Bermuda Property Matters

BERMUDA PROPERTY MATTERS

2024 Priceless

The complete guide to Island property for buyers and sellers

Latest home developments Top tips when buying Guide for first-time buyers Latest home developments Top tips when buying Guide for first-time buyers

NOW OPEN Sleeper’s Paradise - a division of Furniture Walk 7 Front Street, Hamilton | Open Monday-Saturday 10am-5pm | call: 292-5212 | www.furniturewalk.com

S H O P O N L I N E • I N - H O U S E F I N A N C I N G • I N - S TO C K I T E M S • M AT T R E S S GA L L E RY

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CONTENTS

5 Trending The latest home developments Published by Bermuda Media PO Box HM 2032 Hamilton HM HX Tel (441) 292-7279 E-Mail: hello@bm.bm www.bermudamedia.bm Publisher: Ian Coles Marketing Director: Lissa Fisher Art Director: Tim Parker Associated Media: Bermuda Business Visitor

7 Buyers Guide Getting your foot on the ladder 8 The Small Print A guide to purchasing

11 Legal Advice Local expertise is essential 12 Home Help Next generation products and services 15 Buying The step-by-step process 17 Best Properties Homes sure to be on your wish list

New Resident Guide Your Future Going Green Health & Beauty Building Bermuda House Garden Kitchen and Bath Your Office and Commercial Space The Bermuda Channel Diversity, Equality and Inclusion 4

Bermuda Property Matters 2024

#TRENDING

Pipeline to Somerset Bermuda Waterworks provides potable water through its pipeline distribution system that extends from Devonshire through parts of Hamilton and as far west as the intersection of Somerset Road and East Shore Road. It also sells bottled water under the Pure Water brand, produced by distillation - pure to the last drop.

Tel: 299-7873. Email: purewater@bwl.bm. www.bwl.bm.

BATH VANITIES

OUTDOOR RUGS Refresh your indoor and outdoor floor coverings with Laguna Collection rugs.

Simultaneously achieve the natural look of sisal and experience the durability of fade and mildew resistant polypropylene. Hamma Galleries: 292-8500, www.hammagalleries.com

Hamma’s in-stock vanities are readily available for owner-supplied bathroom projects. To view the styles selected from leading manufacturers, Alya Bath and James Martin Vanities, visit us online or in person. Hamma Galleries: 292-8500. www.hammagalleries.com

The future of a/c is here Gree’s new LIVO GEN4 has arrived in Bermuda. Boasting an impressive 20 SEER2 rating and equipped with WiFi modules for maximum comfort control. Beat the heat this summer with Gree.

Exclusively at HVAC Shack Ltd. Tel: 542-1033. Email: hvacshack@coldsnapservices.com. www.hvacbda.com

Bermuda Property Matters 2024

5

STRAP #TRENDING

Next generation climate control

As the first R-32 single-zone ductless air conditioning unit in North America, the Daikin Atmosphera combines comfort and function with a significantly reduced impact on the environment and increased energy efficiency, to offer a sophisticated climate control solution that helps the earth and lowers costs.

Available exclusively at AIRCARE. Tel: 292-7342. Email: info@aircare.bm. www.aircare.bm

Real wood, inside and out If you’re looking to add some colour to your home, look no further than Furniture Walk. With in-stock solid wood bedroom, dining and accent furniture available in a range of colours and price points, you are sure to find something to spruce up your living space. The unique style of these solid wood furniture pieces is characterised by the variety of materials used such as wrought iron, real copper and zinc, and exotic and sustainable woods including mango and parota wood. Antique, hand rubbed finishes make this line of furniture beautiful and something that will last for generations to come.

Shop in store, at 12 Harvey Road, Paget, or online at www.furniturewalk.com

Your best sleep ever At Sleeper’s Paradise we are focused on getting you your best night’s sleep. From your head to your toes, we’ve got you covered. Get a custom pillow fitting to make sure you have the right pillow for your sleep style and body type. Try our in-stock mattresses and adjustable bases.

And with same week delivery we will have you sleeping soundly in no time at all. Protect your new mattress investment with the best fitting and cooling mattress protectors, and top it all off with luxury sheets and bedding sets. At, we are bringing great sleep to Front Street.

Sleeper’s Paradise. 7 Front Street.

Online: www.furniturewalk.com/ sleepers-paradise/ 6

Bermuda Property Matters 2024

BUYER’S STRAP GUIDE

Getting a foot on the property ladder It has never been easy to buy a house in Bermuda, but very few have regretted taking this bold step to freedom

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reducing the mortgage principal. As you gradually reduce the outstanding loan balance, your equity increases.

It also increases as the value of your house appreciates.

It’s actually a form of savings.

Instead of putting money in a savings account, you are saving it in your home.

As such, it can be used as collateral for all kinds of further borrowing, such as making home improvements.

or most of us, real estate is (as the saying goes) the biggest single purchase of our lives, and there are, without doubt, some of the biggest and most daunting decisions to be made that you will ever face.

The reality is that very few people are able to afford their dream home as first-time home buyers, so try to be pragmatic and think of your first home as just a first step. What’s important is that one way or another, you get started on the property ladder.

Want a bargain? Then read on…

Renting vs buying

Let’s assume you’re now renting and planning to buy for the first time. A 20-year mortgage would enable you to own your home free and clear in 20 years.

Why take on such an onerous longterm commitment? For one thing, owning your home gives you control over your housing costs. If you’re renting now, you know that landlords like to raise their rents every year.

Meanwhile, mortgage payments remain stable, even if your monthly mortgage will probably be higher than the monthly rent on a comparable property for the first few years.

Owning a home also confers another distinct advantage: if necessary, you can sell it and collect the profit. But really, a house is much more than an investment — it’s your home. There are many wonderful feelings that come with owning a home. You gain control over your lifestyle. You will never have to move because a landlord is selling the building or raising the rent or doesn’t like your pets or your children. And you will have something meaningful to give to your children.

Just like with any other investment, ignore short-term ebbs and flows in Bermuda Property Matters 2024

value. Building your equity is a slow process. But you can decorate or improve your property any way you wish. And unlike a tenant, you benefit from the improvements you make: wise upgrades make the home more valuable. You will likely recoup most of the expense in the form of profit when you sell.

Building equity

In addition to pure price appreciation, you enjoy other financial benefits from owning your own home. One of the most important is the build-up of equity. Equity is the difference between the value of your home and the balance still payable on your mortgage.

Your equity builds each time you pay off on your mortgage. Part of every mortgage payment is applied toward

Prices have always been high for nice places in the central parishes. There is an ever-diminishing supply and a never-diminishing demand, therefore prices go up. So, broaden your search, and look at properties in Somerset or St. George’s. We suspect that you might stumble upon a pleasant surprise or two.

The fast ferries make commuting from the West End quick and convenient, and if you talk to anyone who lives in St. George’s or St. David’s they will tell you how wonderful it is to live in the East End. Fixer-uppers and run-down properties can sometimes seem like bargains but be wary and ensure you go into any transaction to purchase such a property with your eyes wide open. Unless you can do the bulk of the fixing up yourself, they can be too much trouble, and that trouble may be deeper than it looks. Expert advice is essential.

Another issue is that lending institutions are more likely to say yes to a property in reasonable condition.

It means that if the worst came to the worst, they could sell it without too much difficulty whereas a half-finished fixer-upper would probably remain a liability.

7

LEGAL ADVICE

When Purchasing Your Dream Home…

Denis de Frias provides a guide to help you buy your new home.

1. Get Your Finances in Order

• Preapproval: A mortgage charges the title of the property until repayment of the loan is complete, at which time the charge is released. It’s always best to start by making an appointment with a local lender to seek pre-approval for financing.

Confirm with your lender how long preapproval lasts for.

• Stamp Duty: The Government Stamp Duty charged on the transfer deed should be considered. Your attorney will prepare a mortgage deed; there are stamp duty and legal costs associated with this document, too, and these costs are the sole responsibility of the purchaser/borrower.

2. Find a Property Attorney

While purchasing a property can be a relatively straightforward transaction, each deal presents its own unique circumstances that require the guidance of professionals trained in the intricacies of buying/selling Bermuda property.

3. Background Checks

Know what you are actually purchasing.

• Property Condition: Bermuda is known for its proven construction methods; thus, buyers do not customarily request structural surveys. However, if the site is sloped, there is a possibility of termite infestation or outdated electrical and/or plumbing installations.

• Boundaries: Ensure that the seller restakes the property boundaries to ensure there are no encroachments or other discrepancies.

• Tenants: When purchasing a property that contains one or more units, verify: • If tenants are currently living in the property • Rent registered with the Rent Commissioner’s Office • There have been no illegal increases in rent and the history of tenant payments.

• Planning Search: A planning search is conducted to ensure that no property development has been made without

planning permission. This usually takes four weeks to be processed.

• Title Search: Your attorney will conduct a title search and will also search the Land Title Registrar’s Office and Supreme Court for any outstanding mortgages and judgments against the property, the seller, and predecessors in title.

Land Taxes: These are payable twice a year in equal instalments. The history of payments should be verified.

4. Sign on the Dotted Line: Once you have made an offer on the property, and it has been accepted, your attorney will review the sale and purchaseagreement and make any necessary amendments before you sign it.

Denis de Frias is a director of MJM Limited and is responsible for the firm’s property practice. Mr de Frias has more than 20 years of experience in a broad range of property transactions, including condominium development, complex financing structures and residential and commercial real estate sales and purchases.

Property Our property team is dedicated to providing pragmatic and responsive advice across a broad spectrum of residential and commercial property acquisitions and sales (freehold and leasehold), mortgages and other property related transactions.

We provide a full range of services to our property clients in the following areas: • Purchase and sale of Bermuda property

• Mortgages and secured lending

• Conveyancing for estate planning

• Residential and commercial conveyancing and leases

• Planning and development • Purchase and sale of hotel properties • Purchase and sale of local businesses involving commercial property • Condominium development • General property advice

MJM LIMITED

P.O. BOX HM 1564

TEL 441.292.1345

THISTLE HOUSE

HAMILTON HM FX

WEB www.mjm.bm

4 BURNABY STREET

BERMUDA

HAMILTON HM 11

8

For further information please contact:

Denis de Frias Stephanie Matthews Nathan Samuels Hil de Frias

BLOG www.bermudalawblog.bm

in linkedin.com/company/mjmlimited

Bermuda Property Matters 2024

Three-level 12-unit building offering four vistas

Private balconies

Spacious two-bed/two-bath apartments

Elevator access to each floor

1,400 Sq Ft.

Secure underground parking

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Bermuda Real Estate and Property Law

Buy, Sell or Lease Your Own Piece of Paradise.

Scan to learn more about our Bermuda Real Estate Practice.

conyers.com

LEGAL ADVICE Conyers can advise on any real estate deal on the island

Acquiring Bermuda real estate: experienced, local legal advice is critical

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uying real estate can be a complicated procedure, especially in Bermuda. Different rules apply for Bermudian and non-Bermudian purchasers and for different types of residential property. Also, because Bermuda has no title insurance, it is incumbent upon the purchaser to confirm the property title is in order. The assistance of an experienced local lawyer is essential in navigating the real estate rules and ensuring you will acquire good title to a property.

Bermuda is a small country with a limited supply of housing stock.

To preserve the majority of housing and undeveloped residential land for Bermudian ownership, the Bermuda Government puts restrictions on which properties are available for purchase by foreigners.

The majority of non-Bermudians are limited to purchasing in developments linked to hotels or houses or condos at the upper end of the real estate market.

Whether or not freehold houses or leasehold condos which are not within a hotel development are available for

Bermuda Property Matters 2024

purchase by foreigners is determined by their “annual rental value” (ARV), which is a valuation ascribed by the Bermuda Government. Under the regulations, last updated in 2016, only houses with an ARV above BM$126,000 and condos with an ARV above BM$25,800 qualify for foreign ownership.

All non-Bermudians require a licence issued by the Bermuda Government before they are granted permission to buy a property. The application, which must relate to a specific property, generally takes between six and eight weeks to approve. The advice of a Bermuda lawyer who is familiar with the law relating to non-Bermudian purchasers and with the licence application process can save much time and ensure the purchase goes smoothly.

With more than 75 years of experience in the Bermuda property market, Conyers can advise on any real estate deal on the island, whether standard or complex, residential or commercial. Our clients range from local home owners to international property developers.

We have extensive experience working

on large residential, commercial, condominium, hotel and resort property deals in Bermuda.

Our attorneys also have a wealth of experience in all kinds of property financing, including residential and commercial mortgages and project financing. We work with all major banks in Bermuda and act extensively for both lenders and borrowers. And should the need for litigation arise, we can handle all aspects of civil and commercial arbitration and litigation in connection with residential or commercial property.

Conyers Real Estate and Property Law Team Francesca S. Fox, Director francesca.fox@conyers.com +1 441 278 7989 Cynthia M. Millett, Counsel cynthia.millett@conyers.com +1 441 298 7898 Oliver Goodwin, Senior Associate oliver.goodwin@conyers.com +1 441 278 7996

11

ENVIRONMENT

Prioritise the planet Conserve energy with Gree High SEER air conditioning

I

n a world where energy conservation is of paramount importance, investing in Gree High SEER2 (Seasonal Energy Efficiency Ratio) air conditioning systems can be a game-changer. Gree air conditioning systems are designed with advanced technology to maximise energy efficiency, and with a minimum SEER rating of 20 or higher, these units consume significantly less electricity compared to conventional models.

By way of comparison, implementation of a minimum SEER2 rating of 15 in the US is estimated to equate to a national saving

of between $2.5 to $12.5 billion over the next 20 years, according to the Department

of Energy in 2023.

By reducing energy consumption through High

SEER air conditioning and implementing other conservation measures, such as the Bermuda Zoological Micro Forest project, we can inspire a ripple effect of change. Leading by example, organisations can encourage others to adopt sustainable practices. GREE distributor, HVAC Shack Ltd (Hvacbda. com), and Bermuda Zoological Society (bamz. org), are actively taking steps to embrace this change.

In prioritising energy conservation, we are not only safeguarding the environment and reducing costs in the present, but we are also laying the groundwork for a better future for our children. So, the next time you consider air conditioning, think about the positive impact you can make, “Buy Gree, plant a tree.”

As Bermuda's #1 bu 1om7bঞom;u Distributor, we at HVAC Shack Ltd. understand the importance of preserving the environment, and the consumer concerns about climate change. This year, we have partnered with the Bermuda Zoological Society [BZS] on their Micro ou;v| uof;1| bv -m ;@ou| |o u;Ŋ7; ;Ѵor Bermuda's original ecosystem and provide bmmo -ঞ ; voѴ ঞomv |o 1ol0-| 1Ѵbl-|; change. End users of GREE -bu 1om7bঞom;uv 1-m _- ; - Ѵ-vঞm]ķ rovbঞ ; blr-1| om o u environment, community and planet.

542-1033 hvacshack@coldsnapservices.com

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7 Camphill Road, Warwick. WK03 4 Canal Lane, Pembroke, HM02

Bermuda Property Matters 2024

CLEANING

How clean is your home?

N

ow, more than ever, it’s important to not let your maintenance priorities slip. COVID-19 has made the need for cleaning services more critical than ever. If you want a home that is safe, clean and inviting, professional cleaning can help.

Cleaning can help against viral infections

Of course, this is something you were aware of even before the pandemic turned our world upside down. COVID-19 continues to keep us on our toes and you should do all you can to keep your home a healthy place to live.

Professional cleaning uses latest products

It’s hard to keep up with all the new products available to ensure your home is perfectly clean, but luckily, this isn’t something you have to struggle with.

Professionals always keep up with all the practices and protocols required for high quality cleaning and disinfection.

Commercial cleaners can provide the detailed and complete disinfection of your home that will create a healthy, safe space.

Atlantic Cleaning & Maintenance Ltd., can provide the services you need

to keep your home clean and safe.

Most importantly, it does it quickly and effectively, meaning this is one item you can immediately check off your to do list, and spend more time doing what you enjoy doing. Atlantic Cleaning & Maintenance Ltd. (441) 236-4051.

Email info@atlanticcleaning.bm.

Atlantic Cleaning and Maintenance Ltd. is an exceptional 2A88 ?1>B5/1 6-:5@;>5-8 /;9<-:E ;Ŋ1>5:3 - C501 >-:31 ;2 professional commercial and residential services.

• Residential Cleaning • Commercial Cleaning • Office Cleaning • Post Construction Cleaning aning • Comprehensive Floor Care • Carpet Steam Cleaningg • Mold Treatment • Window Cleaning

Bermuda Property Matters 2024

• Fire & Water Damage • Water Extraction • Custodial Services • Upholstery & Drapery • Automotive & Marine • Pressure Washing • Maid Services

441-236-4051 | 441-333-4050 info@atlanticcleaning.bm | www.AtlanticCleaning.bm

13

ENVIRONMENT

Bottled Water that’s Better for Bermuda Bermuda Waterworks explains why its bottled water is an excellent choice for those concerned about our environment

T

he bottled water industry was going green long before the term became popular.

Through its home and office segment, the industry has demonstrated a significant impact on reducing pollution through the repeated use of its bottles until their life cycle is completed.

Bermuda Waterworks manufactures bottled water in reusable 3- and 5-gallon containers. The company repurchases used bottles in

Drink More Water Pure Water is great tasting and an environmentally responsible choice.

It is essential to get proper hydration to maintain your body’s mental and physical performance.

VENDING MACHINE IS OPEN 24 HOURS

A DIVISION OF BERMUDA WATERWORKS LIMITED

14

MAKE SURE YOU BRING YOUR BOTTLE CAP!

order to encourage clients to return them in good condition for a full credit on their next transaction.

Empty bottles should only be refilled with Pure Water.

They are not meant to hold trash or other liquids such as drink mixes — a popular choice at picnics. A bottle that has been used for drink mix cannot be reused by Bermuda Waterworks. The company encourages clients to contact them if they need rejected bottles for any sports or fundraising events.

Bermuda Waterworks’ most popular water cooler is Energy Star rated. These coolers help residents and businesses reduce their energy bills, and can help make a difference for the environment. This is because products that earn the Energy Star prevent greenhouse gas emissions by meeting strict energy efficiency guidelines set by

the US Environmental and Protection Agency.

These energy efficient coolers are available in room temperature/cold and hot/ cold models. The company also sells water-dispensing equipment that do not require any electricity. There is the very popular dolphin pump, where water is manually pumped out of the bottle. There is also the compact cradle and valve that sit perfectly on any counter.

The ceramic crockpot is another decorative option. All of these models dispense water at a pleasant room temperature.

Bermuda Waterworks also provides piped metered water, 100% of which is manufactured by reverse osmosis. This process requires electricity. However, over time, new and energyefficient equipment has been installed in order to reduce our consumption of fossil fuels. The company encourages residents to use its utility water wisely as a top-up supply. A new self service vending machine has been installed. It dispenses Pure Water and Pure Ice. Clients can bring their reusable empty bottles and purchase water.

Clients can even reuse their cap if they wish. Going green made easier with budget friendly options.

For more than 85 years, Bermuda Waterworks has manufactured water to meet the island’s growing needs.

The company will continue to do its part in making water production as green and efficient as possible.

Bermuda Property Matters 2024

FINANCIAL ADVICE

Buying your own home is an exciting time.

But there’s lots to think about.

From saving for a deposit, to finding a home, making an offer and securing the deal, here’s a guide to help you through the process.

1. Build up your savings

The first step to getting your dream home is having sufficient funds. If you don’t have enough for a deposit, make a savings plan. You can also create a budget to see where you can cut back and save more.

It’s a good idea to save as much as you can when planning to buy a home because: • a larger deposit may help you reduce your monthly repayments • you will need money to cover the costs of buying a property such as stamp duty, conveyancer’s fees, and moving • your savings can help you furnish or complete work on your new home

Need help with your savings plan? Book an appointment with an HSBC wealth specialist. Visit: www.hsbc.bm/wealth/ financial-planning.

2. Get an idea of what you can afford

It is then important to get a rough estimate of how much you could borrow for a mortgage to give you an idea of the type of property and location you could afford. It may also help you work out how much you’ll need to save for a deposit.

Try HSBC’s free online mortgage calculator to see how much you may be able to borrow. Visit www.hsbc.bm/ mortgages/calculators.

3. Know what type of property you’re looking for

Take some time to think about what is important in a home versus what you’d like. This will help you narrow down your search when it comes to looking at properties. For example: What is important

What you would like

At least 2 bedrooms

Ideally 3 bedrooms

Outdoor space for dog

Private garden

Close to town

Water views

When making your list, think about your long-term needs. For example, if you’re hoping to start a family, finding a place with room to expand may mean that Bermuda Property Matters 2024

you won’t have to sell to buy a bigger place in the future.

Location is also important. Visit different areas to get an idea of what it would be like to live there and what areas you can afford to buy in.

The mortgage application process can take a few weeks. It involves detailed checks of your finances and your lender may want to conduct its own valuation on the property you want to buy. If your mortgage application is approved, your lender will send you an offer.

4. Get a Pre-Approval Letter

A Pre-Approval Letter – also known as an Agreement in Principle – gives you a clear idea of how much you could borrow based on your circumstances. It usually involves a verification of income and savings towards down payment.

A Pre-Approval Letter is not a guarantee that your mortgage application will be accepted, but it can help you understand your options and what you may be able to afford. It also shows real estate agents that you’re serious about buying a property.

HSBC aims to confirm your preapproval on the same day that you apply.

It is free and valid for 90 days. To learn more visit: www.hsbc.bm/mortgages/ preapproval.

5. Find the right home and make an offer

With your list of requirements in hand it’s time to contact real estate agents, search for properties and arrange viewings.

It may take some time, but when you find a property you want, deciding on the right price to offer can be exciting and scary. From asking the right questions to negotiating tactics, get tips on how to make an offer on a property.

If your final offer is accepted – congratulations. If not, keep looking – your new home, at a price you’re happy with, could be just around the corner.

6. Apply for a mortgage

Once your offer has been accepted on the property, you can apply for a mortgage.

There are different types of mortgages to choose from. The one for you will depend on your financial situation, future plans and the type of property you’re buying.

7. Carry out the legal work

There will be legal work involved with buying a property which is carried out by a lawyer. Typically mortgages close within 30 days of sign off and there will be costs involved.

Among other tasks, a lawyer will typically: • check the legal title to the property • manage the chain for exchange of contracts and completion • collect and transfer money including Stamp Duty (if payable) • carry out property searches to check for any environmental or planning issues that might affect the property’s value 8. Exchange contracts and agree a completion date

The exchange of contracts is when lawyers swap signed contracts on behalf of you and the seller. It’s also when they’ll ask you to transfer your deposit over to them.

When you exchange contracts – you’re legally bound to buy the property. You will need buildings insurance in place at this point.

Home Buildings insurance protects you against the cost of repairing or rebuilding your home from scratch, should it get damaged from an insured risk, so it’s important to consider getting the cover you need. Let HSBC Insurance protect your home and property. To request a free, no obligation insurance quote visit www.hsbc.bm/insurance/products/homebuildings-insurance.

Exchanging contracts is a big milestone, when you can do a celebratory dance.

This is when you can pick up the keys to your new home and give yourself a pat on the back.

15

ENVIRONMENT

Your guide to efficient air conditioning AIRCARE provides the most efficient technology to cool you – and the planet

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our HVAC system is most likely your home’s largest consumer of energy, which increases costs and can impact the environment. However, with careful thought, planning and action, you can ensure your climate control products are as energy efficient and environmentally friendly as possible.

Some of the key factors to consider are as follows: Install Energy Efficient Systems

Replacing/Installing heating and cooling equipment with modern, energy efficient equipment can reduce energy use by as much as 50%, in addition to significantly reducing unnecessary CO2 emissions. Homeowners can check for the following energy efficiency ratings prior to purchasing an HVAC system for their home: 1. Seasonal Energy Efficiency Ratio/ Rating (SEER): the cooling output of an air conditioner over a typical cooling season, divided by the energy it uses in Watt-hours.

2. Heating Seasonal Performance Factor Rating (HSPF): the total heat delivered by the device during normal usage divided by the amount of electricity it takes to deliver that heat.

3. Energy Efficiency Ratio (EER): the air conditioner’s capacity is divided by the air conditioner’s power based on a fixed set of conditions (outdoor temperature, indoor temperature, and relative humidity).

The higher the energy rating, the more energy efficient the unit. Energy ratings can be provided for each system supported by AIRCARE to ensure you know the efficiency of the system you are purchasing.

Setting Energy Efficient Temperatures

Setting HVAC systems to an optimal, energy efficient temperature – such as 780F in the summer and 680F in the 16

winter – will ensure that you’re heating and cooling systems are not wasting energy and money or emitting extra, unnecessary greenhouse gases.

Regular Preventative Maintenance

To ensure your HVAC system is running at optimal efficiency, a regularly scheduled maintenance plan should be developed and executed. The plan will ensure your system’s longevity and efficiency along with ensuring your system is as friendly to the environment as possible.

At AIRCARE, we take a proactive approach through the development of a preventative maintenance plan to ensure your investments continue to work efficiently, to minimise potential issues before they become large, expensive repairs and to save you time, money, and worry in the long run.

AIRCARE offers a range of energy efficient, proven, effective air purification products and services to significantly reduce the harmful pollutants in your

home, in addition to the latest energy efficient HVAC systems from the world’s leading manufacturers including Daikin and Midea.

In order to maximise efficiency, AIRCARE works with you to determine your needs and takes a measured approach that includes preventative maintenance, energy audits and recommendations, integrated system design, installation, testing and energy management and automation systems.

Once a system has been agreed, AIRCARE technicians can take care of full system installation, management, testing, create custom controls, alarms and notifications and provide detailed energy usage analysis and reports to demonstrate cost savings and improved indoor air quality and comfort.

For more information on how to improve heating and cooling efficiency, indoor air quality and ultimately lower costs, visit www.aircare.bm or call 2927342 to arrange a consultation.

Bermuda Property Matters 2024

BEST PROPERTIES STRAP

Sandcastle on the beach This architectural gem overlooks the pristine turquoise waters of the South Shore, with a ten-minute drive to Hamilton. Enjoy morning swims, evening bonfires on the beach with friends, and perhaps even kayaking or spearfishing in the waters off Marley Beach.

Bermuda Property Matters 2024

Sandcastle is a new development, constructed in 2015, and situated on its own private beach, known as Marley Beach. Nestled between Astwood Park and Southlands Nature Reserve, Marley Beach is one of the most beautiful, unencumbered, and peaceful private

beaches in Bermuda.

Be inspired by watching the spectacular sunrise over the ocean each morning, on display from the master bedroom and balcony. Relax in the evenings with the tranquil sounds of gentle ocean waves breaking on the beach. To own Sandcastle is to own a piece of paradise. www.sandcastlebermuda.com 17

BEST PROPERTIES

Build Your Dream This Elevated 0.353 acre lot, with stunning views of the Great Sound, has approved plans.

Ideal location with nearby amenities, Fairmont Southampton Princess Golf Course, tennis, restaurants, spa, beaches, Gibbs 18

Hill Lighthouse, grocery stores and schools.

Located in a great neighborhood on Riviera Road, Southampton, with residential 1 zoning. $395,000 Bermuda Longtail Real Estate. Cecilia ‘Cesa’ Edwards.

Tel: 232-2769 or 535-2769.

Email: cesa@bermudalongtail.com. www.bermudalongtailrealestate.com Bermuda Property Matters 2024

BEST PROPERTIES

Immaculate Bermuda cottage A wonderful 3-bedroom, 1 bathroom cottage with character, overlooking the North Shore, with cellar below.

This cottage has been beautifully restored, with new floors, new kitchen cabinets and corian counter tops, new paint in and out, electrical, plumbing renewed in 2005 and much more.

The living room leads out to a quaint garden; there is dining/kitchen combination, laundry with washing machine, 3 cozy bedrooms, and 1 full bathroom.

An added bonuses are the cellar and an exterior shed.

Minutes from Hamilton and The Berkeley Institute. $430,000.

Bermuda Longtail Real Estate.

Cecilia ‘Cesa’ Edwards. Tel: 232-2769 or 535-2769.

Email: cesa@bermudalongtail.com. www.bermudalongtailrealestate.com

Queen’s Club

Commercial Property for sale: A landmark Hamilton property at the corner of Cedar Avenue and Victoria Street, overlooking Victoria Park. Currently configured as restaurant, bar, small gym and 2 apartments. 6,300 sq. ft. of interior space. Lot size of 100’ by 83’. Immense development potential. $1,850,000.

Crisson & Co. Ltd. Real Estate. Herb Crisson.

Tel: 734-7000. Email: hcrisson@crissonrealestate.com. www.crissonrealestate.com

Bermuda Property Matters 2024

19

BEST PROPERTIES

Waterfront Cottage for rent Waterfront cottage on Hamilton Harbour with dock in delightful neighbourhood close to Hamilton.

Very quaint, charming 1 bedroom cottage. Furnished. Very private setting $3,000 per month. Flexible start date but a maximum of 6 months only.

Crisson & Co. Ltd. Real Estate.

Jennifer Benevides.

Tel: 505:7732 Email: jbenevides@crissonrealestate.com. www.crissonrealestate.com

Private waterfront estate

Crestwood, located in Shaw Wood, Pembroke is a 3 bedroom home, with a 1 bedroom guest cottage built at the crest of the property with views of the Great Sound, Dockyard and far beyond. 2 acres of grounds include a private dock on Green Bay. There is an option to purchase an adjoining lot. $4,850,000.

Crisson & Co. Ltd. Real Estate. Herb Crisson. Tel: 734-7000. Email: hcrisson@crissonrealestate.com. www.crissonrealestate.com

20

Bermuda Property Matters 2024

BEST PROPERTIES

Stunning ocean views Nestled on a clifftop setting in Southampton parish, The Mara is a unique property with absolutely stunning views of the ocean. This 3/4 bed house has a very private location and it’s own private staircase that gives access to a secluded low tide beach.

The outdoor dining area looks over the infinity pool and on to the breathtaking views. The house has Spanish influences with terracotta floors and the large living room boasts a huge stone fire place. The kitchen area is large and equipped with the latest modern appliances which leads to an indoor dining area with more spectacular views.

There are 3 bedrooms, all ensuite, and also a pool house-studio with full kitchen that could generate an additional income.

The Mara is a unique property in many ways. $1,795,000.

The Property Group. Tommy Stratton.

Tel: 337-5073. Email: tommy@tpg.bm. www.property-group.com

Looking to rent or buy?

Call +1 (441) 535-2769 today!

Cesa Edwards Real Estate Broker Bermuda Longtail Real Estate Ltd SALES & RENTALS

Email: cesa@bermudalongtail.bm www.bermudalongtailrealestate.com Bermuda Property Matters 2023

21

BEST PROPERTIES

Hemyock Nestled in the quiet and peaceful Zuill’s Park Drive in Smiths is Hemyock.

This home is a must see. It has a ton of investment potential, due to having 3 apartments. Currently a 2 bedroom, 2 bath main house upstairs, and beside this is a one bedroom one

bath apartment leading to an amazing side verandah. Down a few steps is the lower 1 bedroom, 1 bath apartment, that shares a wonderful little art studio, office, or gym.

There is lots of storage space in this home — ample for each unit and even a large space downstairs which has a full laundry and office space.

With amazing views of the South Shore and towering above other homes in

this neighborhood, Hemyock offers quiet and peaceful living.

Built in the early 1970’s with upgraded appliances, newly paved driveway, a/c units in every room, and manicured landscaping, this home is truly special. $1,950,000 Keller Williams Bermuda.

Buddy Fleming. Tel: 799-6943.

Buddy.fleming@kwbermuda.com. www.kwbermuda.com

Opportunity of a lifetime This stunning land at Riddell’s Bay Garden’s, set on 0.96 of an acre, rolling over a gentle slope, is north facing, with water views towards the Great Sound, and the 64 acre wonder of Riddell’s Bay Gardens nature reserve behind, to the south.

It comes with a full set of beautifully designed Botelho Wood plans for a 4 bedroom, 4.5 bathroom home, with planning permission and a building permit - get ready to build your dream home. These plans include detailed drawings of a stunning, professionally designed chef ’s kitchen, pantry and utility room, hvac quotes and two solar quotes. $1,550,000.

The Property Group. William Kempe. Tel: 777-9449.

Email: william@tpg.bm. www.property-group.com 22

Bermuda Property Matters 2024

BEST PROPERTIES

Pinkhouse Cottage Perched on an elevated lot with no other surrounding properties this well-maintained house is ‘move-in’ ready. The upper main house has a separate driveway from the lower 1 bedroom apartment.

The upper unit has a very spacious kitchen/dining area, lots of modern wood cabinets, hard surface counter tops tiled floors and stainless steel fridge, stove, microwave, and wine fridge. The separate living room has wood flooring; the large sliding door which leads to a balcony has fantastic overland and ocean views.

The 2 bedrooms with wood flooring are at opposite ends of the hallway with the 1 full bathroom conveniently located in the middle. The garden area is ideal for relaxing and entertaining.

There is a separate exterior laundry room with washer and dryer and some room for storage.

The lower 1 bed apartment is light and airy with a covered porch, overlooking the garden. The kitchen has major appliances and a small sitting area. The full bathroom is in the hallway.

This cute, private apartment is tiled throughout and has outside storage. $625,000.

Keller Williams Bermuda. Frederica Forth. Tel: 536-0194.

Frederica.Forth@kwbermuda.com. www.kwbermuda.com

On the Waterfront Spectacular waterfront home with infinity pool, pool deck, hot tub, pool cottage and double car garage centrally located off South Shore Road, Smith’s Parish.

Beautiful white gates and courtyard make a stunning entry to this majestic 5,200 sq. ft. home, with studio cottage. There are 6 spacious bedrooms and 4 ½ bathrooms (3 ensuite). The one-bedroom guest cottage has a mini kitchen, bath, and outdoor shower.

Features include a newly designed kitchen with breakfast nook, dining room, living room with gas fireplace, family room, 2 ensuite bedrooms with baths, laundry, and covered exterior porches.

The upper level hosts the primary bedroom, with a cathedral style ceiling and gas fireplace, and opens out to a covered terrace and ocean views. There is also a bathroom ensuite and lady’s and gentleman’s dressing rooms. There are 2 further bedrooms on this floor with a full bathroom between them. Plus, an office that can easily be converted into a 7th bedroom if required.

Available to Bermudians, PRC Holders and International Purchasers. $4,250,000 Bermuda Longtail Real Estate. Cecilia ‘Cesa’ Edwards.

Tel: 232-2769 or 535-2769.

Email: cesa@bermudalongtail.com. www.bermudalongtailrealestate.com Bermuda Property Matters 2024

23

BEST PROPERTIES

The Promise Welcome to The Promise, a lovely home in a peaceful neighborhood with beautiful overland views. The main house has 2 bedrooms, a modern bathroom, gorgeous wide plank wood floors and cedar trim throughout. The eat-in kitchen

24

is tastefully designed with lovely wood cabinets. The living room leads out to the patio, great for relaxing, with distant views of Belmont golf course. The home is surrounded by a large lawn, great for entertaining, gardening and plenty of room for children to play. There is a 1 bedroom, 1 bathroom apartment for

additional income. Plenty of room for expansion for a growing family. Close proximity to the railway trail, parks, and South Shore beaches. $950,000.

Keller Williams Bermuda.

Calvina Guishard. Tel: 595-3080.

Calvina.guishard@kwbermuda.com. www.kwbermuda.com

Bermuda Property Matters 2024

BEST PROPERTIES

St. George’s waterfront This is a traditional two-story single-family home, with 3 bedrooms, 3 bathrooms, a large foyer, an upper mezzanine/ office, kitchen, breakfast nook, living room, and a den on the lower floor. One of the ground floor bedrooms has been converted into an office; the master bedroom has a large ensuite

bathroom and on the lower level is the third bedroom and third bathroom. Both the lower and upper floors have large balconies overlooking the ocean, and there is a pool. The property was extensively renovated, and additions were made approximately 20 years ago.

Keller Williams Bermuda. Belcario Thomas. Tel: 737-2355. belcario.thomas@kwbermuda.com. www.kwbermuda.com

Multi-dwelling home This modern dwelling is a stunning 5-unit apartment building located near the iconic Gibbs Hill Lighthouse in Southampton. Two of the units have breathtaking ocean and overland views, proximity to the beach and bus route, and ample space for guests. This property is the perfect place for an Airbnb rental or a family compound.

The main house features three spacious bedrooms and three bathrooms.

In addition, there are four apartments (a two bedroom apartment, and three studios) each with their own private entrance, making it an ideal property for vacation, or long term rentals.

The building sits on a large 0.629-acre lot, and is just a short walk from the beach.

This apartment building is designed with modern aesthetics in mind, featuring sleek finishes and high-quality materials throughout. The open-plan living areas are filled with natural light, creating a warm and welcoming atmosphere. Large windows provide stunning views of the ocean and landscape. $2,450,000.

Bermuda Longtail Real Estate. Cecilia ‘Cesa’ Edwards.

Tel: 232-2769 or 535-2769.

Email: cesa@bermudalongtail.com. www.bermudalongtailrealestate.com Bermuda Property Matters 2024

25

BEST PROPERTIES

Privacy and seclusion This 9-year young, 1,300 sq. ft. 2 bedroom, 2 bath home has all the privacy and seclusion you could possibly want. It sits on not 1 but 2 lots, with a total acreage of 0.542. This extremely adorable and move-in ready home offers a fully-equipped kitchen, a/c throughout and washer/dryer, making this such an easy move. This home is within walking distance of Cavello and Watford ferries, the bus route, a bank, carryout food and a pharmacy. To make life even easier, the owner is willing to sell the furniture. Check out the virtual tour at www.kimsheenproperties.bm and see for yourself this amazing and delightful home.

Kim Sheen Properties. Tel: 734-1264. kim@kimsheenproperties.bm. www.kimsheenproperties.bm 26

Bermuda Property Matters 2023

BEST PROPERTIES

Atlanta-by-the-Sea This superior property situated in the heart of Bermuda’s prestigious Tucker’s Town, showcases the beautiful 4-bedroom ”Atlanta-by-the-Sea” main house and its charming 4 bedroom guest cottage, “Jolly Roger”. Both are meticulously maintained and ready to move in. You are just a short walk from the Mid Ocean Club with its award winning golf course, tennis courts and pink sand beaches, and nearby are Rosewood’s Tucker’s Point hotel, golf course and clubhouse and its tennis courts, private beach club and restaurants.

Built within 2.2 acres of immaculately groomed gardens Atlanta-by-the-Sea and Jolly Roger are connected by a pathway alongside the stunning pool and pool patio. The main house overlooks the idyllic Tucker’s Town Bay and enjoys spectacular views of Castle Harbour from many rooms and patios. Upon entering

Bermuda Property Matters 2024

this elegant 4-bedroom home the formal living room welcomes you with beautiful water views, a lovely fireplace and adjacent wet bar which leads to the adjoining covered patio, finished with a bright Italian tile theme and perfect for entertaining or relaxing as you enjoy the stunning views. On this same upper level are the spacious master bedroom with large his and hers closets and beautifully appointed bathroom. In a separate section are two guest bedrooms, each with bathroom en suite and doors with plantation shutters leading to a peaceful walled private garden with large shade tree. The level below features the formal dining room with patio and lovely views, a large, bright kitchen and breakfast room plus the family games and TV room as well as a peaceful library/sitting room with its own guest bathroom. On

the lower level, in addition to the grand and quiet office which is connected to the upstairs by a spiral staircase, are located the laundry, exercise room, housekeeper’s bedroom, bathroom and a workshop. There are many special features throughout, including wood floors and specially selected Italian tile and marble.

There is central air conditioning, a two car garage and an adjacent garage for a golf cart. The 4-bedroom Jolly Roger guest cottage is a stroll through the beautiful groomed garden or accessed by its own driveway and comprises a lovely guest bedroom suite with breezeway connecting to a separate, spacious recreation room with cedar beams and fireplace. In the adjoining wing, there are a further 3 bedrooms and 2 bathrooms. This property is a must see for the discerning buyer.

The price is in US dollars. $9,500,000.00 The Property Group. Vicky Hamshere, Tel: 295-2412, Email: vicky@tpg.bm. www.property-group.com

27

BEST PROPERTIES

5 bedroom condo This rare unit is perfectly situated in the St. James Court complex in Flatt’s Village, with westerly views towards the ocean over the pools and northeastern aspect towards Flatt’s inlet and Harrington Sound.

A truly grand apartment with a renovated kitchen, a passthrough to the large open plan living, dining room, tv room or study with a stylish bar, five bedrooms or four bedrooms plus a separate office, and three separate porches, all with stunning water vistas. AC, ceiling fans, separate laundry room, all new

South Views Exceptional multi-dwelling , with ocean and overland views of South Shore and Gibbs Hill Lighthouse. The 5 dwellings sit on 0.629 acres in a lovely, peaceful neighborhood. Excellent opportunity for buyers looking for an investment property, previously rented as Airbnb. Also great for a large family looking to reside on the entire estate.

Private driveway leads to the upper 28

flooring — Korlock by Karndean. Large internal storage room, plus double external storage areas in front of your two covered parking spots, two swimming pools, dock access and moorings possible.

All set in picturesque Flatt’s Village with the Village Pantry and the Food Hub across the street, Rustico’s a minute’s walk away. Easy access to the Aquarium, beaches, Harrington Sound and the railway trail. 12 minutes to Hamilton, 12 minutes to the airport. $2,300,000 The Property Group. William Kempe. Tel: 777-9449 Email: william@tpg.bm. www.property-group.com

main 3 bedroom, 3 bath home. The foyer leads to an eat-in kitchen, formal dining room and living area. The expansive living room has a fireplace with plenty of natural light and a few steps to the substantial lawn great for entertaining.

Plenty of room to add a pool. There are 3 spacious bedrooms. The primary bedroom has an ensuite bath and a private patio with views of the ocean & lighthouse. Lower level includes a 2 bed, 1 bath, plus a studio, both with private

lawn. On the same level there is another detached studio. An additional detached studio is on an elevated level allowing for spectacular views, private lawn, and driveway.

Close proximity to restaurants, beaches, schools, and golf course. An amazing property not to be missed. $2,450,000 Keller Williams Bermuda.

Calvina Guishard. Tel: 595-3080.

Calvina.guishard@kwbermuda.com. www.kwbermuda.com Bermuda Property Matters 2024

BEST PROPERTIES

Riddell’s Bay Private Valley A wonderful opportunity to build your dream home on this 2.9 acres of land; zoned Residential 2. Part of the southern portion has an agricultural overlay, and other business opportunities are available.

This secluded valley in the Riddell’s Bay area is a mostly south facing lot, with something of almost everything. A very gentle sloping, fertile center, firm stone around secure boundaries for building or quarrying, grand 100+ year old trees, and a subtropical forest area. There’s enough land to spread out with picnic areas, gazebos, and horse jumps, and is excellent for income due to possible energy sales.

Bermuda Property Matters 2024

It could be envisioned to have a boutique garden bed and breakfast, or green community that makes the most of the Riddell’s Bay views to the northwest, the green energy possibilities, the former well for water demand, and the steep hill to the south for a waterfall feature, with winding paths for residents to have solace.

Title is guaranteed by The Government of Bermuda through the Land Title Registration Office (LTRO) being registered as “Absolute Title”. Because this lot is registered already the sales process is easy and simple. Priced at $995,000.00.

The Property Group. Lisa Fraser-Smith. Tel: 705-1807.

Email: lisa@tpg.bm. www.property-group.com 29

STRAPPROPERTIES BEST

Tucker’s Town Beach Front Fabulous beach front property in Tucker’s Town with more than 5,000 sq. ft. of living space. This beautiful house has five bedrooms, each with its own newly renovated ensuite bathroom, large living room and dining room, modern kitchen, sunroom, and a lovely, large, covered verandah overlooking the South Shore. The home is very spacious and has spectacular views, and 30

direct access to the beach from the pool patio.

Situated just a 5-minute drive from the renowned Mid Ocean Club and Tucker’s Point Club and their amenities, 15 minutes from Hamilton and 15 minutes from the airport.

The Property Group. Gill Butterfield. Tel. 534-7746.

Email: gill@tpg.bm. www.property-group.com Bermuda Property Matters 2024

KEY CONTACTS

Building, Interior Design, Decorating Services & Furniture Stores Anslie’s Interior Decor Cindy Laws, Interior Design Specialist

info@ainslies.com

www.ainsliesdecorbermuda.com

info@aircare.bm

www.aircare.bm

Custom Draperies & Upholstery, Fabrics, Kirsch Rods & Poles

AIRCARE Ltd Evergreen Landscaping First Class Air-Conditioning Ltd Furniture Walk GL Construction Hamma Galleries HVAC Shack Intelligent Automation Solutions Island Glass Ltd OBM International

236-9993

292-7342 Manuel Pimentel

293-8817

evergreenlimited@outlook.com

Shawn Simons Laura Smith-Mayne Gilbert Lopes Interior Design, Furniture Wayne Clapham Matt Walker

333-3603 292-5209 799-4565 292-8500 747-7627 293-4887 295-5134

firstclass.air2@hotmail.com laurasmith@furniturewalk.bm glconstruction@northrock.bm info@hamma.bm hvacshack@coldsnapservices.com info@intelligentautomation.bm sales@islandglass.bm

278-3550 296-9524 292-8453 293-8817 337-1168

bermuda@obmi.com Terry@pandmelectric.com sales@pts.bm pimentelpools@outlook.com mrosspainting@gmail.com

bermuda.obmi.com

P&M Electrical Pembroke Tile & Stone Pimentel Pools Ross Painting

Architecture, Interior Design & Landscape Architecture Terry Corday, Sr., Pres/Owner.

Zachary Simmons Manuel Pimentel Michael Ross

Lawyers Conyers Marshall Diel & Myers Limited MJM Ltd Moniz & George Ltd.

Francesca Fox, Director Darren Donnithorne Denis de Frias Kevin M George

278-7989 295-7105 292-1345 295-8607

Francesca.Fox@conyers.com Darren.Donnithorne@law.bm ddefrias@mjm.bm kgeorge@mglaw.bm

www.conyers.com www.law.bm www.mjm.bm

Mortgages HSBC Bermuda Real Estate Bermuda Longtail Real Estate Ltd Crisson & Co Real Estate Harbour Realty Ltd. Joy Lusher Real Estate Keller Williams Bermuda Kim Sheen Properties MainPoint Real Estate McInnis & Associates The Property Group Ltd Real Estate Appraiser MainPoint Real Estate

www.hammagalleries.com www.hvacbda.com www.iasbda.com www.islandglass.bm

www.pts.bm

Personal Banking Personal Lending

299-5959 (option 1) 299-5959 (option 5)

Cesa Edwards Herb Crisson Jonelle Smith Sue Lusher Albert Moura Kim Sheen Erna DeGraff Heather McInnis Brittany Archer Sally Ann Smith

232-2769 734-7000 333-35374 333-9138 236-0737 734-1264 296-0984, 335-0984 737-5753 505-1466 535-4521

www.bermudalongtailrealestate.com www.crissonrealestate.com www.harbourealty.bm www.joylusher.com www.kwbermuda.com kim@kimsheenproperties.bm www.kimsheenproperties.bm mainpointrealestate@gmail.com www.mainpointrealestate.com heather@mcinnisandassociates.com www.mcinnisandassociates.com brittany@tpg.bm www.property-group.com sallyann@tpg.bm www.property-group.com

Erna DeGraff

296-0984, 335-0984

mainpointrealestate@gmail.com

www.mainpointrealestate.com

Allen Ferreira

236-4051, 333-4050

info@atlanticcleaning.bm

www.AtlanticCleaning.bm

Specialty Services Atlantic Cleaning & Maintenance Bermuda Elite Cleaners

Sabrinna (Jackie) DeMello

Bermuda Pest Control Bermuda Waterworks

Justin Tavares Karlene Kelly

Bermuda Property Matters 2024

www.furniturewalk.com

234-1043 705-8821 236-1823 299-7873

www.hsbc.bm

cesa@bermudalongtail.com hcrisson@crissonrealestate.com jonelle@harbourealty.bm sue@joylusher.com albert.moura@kwbermuda.com

bdacleaners@btcnet.bm bpest@northrock.bm purewater@bwl.bm

www.pestcontrol.bm www.bwl.bm 31

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