Islander Jersey 69 by factory

Connecting People & Property Perfectly.

Wilsons Knight Frank specialises in all aspects of the Jersey property market. We provide our clients with unequalled contacts, a trusted experience and an exceptional service, with access to both national and international purchasers through our proven Knight Frank global network. To learn more about this property or to discuss your property needs, please call 01534 877977.

#69

ABOUT PLACES ISLANDER.

Places Islander is Jersey’s only publication dedicated to multi-agent, high quality property related listings and local property and profile features.

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ACCOUNTS accounts@factory.je ISLANDER IS PUBLISHED BY

D e b b i e L e B r u n

01534 722 227 debbie.lebrun@savills.com

V i c t o r i a M a r k l a n d

01534 722 227 victoria.markland@savills.com

A g e r e s t r i c t e d

L ' H e r m i t a g e G a r d e n s , L a R o u t e D e

B e a u m o n t , S t . P e t e r J E 3 7 H A

E x c l u s i v e l y a v a i l a b l e t o o v e r 5 5 s , t h i s

p r o p e r t y s i t s w i t h i n O r c h a r d G r o v e o n t h e

p e a c e f u l s o u t h s i d e o f t h e d e v e l o p m e n t , i n

o n e o f t h e s m a l l e s t a n d m o s t p r i v a t e b l o c k s

T w o b e d r o o m s w i t h f i t t e d w a r d r o b e s , o n e

b a t h r o o m w i t h l a r g e w a l k - i n s h o w e r , m o d e r n

f i t t e d k i t c h e n , l i v i n g r o o m a n d d i n i n g a r e a

w i t h w e s t - f a c i n g w i n d o w s a n d b a l c o n y

a c c e s s E x t e r n a l l y a r e c o m m u n a l g a r d e n s , a

d e d i c a t e d p a r k i n g s p a c e a n d s e c u r e s t o r e

r o o m O t h e r c o m m u n a l f a c i l i t i e s i n c l u d e

r e s i d e n t s ' l i b r a r y , g a m e s r o o m a n d

c o n s e r v a t o r y - s t y l e w i n t e r g a r d e n

Asking Price £480,000

Q u a l i f i e d

d e v e l o p m e n t R e f u r b i s h e d t o w n h o u s e

L a R o u t e D e S t . A u b i n , S t . H e l i e r

J E 2 3 S D

S i t u a t e d o n t h e o u t s k i r t s o f S t H e l i e r , t h i s

b e a u t i f u l l y r e f u r b i s h e d t o w n h o u s e o f f e r s

m o d e r n l i v i n g i n a n e n v i a b l e l o c a t i o n T w o

d o u b l e b e d r o o m s , p r i n c i p a l s u i t e w i t h s e a

v i e w s , f a m i l y b a t h r o o m , l i v i n g r o o m o f f e r i n g

s p e c t a c u l a r s e a v i e w s , k i t c h e n d i n e r w i t h

n t e g r a t e d u n i t s a n d a p p l i a n c e s , u t i l i t y a n d

W C E x t e r n a l l y i s a s i n g l e g a r a g e w i t h

s t o r a g e a n d s p a c e f o r a f u r t h e r c a r t o b e

p a r k e d

Asking Price £775,000

Q u a l i f i e d

Le Clos De Debenaire, St. Helier

£619,000

This convenient 3 bedroom home sits on large plot, situated on a popular close of similar properties offering easy access to town, shops and major schools. A comfortable & well proportioned yet practical home, that ticks all the boxes! Highlights include a spacious 23 ft lounge / diner. The property comprises of 3 bedrooms, 2 doubles and a

Broadlands - 01534 880770

single, house bathroom, great size lounge/diner, downstairs cloakroom, kitchen and garage and parking for 1. With front and rear gardens. The property needs slight modernization and has no onward chain.

La Grande Route De St. Martin, St. Saviour £675,000

Set in a sought-after location, this recently built modern home presents an enticing opportunity for prospective buyers. Boasting 3 bedrooms and 2 bathrooms, including a spacious master bedroom with an ensuite, this property offers comfortable living space for a growing family. The well-designed open layout extends to the outside, with double doors to a good-sized enclosed rear garden perfect

Gaudin & Co - 01534 730741

for children and pets. With parking available for 2 cars and additional visitor spaces, practicality meets convenience in this residence. Situated in a popular location, residents will find themselves within walking distance of shops and schools, enhancing the property’s appeal. Furthermore, this chain-free home ensures a smooth transition for those looking to make a move hassle-free.

Places.je #55907

Places.je # 54043

La Rue Des Pres, St. Saviour £725,000

Tucked away in a quiet cul-de-sac, this immaculate threebedroom semi-detached home offers modern comfort and convenience. Featuring a stylish eat-in kitchen, spacious lounge/diner with log burner, and bifold doors to a sunny front garden, it’s perfect for entertaining. The rear garden is ideal for outdoor dining. Upstairs offers two double

Wilsons Knight Frank - 01534 877977

bedrooms with built-in storage, a single bedroom/office, and a family bathroom. With ample parking, an integral garage, and proximity to amenities, the beach, and town, it’s move-in ready.

Le Pre Cadoret, La Rue De Haut, St. Lawrence £749,000

La Maie on Le Pré Cadoret is a beautifully modernised threebedroom garage-linked home, quietly tucked away on a generous corner plot in St Lawrence. Boasting a bright eatin kitchen and a substantial lounge/diner, the home offers light-filled living throughout. Upstairs features two double bedrooms with wardrobes, a single bedroom, and a stylish

Gaudin & Co - 01534 730341

four-piece bathroom. Surrounded by south, east, and northfacing wrap-around gardens, the property also benefits from driveway parking for three cars and a large single garage housing the oil-fired boiler. With all mains services (excluding gas) and freehold tenure, this lovely family home is available to Entitled or Licensed buyers.

Places.je #55821

Places.je #55260

PEDZ AND CORRINE PADDIDAR

JOY YURTS

Pedram (Pedz) Paddidar is the founder of JOY (Jersey Organic Yurts) - he learnt to build yurts in Spain out of pure necessity as he needed a structure to live in. He embarked on a yurt building course with Jack Everett and from there learnt to build these beautiful structures. Fast forward several years and he returned to Jersey and developed his business, building and renting yurts, which he now runs with his wife Corrine.

Can you walk us through the process of making one of your yurts? What materials do you use?

Before any physical work is carried out Pedz will sit and do the math depending on the size yurt he wants to build. He is always innovating, using different angles to create more of a curve in the roof or higher walls etc. This is where the seeds are sewn.

Then we have to go to France and choose the wood from a mill. Our yurts are “steam bent yurts” and are generally made from ash or oak as they are durable yet flexible timbers. The wood needs to be carefully selected to avoid too many knots which causes the poles to snap when under pressure or in the steam bending process. Not all yurts have steam bent poles, the Mongolian style for example have straight poles.

Once the wood has been bent (including the crown, the wall poles and the roof poles) they are then left to sit for a month or so. During this time Pedz will make the oak frame for the door and the door itself. Then everything gets sanded and oiled, the walls get tied together in a trellis formation, the crown has willow inserted in it to gives it a dome-like shape for water to run off the roof and holes burnt in it to insert the roof poles.

Once the structure has been made it is set up and then the sewing begins, this is where I come in with the much needed assistance of my aunt Jean. The band to hold the structure together is the first thing we measure and make, then the roof which is sewn in segments, measured twice and cut once!

Then the walls and finally the hat.

These are the basic components that we make - of course there are other elements such as the base, flooring, windows etc.

How does being based in Jersey influence your work and the materials you use?

We try to use providers from as close as possible, within reason, which is why we choose France for our timber and the UK for our canvas. We also make furniture from Jersey sourced timber and use local service providers for the smaller aspects of our trade such as accessories, other materials.

We would source our timber from Jersey if it was possible however it simply isn’t available.

What does being a member of Genuine Jersey mean to you, and how has it helped your business?

We are proud to be Genuine Jersey Members as our products are entirely Jersey made and we believe this gives us an edge over other similar businesses. Genuine Jersey has been helpful in sharing our work through “Meet the Maker” videos to free advertising and publicity over the years.

We have featured in most Jersey magazines at some point over the years and believe much of this is due to our membership with GJ.

What’s the most memorable feedback or story from a customer that has stuck with you?

We love getting customer reviews and only recently we had a beautiful one which basically said they felt comforted by our relaxed, down-to-earth approach to the whole process as weddings can be daunting events to plan. We try (as much as possible) to put our clients’ minds at ease when they come to us so that we can help them achieve the day they dreamed of and not force our ideas upon them instead letting them run wild with their ideas as it’s a rare occasion.

Do you have any exciting projects or plans for the future?

We have a whopper on the burner at the moment - we finally got approval for our eco-glampsite/retreat to go ahead in St Aubin and we are working on it as we speak. It is a beautiful site overlooking the bay and will feature seven sleep yurts, permaculture gardens and a yoga space for classes and retreats which can be rented by practitioners.

We hope to have the yoga space “The Shala” up and running this summer with the accommodation element slowly being installed throughout the season as a trial. with a formal launch in 2026! Watch this space and look out for JOY Retreat in the months to come.

jerseyorganicyurts.com

In each edition we feature some of Jersey’s creators and let them share their creative visions and handmade goods with you lot, our island consumers. If you like what you see, check out genuinejersey.com and hunt them down to support our local industries!

25Apr

9 Mabel Place

La Route de St Aubin St Helier

£565,000 ref 1545/8921 URPN 691135571

Semaphore (formerly ‘Sonny’)

25Apr

Les Fourneaux Estate, La Rue de la Corbiere St Brelade

£1,055,000ref 1545/9405 URPN 693894605

5 Hampton Court

La Rue du Douet de Rue St Lawrence

£1,125,000 ref 1546/1519 URPN 694031958

Anne Port Farm

La Route de la Cote St Martin

£10,250,000 ref 1546/16712

2 Marina Place Columbus Street St Helier

£250,000 ref 1546/19414 URPN 6910385014

Le Court Champ : Field number 1196 La Grande Route du Mont a l’Abbe St Helier

£45,000 ref 1546/20117 URPN 6921087117

Parking space 7, St Roche Apartments

3 Ralegh Avenue St Helier

£30,000 ref 1546/21819 URPN

9 Clos Du Ruisseau

La Grande Route de St Martin St Martin

£800,000 ref 1546/24920 URPN 6940816220

7 and 8 Waverley Place

Union Street St Helier

25Apr

£375,000 ref 1546/35223 URPN 69136216 and 6913621823

16 Clos Saut Falluet

La Route des Quennevais St Brelade

£558,000 ref 1546/35628 URPN 6912433428

2 Nil Solitaire Villas

La Grande Route De St. Pierre St Peter

£800,000 ref 1545/651 URPN 69380518

Apartment 1, 19 Journeaux Street St Helier

£335,000 ref 1545/666 URPN 69395773

Cresta (formerly ‘Mabruk’)

6 Le Clos des Fourneaux St Brelade

£805,000 ref 1545/677 URPN 69127646

Honeysuckle

4 Jardin Du Mont a l’Abbe St Helier

£900,000 ref 1545/703

Unit 1 Vent D ºEte

La Rue de L’Etocquet St John

£2,050,000 ref 1545/778 URPN 69396006

1 St Helier Court Mews

Val Plaisant St Helier

£410,000 ref 1545/9022 URPN 691363351

Le Guet

5 Clos Du Reve St Clement

£1,200,000 ref 1545/9546 URPN 694057336

Silver Springs Care Home

La Route Des Genets St Brelade

£18,382,000 ref 1546/31810

Park House 1 Chevalier Road St Helier

£545,000 ref 1546/18513 URPN 69308002

Juan Les Pins

26 Le Mont Pelle St Helier

£680,000 ref 1546/20616 URPN 6912649215

1 Court Mews

Val Plaisant St Helier

£680,000 ref 1546/22618 URPN 6913633517

4 Highfield Country Apartments

La Route D’Ebenezer Trinity

£397,000 ref 1546/24410 URPN 6938046310

166 Le Clos Des Sables

La Route Orange St Brelade

£499,950 ref 1546/34421 URPN 6913141021

34 The Willows

La Rue Horman Grouville

£995,000 ref 1546/32824 URPN 6938758724

25Apr

11Apr

The latest transactions through the Royal Court

25Apr

11Apr

88 La Providence

La Vallee De St. Pierre St Lawrence

£715,000 ref 1545/618 URPN 69408109

La Muraille (formerly ‚ÄòEstrella º)

Le Vieux Mont de Beaumont St Peter

£1,100,000 ref 1545/688 URPN 69122881

11 D’Auvergne Lane St Helier

£400,000 ref 1545/646 URPN 69104208

La Ruette with The Barn

La Ruette St Lawrence

£1,625,000 ref 1545/685 URPN 69121028

The Barn

La Grande Route de la C√¥te St Clement

£1,025,000 ref 1545/711 URPN 69119216

Eventide

La Rue Du Grouet St Brelade

£5,000,000 ref 1545/736 URPN 69119719

Unit 2, Les Petits Canons

La Grande Route de St Jean Trinity

£1,310,000 ref 1545/9192 URPN 693958192

La Haule Residential Home

La Route de l’Isle St Brelade

£11,818,000 ref 1546/118 URPN 693892327

Windsong

31 Ville du Bocage St Peter

£730,000 ref 1546/18011 URPN 691371309

Apartment 2, Balmoral 10 Midvale Road St Helier

£275,000 ref 1546/18914 URPN 69129638

La Brianderie

La Route De St. Jean St Lawrence

£1,750,000 ref 1546/22216

52A Garden Lane St Helier

£330,000 ref 1546/23618 URPN 6910600618

3 The Cedars Green Street St Brelade

£1,085,000 ref 1546/31810 URPN 6939070010

5 Georgetown Mews

Georgetown Park Estate St Clement

£720,000 ref 1546/33622 URPN 6938533622

28 Maison Belleville

Wellington Road St Saviour

£0 ref 1546/36427 URPN 6912897027

10 Vauxhall Street

St Helier

£575,000 ref 1545/610 URPN 69136619

11Apr

20 Commercial Buildings

Pier Road St Helier

£925,000 ref URPN 69397030

9 Maudelaine Estate

La Route Orange St Brelade

£1,885,000 ref 1545/671 URPN 69111792

Silcia

La Rue Du Pont Marquet St Brelade

£815,000 ref 1545/695 URPN 69120142

Le Perchoir

La Rue De Causie St Clement

£810,000 ref 1545/727

Share 2, Marine Villa

Dicq Road St Saviour

£263,000 ref 1545/766 URPN 69104612

25Apr

11Apr

Clare Richmond

Chartered Surveyor, MSc (Hons) MRICS, MCIOB, Wills Associates

Tell us about your career to date

After completing school, I moved between several Government Departments and spent over 12 years working at the Jersey Housing Department which I thoroughly enjoyed. However, it was within property that I discovered my true passion. Determined to advance my career, I made a strategic decision to transition to the private sector as a property manager while simultaneously undertaking a degree in Building Surveying. This combination allowed me to gain practical experience while building my academic foundation. Towards the end of my graduation, I worked as a Trainee Building Surveyor where I started to focus working towards my MRICS (Royal Institute of Chartered Surveyors) chartership. During this time, I gained my chartership with the Chartered Institute of Building as well and then went on to join the team at Wills Surveyors. It was at Wills Surveyors where I decided to include residential valuation into my RICS chartership as this is an area they specialise in and with the support of my experienced colleagues, I successfully obtained my RICS chartership in 2024.

What do you do day to day?

My day is filled with a diverse range of responsibilities, which keeps things interesting and dynamic. I handle property valuations, where I assess the market value of residential properties. I also conduct detailed condition surveys, identifying the current state of buildings and any necessary repairs. Diagnosing defects is another key part of my role, where I investigate and identify issues that may impact a property's integrity. Additionally, I carry out reinstatement cost valuations to determine the financial requirements for rebuilding a property if necessary. Finally, I manage projects from start to finish, overseeing their progress and ensuring they are completed on time and within budget.

What is the best bit of the job?

What I like about my role is the variety and challenge it offers. You get to apply a wide range of skills—whether it's problem-solving during defect diagnosis, the analytical aspect of property valuations, or the project management side of overseeing projects from start to finish. Each task requires a different approach, which likely keeps things fresh and engaging. Plus, helping clients make informed decisions and seeing a project through to completion can be incredibly rewarding.

You you have a career highlight?

One of my proudest achievements has been earning my Chartership on the first attempt and within the minimum time frame. This is a significant accomplishment, as it’s one of the most challenging qualifications to obtain in the field. The process required an immense amount of dedication, intense studying, and hard work. There were times when it felt over-

whelming, but the sense of fulfilment when I achieved my MRICS status made it all worth it. Knowing that I was able to meet such a high standard, and in such a competitive and demanding field, is something I truly take pride in.

What does the year ahead look like for you?

With signs of recovery in the property market, I'm focused on capitalising on the anticipated increase in activity. Having started undertaking valuations last year, a key goal for the upcoming year is to significantly expand my experience in this area, working across a wider range of residential properties. I'm actively seeking opportunities to refine my valuation skills and market knowledge. Additionally, drawing on my personal background, I have a particular interest in developing expertise in the valuation of rural properties, including land and agricultural buildings, and I hope to explore opportunities in that niche as well.

What do you get up to outside of work?

Outside of my professional life, I enjoy an active lifestyle living in Trinity with my fiancé. We have a Belgian Malinois dog, two horses and a pony, which demand considerable time and energy. Having dedicated much of my free time over the past six years to my studies, I'm now enjoying refocusing on my equestrian pursuits, particularly training and competing. One of my horses is a 2-year-old which I’m particularly excited about. This year, I’ll be starting his groundwork training, with plans to back him in a year’s time. It’s an exciting new chapter, and I’m looking forward to seeing how he progresses.

Island Life

The phrase “no expense spared” is thrown around with wild abandon in Estate Agent Land. In some cases, you’d be forgiven for looking through a property for sale on Places and wondering if the only real expenses were the silver light switches and a feature mirror.

Millennial grey flats and houses without much character abound, hoping to appeal to buyers who are being asked to ‘make their mark’ on a developer’s insipid neutrality. Home and interior design make up a high proportion of Pinterest boards, Instagram stories and addictive content on streaming platforms. We all look, we all judge – and we secretly like scrutinising the places that look bad as much we like being wowed by the ones that look beautiful.

Bay Tree House, a new build tucked just behind the bay in St Lawrence, has got it right. No neutral grey, over-hoovered carpets – just tastefully selected, subtle colour schemes, natural tones and quality craftsmanship. Describing this as a three-bedroom property almost diminishes the extensive and flexible nature of a carefully considered design.

Set over four floors that each roll out onto a south-facing outdoor area, the home makes use of all-day sun. We’re all for open-plan living spaces, and this home’s open yet sectioned flow from kitchen into lounge is enough to make it feel comfortable without feeling like you can’t escape either. The kitchen is logically set out, with an islandbased hob and a downdraught extractor ensuring minimal mess and a clean look. Appliances are Siemens, and the floor-to-ceiling wood tones look fantastic against the stone floor – both beautifully bathed in light from the huge sliding doors out onto the patio.

The living space is bathed in light from huge south-facing sliding doors.

As the agent, Gaudin and Co., describe: “The seamless transition from the indoor living areas to the large terrace makes it perfect for al fresco dining while enjoying the spectacular views.”

Those views are across established trees and greenery to the waters of St Aubin’s Bay beyond. A glance down and your pool and patio are just a few steps away, set within your south-facing rear garden with a lush lawn surrounded by trees – the perfect space for outdoor relaxation and family fun.

Heading down from the pool to the lower ground floor, you’ll find two spacious reception rooms, currently specified on the plans for use as a gym and a versatile games or media room. If you’re the sort of person who can see themselves heading from gym to sauna to pool to bar to cinema – without leaving your house or climbing stairs – this entertainment level has you covered.

If you’re considering other living scenarios, this area also offers the potential to be converted into an integral apartment, providing flexible living options for a larger family or visiting guests.

The ‘Skylounge’ on the top floor offers commanding panoramic views.

Materials, construction and colour scheme are all considered and impeccably finished.

A standout feature of the home is the stunning fourth floor ‘Sky Lounge,’ complete with its own kitchenette and spacious terrace.

Heading upstairs, you’ll find three bedroom suites, two of which have beautiful walk-in wardrobes with modern cabinetry. All have fantastic, unique en-suite bathrooms – no generic fittings here. The master has his-and-hers sinks to save bedtime squabbles. All bedrooms are at the front of the house, making the most of the property’s location. Each enjoys far-reaching views panning from Elizabeth Castle to the east and St Aubin to the west, with access to a balcony that widens for the master suite.

A standout feature of the home is the stunning fourth-floor ‘Sky Lounge,’ complete with its own kitchenette and spacious terrace. It’s the place from which to watch the sun from rise to set. Sitting above the pitched rooflines of adjacent properties ensures a panoramic vista. You can imagine evenings whiled away on the large fourth-floor deck – having a drink, reading a book or just watching the day roll by.

Practically, the property has a double garage and ample forecourt parking, a handy shed and a pathway from front to back. Bay Tree House is available now with no onward chain. If you’re looking for a versatile, central, beautifully finished home with no expense spared, this one is worth a look.

Bay Tree House, St Lawrence £3,500,000 Freehold

Places.je # 52071

BEDROOMS 4 BATHROOMS 3950 SQUARE FEET

Arrange a viewing Gaudin&Co on 01534 730341

MORTGAGE market update

Words: Peter Seymour, The Mortgage Shop

Mixed messages from the other side of the Atlantic continue to confuse markets as the world witnesses the extraordinary ebb and flow of information from the White House.

The erratic decision making by Donald Trump has perplexed the world, and an increasing proportion of Americans are now turning against the President as the US economy plummets.

Europe and the UK are going to be hard hit by the situation, although the lesson to be learnt is that they should have stood on their own feet many years ago rather than relying upon the US to fight their battles for them.

Some clouds have a silver lining and in the case of UK mortgage rates, these must fall in order to fight forecast Cost of Living increases.

BANK OF ENGLAND BASE RATE

The Bank of England’s Monetary Policy Committee met on May 8 to consider Base Rate and decided to reduce this to 4.25%.

Further rate reductions to 3.75% by year end are forecast, although these are due in part to media conjecture and in part to professional comment from economists and other experts.

LOWER FIXED RATES IN THE UK

In the UK, best fixed rates are on offer for five years at 3.80%, possibly lower, but subject to announcements following the Base Rate reduction.

May 25 April 25 January 25

2-year Tracker rate 60% LTV 5.2% 5.2% 5.35%

2-year Tracker rate 90% LTV 5.4% 5.4% 5.79%

2-year Fixed rate 60% LTV 4.79% 5.04% 5.04%

2-year Fixed rate 90% LTV 5.29% 5.29% 5.54%

5-year Fixed rate 60% LTV 4.69% 4.74% 4.54%

5-year Fixed rate 90% LTV 5.1% 5.04% 5.09%

Sadly this trend has not been followed by Jersey mortgage providers who are obliged to add a Jersey premium to their fixed rates due to the additional cost of sourcing the funds that they then lend out, with the best fixed rate being offered at 4.64%

HOUSE PRICE INDEX – QUARTER 1

The latest House Price Index was released at the beginning of this month – this covers the first quarter of this year and doesn’t have any surprises. Average prices across the board are 1% lower when compared to the last quarter of 2024, and 14% lower than the peak in prices seen in quarter three in 2022.The exception was 4-bedroom houses which saw an increase in their mean price from the previous quarter, driven by a larger than usual number of sales of high value properties exceeding £3m – no doubt attributable to the increase in the HNW’s who are leaving the UK in their droves.

Turnover has increased, by 90% since the beginning of last year, and is 7% higher than the previous quarter. This is good news for the market, although there is still a long way to go before the level of activity seen from several years ago is resumed.

Asking prices must fall further to enable the market to start moving again as evidenced by the many houses and flats still not selling due to the reluctance of owners to reduce asking prices to a more realistic level.

THE HOUSING MARKET

Checking places.je this month, it is noticeable that the number of postings has increased to 1748 which is the highest for some months. There can be a number of reasons for this, although better weather in the Spring always encourages more people to think about moving house.

First Time Buyers, the lifeblood of the entire market have a choice of 130 flats in the range up to £300,000 with that figure rising significantly to 523 flats and houses in the range up to £500,000.

Home movers will find that there are 353 houses and flats in the price range from £600,000 to £800,000, whilst 265 properties are for sale in the range from £900,000 up to £1.5m.

Looking for something larger, then 155 properties can be found in the range from £2.5m up to £10m.

CURRENT MORTGAGE RATES

There has been no noticeable change in any of the fixed or tracker rates that are on offer from the seven main mortgage providers, although it is hoped that they will now review their range, especially the 2 and 5 year fixed options to encourage more buyers onto the market.

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We’ll give you up to 12 months to sell your existing property, and contribute to legal fees, estate agency costs, and removal expenses along the way. Leave the stress behind and step into

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