Page 1

Jersey’s only specialist property magazine & portal | no. 81 | May 15th 2013

view properties from all quality agents 24/7 at

The best place to find a new place in Jersey

www.places.je

HEAD IN THE CLOUDS Places peeks inside a detached family home packed with character and charm on page 20

ENHANCE THE VALUE OF YOUR HOME We speak to BDK architects and find out how they can get you more pennies for your property

Jersey’s most comprehensive property platform for home buyers and sellers. Use one of these brands and get your property advertised in the right Places, in print and online.

ESTATE AGENTS


<INTRODUCTION> Welcome to Places, the home of quality property in Jersey

PROPERTY

covercr 6

8

9

14

20

22

INVOLVED IN PROPERTY? PLACES IS THE PLACE FOR YOU

FEATURED LISTINGS

Featured Sales ...................................... 6 Featured Rentals ................................... 19

AGENTS/ DEVELOPERS

FEATURES

Enhancing Property Value ..................... 14 Property Profile: Clouds Hill .................. 20 JECC News ........................................... 21 Ogier: Mortgages .................................. 22 Places Directory .................................... 24 Directory Listings................................... 25 JEAA Comment ..................................... 26

GET INCLUDED NEXT EDITION

BOOK ON 811100

AGENTLISTINGS Dandara ................................................. 4 Rock Properties ..................................... 8 Maillards ................................................ 9 Red Properties....................................... 10 Moore Properties ................................... 12 Le Gallais Estates .................................. 14 Wilsons .................................................. 18

WE’VE ADDED 50% EXTRA DISTRIBUTION OF PLACES BY INSERTING 10,000 EDITIONS A MONTH IN GALLERY

JUNE

JULY

AUG

SEP

OCT

NOV

DEC

IF YOU’RE LOOKING FOR PROPERTY OR LOOKING TO SELL PROPERTY, LOOK INTO PLACES; JERSEY’S DEDICATED PROPERTY MARKETINGPLATFORM IN PRINT, ONLINE AND NOW IN GALLERY

JERSEY’S INDEPENDENT PROPERTY MAGAZINE

Places is Jersey’s only publication dedicated to multi agent, high quality property related listings and features in Jersey. Places is produced with high quality print and a quick turnaround, offering ultra competitive rates for high impact premium property goods and services marketing. If you’re a developer, agent, or just a writer interested in home and interiors with some ideas, get in touch.

3


St John £795,000 Deceptively Spacious

featured Our pick of the market this fortnight

St John £1,250,000

Jersey’s independent property magazine

Immaculate Jersey Farmhouse

6

An outstanding opportunity to aquire a spacious attached 6 bedroom 3 bathroom Jersey farmhouse that is in  walk-in condition and is brought to the market for the first time since its total refurbishment. Designed to provide spacious and comfortable family living whilst giving homage to the character of the building, the property is set in approximately 3 vergees of land including a substantial valley. Situated on the edge of St John /St Mary, the property is approached via a private road and is surrounded by open fields, giving peace and tranquility from the rush of modern living. A stunning family room/kitchen provides the heart to this property which seamlessly connects the lounge with the dining room.

INDIGO 639955

This 4/5 bedroom, 3 bathroom property is simply ideal for the growing family. Situated in an enviable location very close to St Johns Village and all its amenities including the school, church, pub and shops. With both green lane and coastal walks on your doorstep the property is also minutes into St Helier. Recently modernised to include a new en-suite bathroom, oak doors throughout and the addition of a fabulous orangery that creates a superb kitchen/family room, the property is in walk in condition throughout.

RED PROPERTIES 710710


featured

ST HELIER £679,950 Elegant Period Town House

ST HELIER £1,100,000 Viewing is a treat!

This charming traditional Jersey granite property dates back to at least the 1600’s. The accommodation is finished to a superior standard throughout and reveals a host of historic architectural features. The master bedroom has one of the most impressive dressed granite fireplaces in the Island and a delightful en-suite bathroom. There are a further 2 double bedrooms serviced by a house shower in the guest wing on the ground floor. Externally the property is surrounded by a vergee of lovingly tended mature gardens. 

This 5 bedroom property has been meticulously decorated throughout, and is packed with many original features i.e. (bakers oven, 4 fireplaces, ceiling roses, archways, high ceilings, coving, even down to the door hinges). This deceptively large home offers 4 reception rooms, bespoke kitchen, separate utility 2 bathrooms. Externally, there is a low maintenance Zen Style garden with decked seating and water feature which is an ideal retreat for unwinding from a days work or entertaining. The property comes complete with designer furniture worth £100,000.

GAUDIN & CO 730341

Jersey’s independent property magazine

LE GALLAIS 766689

7


01534 861888 info@rockproperty.co.uk

ST. SAVIOUR Y

• • • • •

A-J

5

ST. OUEN

2

Y

Detached bungalow Rural views surrounding South-facing gardens Garaging for 3, Parking for 8 IDYLLIC RURAL LOCATION

ST. OUEN Y

• • • • • •

£950,000

£779,000 A-J

4

• • • • •

A-J

4

Y

• • • •

A-J

£575,000 3

ST. CLEMENT

2

Substantial 4 bed bungalow Double Garage, Parking for 6 Large Kitchen/Breakfast Room Huge private rear garden NO ONWARD CHAIN!

ST. SAVIOUR

2

Substantial 4 bed granite house Garage plus ample parking Large Kitchen/Dining Room Private gardens STRIP OF LAND Rural fields surrounding

£750,000

Y

• • • • •

4

Y

• • • •

2

Detached 4 bed bungalow Quiet lane yet close to beach Two receptions rooms Sunny gardens surround Huge potential to improve

ST. SAVIOUR

3

Large 3 bed 3 bath house Recently fitted Conservatory Low maintenance garden Spacious Integral Garage

A-J

£735,000

A-J

£495,000 3

2

Large 3/4 bed family house Potential to extend Low maintenance gardens Two reception rooms + study


Specialists in character properties

GOREY VILLAGE Y

A-J

£425,000 2

ST. SAVIOUR

2

Y

A-J

£595,000 5

ST. PETER

2

Y

£765,000 A-J

3

3

Heart of Gorey Village

Home with an income

Newly constructed granite house

Integral double garage

Adjoining cottage

Sheltered valley location

Study

Close to schools and shops

Integral garage

Easy maintenance rear garden

In need of some gentle TLC

Driveway approach

ST. SAVIOUR Y

A-J

£775,000 3

ST. LAWRENCE

1

Y

A-J

£POA 4

ST. SAVIOUR

2

Y

A-J

£2,150,000 5

4

Unique country cottage

Traditional granite country house

Original 18th century granite house

Completely private

3 reception rooms

Recently renovated

Lovingly restored

Manageable gardens

Horse paddock

3 vergee paddock

View all properties on our new website at www.maillards.je

to a high standard •

Six vergees of equine grazing

Stables


St John

£1,995,000

JUST REDUCED - PRICED TO SELL

5 • • •

2

Freehold

A-K

Breathtaking, brand new, imposing home 5 bedroom suites plus integral cottage Incredibly high finishes throughout

• • •

Sought after, rural location with sea views FANTASTIC swimming pool complex Double garage, ample parking and manageable gardens

St John

£795,000

Jersey’s independent property magazine

NEW INSTRUCTION

10

4 • • •

3

Freehold

A-J

Superb, 4/5 bedroom, 3 bathroom granite home Simply perfect for the growing family Walk to St John’s village

• • •

In tip-top condition throughout Integral double garage, parking and gardens Sensibly priced to sell


01534 710710

8 Esplanade. St Helier. www.redproperties.je

St Peter

£629,000

NEW INSTRUCTION

2

NEW INSTRUCTION

A-J

Freehold

Trinity

£535,000

2

A-J

Freehold

St Mary

£499,000

NEW PRICE

NEW INSTRUCTION

3

3

• 3 Bedroom, 2 Bathroom family house • Deceptively spacious 2 storey accomodation • Fully fitted ‘eat-in’ kitchen • Lovely rural views across open fields • West facing very sunny garden • Parking for 3 cars on block paved driveway

• Semi detached 5 Bedroom family home • Possible 2 generation • Recently installed log burner • Potential for further extention • Parking for 6+ cars • Close to schools and main bus route

3

£550,000

A-J

• Charming Granite Cottage • 3 Bedroom, 3 Bathroom • Large modern ‘eat in’ kitchen • Popular country Parish • Southfacing sun terrace and private rear garden • Single garage + parking for 2 cars

Freehold

4

3

A-J

• Recently extended and updated • 4 bedroom, 3 bathroom home • Walk to school, shop, pub and beach • Safely enclosed rear garden • Parking for 3 cars + visitor spaces • Bright and spacious

Freehold

Jersey’s independent property magazine

5

St Mary

11


Moore Properties TRINITY

5

£850,000

• Detached Property • Rural Lane Location • Garden & Meadow

FREEHOLD A-J

3

£490,000

• No Onward Chain • Quiet Location • Close to Bel Royal

3

£385,000

• Detached Bungalow • Cottage Garden • Access to Railway Walk

1

FREEHOLD A-J

ST BRELADE

ST JOHN

4

£635,000

ST HELIER

£415,000

FREEHOLD A-J

• Modernisation Required • No On Site Parking

ST HELIER

£285,000

• Garden Apartment • Outskirts of Town • Designated Parking

• Semi-Rural Location • Potential to Extend • Garage & Parking

2

2

SHARE TRANSFER A-H

• Sea Front Location at Millbrook • Ground Floor Apt.

1

1

FREEHOLD A-J

• Detached Family Home • South Facing Garden • Quiet Location

• Suitable Two Generation • Garage & Carport

ST LAWRENCE

• Detached • Garage Linked • Enclosed Garden

2

T: 880544

• Garage & Parking • South Facing Garden • Working Fireplace

2

1

SHARE TRANSFER A-H

• Well Presented • No Onward Chain

E: sales@mooreproperties.co.uk SALES

RENTALS

VALUATIONS

PROPERTY MANAGEMENT

www.mooreproperties.co.uk

ST CLEMENT

3

£630,000

FREEHOLD A-J

• Detached House • Attractive Private Close • Garage & Parking

ST SAVIOUR

• Immaculate Apartment • Direct Beach Access

2

FREEHOLD A-J

• Semi–Detached House • South Facing Garden & Terrace

£272,000

• Spacious Living Area • Enclosed Garden

2

£410,000

ST HELIER

2

• Private Parking • Potential Loft Extension • Quiet Side Street

1

1

SHARE TRANSFER A-H

• First Floor • Rented Parking Space • Walk To Town


This citation from one of our domestic Clients neatly encapsulates the services BDK Architects provide for residential owner-occupiers. Underlining our approach is about enhancing Property Value, so our Clients ends up with a result that is more than they expected adding real value to their dwelling. One of our particular attributes is our expertise with producing 3 dimensional building modelling for every project. BDK Architects design using state of the art CAD technology, from which we can give our Clients a Virtual Building Model for them to explore at leisure on their own computers at design stage, and also produce life-like virtual reality threedimensional images.

BDK Architects expertise has again recently been judged as the best across the whole of Great Britain, being honoured with a Green Apple Award 2013 for “The Cube” project, pictured. This is an ultra-high tech glass walled extension to a listed Regency House in St Helier. Our original objective of creating a light, attractive, addition enhancing the quality of the original Regency house while not competing with the original architecture has been achieved with style & panache. BDK have expert knowledge of Planning Policies enabling us to advise Clients on what might be acceptable. For example we have recently been advising an owner of a large house in the Green Zone

on Island Plan Policy supporting sub-division into several smaller dwellings. This has the potential of enabling owners of large houses, which they are finding difficult to sell, to down-size at the same time realising enhanced property value. For specific advice about your property please call Paul Harding, Principal Chartered Architect, on 01534 768740.

Jersey’s independent property magazine

We used BDK Architects and found them to be quick, reasonably priced, creative, great to work with, approachable and with a complete understanding of all Planning and Building Bye-Law aspects. We would recommend them for any construction project!

13


call: 766689 email: lettings@legallais.co.uk lettings & property management

ST HELIER

ST CLEMENT

• Enclosed Patio • Private Parking • Close To Schools • Regret Not Suitable For Pets • REF: 11J • Available June 2013

£3,000 per month

1 3 3

A-J

ST HELIER

£950 PER MONTH

1 1 1

A-J

ST SAVIOUR

• Quiet Town Location • Recently Renovated • Shared Outside Area • Garage Included • REF: 72J • Available Now

1 1 1

A-H

£1,305 per month

• Traditional Cottage • Rural Location • Wooden Flooring • Mezzanine • Available Now • REF: 86S

1 1 1

A-J

ST HELIER

ST HELIER

• Ground Floor Apartment • Two Private Patios • Secure Parking + Visitors • Regret No Children Or Pets • REF: 58S • Available Now

£1,800 per month

£975 per month

• Designated Parking Space • Private Store Cupboard • South Facing • On Main Bus Route To Town • REF: 71J • Available Now • Available Now

• Garage & Parking • Regret No Pets • Rear Garden • Juliette Balcony • REF: 60S • Available 1 July 2013

1 2 2

A-J

£1,343 per month

S A L E S • L E T T I N G S • VA L UAT I O N S • P RO P E RT Y M A N AG E M E N T

www.legallais.co.uk

1 2 1

A-J


call: 766689 email: estates@legallais.co.uk ESTATE AGENTS

ST HELIER

ST HELIER

• Perfect First Buy • Investment Opportunity • Purpose Built • Lift Access • Central Location • Currently Rented £9,240pa

£165,000

1 1

SHARE TRANSFER A-H

• First Time Buyers Only • In Immaculate Condition • Garden Partially Laid to Lawn • Newly Paved Patio Area • Single Garage Plus Storage • One Allocated Parking Space

1 1

SHARE TRANSFER A-H

• Immaculate Throughout • Large Reception Rooms • Superb Eat-in Kitchen • Spacious Bedrooms • Good Size Garden • Garage Plus Ample Parking

1 2 1

FREEHOLD A-H

St CLEMENT

£675,000

2 3 2

FREEHOLD A-J

St HELIER

• LAST REMAINING UNIT • New Build Property, Great Location • Close to Beaches & Golf • Modern Fixtures & Fittings • Garden Mainly Laid to Lawn • Garage & Additional Parking

£735,000

£285,000

1

ST BRELADE

St HELIER

£385,000

• Ground Floor Purpose Built Apt • Spacious Rooms • Large Sun Terrace • Direct Beach Access • Communal Gardens • Bicycle Store & Store Units

1

• Historic Property • Massive Gardens • Rural but Close to Town • Huge Potential • Beautifully Presented • A Must View!

2 4 2

FREEHOLD A-J

£1,100,000

S A L E S • L E T T I N G S • VA L UAT I O N S • P RO P E RT Y M A N AG E M E N T

15 BATH STREET • ST HELIER • JERSEY • TEL 766689

1 3 2

FREEHOLD A-J


4 DAYS | 25 CARS | 20 CLUES | 1 WINNER

JOIN US ON A

FUNDRAISING ADVENTURE 7-10 JUNE 2013 DRIVER

BROUGHT TO YOU BY

IN AID OF

11

TEAM JERESY NAVIGATOR

SUPPORTED BY

a scavenger hunt around Europe

7-10 June 2013

Raising funds for

In association with

Supported by

LEARN MORE AND SIGN UP AT WWW.GALLERYRALLY.COM


£235,000

St Helier

• Investment apartment • 5.25% Annual return • 1 Bed part furnished • Marina location

£409,000

St Saviour

• 3 Bedrooms • Great location • Garden • Parking

£695,000

St Ouen

• Newly restored • 3 Bedrooms • Rural location • Garden & parking

£695,000

St Lawrence

• Duplex apartment • 3 Bed / 3 bath • Parking • Sun Terrace & garden

£2,650,000 A-K

SEA VIEWS OVER ST AUBINS BAY. SET SURROUNDED BY 4-5 VERGEES OF LAND AND GARDENS, THIS SUPERBLY REDEVELOPED LUXURY PERIOS RESIDENCE PROVIDES: 5 reception rooms, 5 bedrooms and 5 family bath/

£445,000

St Helier

• Period town house • 3 Bed / 2 Bath • Court yard • Rented parking

£435,000

• 4 Bedrooms • Eat in kitchen • Modernised • Rear garden

St Helier

£785,000

Trinity

• 3 Bedrooms • Rural location • Garden & parking • Plans passed to extend

£885,000

St Peter

• 3 Bedrooms • 3/4 Receptions • Original Features • Garden & Parking

St Peter

shower rooms. The excellent accommodation is beautifully presented and includes a splendid sun room with sun balcony and a fine 26’ family kitchen. A MOST OUTSTANDING QUALITY FAMILY HOME.


rentalselection StClement Lawrence St

4 3

£2,350 PCM £1,650 PCM

2

A-J

StSaviour Lawrence St

31

£1,305 PCM £1,650 PCM

21

A-J

StJohn Lawrence St

4 3

£2,900 PCM PCM £1,650

3 2

A-J

Direct access to the beach Private South facing garden Available part furnished Stunning sea views Close to all amenities

Traditional Cottage Rural Location Wooden Flooring Mezzanine Available Now

Superior, gated, brand new development Convenient yet rural location Sonos Sound System throughout Landscaped gardens Large single garage + parking

01534 880544

01534 766689

01534 710710

StHelier Lawrence St

2 3

£1,300 PCM PCM £1,650

21

A-J

StHelier Lawrence St

2 3

£1,800 PCM £1,650 PCM

2

A-J

StHelier Lawrence St

2 3

£2,100 PCM PCM £1,650

2

A-J

Harbour side living Popular, select development Secure, underground parking for 1 car plus store Available from early May Highly recommended

Ground Floor Apartment Two Private Patios Secure Parking + Visitors Regret No Children Or Pets Available Now

Large open plan lounge kitchen Two storage cupboards in apartment Floor to ceiling windows in lounge Separate Utility Room with Miele Appliances Views of Water front park

01534 710710

01534 766689

01534 789900

StOuen Lawrence St

4 3

£3,000 PCM £1,650 PCM

2

NQ A-J

St Lawrence Grouville

31

£1,250 PCM £1,650 PCM

21

NQ A-J

StHelier Lawrence St

31

£700 PCM £1,650 PCM

21

3 reception rooms Large Garden Available Immediately Rural Aspect Luxury Farmhouse

Charming cottage Tranquil & peaceful setting fully re-furbished Sunny S/W facing garden Close to ameneties

Short Walk To Town Totally Renovated Tastefully Decorated Convenient Location Available Now

01534 880544

01534 639955

01534 766689

NQ A-J


JERSEY’S INDEPENDENT PROPERTY MAGAZINE

Clouds Hill is the sort of family property that, after 20 years of being loved and lived in by one family, is ready for new owners to make their mark on.

20

The scope for Clouds Hill is considerable, although ready to move into immediately, there are undoubtedly a few minor décor changes to bring it up to date. Clouds Hill is a house bursting with potential.   Clouds Hill is neatly tucked away on a winding country lane off the main road through St Saviour. The lane itself is home to cosy country cottages and a farm, creating the homely rural surround for an ideal family home. Clouds Hill is detached and thanks to positioning, is wonderfully private and by all accounts, something of a hide away. The property doesn’t give much away from the front; it seems rather small atop its large car pool area, where mature shrubs and a beautiful blossom tree leave little or no maintenance out front.   Step inside though, through the large reception area and into one heck of a sized family home. As Clouds Hill is some 20 or so years old, and having been added to over the years, its layout is a little different – this gives it a degree of character that is sometimes lacking in modern builds. Immediately inside, it is clear why the current owners have resided at Clouds Hill for so long – this home is brimming with charm and has a welcoming air about it straight away.   Directly in front as you step into Clouds Hill, is the large living room. Looking past the décor it is a perfectly proportioned space with scope to be a wonderful entertaining space, or a large family sitting room with ample space for mums and dads to sit back and relax

in front of the functional granite fireplace (no rural home should be without one). The size of the living room means there is plenty of space for the kids too, it’s somewhere for the entire family to enjoy. Patio doors lead out on to one part of the large back garden and the views beyond – primarily fields and green land as far as the eye can see. The dining room adjoins the living space and any future owner could consider making this space one large open plan arena for entertaining or family nights in front of the TV.   Through the living room and into the kitchen, the heart of the home… Clouds Hill offers so much space that the cosy country kitchen still has a feeling of an amply sized room. Buttermilk units and typical country décor lead to the utility room and patio doors lead out onto the sunny swimming pool area. There is a spacious study across from the kitchen, which could very well make for a perfect changing room, or a wet room for the swimming pool. Access via this end of the house leads you into the gargantuan garage; currently used as a garage and workshop, there is so much space here!   Each of the bedrooms is of a decent enough size; potential in abundance as the décor could do with updating but there is plenty of storage and lots of natural light. Storage is another plus at Clouds Hill, there is stacks of it and the current owners have raised the roof, enabling attic space across the expanse of the entire house.  


MEMBERS ONLY The JeCC has secured membership over the past 12 months from a diverse range of clients who have acknowledged the importance of the relationship they share with the construction industry. Membership to the JeCC now stands at an impressive 108 firms, traders and individuals who are all heavily reliant upon the construction industry for their livelihoods.

family looking for a new nest. Any buyer seeking a real family home in the heart of the country will be suitably impressed with what this house has to offer… There is work to be done in terms of bringing it up to date, but in its current condition, is certainly ready to be lived in whilst any minor décor updates get underway. Clouds Hill and its enviable gardens have been lovingly maintained therefore any work needed is

As Clouds Hill is some 20 or so years old, and having been added to over the years, its layout is a little different – this gives it a degree of character that is sometimes lacking in modern builds. around it, as well as a large sized eating space just outside the kitchen patio doors. Cleverly constructed, the garden stretches out beyond the pool both to the front and to the left… Walls and mature shrubs break up the garden areas, allowing some ‘grown up’ space whilst still catering for the prerequisite football goal, climbing frame and other kiddies’ garden essentials.   The garden is pretty low maintenance, any gardening enthusiasts though, will love the opportunity Clouds Hill’s garden offers; again, potential, potential, potential… Ample room for a vegetable patch and a decent sized garden shed already in situ for the green-fingered necessities and accessories…   Clouds Hill is a must see property for any

aesthetic rather than structural. With its quirky layout and cosy quality, Clouds Hill makes for an ideal family home for life.

Call Rock Properties 861888  

Clouds Hill

Rue De La Hambye St Saviour  

£950,000

Swimming Pool Large South Facing Garden Parking for 8 cars Triple Garage 5 Bedrooms Over 2000 Square Foot  

Over the past few months, the JeCC has also held various training seminars for the benefit of all members, covering a variety of interesting and relevant topics that are applicable to both members and nonmembers alike. The JeCC pride themselves on the provision of up-to-date information relating to the construction industry locally via their website bulletins. They aim to become the first place online that Islanders go when they want construction related advice and information, or when they are looking for reliable tradesman. Any Jersey firm, sole trader or, in the case of partnerships, individuals operating in the Jersey construction industry are eligible to become a member. They are always on the look out, and actively encourage further membership from any industry. With their support, guidance and hard work, it is hoped that the industry can develop and flourish for years to come.

For more details and for membership application forms, see the JeCC website at www.jerseyconstruction. org or contact the Executive Secretary Caroline Harrington at info@jerseyconstruction.org

JERSEY’S INDEPENDENT PROPERTY MAGAZINE

Aside from the space, storage, potential and promise of Clouds Hill, there is the piece de resistance; the garden…   Home to a beautiful swimming pool (complete with slide for the kids and daredevils!), Clouds Hill’s garden is the sort of space you really want to run around and play in as a child. The swimming pool has quaint little seated areas dotted

The JeCC work tirelessly to raise the profile of the industry, and will continue to represent the interests of their members under an increasingly uncertain economic background and fall in workload. Despite this, the council continues to be the voice of the industry within the States, and has regular correspondence with the government on all areas relating to the industry. Membership provides you with representation at an industry level, benefiting the industry and allowing the JeCC and its members to have a greater authority. Most recently, the campaign regarding Affordable Housing and the JeCC's proposal to have this re-evaluated was a huge success.

21


SHEDDING LIGHT ON THE MORTGAGE WORLD Jonathan Hughes, Partner and Co-Head of the Property Law Group at Ogier, asks Dyfrig Roberts, Area Director for Retail Banking & Wealth Management at HSBC, those burning questions we all have about the world of mortgages… Jonathan Hughes (JH): What is the minimum deposit required to secure a mortgage in the current market? Dyfrig Roberts (DR): From a HSBC Bank point of view, the maximum ‘Loan To Value’ is 90%. A customer will require a minimum 10% deposit for borrowing up to £400,000. For borrowing above £400,000 the minimum deposit is 20%.

JH: How much can someone borrow? DR: It’s difficult to be specific but as a guide we work to Gross

repayments will increase or reduce accordingly. With a ‘Fixed Rate Mortgage’, the rate is fixed for two, three or five years. The rate and the monthly repayments are fixed for the specific fixed rate period. Finally, there is a ‘Discount Rate Mortgage’, where the rate is set at a percentage below the Standard Variable Rate for a period of two years. The rates available are dependent on the ‘Loan To Value’. The lower the ‘Loan To Value’, the better the rate.

DR: Not at all. At HSBC Bank we are looking to assist first time

Is it difficult for a first time buyer to get a mortgage at the moment? Not at all. At HSBC Bank we are looking to assist first time buyers wherever possible, subject to customers meeting our normal lending criteria.

JH: What different types of mortgage are currently available? DR: There are essentially two repayment types for mortgages.

It’s worth noting, however, that some fixed and tracker rates may attract a booking fee, so it is always important to balance the interest charged with the booking fee payable. The ‘Annual Percentage Rate’, or APR, will give a true cost over the period of the loan.

Salary Multiples of five times Gross Salary. In addition, this is subject to an affordability analysis, which is the key factor in any mortgage application.

JH: Is it difficult for a first time buyer to get a mortgage at the moment?

buyers wherever possible, subject to customers meeting our normal lending criteria.

A ‘Capital Repayment Mortgage’ is where monthly repayments include both the interest and a small portion of the capital so that the mortgage is repaid at the end of the mortgage term. An ‘Interest Only Loan’ involves only the interest being paid each month, with the capital repaid at the end of the mortgage term in one lump sum.

Fixed rates give customers the security of knowing that their repayments will not change over the period of the loan. However, with a fixed rate mortgage at HSBC customers are afforded the flexibility to repay the loan early or make over-payments without penalty.

JH: What are the potential costs to look out for when selecting

Repayments on a Capital Repayment Mortgage are naturally higher than an interest only mortgage. For an Interest Only mortgage to be approved, though, a customer must have a suitable repayment vehicle in place, such as a detailed plan on when and how repayments will be made. Currently Interest Only mortgages are available solely to Premier customers that satisfy certain criteria.

These would typically include a Booking Fee, a Completion Fee and a Valuation Fee. The Booking and Valuation Fees are dependent upon the mortgage package requested as some are fee free.

In terms of mortgage products there are essentially two: a ‘Residential Owner Occupation Mortgage’ and a ‘Residential Buy To Let Mortgage’, depending on the use of the property once it has been purchased.

The other costs to be aware of are estate agents fees if selling a property, Stamp Duty on the property purchase, legal fees for the customer’s lawyers, Stamp Duty on the borrowing, and legal fees for the Bank’s lawyers.

JH: How important is the interest rate when deciding which

JH: Is it possible to transfer an existing mortgage to a new property? DR: ‘Existing HSBC Mortgage Terms’ are portable, which means

mortgage option to go for? DR: There are three different types of rate available. A ‘Tracker Rate’ mortgage is where the interest rate tracks movements in the Bank of England Base Rate. The margin above base rate is fixed at the outset but if the Base Rate increases or reduces then monthly

a mortgage?

DR: There are a number of mortgage related costs to be aware of.

that it is possible to transfer a mortgage to a new property provided that the amount and the term are not amended. Any new mortgage borrowing above the portable amount, however, will be granted at current rates.

If you would like to meet with a member of our team for an informal chat, please call 504056 or visit us online at www.ogierproperty.com


For any questions or enquiries about HSBC’s mortgages contact the HSBC mortgage team direct on tel 606489, or for any property law advice call the Ogier property team on 504056 or email info@ogierproperty.com ABOUT OGIER’S PROPERTY LAW GROUP Home buyers and sellers

We handle a wide range of local residential transactions ranging from the purchase and sale of the most valuable and prestigious properties in the Island to flats and starter homes. Our residential property team is highly recommended by local agents, banks and the people we have helped to buy, sell and finance their property.

Commercial Property - Local Businesses

Our commercial property team is well known for executing some of the largest and most complex commercial property transactions with accuracy and speed. We provide a responsive, constructive and commercially aware client service for large and small businesses. We work for local landlords, tenants, developers and financiers as well as institutional investors of international repute.


directory Self Storage

Make moving easy

The Box Shop at Le Gallais has a complete range of boxes and packing materials that will make moving home so much easier. Simply order online or pull into our Self Storage facility in Hilgrove Street and load up with all the boxes and materials you need. If you require a large quantity we will deliver to your home. Le Gallais Self Storage Hilgrove Street Tel. 631996 www.legallais.co.uk Open 8-6 Weekdays and 9-1 Sat

Landscape Designers

JERSEY’S INDEPENDENT PROPERTY MAGAZINE

Home Staging

Interiors

Jersey Oak

Space Again

Do you want to make the right impression on prospective buyers so that you can sell more quickly? Our Home Staging service will make those first impressions count. Sellers who work with us have more time, more energy and less stress to get on with their move. We stage – you sell.

Space Again 07797 750647 Fiona@spaceagain.co.uk www.spaceagain.co.uk

Jersey Oak specialises in the design and manufacture of bespoke furniture. We pride ourselves in offering you the opportunity to own a unique, tailor made, affordable piece for your home or garden. We offer a wide range of solid oak products, including furniture, flooring, stairs, oak beams and homewares. Gifts and accessories are also available from our studio at the Harbour Gallery in St Aubin. Jersey Oak Tel: 07797888782 info@jerseyoak.com

Manufacture

Landscapes

Michael Felton Ltd

Just clocking in...

For Beautiful Gardens...

Michael Felton Ltd T: 01534 632101 F: 01534 632102 E: admin@mfl.co.je

Factory T: 01534 811100 E: hello@factory.je W: www.factory.je

Andrew Le Maistre Landscapes T: 01534 867021 T: 07797 729123

Michael Felton Ltd offer a team of qualified award winning landscape designers with over 60 years combined experience in the landscape industry. From initial concept, making better use of your space, to detailed designs we can take the pressure off your project. We can also tender and supervise contracts for landscape work, enabling you to relax and enjoy the end result.

24

from just £19 per week*

Oh, hello - are you looking at us? You are? Why thank you! We are Factory, and we’re behind some of the biggest names in publishing locally like Gallery, Appetite and of course the very publication you hold in your hands right now; Places. Chances are you’re not the only person who’s noticed this little ad, so just think what it could do for your business?

Speak to Andrew Le Maistre. Also stocking a wide range of sheds and outbuildings as well as offering every aspect of garden clearance, creation and care. A family run company, all work is professionally undertaken to meet the highest standards and guarantee longevity of the finished product whether it be for domestic, commercial or retail premises.

Andrew Le Maistre L

A

N

D

S

C

A

P

E

S

make people love you (maybe). Make your Business Stand out give us a call on

811100 now!

Say something more with a directory entry Your entry gives the reader a profile of your business or a message about a particular brand you stock along with a full colour image that epitomises your business and what you offer. single booking

4 issues

8 issues

12 issues

22 issues

22 issues

£59

£56

£53

£47

£41

£38

pay monthly

Get included. Call Ceri on 811100

prepay


directory listings AC Mauger Construction AC Mauger Special Projects Kalmac Ltd Style Group Ltd Keystone Builders LTD Style Group Camerons LTD David Ward Building Contractors

744281 744281 486030 744281 859216 744281 725417 485754

Finance & Mortgage Lenders Acorn mortgages 618628 Actus 766620 Alexander Forbes 837837 Barclays Bank 812000 Black Horse offshore 514700 Cherry Godfrey 711666 Colomberie Finance 758888 Equipment Rental Finance 737341 European Insurance Brokers 833733 Hepburns Insurance 515151 Heritage Group 758875 Home Buyer Financial Servies 754444 HSBC 0845 7662255 Jersey Home Loans 877833 Lloyds TSB Bank 08456 025002 Lombard Finance 824824 Mortgage Shop Plus 789830 Natwest Offshore 282828 Royal Bank of Scotland 285200 Savills Private Finance 709400 Synergy Financial Services 750600 Skipton 730730

Insurance Companies Easy Insurance Insurance Corporation of C.I Jersey Mutual Insurance CCV Insurance Reed Insurance Rossborough Group

849000 700200 734246 702777 835200 500500

Project Management Bridgewater Project Management

866433

Removal Companies A Class Move Asco Move & Store it Carlton Carries Ltd Country Removals

625334 866644 725625 865905

Fetch & Karrie 866914 Good Moves Ltd 769086 Grafters 811114 Isle Move it 610658 J&M Removals 879839 Le Cornu Removals 780724 Phillips International Removals 485817 Papaduts Removals 728155 Pinel Carriers 722544 Pickfords 731251 Prestige Removal 510564 Profreight C.I 730344 R & R Removals 873932 Top Move 485901 U-Store 499898 White Company plc 484002

Solicitors Appleby 888777 Andrew Begg & Co. 734234 Bedell Cristin 814814 Benest & Syvret 875875 Carey Olsen 888900 Collas Crill 601700 LWR law 506800 Ogier 504000 Mourant Ozannes 676000 Viberts 888666

Surveyors Andrew Arthur Garfield-Bennett Building Surveying Gary Le Feuvre Geoffrey Wills Peter Bridle Peter Mercer Reynolds Charted Surveyors Sarre & Company ABS Consultants Ltd

483808 856437 888511 285192 727825 854410 736226 888848 731361

Utility Companies Esso Petroleum Jersey Electricity Jersey Gas Jersey Post Jersey Telecom Jersey Water Newtel Solutions

826800 505460 755500 616616 08007 352500 707300 506400

Interiors / Furniture David Hicks Interiors 865965 Bauformat 869111

Beaumont Home Centre 822822 Bijou Aux Eclat 852212 Channel Blinds 484141 Channel Shutter & Door Co. Ltd 285916 Coastline 744233 Colins and Hayes 01424 720027 Cp Sun Blinds and Curtains 768141 Creative Window 744942 David Hicks 721162 De Gruchy Furniture Department 818731 Emess Lighting 872772 Glow Furniture 639777 Homemaker Furniture Department 879822 Jersey Electricity 505587 Jersey Oak 07797 888782 Laid Flooring 866536 Morton & Morton 726222 Mypad.je 633084

Architects Amarchitects. Ltd Andrew Harvey Architects Arkitecture Ltd Axis Mason Limited Barnes & Collie Ltd BDK Architects Derek Mason Architects Ltd Design Plus Dyson & Bunesnel Architects Elliott Design Partnership Gallaher Architects Godel Architects Jane Faulkner Architects RIBA Julie Temple RIBA Michael Bravery Naish Waddington Architects LTD Nigel Biggar & Partners PAGE Architects Ltd Peter Winn Associates Ltd Richard Le Sueur Architects Ltd TSAssociates Vaughan Jelley & Son Wildbore Hands Ltd

Cleaners Clean Life 499506 JCF Cleaners Company Ltd 877694 JCOC 725211 Ace Cleaning LTD 888596

House Clearance Morley’s Clearances

529955

We’ve added 50% extra distribution of places by inserting 10,000 editions a month in gallery

June

JULY

AUG

SEP

OCT

736728 869291 852306 870137 733100 768740 880488 639773 880861 630868 724394 486050 74473 498176 631312 766788 731391 869054 874603 626876 481743 733535 605087

NOV

DEC

if you’re looking for property or looking to sell property, look into places; jersey’s dedicated property marketingplatform in print, online and now in gallery

Jersey’s independent property magazine

Building Contractors

25


theassociation. ES

TAT E

A

A

S

SO

EST 1965

N

TS

JER

EN

JEAAmembers

Y

G

SE

news from the Jersey Estate Agents’ Association

C I ATI

O

Indigo Estates

639955

www.indigo.je

EVERY LITTLE HELPS!

Bridle Estates

766999

www.bridle.je

Wilsons

877977

www.wilsons.je

words | Marcus Matthews & Shelagh Marett Joint Presidents, Jersey Estate Agents’ Association

Gaudin & Company

730341

www.gaudin.je

Crespel Properties

After one of the longest winters for many years together with the heavy snowfalls we experienced in Jersey, we have finally come out the other side and with the longer evenings what better time to get power washing the patio or pathway, trimming the hedges, mowing the lawn and touching up tired looking paintwork?

625569

www.crespel.co.uk

Choice Properties

620620

www.choicejersey.com

Moore Properties

If you are considering putting your property on the market or already have it on the market but can’t find a buyer then it is now worth considering doing whatever it takes to get that buyer across your door. First impressions are vital to any viewing, and no matter if the garden is beautifully lawned and shrubs blooming, the picture will be spoilt if the paint on the front door is peeling off or the porch is home to cobwebs and last autumn’s leaves!!! Take the time to walk down your front path as if you are a potential purchaser, and look at everything that they will see and if you find something that could look better with a bit of extra attention, take the time to address it. You would be surprised what is drawn to someone’s eye, which you may have ignored or not even noticed.

JERSEY’S INDEPENDENT PROPERTY MAGAZINE

This does not have to be an expensive operation and most people keep paint in their garage or garden shed for just such occasions. Power washing the patio or steps is a messy job but the result will look amazing when done and really does make all the difference. The same theory applies if you are living in an apartment and considering putting it on the market… check out the communal areas inside and outside and if there is anything that you can do to improve the first impression of a potential buyer, then take the time to do it.

Maillard’s Estates

737293

www.maillards.je

ND Estates

629009

www.ndestates.com

Savills

722227

www.savills.je

Quemard Properties

857065

www.quemardproperties.co.uk

Uniquely Flats

529000

www.uniquelyfl ats.je

Uniquely Houses

529555

www.uniquelyhouses.je

After all… every little helps!! The Jersey Estate Agents’ Association is committed to raising the standards in estate agency. For reliable information, please see our list of members on this page.

Member of the JEAA and not in Places? Call Ceri on 811100 to find out how you can be.

26

880544

www.mooreproperties.co.uk

The Jersey Estate Agents’ Association is committed to raising the standards in estate agency. For reliable information, please see our list of members above For information on becoming a member of the JEAA and benefits, please contact either Sheilagh Marett on 01534 529000 / shelagh@uniquelyflats.je or Marcus Matthews on 01534 722202 / marcus@indigo.je


Places 81  

The best place to find a place in Jersey - the local property portal, places.je

Read more
Read more
Similar to
Popular now
Just for you