 7sqm and is South / West facing providing sea views and is located on a low floor.

The apartment consists of two bedrooms, two bathrooms, kitchen and living room, includes a parking space.

This beautiful apartment is situated on a high floor in one of the most prestigious addresses in Gibraltar. Sold fully furnished this apartment offers fantastic views and comprises of two double bedrooms, one of which is ensuite and a further family bathroom. There is a spacious lounge/dining room and a fully integrated modern kitchen.

Viewing highly recommended.

£411,000.00

£421,000.00

£520,000.00

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

ROCK GARDENS

ROCKG005

TRADEWINDS

TRA002

THE SAILS

QUE058

2 bedroom | 2 bathroom

2 bedroom | 2 bathroom

2 bedroom | 1 bathroom

Luxurious apartment decorated to a very high standard and situated in an elevated position within this new development Rock Gardens providing spectacular views across the Bay of Gibraltar. Rock Gardens comprises of beautiful light and spacious apartments and penthouses complete with cutting edge fittings and features that will arguably elevate this address to one of the most sought after in Gibraltar. This spacious apartment is of approximately 115sqm internally and 20sqm of terrace and includes a private parking space.

Amenities include communal swimming pool. Viewing is highly recommended.

Luxurious development conveniently located at Marina Bay between the town centre and the Spanish/Gibraltar border, Tradewinds occupies the last section of waterfront land at Marina Bay. This apartment is located within the first tower and consists of a spacious two bedroom facing directly onto the Marina. Features include floor to ceiling windows and sliding doors to the terraces, latest contemporary fixtures & fittings, Poggenpohl fully fitted kitchens, wood floors and air-conditioning. An underground parking space is also inclusive. This property is currently let until end of 2014.

Ideal as an Investment!!!! CAT 2 status.

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 fitted. includes a private parking space. Amenities include communal swimming pool. Buy to let. Must be viewed.

£599,000.00

£620,000.00

£640,000.00

Do you have a property to THE SAILS

14

QUE064

OCEAN VILLAGE

OCE123

2 bedroom | 2 bathroom

2 bedroom | 2 bathroom

Luxury two bedrooms, two bathroom apartment located within this exclusive development in the Queensway marina.

The property has been fitted to a very high standard and has been tastefully decorated. Master bedroom provides walk-in wardrobe and en-suite bathroom. Property boasts of a partially large covered terrace enjoying stunning marina views. .

Sold fully furnished and includes two allocated parking spaces. Amenities include communal swimming pool.

Must be viewed.

Great opportunity and great investment to purchase this spacious 2 bedroom 2 bathroom duplex apartment located on a 16th/17th floor in the stunning New Development of Ocean Village built and fitted to a very high standard. On the first level open plan designer kitchen/lounge leads to a spacious terrace offering 180 degree views, laundry room and guest cloakroom. Above on the 2nd level 2 double size bedrooms leading to terrace and en-suite bathrooms with under floor heating. The property includes allocated underground parking space, 24 hour security and access to 5 swimming pools.

Viewing is recommended.

£785,000.00

£895,000.00

| www.bmi g roup.gi

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We have waiting clients ready to buy 1/ 2/ 3 bedroom properties.

CONTACT US NOW FOR FURTHER INFORMATION

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15

Latest Rentals

16

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17

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

SOUTH DISTRICT SOU492 Features:

• 5 Bedrooms • 3 Bathrooms • Patio • Close to amenities

£750,000 Semi-detached house on two levels of 250m2 located within the exclusive south area of Gibraltar, consists of 4 spacious bedrooms, 3.5 bathrooms. Spacious modern family kitchen leading on to a private patio of approx. 20m2. Family room with adjacent terrace fitted with glass curtains currently used as a dining area, providing great views of the bay and Africa. Also includes private lock-up garage (approx. 30m2) with plenty of storage area and private parking space. Spaciously converted attic also features with this property, has been converted to a double size bedroom with en-suite and offers plenty storage space.

SOUTH DISTRICT SOU489

Features:

• 4 Bedrooms • 2 Bathrooms • Terrace • Patio • Com Swimming Pool • Close to amenities

£650,000 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.

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19

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

3 bed

BAYVIEW TERRACES

FILOMENA HOUSE

20

FIL015

BAY001

CUMBERLAND TERRACES CUM001

3 bedroom | 1 bathroom

3 bedroom | 1 bathroom

A lovely bright and spacious three bedroom with one bathroom apartment situated in Bayview Terraces. This property has an ample spaced lounge which is of modern elegant style. The kitchen is practical and well sized with good proportions and ideal for family home. There is ceramic flooring throughout and double glazed windows and all rooms are spacious. The Sea view enjoys West/ North facing aspect. Offers large storage space and includes a large and private parking in the underground garage.

Viewing is essential and this property is an opportunity not to be missed!

This charming 3 bedroom and 1 bathroom apartment has been furnished to a very high standard. This property features a kitchen which is top of the range containing all modern appliances. The living room is very spacious, elegant and beautifully decorated. The bedrooms are furnished in a modern and attractive style. Throughout the property there is laminated flooring. The apartment has a wonderful modern and welcoming style with views across to Africa and partial rock facing views. Viewing is strongly recommended!

£210,000.00

£225,000.00

WATERGARDENS

WAT073

CORNWALLS LANE

TOW100

3 bedroom | 2 bathroom

3 bedroom | 2 bathroom

3 bedroom | 2 bathroom

Three bedroom, two bathroom (one en-suite) apartment located within a low floor in this new affordable housing development. This apartment is rock facing and provides quality finishings throughout such as laminated flooring, fitted bedrooms and kitchen including oven, hob and hood.

Also provides a parking space within the underground garage.

Sold fully furnished.

Viewing is recommended.

Three bedroom two bathroom apartment located within this ever popular development near the marina area and with close proximity to the town centre. This apartment is located on podium level and provides two terraces one being of approximately 30m2 and 2nd one of approximately 12m2 both leading from living room offering Marina Views. Sold furnished. Great investment potential.

Viewing is recommended.

Well presented 3 bedroom, 2.5 bathroom apartment within the town centre, on a 3rd floor and with lift access. Kitchen is fully fitted and equipped, includes two ovens and two ceramic hobs. The property has been refurbished throughout and fitted with laminate flooring and double glazing. Master bedroom comprises of a utility/ laundry room which could be used as walk-in wardrobe.

Best of all! The property boasts of a private roof terrace of approximately 109m2 with shed, offering views of the town and bay.

Viewing is a must.

£310,000.00

£320,000.00

£330,000.00

| www.bmi g roup.gi

3 Bedr ooms | GIBRA LTAR S ALES

GENISTA HOUSE

SOU467

SOUTH DISTRICT

SOU451

QUEENSWAY QUAY

QUE085

3 bedroom | 2 bathroom

3 bedroom | 1 bathroom

3 bedroom | 2 bathroom

Stunning three bedroom apartment recently refurbished throughout of approximately 156m2 internally with private covered terrace of approx 30m2 providing views of the Bay and Africa as well as the rock. The property consists of spacious living/dining with large open plan kitchen inclusive of appliances. Bathrooms are fitted with high quality contemporary suites with chrome fittings and walkin shower on the ensuite bathroom. The property also features solid oak flooring throughout except bathrooms and terrace which features non slip natural stone effect tiles. Floor to ceiling windows of a high spec double-glazing are fitted throughout with solar reflective energy efficient glazing to south and west elevations and comfort heating and cooling to all bedrooms and reception room.

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.

£545,000.00

£565,000.00

Superb Duplex Penthouse by Taylor Woodrow in a spectacular position in Queensway Quay marina with five balconies, overlooking the marina and Spain to the North and Morocco and Gibraltar to the south. A perfect family home set in a quiet private and gated road with private parking, communal pool, gym, sauna, Jacuzzi, play park etc.

The property is accessed via a flight of stairs to a hallway with plenty of storage leading to a spacious living room / dining room and onto a large balcony overlooking the marina. The kitchen is fully fitted with Bosch dishwasher, fridge freezer, hob, oven and washing machine and has a balcony with views to Morocco. Upstairs on the second floor are three double bedrooms with a master en-suite bathroom in the main bedroom and a separate family bathroom.

KINGS WHARF

KW27109

TOWN

£625,000.00

TOW128

KINGS WHARF

KW27043

3 bedroom | 2 bathroom

3 bedroom | 2 bathroom

3 bedroom | 2 bathroom

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.

Georgian style apartment of approximately 200m2 located in the town. Provides colonial features such as high ceilings, large rooms, Victorian working fire place, wooden parquet flooring throughout except bedrooms which have been fitted in cork , bathroom and kitchen in ceramic tiles.

Very spacious living dining room, great for entertaining, overlooking the Garrison Library and enjoying stunning views of all the Bay. Large family kitchen fitted and includes electrical appliances. Study with access to Attic area which covers the whole floor print of the property offering plenty of storage. Very bright and airy throughout. Private Sun Terrace of approximatley 20sqm.

Luxury apartment located within this new development in the prime location of Queensway Marina. This apartment is of approximately 116sqm internally provides a terrace of approximately 18qm and is facing the bay as well as views towards Africa. The apartment consists of three bedroom, two bathroom open plan kitchen. The apartment is finished to a very high standard throughout with high tech quality finishings, will also include a private parking space, air conditioning and heating. The development will include communal swimming pool and gymnasium.

£630,000.00

£639,000.00

£660,000.00

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

CATALAN BAY

OCEAN VILLAGE

OCE144

ADMIRALS PLACE

SOU478

3 bedroom | 2 bathroom

3 bedroom | 2 bathroom

Luxury semi-detached house on four levels of approx.

210sqm located within the Catalan Bay Village providing stunning views of the bay. This property consists of spacious masterbedroom with ensuite bathroom, two spare bedrooms, guest bathroom, study room which could easily be used as a fourth bedroom, spacious family kitchen inclusive of fitted units and appliances with adjoining dining area and access to a terrace. This property is decorated to a very high standard with hardwood flooring throughout.

Also includes parking facility.

Sold unfurnished.

Stunning two large apartments of 2 bedrooms each combined into one large apartment situated on a 15th floor. Fully interior designed with excellent quality fittings and very high level of furnishing and interior decoration inside the whole flat. Luxury fitted kitchen with top of the range appliances, designer bathroom with under floor heating and fully-airconditioned throughout. All rooms in the property lead onto a spacious 40m2 approximately balcony offering 360 degree views.

£695,000.00

Beautifully appointed three bedroom, two bathroom Colonial style family home located within this secure gated development with beautiful landscape gardens and a communal swimming pool. This property provides on the ground level a grand entrance hallway, kitchen fully fitted and equipped with access onto a private patio 25m2 ideal for barbecues! The living room is spacious and has doors that lead to the front garden, separate dining room with also access to the rear patio and guest cloakroom. On the first level is the Master bedroom with en-suite bathroom and private terrace, 2nd bathroom, two other bedrooms one of which is currently being used as study/tv room. Features include fitted wardrobe in bedrooms, hard wood flooring and air-conditioning. Additionally the property enjoys a Garden/Porch area of 45m2. Includes 2 parking bays.

£795,000.00

£875,000.00

OCEAN VILLAGE

22

EAS055

3 bedroom | 2 bathroom

OCE147

SOUTH DISTRICT

SOU364

ADMIRALS PLACE

SOU405

3 bedroom | 2 bathroom

3 bedroom | 2 bathroom

3 bedroom | 3 bathroom

Customized high end specs and well-presented three bedroom two bathroom Penthouse apartment located within the first phase of the popular Ocean Village Development. The property offers an open plan designer kitchen includes top of the range appliances, one of the bedrooms has been converted to an office, designer bathrooms with under floor heating, laundry room plus storing cupboard. Offers stunning and impressive view of the Marina and the Bay from its private spacious terrace.

Includes a private parking space. Amenities includes: 24 hour security, 5 swimming pools, 6 Spas and garden area.

Viewing is highly recommended.

Colonial style semi detached house located within the upper south district. This property provides three very good size bedrooms as well as two en-suite bathrooms of a very good size. There are many original features within the property that provide a unique colonial feel, such as working fire places, high ceilings, spacious landing and stair case, original wooden flooring as well as original marble flooring to the entrance of the property, large windows, covings and much more. The property includes a good size kitchen which is adjacent to a converted den now being used as a dining area. Outside there is a good size patio/garden with pergola area, great for entertaining as well as a utility area which also provides a side entrance to the property.

A stunning three story colonial town house located at Admirals Place, one of Gibraltar’s finest gated residential estates. This property offers three double bedrooms with en-suite, a fourth bedroom / study room, spacious reception, dining room, large kitchen and a family room providing exceptional views across the Bay of Gibraltar. In addition the property offers three terraces and two private parking bays. Residents at Admirals enjoy the benefit of landscaped gardens, a centre orange grove courtyard and a spacious communal pool affording spectacular views of the Strait and Bay of Gibraltar. This property is in exceptional order and must be viewed.

£880,000.00

£895,000.00

£1,695,000.00

| www.bmi g roup.gi

TO M M Y H I L F I G E R 237 MAIN STREET TO M M Y H I L F I G E R K I D S 254 MAIN STREET TO M M Y H I L F I G E R G I B R A LTA R I N T E R N AT I O N A L A I R P O RT

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Gibraltar sets its sights on becoming the Insurance Linked Securities (ILS) jurisdiction of choice within the European Union Single Market Gibraltar has a vibrant and growing insurance sector. Since 2000 the number of insurance companies has grown from just 13 to the current 56 writing new business. In 2012 gross premium income for all Gibraltar’s insurance companies exceeded £3.8 billion and Gibraltar’s motor insurers had a 16% share of the UK motor market. Given its status within the European Union, Gibraltar-licensed insurance companies benefit from access to the single European market and therefore a potential client base of over 500m people.

Insurance-linked securities (ILS) are financial instruments whose values are driven by insurance loss events typically hurricanes, windstorms and earthquakes and are the result of the process of convergence between the insurance industry and the capital markets.

Catastrophe bonds (or cat bonds) are a segment of the ILS market. Cat bonds are used by insurers and reinsurers to transfer major risks from their books to capital market investors thus reducing their overall reinsurance costs and releasing capital to underwrite new insurance business.

This asset class has developed rapidly in recent years with investors attracted to ILS as their returns are largely uncorrelated with that of the general financial markets. The total volume of catastrophe bonds and ILS issued during 2013 reached $7.64 billion and by the end of the year there was an all time high of $20.5 billion of outstanding catastrophe bonds and ILS.

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Gibraltar has strong ambitions to become the Insurance Linked Securities (ILS) jurisdiction of choice within the European Union.

Gibraltar’s Insurance Companies (Special Purpose Vehicles) Regulations 2009 will be the primary legislation for Gibraltar to enter the ILS market and its 2001 protected cell companies legislation will be an attractive part of Gibraltar’s ILS offering.

Gibraltar has a track record with the capital markets. In the late 1990s Gibraltar became a repackaging domicile for securitisation issues pioneered by Deutsche Bank. The repackaged transactions involved the issue of securities by a Gibraltar Special Purpose Vehicle (SPV) backed by collateral of the investor’s choice so as to meet the investor’s exact needs in terms of structure, interest rate and currency exposure. UBS quickly followed with a 15 billion euro multi-issue secured note programme via a Gibraltar SPV. Gibraltar became attractive for such SPVs due to its membership of both the European Union and OECD and its English common law jurisdiction. Gibraltar is in the same time zone as the majority of western and central Europe and is easily accessible to European sponsors. A new airport terminal opened in 2012 and Malaga airport a short drive along the coast serves numerous European cities.

Finally, the introduction of Solvency II from the beginning of 2016 is likely to create greater opportunities for onshore ILS offerings within the European Union. Gibraltar aims to provide an alternative domicile for European sponsors that are concerned about establishing offshore SPVs or those who would prefer to structure their ILS offerings within the European Union. After a number of delays the recently

announced implementation of Solvency II in 2016 will be an increasingly important factor for European sponsors. It will be imperative that relief provided by SPVs is recognised under Solvency II.

Mike Ashton Senior Finance Centre Executive Finance Centre

Short Term Lets from ÂŁ160/night experience

knowledge

BMI Group is widely known as being the leading real estate agent in Gibraltar.

With over 15 years’ experience trading within the Gibraltar Property Market, we take immense pride in our work and offer an exceptional level of service to all our clients.

BMI's portfolio of properties in Gibraltar includes lettings, sales and commercial properties for sale.

As part of our drive to continue providing a full range of property services, BMI are delighted to offer Short Term Lets (serviced apartments), with a minimum stay of 2 days.

All our properties are located at The Anchorage, Kings Wharf and Ragged Staff Wharf and are stunningly decorated throughout offering fabulous views and fully kitted out.

Contact Christine or Sam for further information on availability and prices.

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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TRIAY STAGNETTO NEISH Barristers & Solicitors Burns House, 19 Town Range, Gibraltar Tel: (+350) 200 79423 / 200 73530 Fax: (+350) 200 71405 Email: tsn@tsnlaw.com www.tsnlaw.com

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

KINGS WHARF

CLIFTONS

KW27129

SOU480

Features:

• 2 Bedrooms • 2 Bathrooms • Store Room • Terrace • Air Conditioning • Com Swimming Pool • Com Garden • Com Gymnasium • Close to amenities

£665,000

Stunning Penthouse apartment located within this new development in this prime location of Queensway Marina.

The apartment boasts of approximately 111m2 internally provides two terraces, one of 7m2 and the other approx.

13m2. The apartment consists of two bedroom, two 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 tandem parking space and store room, air conditioning and heating.

CLIFTONS

SOU312 Features:

• 2 Bedrooms • 2 Bathrooms • Terrace • Gymnasium • Com Swimming Pool • Highly recommended • Close to amenities

£675,000

Features:

• 3 Bedrooms • 2 Bathrooms • Terrace • Air Conditioning • Com Swimming Pool • Com Gymnasium • Close to amenities

Three bedroom, two bathroom (plus study) loft style apartment situated within this exclusive development of The Cliftons.

This apartment provides 121sqm + 10sqm mezzanine floor, including two large terraces one of approx. 33sqm and the second approx.14m2. The property is decorated to a high standard throughout with high ceilings, original hard wood floors and includes private parking. Provides spectacular views of the bay.

Amenities include communal swimming pool and gymnasium. Must be viewed.

£625,000

ANCHORAGE

2 bedroom, 2 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.

ANCH120 Features:

• 3 Bedrooms • 2 Bathrooms • Garden • Terrace • Air Conditioning • Playground • Com Gymnasium • Close to amenities

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 45sqm of garden. 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.

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

4+ bed

EUROPLAZA

GARDINERS ROAD

GAR035

EPL147

SOU453

4 bedroom | 2 bathroom

4 bedroom | 2 bathroom

Four bedroom, two bathrooms located within this exclusive development. This apartment provides 145sqm internally and 15sqm of terraces. Has views of the rock, partial sea views and is located on a high floor. Parking space is also included within the secured underground garage. Viewing is highly recommended.

An exclusive development of five town houses situated in the upper hills of the South District. This private location offers spectacular views from all the properties together with generous terraces and gardens. The location is orientated towards the Bay and Strait of Gibraltar and is surrounded by green areas making for an idyllic living experience. Within the properties residents will enjoy hard wood flooring, modern high spec kitchens with high tech appliances, spacious living areas throughout as well as other features such as working fireplace, air-conditioning and separate utility room.

£549,950.00

£695,000.00

UPPER TOWN

UPP043

GARDINERS ROAD

GAR045

4 bedroom | 2 bathroom

4 bedroom | 4 bathroom

4 bedroom | 3 bathroom

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!

A New Build with some of the original building walls being retained. In walking distance to town offering stunning views over the Bay of Gibraltar. The property is part completed and offers an opportunity for the purchaser to influence the internal layout and finishing’s.

Comprising: 4 Bedrooms, 4 en-suite bathrooms, large open plan kitchen/ dining room and sitting room, spacious hall, office and storeroom. In addition there is a lower level floor, comprising of a large entertainment room.

This fabulous frontline detached villa situated in Gibraltar’s original prestigious address, of Gardiner’s Road, recently having undergone a major refurbishment.Set over four floors, the property is accessed via a large sea facing terrace from a gated entrance with panoramic sea views over the Bay of Gibraltar. The property affords an elegant family kitchen and lounge both with access onto the terrace. The second level provides for a spacious master suite, a second and third bedroom and luxury bathroom with hydrotherapy bath and shower. The master bedroom and the second bedroom have access onto a private balcony via large French windows running the width of the property and enjoying exceptional views... The third level affords a spacious family room taking up the entire floor with marble flooring and an open fire.

On the top floor are two further rooms (which can be used as a laundry room and additional guest room) and a quaint rooftop balcony overlooking the bay, the marina and town!

Further information and plans available upon request.

£965,000.00

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SOUTH DISTRICT

| www.bmi g roup.gi

£625,000.00

£1,975,000.00

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

SOUTH DISTRICT SOU456 Features:

• 6 Bedrooms • 7 Bathrooms • Balcony • Garden • Terrace • Swimming Pool • Close to amenities Whitewater House - A luxury detached Huff Haus style property located in a truly unique location within the Gibraltar Nature Reserve. Comprising of 5/6 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 410sqm, landscaped gardens and private secure parking for up to four cars, this is a truly rare opportunity to acquire such a house.

£ P.O.A

LORD NAPIER VIEWS SOU493

Features:

• 4 Bedrooms • 3 Bathrooms • Garden • Terrace • Com Garden • Close to amenities

£625,000 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.

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Cat 2

– the logical choice

Are you a non Gibraltar resident High Net Worth Individual with net assets in excess of £2 million?

Are you looking to enjoy the Mediterranean climate and lifestyle whilst at the same time mitigating your worldwide tax liability?

Then Gibraltar residency and Category 2 status (“Cat 2”) could be beneficial to you.

Since its introduction in 1992, Gibraltar’s Cat 2 status has become increasingly popular with wealthy individuals seeking to make Gibraltar their home. Your stay in Gibraltar can either be long enough to enable you to sell a high value asset which may allow you to avoid paying tax on any capital gains or for the longer term as you and your family may wish to settle down and retire in the sun without paying excessive levels of tax (the maximum tax payable in Gibraltar by a Cat individual is less than £30,000 pa).

With a large selection of luxury property developments to choose from, the prospect of living in Gibraltar is an attractive alternative.

Cat 2 is an established and tried and tested tax planning tool. It is however only half the job done as its effectiveness will ultimately depend on whether your emigration from your home country is handled correctly. Residency rules vary between jurisdictions but generally it is important to properly break the link with your home country as failure to do this could result in you being resident in both Gibraltar and your home country. This is where PwC and its unrivalled network of tax experts in over 157 countries can really add value as we can effectively ensure that all bases are covered.

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We can help you by coordinating your international tax advice, the Cat 2 application and Gibraltar residence permit, identity card and ongoing tax compliance process. We can also assist by sorting out your local driving license, bank account, schools for the children, and coordinating with or making introductions to other local service providers such as estate agents, banks and lawyers.

We can also make your family’s relocation to Gibraltar that bit smoother and easier by using our local contacts and knowledge of local processes. We can, for example also handle the necessary paperwork for utility connections and be present, on your behalf, at your property when these are connected. This process is tedious and time consuming and you will really appreciate being able to move in and have one less thing to worry about.

We also provide tax effective solutions to a wide range of problems which can be specifically tailored to suit your needs and can assist you with the creation of a wide range of trust and corporate structures suited to your needs.

For further information please contact Patrick Pilcher by telephone on +350 200 66842 Ext 309 or by e-mail at the following address Patrick.S.Pilcher@gi.pwc.com.

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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

Spain

SOTOGRANDE

SOTOGRANDE

32

143-01026P

143-01016P

SOTOGRANDE

143-01019P

4 bedroom | 2 bathroom

3 bedroom | 2 bathroom

A well cared for terraced villa in an established development in the heart of Sotogrande. The accommodation comprises a large living room with marble tiled floors and glazed doors opening onto the terrace and garden. Fitted kitchen with utility terrace. Cloakroom. Integral garage. Stairs to landing, master bedroom with built in wardrobes, en suite terrace overlooking the garden and en suite bathroom.

Three further guest bedrooms. Second bathroom.

Community facilities include community swimming pool and tennis courts.

A beautifully presented three bedroom river apartment with lovely south facing sea and river views. A short walk from the Royal Sotogrande Golf Club, Octógono Beach Club and Tennis Club. The apartment has a large living/ dining room with open fireplace and direct access onto the terrace. Main bedroom with dressing area and en suite bathroom. Two further bedrooms, one with a balcony overlooking the new Marina and an adjoining bathroom.

Fully fitted and equipped kitchen. Air conditioning/heating.

Electric blinds. Marble floors. Underground parking space.

Community swimming pool.

€285,000.00

€325,000.00

SOTOGRANDE

143-01029P

SOTOGRANDE

143-01025P

3 bedroom | 2 bathroom

2 bedroom | 2 bathroom

4 bedroom | 3 bathroom

A pretty and well maintained single storey villa in Sotogrande Costa. The living room/dining room with fireplace and overlooking the garden, leads directly into a bright and sunny conservatory. The main bedroom with fitted cupboards has an en suite bathroom and direct access to the terrace. There are two further bedrooms and an adjoining bathroom. The kitchen is fully fitted and door leading to the garden and storage sheds. Mature garden.

Swimming pool. Solar panels for hot water. Garage and off street parking.

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 ensuite bathroom with separate shower. Guest bedroom with an adjoining bathroom. Air conditioning/heating. Garage parking.

Store room. Highly recommended.

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.

€460,000.00

€590,000.00

€695,000.00

| www.bmi g roup.gi

S panish Resales | S PA NIS H S ALES

SOTOGRANDE

143-01017P

SOTOGRANDE

143-01028P

SOTOGRANDE

143-01018P

3 bedroom | 3 bathroom

5 bedroom | 5 bathroom

4 bedroom | 4 bathroom

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. The property has radiator central heating and air conditioning, a car port provides covered off road parking.

An attractive, spacious and totally re-developed villa in Sotogrande Alto on an elevated plot. There are exceptional views from within the property on both levels and it enjoys all day sun. Within the property, the ground floor consists of an entrance hall with double doors to a bright and large living room (11,58m2) with a period marble fire place. A spacious kitchen and large dining area with direct access to a covered terrace. A guest cloakroom and two double bedrooms with en suite bathrooms. A staircase with attractive wrought iron railings leads to the upper and lower floors.

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.

€695,000.00

€850,000.00

€1,450,000.00

SOTOGRANDE

143-01023P

SOTOGRANDE

R143-01045

SOTOGRANDE

R143-01026

5 bedroom | 5 bathroom

2 bedroom |2 bathroom

3 bedroom | 2 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.

A well located and well maintained second floor marina apartment with a lovely south east orientation across the square to the Marina and the sea beyond. The apartment has a large living/dining room with open fireplace with glazed patio doors to a large covered terrace overlooking the square. Beside the entrance hall is a door to the fitted kitchen with a full range of base and wall units and full compliment of electrodomestic appliances. Inner hall serving two double bedrooms with built in wardrobes. The master bedroom having a bathroom en suite. A second bathroom is off the inner hall. Air conditioning/heating.

A charming three bedroomed single storey villa in a small urbanization about ten minutes drive from Puerto Sotogrande. The property boasts excellent south views from the terrace towards the Mediterranean Sea below and across to Gibraltar and Morocco. The property has been refurbished with double glazing, radiators, partial wooden flooring, new kitchen and an extension with bedroom and shower room. There is a private pool and two single covered garages. From the terrace area there are panoramic views of the Cala Sardina beach, Gibraltar and Africa.

€1,750,000.00

€225,000.00

€250,000.00

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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

R143-01266

SOTOGRANDE

143-01003P

SOTOGRANDE

143-01000P

2 bedroom | 2 bathroom

3 bedroom | 2 bathroom

3 bedroom | 3 bathroom

New on the market. A charming and bright east and west facing penthouse in the Puerto Deportivo de Sotogrande.

The high ceilinged apartment has a living room/dining room with open fireplace and sliding doors onto a full width east facing terrace. The very spacious master bedroom has an en suite bathroom and direct access onto the west facing terrace. The second bedroom with an en suite bathroom has a sliding door onto the same terrace. The kitchen is fully fitted and equipped. Air conditioning. Amenities include 24 hour security, shops, restaurants and bars.

A first floor apartment in the popular security gated Casas Cortijo complex. Approached through an attractive central courtyard, steps lead up to the apartment with three bedrooms and two bathroom, one en suite to the master bedroom. The living room/dining room has direct access to an open terrace with views. The kitchen is fully fitted and equipped. Air conditioning/heating. Communal swimming pool.

A luxuriously appointed spacious three bedroom three bathroom second floor apartment with uninterrupted views south across the River Guadiaro along the beaches to Gibraltar and Africa. The property is located in a gated community with well cared for gardens and a large community swimming pool. There are garage spaces for two cars and a basement storeroom included.

The apartment has air conditioning/heating individually controlled in each room and the installation of an integrated music system, all the windows have automated roller blinds.

€265,000.00

€295,000.00

€550,000.00

SOTOGRANDE

143-01015P

SOTOGRANDE

R143-01019

SOTOGRANDE

R143-01267

3 bedroom | 3 bathroom

3 bedroom | 2 bathroom

4 bedroom | 3 bathroom

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, bedroom two, 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, stars 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.

Included with the apartment is a garage space and basement storeroom intended for use as a maids bedroom with en suite shower.

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.

A spacious newly built contemporary style villa with south facing views across the Almenara and San Roque Golf courses. The property is situated in a quiet cul-de-sac in an established road. It has a bright and airy feel with views from most rooms and a high level of privacy. The accommodation comprises:- Double height entrance hall, living room opening onto the terrace with a large plunge pool, the living room is seperated from the open plan kitchen/dining room by a double fronted fireplace. Two double bedrooms with dressing areas and en suite bathrooms, stairs to upper floor with master bedroom opening onto a large terrace, bathroom en suite.

€699,000.00

€795,000.00

€565,000.00 34

| www.bmi g roup.gi

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

ATLANTIC SUITES

OCEAN VILLAGE

ATS088

OCE151

Features:

• 2 Bedrooms • 2 Bathrooms • Close to amenities

This well presented apartment on a high floor has been furnished to a very high standard. It has a fully fitted kitchen with top of the range appliances, air-conditioning and a spacious and bright living area. Both double bedrooms have fitted wardrobes and the master bedroom has the benefit of en-suite facilities. The property boasts of a private south facing balcony offering fabulous panoramic sea views and residents of this exclusive development enjoy 24 hour security and an allocated parking bay in the secure garage.

Features:

• 4 Bedrooms • 3 Bathrooms • Terrace • Air Conditioning • Com Swimming Pool • Com Garden • Close to amenities

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.

£575,000

£999,950

ROCK GARDENS

GARDINERS ROAD

ROCKG015

GAR046

Features:

• 2 Bedrooms • 2 Bathrooms • Terrace • Air Conditioning • Com Swimming Pool • Close to amenities

£575,000

Well-appointed 2 bedroom, 2 bathroom apartment decorated to a very high standard and situated in an elevated position within this new development Rock Gardens providing spectacular views across the Bay of Gibraltar.

This spacious apartment is of approximately 109m2 internally, 34m2 of terrace and includes a private parking space. Amenities include communal swimming pool. Viewing is highly recommended.

Features:

• 3 Bedrooms • 2 Bathrooms • Store Room • Terrace • Highly recommended • Close to amenities • Close to amenities

£545,000

Spacious penthouse apartment of approximately 152m2 with terrace of 23m2 located within the exclusive area of Gardiners Road.

This apartment has been refurbished to a high standard and is ready to move in. Features ceramic floors throughout, large family kitchen fully fitted and includes appliances. Fully fitted bathroom and en-suite shower room. Utility room. Spacious master bedroom with fitted wardrobe, large living room offering spectacular views of the bay from the adjacent terrace.

Two attics with plenty of storage area. Also includes two private parking spaces. Viewing is highly recommended.

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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

R143-01238

R143-01244

SOTOGRANDE

R143-00304

4 bedroom | 3 bathroom

2 bedroom | 2 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.

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.

€1,150,000.00

€250,000.00

€950,000.00

SOTOGRANDE

36

SOTOGRANDE

4 bedroom |4 bathroom

R143-00526

SOTOGRANDE

R143-00833

SOTOGRANDE

R143-00795

3 bedroom | 3 bathroom

2 bedroom | 2 bathroom

3 bedroom | 3 bathroom

An upgraded 3 bedroom 3 bathroom apartment, with views across the Marina and the Mediterranean. Newly fitted kitchen, wood flooring to bedrooms, marble floors through the rest of the apartment, newly fitted kitchen, built in wardrobes in the bedrooms. Air conditioning/ heating, covered terrace. Close to shops, restaurants, etc.

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.

A selection of two and three bedrooms luxury apartments “Alboaire Golf”in San Roque Club. The properties comprise bathrooms en suite and cloakroom, living/dining room, fully equipped kitchen, storage and terraces. Parking places, communal swimming pool and private/communal garden.

€295,000.00

€325,000.00

€395,000.00

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S panish Resales | S PA NIS H S ALES

SOTOGRANDE

R143-00618

SOTOGRANDE

R143-00677

SOTOGRANDE

R143-00600

4 bedroom | 4 bathroom

4 bedroom | 3 bathroom

4 bedroom | 4 bathroom

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.

A beautifully situated 4 bedroom villa with lovely views to the south and west across the Almenara and San Roque golf courses. The property has a spacious entrance hall, a large newly fitted open plan kitchen/dining room and a separate utility room, leading to an enclosed conservatory. The living room with fireplace opening onto a covered terrace overlooking the pool and garden and a guest bedroom with an en suite bathroom. On the first floor are 2 guest bedrooms which share a bathroom and a master suite with fitted dressing room and en suite bathroom, all the bedrooms have good views. A mezzanine floor provides an office/library. Features include radiator central heating and private swimming pool.

A stunning Moroccan style house which has been designed in an L-shape with every care and attention to the smallest of details and located in a quiet street bordering a green zone in Sotogrande Alto. The tower high ceilinged entrance hall leads to one wing with a large living room with a fireplace and a domed ceiling cupola room and the master bedroom suite with a walk-in closet. Also a large utility room/storage room which could easily be transformed to a different use. The other wing has a large dining area/family room with a fireplace and a fully fitted kitchen. There is also a sitting area/TV room off the family room and a second bedroom suite.

€750,000.00

€840,000.00

SOTOGRANDE

R143-00085

SOTOGRANDE

R143-00666

€1,400,000.00

SOTOGRANDE

R143-00821

6 bedroom | 5 bathroom

4 bedroom | 4 bathroom

9 bedroom | 9 bathroom

A superb family villa built circa 1988 by a highly respected architect in the ever popular “Kings & Queens” close to the Royal Sotogrande Golf Club, the Cucurucho Beach Club and the Polo Club. The spacious entrance hall with guest cloakroom, leads into a large drawing room with open fireplace and direct access to the dining room, leading to a fully fitted and equipped kitchen with a breakfast area, plenty of storage cupboards and an utility area. In one wing of the villa, there are four bedrooms and three bathrooms (2 ensuite) and a family sitting room. Close to the kitchen, is a further guest or maid´s bedroom with ensuite bathroom.

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

A spectacular villa recently completed, combining a classic Andalucian style with contemporary comfort and the latest technology and very high quality of construction and finish, in a peaceful south facing location at the end of a cul-de-sac, overlooking an impressive ravine and protected natural beauty. The property is arranged on three levels and is approached through an attractive driveway lined with mature olive trees. At the entrance level is a large patio leading to a spacious 65 m2 living room with two fireplaces and direct access to a covered 100 m2 terrace overlooking the heated infinity swimming pool below and impressive views.

€1,995,000.00

€2,750,000.00

€6,995,000.00

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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

R143-01129

SAN ROQUE

R143-01071

4 bedroom | 2 bathroom

3 bedroom | 2 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 four bedroom two bathroom townhouse in a popular established location in the heart of Sotogrande. The accommodation comprises:- Hall, cloakroom, spacious living room with open fireplace and glazed doors to a private garden with built in barbecue and gate to the community gardens and swimming pool to the rear. Fitted kitchen with drying terrace and adjacent integral garage.

Stairs to landing. Here there are three guest bedrooms which share a bathroom. The master bedroom has a bathroom en suite, built in wardrobes and glazed doors to a terrace overlooking the rear gardens. Community facilities include:- Tennis courts, Swimming pool and extensive gardens.

A well established beautifully maintained detached villa situated a short distance (approx. 3 kms) from Torreguadiaro and Puerto Sotogrande on a mature residential estate of similar properties. The property features a private walled garden and lovely southerly views from the first floor to the sea, Gibraltar and Africa. Accommodation comprises :- Entrance hall and a well fitted dark oak kitchen with granite worktops. Spacious living/dining room with marble tiled floors and open fireplace and a lovely sea view, conservatory area with glazed doors to pool and garden.

€99,000.00

€285,000.00

SOTOGRANDE

38

R143-01151

1 bedroom |1 bathroom

R143-01148

SOTOGRANDE

R143-01131

€325,000.00

SOTOGRANDE

R143-01072

3 bedroom | 3 bathroom

4 bedroom | 3 bathroom

4 bedroom | 4 bathroom

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.

A delightful villa in Sotogrande Alto close to the Almenara Hotel and Golf Course, with views towards La Reserva Golf and the sea in the distance. A flight of steps leads to the entrance hall with an archway to the living room with fireplace and access to the covered terrace overlooking the swimming pool and jacuzzi. At one end of the villa, there are three bedrooms and two bathrooms (one en suite) and off the hall is the main bedroom with an en suite bathroom and direct access to the garden. The kitchen is fully fitted and equipped and has a dining room and a separate utility room. On the top floor there is a study with a terrace. Underfloor heating.

Solar panels for hot water. Barbecue. Heated swimming pool.

Jacuzzi. Garage.

A spectacular upgraded first floor, four bedroom four bathroom apartment in prestigious Valgrande in Sotogrande Alto, close to Valderrama Golf Club. The lift opens into a spacious entrance hall leading to a large living room with open fireplace and dining area, both opening onto a huge covered terrace overlooking the community gardens and swimming pool. The spacious fully fitted kitchen with breakfast area leads to the utility room and drying area.

The enlarged master bedroom with large walk-in dressing room and upgraded en suite bathroom with separate shower, has direct access to the terrace. There are three further bedrooms, each with bathrooms en suite.

€421,000.00

€595,000.00

€1,100,000.00

| www.bmi g roup.gi

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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 superbly situated four bedroom four bathroom penthouse duplex apartment with a south facing aspect with outstanding views across a wooded valley. The tremendously spacious accommodation comprises a double height entrance hall, with guest cloakroom, leading to the large living room / dining room with open fireplace and glazed patio doors to the extensive partly covered terrace. Well fitted kitchen / breakfast room opening onto the large terrace, utility room with drying terrace. Master bedroom with a large en suite bathroom with separate shower, dressing area with built in wardrobes, glazed door to a south facing terrace and glazed doors to main terrace.

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.

€,1,150,000.00

€1,550,000.00

€1,600,000.00

SOTOGRANDE

R143-01090

SOTOGRANDE

R143-01049

SOTOGRANDE

R143-01253

5 bedroom | 7 bathroom

6 bedroom | 4 bathroom

1 bedroom | 1 bathroom

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.

An attractive and spacious family villa in the very popular “Kings and Queens” area, close to the Royal Sotogrande Golf Club and the Cucurucho Beach Club. The property has ample off street parking including covered and pergola parking space, leading to an attractive entrance and large hall with direct access to a very large drawing room with various sitting areas and an open fireplace, sliding doors to a dining room and a large covered terrace overlooking the mature garden and swimming pool. The ground floor provides four bedrooms and three bathrooms (two en suite), a staff bedroom with en suite bathroom and a guest cloakroom.

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.

€3,685,000.00

€185,000.00

€2,700,000.00 40

R143-01067

4 bedroom |4 bathroom

| www.bmi g roup.gi

S panish Resales | S PA NIS H S ALES

SOTOGRANDE

R143-01223

SOTOGRANDE

R143-01231

SOTOGRANDE

R143-01188

3 bedroom | 2 bathroom

3 bedroom | 3 bathroom

4 bedroom | 3 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 replacemen of the plmbing system and bathrooms. New micro-cement flooringin 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 three bedroom marina apartment with outstanding views from its frontline corner location across the moorings and out to sea. The property offers spacious accommodation comprising three double sized bedrooms with new wood flooring and built in wardrobes, three marble tiled bathrooms, fitted kitchen and a spacious bright living room opening onto a large covered terrace overlooking the marina. Air conditioning/heating.

A well situated single storey detached villa with a separate one bedroom guest house and sauna. The property features a large lawned and very private garden with numerous palm trees. Accommodation comprises:- Hall, cloakroom, fitted kitchen with granite worktops and glazed door to large breakfast patio, living room with open fireplace and glazed doors to a large conservatory which in turn opens onto a large terrace and gardens. Master bedroom with a range of built in wardrobes and bathroom en suite, two guest bedrooms which share a bathroom. Outside is a timber guest house comprising living/bedroom, fitted kitchen, shower room and sauna.

€325,000.00

€350,000.00

€649,000.00

SOTOGRANDE

R143-01203

SOTOGRANDE

R143-01217

SOTOGRANDE

R143-01197

4 bedroom | 3 bathroom

4 bedroom | 4 bathroom

6 bedroom | 5 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. 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.

MASSIVE REDUCTION. A unique and very spacious family villa on an elevated plot with great views towards the San Roque Golf Course. The very large open plan entrance hall incorporates a dining hall, a breakfast area and a fitted bar, leading to a very spacious conservatory overlooking the pool and garden, all this ideal for all year round entertaining. The double height living room with a full height picture window bringing in an abundance of light has a mezzanine gallery. The master bedroom suite with direct access to the garden has two en suite shower rooms with an interconnecting dressing room and an adjoining TV room. There is a guest bedroom with an adjoining bathroom and a further bedroom at present used as an office...

A large newly built modern style villa with large windows providing plenty of light and taking full account of the wonderful golf and lake views. The property provides spacious well appointed accommodation comprising entrance hall, a very large interconnecting living room with open fireplace and dining room with full height glazed doors to the patio and garden. Well fitted and equipped kitchen with breakfast area. Utility room. Large garage. Swimming pool. MASSIVE REDUCTION FOR QUICK SALE.

€650,000.00

€850,000.00

€895,000.00

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41

Residential Mortgage Rates – Gibraltar New Business and Equity Release only Rates correct as at 16/12/2013a

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 Ratec

4.03%

End Date

Follow on Ratec (variable)

Overall cost for comparison

Product Feee

Minimum loan

31/03/2016

4.00%

4.2% APR

0.10% of loan amount (min £999)

£30,000

3% until 31/03/2016

5.2% APR

0.10% of loan amount (min £999)

£30,000

5% year 1, 4% year 2, 3% remainder of term

£50,000

3% until 31/03/2017

n/a

Early Repayment Charged

Residential new borrowing range Maximum 60% Loan to Value

b

2 Year Fixed Rate 5 Year Fixed Rate

5.03%

3 Year Base Rate Trackerf (Base + 3.19%) Maximum 75% Loan to Valueb

29/03/2019

4.00%

3.69%

31/03/2017

4.00%

4.1% APR

0.10% of loan amount (min £999)

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

5.09%

n/a

n/a

5.3% APR

1% of borrowing limit

£100,000

2 Year Fixed Rate

4.73%

31/03/2016

4.00%

4.9% APR

0.10% of loan amount (min £999)

£30,000

3% until 31/03/2016

5.9% APR

0.10% of loan amount (min £999)

£30,000

5% year 1, 4% year 2, 3% remainder of term

5 Year Fixed Rate 3 Year Base Rate Trackerf (Base + 3.54%)

Product Name

5.64%

29/03/2019

4.04% Initial Ratec

Follow 31/03/2017 on4.00% Ratec End Date (variable)

4.00%

Overall 4.2% cost APR for comparison

0.10% of loan amount (min £999)

Product Feee

£50,000 Minimum loan

3% until 31/03/2017

Early Repayment Charged

YOUR HOME PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE Residential equity release rangeOR (existing customers only) The Royal Bank of Variable 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. Standard (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 4.1%APR 4.00% n/a n/a £295 £5,000 n/a 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 b Maximum 60% to Value SELL YOUR HOME OR YOULoan 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.

2 Year Fixed Rate

4.03%

31/03/2016

4.00%

4.1% APR

£495

£25,000

5 Year Fixed Rate

5.03%

29/03/2019

4.00%

5.2% APR

£495

£25,000

3% until 31/03/2016 5% year 1, 4% year 2, 3% remainder of term

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

3.69%

31/03/2017

4.00%

4.1% APR

£495

£25,000

3% until 31/03/2017

5.09%

n/a

n/a

5.3APR%

1% of borrowing limit

£5,000

n/a

2 Year Fixed Rate

4.73%

31/03/2016

4.00%

4.9% APR

£495

£25,000

3% until 31/03/2016

5 Year Fixed Rate

5.64%

29/03/2019

4.00%

5.8% APR

£495

£25,000

5% year 1, 4% year 2, 3% remainder of term

3 Year Base Rate Trackerf (Base + 3.54%)

4.04%

31/03/2017

4.00%

4.1% APR

£495

£25,000

3% until 31/03/2017

f

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

b

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.

42

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Government of Gibraltar www.gibraltar.gov.gi Finance Centre Department +350 200 50011 info@financecentre.gov.gi www.gibraltar.gov.gi Financial Services Commission +350 200 40283 info@fsc.gi www.fsc.gi Gibraltar Tourist Board Gibraltar Office: +350 200 74950 tourism@gibraltar.gi www.visitgibraltar.gi London office: +44 (0) 20 7836 0777 info@gibraltar.gov.uk www.visitgibraltar.gi Gibraltar International Airport +350 200 12345 www.gibraltarairport.gi Chamber of Commerce +350 200 78376 info@gibraltarchamberofcommerce.com www.gibraltarchamberofcommerce.com Gibraltar Federation of Small Businesses +350 200 47722 gfsb@gfsb.gi www.gfsb.gi Piranha Designs +350 200 45599 www.pdg.gi

Law Firms

Isolas +350 200 78363 info@isolas.gi www.gibraltarlawyers.com Triay Stagnetto Neish +350 200 79423 tsn@tsnlaw.com www.tsnlaw.com Triay & Triay +350 200 72020 www.triay.com Verralls +350 200 47252 www.verralls.gi

Banks

NatWest +350 200 77737 www.natwestoffshore.com Barclays Wealth Corporate Banking +350 200 41222 Personal Banking +350 200 78565 gibraltar@barclayswealth.com www.barclayswealth.com

Directory

Useful Links

Company Managers

Fiduciary Management Ltd +350 200 76651 fiduciary@fiduciarygroup.com www.fiduciarygroup.com

Architects, Engineers & Project Management AKS +350 200 73260 www.aks.gi

Insurance

Ibex Insurance 900 100 527 www.ibexinsure.com

Capurro Insurance +350 200 40850 www.capurroinsurance.com

Accountants PwC + 350 200 73520 www.pwc.gi

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43

www.gibraltarlawyers.com

Whatever’s on the horizon, we’ve got your back

For all that life may bring, whether good or bad, ISOLAS is on your side.

Property • Family • Corporate & Commercial • Taxation • Litigation • Trusts Wills & Probate • Shipping • Private Client • Wealth management • Sports law & management

For further information contact: info@isolas.gi Portland House Glacis Road PO Box 204 Gibraltar Tel +350 2000 1892 Trusted since 1892