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Copyright 2020 Livingroom Limited All rights reserved. No part of this publication may be reproduced, distributed or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods without the prior permission of Livingroom Limited. Whilst every effort is made to ensure accuracy, no responsibility can be accepted for inaccuracies, however caused. No liability can be accepted for copy, photographs or artwork or advertising material while in transmission or with the publisher or their agents. All information is believed to be correct as of August 2020. DESIGNED & PRODUCED BY LIVINGROOM LIMITED

L I V I N G L I F E 2 02 0


call home


A very warm welcome to Livinglife 2020. For some readers, it’s ‘welcome back’ as you’ll know that Livingroom previously produced 10 editions of Livinglife a few years ago. For our new readers – we hope you enjoy the publication. When we made the decision in early 2020 to bring back Livinglife we could never have foreseen what was to come. Our spring publication date was revised several times as a result of the global coronavirus pandemic. We feel exceptionally lucky to have been able to publish Livinglife at all this year – and that’s testament to our islands, their governments and their people. The Channel Islands are beacons of stability and security which has been further cemented in 2020. Whether it’s political unrest around the world, the Brexit process in the UK, or a global pandemic – the islands are fortunate to navigate the choppy waters and enjoy relatively smooth sailing. You can read about the islands’ responses to coronavirus, and why they were great places to be then as well as great places to live in the long term.

with an eye for what will help your property to sell or rent. Livingroom follows the principle that first impressions last and pledges that we will always present clients’ property in the best possible light. A growth agenda 2020 has provided some shocks but I’m exceptionally proud that we’ve been able to weather the hard times and thrive in the good times. The market has been unbelievably busy since the lockdown phases in each island reached a position for work to recommence. My team have shown enormous dedication to a busy market and worked tirelessly to match buyers and tenants to their new homes, listing record-breaking numbers of properties for vendors and landlords alike. Since we expanded to Jersey in 2018 the agency has continued to grow and I’m delighted that we’ve been able to add proven quality and experience that will enable us to fulfil our mission to be an ethical, award-winning company that brings an inspired customer experience to the Channel Island property market. I’d like to finish by saying ‘thank you’. Thanks to my team for their positive attitude and hard work, thanks to the clients who have stuck by us through a challenging year for everyone, thanks to those key workers who truly made a difference throughout lockdown and beyond, and thanks to the governments of Guernsey and Jersey for working so hard to get us through the pandemic as well as they have. I’ve been proud of our island communities and the ways we’ve pulled together to make the most of living on our beautiful island homes. I sincerely hope you enjoy Livinglife and find it to be a useful guide to the Channel Island property market and the breadth of stunning homes we are honoured to represent.

A creative enterprise Livingroom Estate Agents has always had creativity at its heart. My own professional background in the advertising industry, prior to founding Livingroom, means that I have always applied a design-led approach to Livingroom and I’m proud that we pioneered the use of dedicated in-house creatives and made a huge impact on the Channel Islands’ property sector from the moment we launched in 2006. The publication in your hands, or on your screen, right now is the product of our creativity. Instead of using a designer or publisher we have created Livinglife ourselves. Copywriting, design and layout has all been handled in-house and that same level of creative output is applied to the way we list, market and sell properties across the Channel Islands. At Livingroom we have a creative team of five including established professional photographers, videographers, designers and licensed drone pilots. The photographers at Livingroom are not just estate agents with cameras; they are specifically trained, award-winning professionals

Simon Torode Simon Torode Founder, CEO


The Channel Islands: stability and security


Anyone who lives in the Channel Islands knows how lucky they are. The golden beaches, stunning cliff walks and charming towns speak for themselves; but the intangible benefits of the islands are also enormous and perhaps sometimes underestimated. In recent times the islands’ stable political systems, independent governments, sound economic foundations and good international standings have all come to the fore as a sharp contrast to the uncertainty and upheaval around the world. Throughout 2020 these benefits have been even more obvious, as the world continues to grapple with the ongoing coronavirus pandemic. The islands’ governments have presented strong responses to the crisis, taking quick decisions and protecting islanders as best they can. Of course the Channel Islands have felt some of the catastrophic effects of the pandemic, but the decisive approach has mitigated the impact and given islanders a sense of reassurance.

Great places to be The lockdown period was characterised by fear for many people. Uncertainty will always breed a feeling of worry and media reports certainly emphasised the seriousness of the situation. The sense of community has rarely felt stronger, the appreciation for our key workers was palpable, communication took on a renewed sense of importance and the bonds that bind us became more important than the differences that divide us. People of Guernsey and Jersey truly came together to support each other, to provide for each other and to ensure that we all got through the lockdown together. As we heard of severe lockdown situations around the world the exercise/outdoor time provided for by both governments certainly felt like a blessing. Not everyone was lucky enough to enjoy what many on the islands could – long walks in tranquil lanes, swimming in the sea,

running on the cliffs and buying fresh produce from hedge veg stalls. Those activities were enhanced by a certain peace of mind. Amid the worry came a sense that the islands’ governments had clear strategies. Borders were closed and the islands were able to protect themselves from the very worst of the virus. The security of our island homes had never been more apparent.

Great places to live The virtues of the islands may have been more appreciated during the lockdown period, but the islands represent fantastic places to live at any time. Mature and stable economies underpinned by the financial services sector ensure that there is a wide range of recruitment in both islands with ample opportunity to work internationally. The housing stock is comparable to the best offered anywhere in the world. The education systems are top-tier and offer a number of private and public options. The islands are safe places to bring up young families and offer the benefit of an enviable work/life balance; you can leave your desk and be on the beach lighting a barbecue or jumping in the sea within 15 minutes. That’s just the start; vibrant gastronomic scenes, shops selling homemade and locally produced goods to quality international brands, world-class beaches, island hopping to rival the Mediterranean, storied histories, active lifestyles, friendly people, unique cultures – the list goes on and on. 2020 has been a challenging year, but in the Channel Islands there’s still plenty to be thankful for.


Highly Commended

Livingroom The Channel Islands Estate Agent Estate Agency of the Year 2-4 branches


An internationally recognised agency. As we entered 2020, we were humbled to have been recognised on the national and international stages with some of the highest accolades available in our industry. It’s important to us to enter awards programmes with credibility; we want to be judged fairly and impartially against our peers to gain a true barometer of our performance and our standing in the industry. Feedback we gather through these processes allows us to make Livingroom an even better estate agency for our team, our clients and the islands we’re so proud to represent on the world stage.

2019 successes at The Negotiator Awards In November we were extremely honoured to pick up three gongs at The Negotiator Awards. The Negotiator is the premier UK trade publication for the estate agency industry and has been running for 33 years. Its awards were first held in 2008 and estate and letting agents can enter free of charge. They are open to all agents throughout the British Isles. We were immensely humbled as our Jersey office was named Britain’s ‘best new agency of the year’. We also won a silver award for our bespoke websites and were highly commended in the ‘estate agency of the year (2-4 branches)’ category. Winning Negotiator Awards matters to us because they are judged by impartial industry professionals and are an inclusive awards initiative where everyone is equal. To be recognised on this scale was a privilege and a testament to the impact we made with our Jersey launch and our first year of operating on the island.

The International Property Awards The awards celebrate the highest levels of achievement by companies operating in all sectors of the property and real estate industry and winners are determined by a panel of expert judges from across the property world. The awards programme is open to residential and commercial property professionals from around the globe and there were more than 1,900 entries in 2019. That number makes it all the more amazing that we walked away with four awards in total, including the award for Best Estate Agency Marketing for the whole of the United Kingdom. As well as this national award, we won the marketing award for the Channel Islands region as well as the Best Estate Agency  Single Office awards for both Guernsey and Jersey.

Representing our islands Being recognised at any time, whether it’s by a satisfied client or an awards ceremony, is always rewarding but as an agency that takes promotion of the properties we list and the islands we represent seriously, it means a huge amount to win national awards. Being recognised on a national scale is a great feeling but it’s also positive for our vendors, our islands and of course our hard-working team – who work tirelessly to live our values of offering exceptional client service through creativity and open and honest communication. We’re proud to be the Channel Island estate agent and relish any opportunity to promote the islands on a wider stage – awards are a fantastic way to do this.


PHI L A N T HROPY

The impact that businesses can make with their charitable activity can be especially pronounced in communities like the Channel Islands. In a difficult year for our islands this is doubly true and it’s been inspiring to see the community pull together to face up to the adversity presented by the global coronavirus pandemic. For us at Livingroom philanthropy has always been a key part of our ethos and a crucial means of supporting our island homes. On behalf of our vendors, and in their name, we make a donation for every home sold to a local charity or community initiative. Since we launched in 2006 we’ve donated over £1m to local causes and know we’ve made a real difference. We believe in the impact we have on our community which is why, this year, we’re taking our charitable support to the next level. Stay tuned for more information coming soon.

We can’t wait to share it with you.

THE LIVINGROOM

FOUNDATION


Guer ST. P E T E R P O R T. IM AGE BY LIVINGRO O M ESTAT E AGEN TS


rnsey


PE M B R OKE AND L’A N C R E SS E BAY. I M AGE BY L I V I NGR O O M E STAT E AG E N TS


Performance in Guernsey’s Open and Local Markets is at impressive levels. 2019 was the busiest year for completed transactions since 2007 and the transition to 2020 has shown enormous scope to surpass figures even further. The enforced business interruption caused by COVID-19 placed a huge impact on all of our lives. Without a crystal ball and amid a global pandemic nobody would ever have predicted the market bounce-back since Guernsey relaxed restrictions. In the six weeks from the beginning of May to mid-June, an amazing 78 properties were placed under offer by Livingroom’s Guernsey team and since then, the numbers have considerably multiplied as we continue to regularly agree sales within short periods of time from listing. Pricewise, the average value of a Local Market property in Q1 of 2020 stood at £444,150 which is 4.4% higher than the same period in 2019. On the Open Market, you can now expect to pay an average of £1.365m for a property with sustained demand in recent years from new island residents. As the UK has grappled with a succession of General Elections, Brexit and the effects of coronavirus, increasing numbers of HNWIs have considered the island as a safer and more stable jurisdiction. With low rates of crime and unemployment, high rates of life expectancy and 1,875 hours of recorded sunshine being a huge benefit for those seeking to enjoy the great outdoors – the pull factors are obvious. Recent figures from the government body Locate Guernsey reinforce the increasing popularity of the island as a des res. In the first five months of the year there was a 20% increase in enquiries from individuals looking to relocate to the island from as far afield as Canada. Guernsey was the first part of the British Isles to relax lockdown based upon collated evidence and the ability to contain an environment surrounded by water. The success of the island’s measures can be attributed to a scrupulous track and trace policy and 14-day quarantine for people arriving in the island. The island’s positive response to how it has contained COVID-19 has made waves globally and we are certainly feeling the effects across our team, as quality Open Market homes are proving to be hugely desirable. In response, we have expanded our Open Market team and increasingly used our multi-media capabilities to help clients based outside of the jurisdiction to view homes without having to cross borders. In fact, we have sold properties across both Channel Islands based on virtual viewings alone, which shows just how keen buyers are to make these beautiful islands their home.

Our market prediction for the remaining months of 2020 will depend on travel and accessibility. While Guernsey remains in a COVID-free state, we are very aware of the need of some prospective residents to sell their existing homes within regions that may be in a more complex state. According to Coutts, and rather unsurprisingly, activity in London’s high-end housing market dropped dramatically across April, May and June due to the coronavirus-caused lockdown. But their London Prime Property Index for Q2 2020 shows rays of hope for a turnaround and many have welcomed the UK Chancellor’s attempt to boost the London and wider UK housing market through the announcement of a temporary holiday on Stamp Duty on the first £500,000 of all property sales in England and Northern Ireland. In recent weeks, Cheshire and local areas in and around Greater Manchester have recorded some of the fastest-moving housing markets in England – all of which bodes well for those looking to sell up and relocate to the Channel Islands, providing that coronavirus remains in a manageable state. For some, renting Open Market homes is a solution for an immediate move that looks likely to see a market sector rise - provided quality homes are available to meet the discerning needs of a wealthy younger demographic and their families. Historically, there has been a notable void in Guernsey for well-designed and smartly presented rental stock for newcomers. Gone are the days when coloured bathroom suites and aged kitchens are acceptable to a new breed of savvy international tenants. We can foresee great buy-to-let potential in this sector over the next 12 months. Guernsey’s stability and safety has never been more prevalent and in our opinion the island has never been more desirable as a place to live.


Move to Guernsey Livingroom talks to Jo Stoddart, Director of Locate Guernsey.

What a rollercoaster we have lived through already this year. Wherever you are and whatever your circumstances, we hope that you and your loved ones are safe and well.


LOCAT E G UERN SEY

Guernsey emerged from Covid-19 lockdown at the end of April and soon became the first place in the British Isles to be Covid-free, bringing with it a return to the normality of island life. Our strong leadership and a swell of community support have guided the island through the crisis to great success. One of the many results of the Covid crisis globally is a recognition by employers and employees alike that, thanks to modern technology, people can work from anywhere. Many of us around the world have appreciated the opportunity to work from home, to spend more time with our families and to make the most of a better work-life balance. People are emerging from lockdowns with a recognition that maintaining a more balanced life is important to them and they see that Guernsey offers the opportunity to live such a life very easily.

Guernsey’s property market continues to be buoyant and we have heard some wonderful testimonials from those who have arrived recently and who are delighted with their decision to relocate. The ease with which people can relocate to the island and live in property registered on our Open Market continues to be a huge draw alongside the safety, security, stability and convenience of island life. Anyone holding a UK or EEA passport can make the move to Guernsey by simply renting or buying an Open Market property, and if you do the latter for £1.32M or more there’s a personal tax cap of £50,000 for your first four years - enabling other pieces of this delightful picture to come together. Income tax is a lonely tax in Guernsey; it’s typical companions - capital gains, inheritance, gifts, and value-added taxes are all absent. For those that live further afield then there are Investor and Entrepreneur visa schemes available.

More and more often relocators are discovering all that Guernsey offers. The island embraces a life that is more than just work; one that restores balance to your lifestyle. A natural environment that helps you reconnect with the good things in life and a hub that enables businesses to flourish. The welcoming community, famous natural beauty, vibrant culture and low crime rate make it an attractive alternative to city life and a safe and secure place for families of all ages. As always, myself, Paul and Keith are here to provide further information to advisers, individuals and businesses who are considering a presence in Guernsey so please do feel that you can pick up the phone or drop us an email at any time. We are passionate about Guernsey and happy to help anyone considering making the move to our shores. Best wishes, Jo Stoddart, Director – Locate Guernsey LocateGuernsey.com, +44 (0)1481 743 834, enquiries@locateguernsey.com


Guernsey... the island that’s better for you

Embrace a better life Make the move to Guernsey and discover the joy of island life. Explore golden beaches, quiet country lanes and a picturesque town centre in an island wrapped in centuries of history. As nowhere is never more than a few moments away, you can say farewell to long commutes and welcome to a sense of community, safety and stability. Guernsey offers everything you could wish for to make a better life for you.

Working for you World-class financial, professional and legal services centre Well regulated, secure, internationally recognised and compliant jurisdiction Strong digital and telecommunications infrastructure for connectivity Leading jurisdiction for private equity and home to ‘The International Stock Exchange’ Strong investor networks helping scale-up businesses Well connected to the UK by sea and air.

To start your journey, call the Locate Guernsey team on +44 (0)1481 743834, email enquiries@locateguernsey.com, or visit locateguernsey.com


Less taxing for you No minimum revenue levels to gain residency Independently governed, politically and economically stable, low tax jurisdiction

Island life for you A family-orientated, friendly, safe and secure community Fantastic work/life balance

Most companies pay a standard tax rate of 0%

Excellent education and healthcare systems

Tax regime compliant with OECD standards of information exchange

Wide range of sports and outdoor activities available including golf, tennis and rugby

No IHT, CGT, Wealth, Gift or Estate Tax or VAT

Fresh air, amazing beaches, cliff walking and island-hopping experiences

Flat rate of 20% Personal Income Tax Purchase of an Open Market Part A property at a cost of £1.32M or above during the first 12 months of residency entitles the purchaser to a tax cap of £50k/annum for up to four years

Follow us. Search: LocateGuernsey

Living in an Open Market Part A home enables you and your family to live and work in Guernsey indefinitely English speaking – same time zone as the UK

A better life for you


01481 70 10 70 info@dlm.gg

dlm.gg


If you are considering relocating to Guernsey, we have the local knowledge and experience to guide you and your family through all aspects of your move.

R E L AT E D S E R V I C E S

We can introduce you to the key people involved in the residency application process and provide specialist legal advice in relation to relocation; residential and commercial property; Guernsey tax and the implications of becoming a Guernsey tax resident; relocating your assets, investments and business interests; and helping your key employees move to the Island.

⁄ Manager Relocation

⁄ Relocation ⁄ Private Client ⁄ Residential and Commercial Property ⁄ Trusts and Estate Planning ⁄ Wills and Inheritance ⁄ Corporate Law ⁄ Regulatory ⁄ Family Office ⁄ Foundations and Philanthropy ⁄ Employment, Pensions and Incentives

To discuss your requirements in confidence, please contact:

Russell Clark

Davey Le Marquand

D +44 (0)1481 732049 E russell.clark@careyolsen.com

D +44 (0)1481 732009 E davey.lemarquand@careyolsen.com

Partner, Trusts and Private Wealth

Partner, Property

Jason Morgan Partner, Property

D +44 (0)1481 741563 E jason.morgan@careyolsen.com Image courtesy of VisitGuernsey

With you every step of the way BIGGER PICTURE

O F F S H O R E L AW S P E C I A L I S T S B ERMUDA CAPE TOW N

BR ITISH VIRG I N IS L A NDS HONG KO N G

LO N D O N

C AYMA N I S L A ND S S I N GA P O RE

G U E RN S E Y

J E RS E Y

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GUERN SEY L EGA L

Your move to Guernsey An increasing number of wealthy individuals, entrepreneurs and financial services principals have chosen to move to Guernsey with their families in recent years, with some also relocating their businesses to the Island. Here, Carey Olsen property partners Jason Morgan and Davey Le Marquand look at some of the practical issues to consider when contemplating a move to Guernsey.

(Guernsey) Law 1994. The Population Law requires everybody aged 16 and over who lives and/or works in Guernsey to hold either a certificate or a permit relevant to their residence. Certificates are issued to lawful householders – people who then have a right to live and work anywhere in Guernsey. There are three types: 1. Open Market Certificates (Part A for private home, Part B for hotels, Part C for residential care or nursing homes and Part D for a house in multiple occupation); 2. Established Resident Certificates; and 3. Permanent Resident Certificates. In broad terms, anyone can live and work in Guernsey indefinitely if they live in a Part A, B, C or D house on the Open Market Housing Register and they are the lawful occupier of that house. Open Market Certificate holders can accommodate immediate family members, while Part A Certificate holders can also house extended family members. A permit is issued to a person whose ability to live and/or work in Guernsey is conditional. This may include working in a specific job, living with a specific person or other appropriate conditions. When a permit holder completes eight years of continuous lawful residence on the Local Market, they can generally obtain an Established Resident Certificate. This gives the holder the right to live and work in Guernsey, provided the holder remains in Guernsey from this point until they have accumulated 14 years of continuous lawful residency.

What is the choice of property like on the Open Market? How does Guernsey’s residential property market operate? There are two designated classes of housing in Guernsey: Local Market and Open Market. The Local Market has significantly more properties on it and is available for occupation by people either born and brought up in Guernsey, or those qualified to live in such accommodation for other reasons, such as by virtue of their employment circumstances, or in some cases their potential economic contribution to the Island. The Open Market is therefore available to all those people who do not have the particular qualifications enabling them to live in Local Market accommodation.

Less than 10% of the current population lives on the Open Market, which has a stock of approximately 1,700 properties. As the properties are fewer in number and occupancy controls are less stringent, Open Market property prices tend to be higher than Local Market ones but the Open Market also includes many of the Island’s most desirable houses. Carey Olsen’s leading property team can give clear and comprehensive advice on the acquisition process from start to finish. Our department comprises specialist lawyers and conveyancers with extensive experience and an unrivalled knowledge of Guernsey property law.

Which market would be available to me? The Open Market is usually the most obvious option for people coming to live in Guernsey who do not hold local residential qualifications. That said, recent changes to Guernsey’s population management regime, combined with Guernsey’s entrepreneurial visa scheme, offer increased scope for people moving to the Island to live in Local Market properties. It is also worth noting that there are no financial criteria that need to be fulfilled to be able to live on the Open Market, making the process of moving to Guernsey easier than in some other jurisdictions. Ultimately, the right to occupy property on either market is controlled by domestic population management legislation, which also has a bearing on who can work in Guernsey. The Population Management (Guernsey) Law 2016 (“the Population Law”) came into force on 3 April 2017 and replaced the previous Housing (Control of Occupation)

CA REYOL SEN .COM


AV I AT I ON

PASL . A ERO


OPE N M A R K E T G UE R N S E Y

Iconic Georgian Mansion ST. A N DREW, GUERNSEY Forming part of our Private Collection, Ste. Hélène Manor is situated in the rural parish of St. Andrew - equidistant between the airport and St. Peter Port centre and within easy access to the island’s famous West coast beaches. Constructed circa 1790, Ste. Hélène Manor is an exquisite example of the period - arranged over four full height floors with 12,411 sq.ft of family, guest, staff and ancillary accommodation. Externally, the well tended mature grounds amount to 1.75 acres with uncompromising levels of privacy and include a fabulous Coach House with extensive garaging with Billiards room over. Available for the first time in 21 years, Ste. Hélène Manor is a magnificent opportunity. Please contact our Open Market team on +44 1481 715555 for further information.

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12,411 SQ.FT 7 BEDROOMS 6 BATHROOMS 1.75 ACRES FOR SALE OPEN MARKET £POA


OUR PERSONAL FINANCIAL ADVICE BEGINS WITH ONE QUESTION:

WHAT MATTERS TO YOU? juliusbaer.com

Bank Julius Baer & Co. Ltd., Lefebvre Court, Lefebvre Street, St Peter Port, Guernsey GY1 4BS, T +44 (0)1481 726618 Bank Julius Baer & Co. Ltd., Guernsey Branch is licensed in Guernsey to provide banking and investment services and is regulated by the Guernsey Financial Services Commission.


WEA LT H PL A N N I N G

Living across borders: what to consider when managing your assets Whether it’s a new lifestyle, professional opportunities or a warmer climate, many factors may influence your decision to relocate or spend part of the year abroad. Whatever the reason, you need to be organised to live across borders. Jean-Luc Le Tocq, Head of Private Banking at Julius Baer in the Channel Islands, highlights the complexities involved with international wealth planning, particularly for high-net-worth individuals (HNWIs). HNWIs are on the move more than ever before. In 2018, 108,000 HNWIs are reported to have changed their location, compared with 95,000 in 2017, according the 2019 Global Wealth Migration Review published by AfrAsia Bank and research partner New World Wealth. The Channel Islands are part of the global migration story, with Locate Jersey and Locate Guernsey together reporting almost 50 such relocations to the islands during 2019.

3 - Ensure that the journey is comfortable for the entire family Family members dotted across multiple countries can make for complex cross-border wealth planning. Marriage (and, sadly, separation and divorce) that involves multiple jurisdictions raises questions regarding wealth preservation such as division of assets on separation, pre-nuptial agreements, maintenance orders and matrimonial property regimes. Be realistic about your personal circumstances, engage in timely, regular and open dialogue with family members and your advisors about wealth-planning matters, and make adequate provision for the future. By planning well ahead of time, you will be giving yourself a head start to avoid pressured decision-making, so all that remains to be done is to enjoy the journey and the next exciting chapter of your life. Julius Baer has worked closely with many individuals making the move to the Channel Islands, providing wealth management solutions that meet their individual tax and family circumstances. If you’re interested in learning more, please contact Jean-Luc Le Tocq on 01481 702732 or jeanluc.letocq@juliusbaer.com.

It is increasingly common for families and individuals to balance their lives between multiple jurisdictions. The rewards for this mobility can include better quality of life, business expansion and improved family dynamics, but international wealth planning is not without its difficulties. What to remember before packing your bags:

1 - Familiarise yourself with the map Start by getting an overview of your wealth. This helps prepare for the pivotal moments in life, taking into account your family’s personal circumstances and cross-border planning implications for your different assets, such as real estate, valuable chattels (art and jewellery), business interests (especially family businesses), pension and retirement funds and insurance or life policies. What worked in a previous jurisdiction of residence may need a refresh upon relocating.

2 - Taxation is your constant travel companion A major challenge of migration is taxation. Each jurisdiction has its own types and rates of taxation and there may even be punitive consequences when exiting one country and entering another. Be sure to consider the fiscal, legal and succession-planning implications in the country where the asset is located, not only where you are resident. These might include ownership taxes, including on acquisition, sale or transfer of the goods. Local rules can limit how you pass on your home (and other assets) within the family and liquidity events, such as the sale of a business, can have unexpected tax consequences.

J UL I USB A ER.COM


OP E N M A R K E T GUERNSEY

Bagley Hall

ST. P ETER PORT, GUERNSEY A decadent 9,324 sq.ft family residence named after the famous novelist and British journalist Desmond Bagley. One of only a few properties on the Island to have received a Blue Plaque. It also appears in a new book “Mansion, Manor and Merchant Houses� which features properties of notable historic interest on the Island. The 9,324 sq.ft of accommodation is spaciously laid out over four floors. This decadent property has been configured to offer every conceivable luxury with stunning indoor swimming pool, snooker room/bar, gym, sauna, steam room and tennis court. WWW. L I V I N G R O OM .GG


9,324 SQ.FT 5 B ED RO O M S 6 BATHRO O M S 1.3 ACRES O PEN M ARKET FO R SALE £POA

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OP E N M A R K E T, GUERNS EY BAG L E Y H A L L

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OP E N M A R K E T GUERNSEY

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OP E N M A R K E T GUERNSEY

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OP E N M A R K E T GUERNSEY

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OP E N M A R K E T GUERNSEY

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OP E N M A R K E T GUERNSEY

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MO R TG AG E S GUERNSEY

The property market in Guernsey has had a very interesting few months post lockdown. Transactions are increasing and we are seeing many properties selling more quickly. The figures speak for themselves with the total number of property transactions to end of July at 343 compared to 421 for the same period last year. Not bad when we consider the impact of COVID-19 and our conveyancing court being closed for close almost months. In fact we are at very similar amounts when compared to 2018 (342) and 2017 (335). Market sentiment is very positive and we have been busy helping clients move up the property ladder. This is largely down to clients wanting to move house (having spent nearly 3 months in lockdown) to have more living space, bigger garden etc. Non-purchase bonds (which are equity releases or mortgage moves) are also on the up. Year to date there have been 192 compared to 266 for the same period last year. 2018 & 2017 saw 193 and 212 transactions over the same period. What is interesting however is the total value of non-purchase bonds year to date is just under £100m compared to £117m last year. In 2018 and 2017, the figures were £60m & £76m respectively. These figures are evidence of the amount of us that are switching lenders to avail ourselves of better rates. Borrowing has never been so cheap and with the Bank of England base rate at 0.1% not likely to increase in the short term, now is a great time to review your mortgage. We have seen a significant increase in enquiries and have been able to help many clients move their mortgage and make significant monthly savings. Some lenders even help towards the cost of moving too by providing a free valuation and contributing towards bond fees. As an example, we can move a £300k mortgage for as little as £500. This cost can also be included in the borrowing amount. We have also seen increased enquiries from clients wanting to borrow for home improvements, a result of being in lockdown for so long. Clients want to modify their home to accommodate working from home, something that many of us expect to be doing more in the future, or simply build an extension to give themselves more space. OR AC L E F I N A N C E.GG

At Oracle, we have access to borrowing from as little as 0.74%, and 90% mortgages are available at 1.74%. Given the current climate many clients are opting for longer-term fixed rates, whilst these are a little higher they do provide the security in monthly payments for a longer period. If you would like to find out how much you can borrow or indeed how much you could save by switching provider, feel free to give the team a call on +44 1481 727347 or email us at mortgages@oraclefinance.gg


The perfect mortgage, for your perfect home. Call +44 1481 727347 to speak to one of our mortgage advisors. Oracle Financial Services (Guernsey) Limited is licensed by the Guernsey Financial Services Commission to provide advice on mortgage products.

www.oraclefinance.gg


OP E N M A R K E T GUERNSEY

Adolphus House ST. P ETER PORT, GUERNSEY Forming part of our Private Collection, Adolphus House exudes elegance and grace. Presented in pristine condition with incredible views and custom features throughout. Every detail of this 8,185 sq.ft Fort George home has been painstakingly planned to create a truly exceptional home.

8,185 SQ.FT 4 BEDROOMS 5 BATHROOMS 0.43 ACRES OPEN MARKET FOR SALE £POA

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OP E N M A R K E T GUERNSEY

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The Beaches C ASTEL , G U ERNSEY A stunning newly built property situated in a prime West Coast location with enviable sea views. With frontline sea views over both Cobo Bay and Grandes Rocques, The Beaches is a stunning property designed to an extremely high specification with enviable sunsets enjoyed directly from the property. Just a five minute level walk away from Cobo village which offers many local amenities, including The Rockmount gastro pub and Le Reunion restaurant. Offering Villeroy & Boch bathrooms, Rako lighting system, Siematic kitchen with Gaggenau appliances, the reverse plan accommodation comprises entrance lobby, family room, conservatory, utility room, three double bedrooms (all en-suite) and cloakroom on the ground floor. The first floor offers fabulous open plan living with kitchen/breakfast area, dining and sitting areas, shower room and primary bedroom suite including dressing area and en-suite bathroom with doors leading out to the balcony. The second floor offers a multi-purpose room with balcony. There is also an annexe garden room/gym and double garage.

4,327 SQ.FT 5 BEDROOMS 5 BATHROOMS 0.2 ACRES OPEN MARKET FOR SALE ÂŁPOA

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LTS Tax Limited Guernsey’s largest independent firm of Chartered Tax Advisors providing tailored tax advice, accountancy services and tax compliance services to individuals and corporations looking to relocate to Guernsey.

Francis Snoding CTA Managing Director E: fran.snoding@lts-tax.com

T: 01481 755881

Julian Turian ATT FMATT

Sarah Kenealy CTA

David Parrott CTA

Katie Roberts CTA

Director

Tax Manager

Associate Director

Assistant Manager

E: julian.turian@lts-tax.com

E: sarah.kenealy@lts-tax.com

E: david.parrott@lts-tax.com

T: 01481 743045

T: 01481 747744

T: 01481 743049

LTS Tax Limited, Ground Floor, North Suite, Tudor House, Le Bordage, St Peter Port, Guernsey GY1 1DB.

T: +44 (0)1481 755862 F: +44 (0)1481 713369

www.lts-tax.com

E: katie.roberts@lts-tax.com

T: 01481 743087

LTS Tax Limited (registration number: 54292) is registered with the Chartered Institute of Taxation as a firm of Chartered Tax Advisers. Please see our website www.lts-tax.com for details. Registered office: Les Echelons Court, Les Echelons, St Peter Port, Guernsey, GY1 1AR.


TAX

Guernsey is a lifestyle choice offering safety, security and stability, ease of entry and fantastic Open Market properties. Julian Turian from LTS discusses. Right of Abode It is easy to move to Guernsey. Individuals with a British passport have an automatic right of abode as do EU/EEA nationals, although the latter need to apply for pre-settled status as a result of Brexit. EU/EEA nationals arriving post 31 December 2020 will need to meet new post Brexit rules. Non-British/EU/EEA nationals may be able to reside by virtue of the Islands Investor or Business “visa” system.

Tax System Guernsey has no capital gains, inheritance, wealth or gift tax, no VAT or GST and no minimum tax requirement. Income tax is fixed at 20% with tax caps available. Resident companies are subject to a standard rate of 0%. The tax year is the calendar year. Married couples and those in civil partnerships are taxed jointly although Guernsey is moving towards separate taxation.

Those “principally” or “solely” resident are subject to tax at 20% on worldwide income, subject to tax cap elections.

Guernsey Tax Caps Guernsey residents may by statute cap their annual tax liability, viz; • Open Market Cap of £50,000. Available for the first four years of Guernsey residence. Requires the purchase and occupation of an open market property within 12 months of tax residence. The purchase must generate minimum document duty of £50,000 (property cost of £1.4m) • Annual tax cap of £130,000. This is for non-Guernsey source income only. Guernsey source income remains subject to 20% tax. Guernsey bank interest is not considered Guernsey source. • Annual tax cap of £260,000. A global cap utilised by individuals with substantial Guernsey source income. Guernsey rental income is outside all tax caps. Married couples, including civil partnerships claim a joint tax cap and pay one cap.

Conclusion Guernsey offers an amazing lifestyle. There are no tax entry criteria to meet and it is straightforward to move here. For more information and specific advice please contact Fran, Julian, Sarah, David or Katie at LTS Tax Limited.

Individual Tax Residence There are three types of tax residence status. All broadly based on the number of days spent on the Island in a tax year. A day is counted by presence at midnight. A broad overview of residence rules follows. Resident Only An individual is “resident only” if they are in Guernsey between 90 and 181 days during a year and at least 91 days in a second jurisdiction. They are subject to Guernsey tax at 20% on worldwide income. Alternatively, they may elect to pay the “Standard Charge”, currently £30,000 per annum. The standard charge payment covers all tax due on non-Guernsey source income and tax due on the first £150,000 of Guernsey source income. Principally Resident An individual is “principally resident” if they spend 182 days or more in Guernsey in a year. Solely Resident An individual is “solely resident” if they are “resident only” and are not present in a second jurisdiction for at least 91 days in the year.

LTS-TAX.COM


Under the Acorn Lifestyle brand, we can help you transform your entire home, office or workplace. Offering a wide range of services with the support of our gorgeous showrooms and in-house designers. Using our extensive knowledge of practicalities, home trends, market knowledge and experience of materials to provide you with a timeless solution that not only matches your expectations but exceeds them. Our main aim is to make your project as seamless as possible with the following services on offer –

KITCHENS AND BEDROOMS We have styles to suit all tastes and versatile ranges to suit rooms of all shapes and sizes. We offer a free on site measure up and consultation, following up with a 3D visual, plans and estimates. Our in-house fitters ensure our service is completed to an excellent standard. OFFICES Whether at home, in a garden room or in a commercial space, we can provide both fitted and free-standing solutions. INTERIOR DESIGN SERVICE We are able to offer an independent design service, with our designer Katie, from colour consultations to full service designs. We understand each project is bespoke so offer an initial free consultation and the availability to be able to hire on both fixed or an hourly fee basis. LIGHTING DESIGN With a vast range of lighting suppliers, we are also able to offer a lighting design service to make sure you are using lighting in your home to its full potential. SHOW HOMES Developers can use our designers to help sell their properties, with a full bespoke design board aimed towards your market, exclusive discounts and professional designer on site to style.

These are just the basic services we can offer to transform the interior of your home, be sure to contact us to find out how we can help you today.

acornlifestyle.net enquiries@acornlifestyle.net +44 1481700808


OP E N M A R K E T GUERNSEY

Etoile du Nord C ASTEL , G U ERNSEY Livingroom is privileged to offer this architectural masterpiece. Arranged over three floors, the attention to detail and high quality design aesthetic were fundamental in winning prestigious awards from both The Royal Institute of British Architects (RIBA) and The Guernsey Design Awards. Etoile du Nord nestles into the hillside overlooking Vazon Bay with incredible views. Its stepped form and layered use of materials are designed to merge into the surrounding landscape and throughout the building and careful detailing blurs the boundary between inside and out. Every opportunity has been taken to capture the spectacular views, the kitchen/ dining area overlooks a double height living space and a specially engineered glass facade allows for equally impressive views from both. A truly stunning home.

3,705 SQ.FT 4 BEDROOMS 4 BATHROOMS 0.7 ACRES OPEN MARKET FOR SALE ÂŁ3,750,000

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Les Clercs, Contree des Clercs S T. P I E R R E D U B O I S , G U E R NS E Y Les Clercs, Contree des Clercs is discreetly located in the rural lanes of St. Pierre du Bois, within a short stroll to Rocquaine Bay. Situated in 5.5 acres of stunning, mature gardens this notably light and spacious, entirely lateral house must be viewed to fully appreciate all it has to offer.

3,351 SQ.FT 5 BEDROOMS 3 BATHROOMS 5.5 ACRES OPEN MARKET FOR SALE £POA


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1, Mont

Havelet ST. P ETER PORT, GUERNSEY

A supremely spacious lateral apartment with extensive terrace and sea views. A luxury apartment forming part of a small, exclusive development in St. Peter Port. With lift access to all apartments and secure underground parking, great care has been taken to ensure the highest quality materials have been used. This impressive, lateral apartment enjoys superb views over Havelet Bay including Castle Cornet and the neighbouring islands beyond with landscaped communal garden and three parking spaces accessed via a car lift.

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2, Mont

Havelet ST. P ETER PORT, GUERNSEY

2, Mont Havelet is a luxury brand new apartment in a small exclusive development situated at 1, George Road in St. Peter Port, offering superb views over Havelet Bay including Castle Cornet and the neighbouring islands of Herm, Jethou and Sark. Internally, the accommodation is lateral and spacious with an open plan kitchen/dining/sitting room with French doors leading to two balconies. Additionally, there is a walk-in larder, utility/laundry room, four bedrooms (all en-suite) and guest cloakroom. The apartment is accessed via a beautifully designed entrance hall with lift access and underground parking for three vehicles. Furthermore, at the rear is a beach style communal garden. Mont Havelet Court is situated within a short walk of St. Peter Port or a short drive to St. Martin’s village and a stroll away from the coastal footpaths.

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2,506 SQ.FT 4 BEDROOMS 4 BATHROOMS OPEN MARKET FOR SALE £3,350,000


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Tara ST. SAVI O U R, GUERNS EY Tara is located close to the West coast beaches and surrounding country lanes. Situated behind electric gates, this modern home offers a generous driveway with double garage and store. Designed in a reverse plan style to accommodate the natural light and views towards the sea.

3,979 SQ.FT 5 BEDROOMS 4 BATHROOMS 0.9 ACRES OPEN MARKET FOR SALE £2,450,000

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Le Foulon House ST. A N DREW, GUERNSEY Le Foulon House is a unique family home situated at the end of a long private driveway in the desirable and central parish of St. Andrew. The accommodation on the ground floor comprises entrance hall, sitting room, cloakroom, study, studio/ gym, snug, brand new modern kitchen, utility room, storage room/conservatory. The first floor boasts the primary bedroom with large balcony and a brand new en-suite bathroom, bedroom two, en-suite with dressing area, bedroom three, en-suite with dressing area, bedroom four/dressing area, WC and bedroom five. To the front of the property there is parking for multiple vehicles with a lovely South-facing garden with swim spa and private patio area and lovely woodland area. Le Foulon House is a fascinating property, where the owners have married state-of-the-art living with some fabulous interior design statements.

3,107 SQ.FT 4 BEDROOMS 4 BATHROOMS 1 ACRE OPEN MARKET FOR SALE ÂŁ1,825,000

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Camelot ST. P ETER PORT, GUERNSEY Camelot is situated within the desirable Fort George enclave - offering a quiet, private position and stunning sea views. Although marketed by multiple agents, Camelot was sold by Livingroom within one week of instruction.

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We don’t design buildings, we create new beginnings. www.pfaarchitecture.com

J: 01534 767950

G: 01481 712633


You’re finding it increasingly hard to win new business because you’re being asked to prove you are cyber secure. WHAT WOULD YOU DO?

WE KNOW WHAT TO DO. Cyber Assessments | Virtual Information Security Officer | Cyber Essentials & IASME certifications | Managed Security Services | Cyber Training

GSY Telephone: 01481 267338 JSY Telephone: 01534 720265

www.resolution-it.co.uk


OP E N M A R K E T GUERNSEY

SO L D BY L I VI NGROOM

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Les Vieux Mielles VAL E , G U E R NS E Y

A rare opportunity to acquire a picturesque farmhouse situated on the edge of L’Ancresse Common


OP E N M A R K E T GUERNSEY

Sartoria ST. SAVIOUR, GUERNSEY A luxurious modern home set within the quiet countryside of St. Saviour, elevated above the West Coast with far reaching panoramic views.

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7,728 SQ.FT 6 BEDROOMS 7 BATHROOMS 1.4 ACRES OPEN MARKET FOR SALE £3,450,000


WHO WOULD BE MOST LIKELY TO GRANT YOU A MORTGAGE? AN ALGORITHM? OR A HUMAN BEING? When you need a mortgage, ask a human. For while we find algorithms very useful, they are not known for their flexibility. For those who define success as living and working on their own terms, help from a kindred spirit counts for a great deal. So, if you prefer talking to humans about a mortgage, try one of ours.

Kay Parnwell

Email: kay.parnwell@investec-ci.com

Call: +44 (0)1481 706483

Minimum eligibility criteria and terms and conditions apply. Investec Bank (Channel Islands) Limited is part of Investec Private Banking and a wholly owned subsidiary of Investec Bank plc. This document is distributed by Investec Bank (Channel Islands) Limited which is licensed in Guernsey by the Guernsey Financial Services Commission under the Banking Supervision (Bailiwick of Guernsey) Law,1994, as amended, and the Protection of Investors (Bailiwick of Guernsey) Law, 1987, as amended, to carry on banking and investment business. Registered Address: Glategny Court, Glategny Esplanade, St Peter Port, Guernsey, GY1 1WR. Registered Number: 5845. The Jersey Branch of Investec Bank (Channel Islands) Limited is regulated by the Jersey Financial Services Commission to carry on deposit taking business under the Banking Business (Jersey) Law 1991, as amended. The Jersey Branch address is One The Esplanade, St Helier, Jersey, JE2 3QA. The Isle of Man Representative Office of Investec Bank (Channel Islands) Limited is regulated by the Isle of Man Financial Services Authority and its place of business address is Second Floor, The Old Courthouse, Athol Street, Douglas, Isle of Man, IM1 1LD.


Awarded for design. Made for you.

The SieMatic PURE style collection blends the functions of your kitchen with the architecture of your home, perfectly and unobtrusively. The elegant minimalistic language of form places the focus on what really counts: the lasting values of the exquisite materials and the precision of exceptional craftsmanship.

Kitchens | Bathrooms | Bedrooms | Tiles Visit our Guernsey showroom, call 01481 234000 or www.cic.gg


CCD Chartered Architects & Interior Designers With over 35 years of experience the multi award winning design practice is highly skilled in restoration, heritage projects, high quality contemporary houses, interior design, bespoke furniture design, landscaping, planning consultation & project management. Tel: 01481 726461

mail@ccd-architects.com

www.ccd-architects.com


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En Facade ST. P ETER PORT, GUERNSEY En Facade is a classically proportioned Georgian townhouse with a contemporary extension. Attractively located, the house is situated in the heart of St. Peter Port adjacent to Guernsey’s only remaining convent. The ground floor accommodation comprises generous entrance hall, dining room, sitting room, kitchen/ breakfast room, utility room, cloakroom, rear porch, study and bedroom with en-suite and French doors leading to a South-facing patio. The first floor accommodation offers a generous primary bedroom suite with dressing room and bathroom, two further double bedrooms (one with en-suite dressing room and shower room and the other with en-suite bathroom) and a stunning family room leading to the roof terrace boasting beautiful views over St. Peter Port, the islands and beyond. Externally, the walled garden includes mature planting with parking and garaging.

5,647 SQ.FT 5 BEDROOMS 4 BATHROOMS OPEN MARKET FOR SALE ÂŁ3,450,000

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No.1 Candie ST. P ETER PORT, GUERNSEY No.1 Candie Road is a stunning house, located in a desirable part of St. Peter Port within a short stroll of the town centre, Candie Gardens and Cambridge Park. Fully renovated in recent years, this highly deceptive property has been remodelled to form a contemporary home with great flow and balanced accommodation over three floors, together with a detached double garage and accommodation above. The ground floor accommodation comprises entrance hall, snug, office, dining room, shower room, utility room and spacious open plan kitchen/dining and sitting room with views over the landscaped South facing garden. The flexible configuration of the first and second floors boast a stunning master bedroom suite, together with up to five further bedrooms. Externally, the beautifully landscaped walled garden leads to the double garage/guest suite and parking area. A conveniently located contemporary haven highly deserving of closer inspection.

4,464 SQ.FT 7 BEDROOMS 6 BATHROOMS 0.2 ACRES OPEN MARKET FOR SALE ÂŁPOA

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Richmond House ST. SA M P SON , GU E R N S E Y

4 ,247 SQ. F T 5 B EDROOMS 4 BAT HROOMS 0.7 AC RES

An impressive detached period property built in 1824 situated on the sea front with stunning sea views over Little Russell, Herm and Sark and backing onto Delancey Park. The house combines modern touches with the grand proportions of a traditional property.

Albatross ST. P ET E R P O R T, GU E R NS E Y

F OR SA L E OPEN MA RKET £3 ,1 5 0,000

5 ,0 8 6 SQ. F T 5 B EDROOMS 5 BAT HROOMS 0. 36 AC RES

Albatross is a contemporary, detached home discreetly situated in the prestigious Fort George enclave - set behind electric gates. Fully renovated in recent years, this flexible home is set over four floors with the recent addition of an integrated wing for use by family members.

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F OR SA L E OPEN MA RKET £2 , 8 5 0,000


OPEN MA RKET GUERN SEY

9 47 S Q . F T 2 BEDROOMS 2 BAT H R O O M S F O R SA L E O P E N M A R KET £ 2, 45 0,0 0 0

1 , 69 0 SQ . F T 2 BEDROOMS 2 BAT H R O O M S F O R SA L E O P E N M A R KET £ 2, 95 0,0 0 0

31, One St. Julian’s Avenue ST. PE T E R P OR T, GUER NSEY A luxurious 947 sq.ft apartment with a private terrace within the prestigious One St. Julian’s Avenue development. No. 31 offers luxury fixtures and fittings throughout together with underfloor heating along with many other attractive features. Secure underground parking for two vehicles.

32, One St. Julian’s Avenue ST. PE T E R P OR T, GUER NSEY A luxurious 1,690 sq.ft Penthouse apartment with a 657 sq.ft private terrace within the prestigious One St. Julian’s Avenue development. No. 32 offers luxury fixtures and fittings, including oak flooring throughout, underfloor heating, Miele appliances and a wireless Sonos music system, along with many other attractive features. Secure underground parking for two vehicles.

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Maison de la Cotte ST. P ET E R P O R T, GU E R NS E Y Completely rebuilt, Maison de la Cotte is a hidden gem. Discreetly located, this stunning contemporary house offers a continental feel with notably high ceilings, light and airy living areas and use of quality materials throughout.

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3,979 SQ.FT 5 BEDROOMS 4 BATHROOMS 0.4 ACRES OPEN MARKET FOR SALE £2,750,000


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3,461 SQ.FT 4 BEDROO MS 4 BATHROOMS 0.1 ACRES OPEN MARKET FOR SALE £1,795,000

L’Horizon ST. PE T E R P OR T, GUER NSEY An attractive home situated within the prestigious Village de Putron. Offering an impressive 3,461 sq.ft of spacious living over four floors with stunning sea views.

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4, De Beauvoir Terrace O P E N M A R K E T S T. P E T E R P O R T, G U E R N S E Y 2 , 41 5 S Q . F T £ 1 , 3 9 5 , 0 0 0 A prestigious, period granite townhouse with character detail and offers truly spacious family living with a South-facing walled garden.

Les Quatres Acres O P E N M A R K E T C AST E L , GU E R N S E Y 3, 8 2 0 SQ. F T £ 1 ,5 5 0,0 0 0 A large Victorian family home situated in a lovely, rural location in the parish of Castel close to stunning West coast beaches.

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58, Hauteville O P E N M A R K E T ST. PE T E R P OR T, GUER NSEY 5.3% YIELD £1, 45 0,000 58, Hauteville is conveniently located within a short walk of central St. Peter Port. The property comprises of five flats, one Open Market offering beautiful sea views.

Choisi O P E N M A R K E T ST. SAMP SON, GUER NSEY 3,765 SQ. FT £1,75 0,000 Choisi is located on a quiet lane in the parish of St. Sampson with high granite walls, flat 1.3 acre garden with a heated outdoor swimming pool.


Normandy House O P E N M A R K E T S T. P E T E R P O R T, G U E R N S E Y 3 , 0 6 9 S Q . F T £ 1 ,1 5 0 , 0 0 0 A handsome double fronted granite period townhouse

Billingbear House O P E N M A R K E T ST. SAMP SON, GUER NSEY 6,846 SQ. FT £995 ,000 Imposing period listed property with scope for

which enjoys superb harbour and island views.

redevelopment or refurbishment. Plans approved for the

Conveniently situated close to local amenities.

house to be split into five apartments with a bungalow.

13, Tudor House O P E N M A R K E T ST. P E T E R P O R T, GU E R NS E Y 5,0 0 0 SQ . F T £ 1 ,35 0,0 0 0 Rarely available in Guernsey, a superb three bedroom penthouse apartment with terracing on both floors, underground parking for two cars and sea views.

15, Tudor House O P E N M A R K E T ST. PE T E R P OR T, GUER NSEY 4.2 % Y IELD £7 10,000 Located on the third floor with direct lift access, this apartment is smartly presented and within a short stroll of the High Street in a well regarded development.

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Waterloo House O P E N M A R K E T S T. P E T E R P O R T, G U E R N S E Y 2 ,488 SQ .FT £950,000 Waterloo House dates back to circa 1860 and is a listed centrally located townhouse full of charm and character. A spacious garage is located a short walk away.

Courtil Hemeril O P E N M A R K E T FO R E S T, G U E R N S E Y 1, 800 SQ .FT £695,000

Mayfield O P E N M A R K E T S T. P E T E R P O R T, G U E R N S E Y 6.0% YIELD £795,000 A charming end of terrace period townhouse with generous accommodation, centrally located, all within easy walking distance of the centre of St. Peter Port.

Pen-Y-Bryn O P E N M A R K E T S T. P E T E R P O R T, G U E R N S E Y 3 , 03 1 S Q . F T £ 975 , 0 0 0

Courtil Hemeril is a detached chalet bungalow situated

A wonderful example of a renovated townhouse that has

in a quiet lane enjoying rural views. Externally, there is

all the period features whilst also offering modern living

parking for two vehicles, patio area, garage and lawn.

and situated within a short walk of local amenities.

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OPEN MA RKET GUERN SEY

La Corderie

SO L D

ST. PIE RRE DU BOIS, GUER NSEY A stunning, Georgian property renovated to an exceptional standard.

BY L I VI NGROOM

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The Port House

S OLD

ST. P ET E R P O R T, GU E R NS E Y

BY L I V I NG R O O M

A beautifully appointed and spacious property situated in an enviable position on the Southern outskirts of St, Peter Port. Its elevated position affords panoramic sea views towards Herm and Sark.


OPEN MA RKET GUERN SEY

SO L D

Beaulieu Place

BY L I VI NGROOM

ST. PE T E R P OR T, GUER NSEY A gracious, period townhouse located in the heart of central St. Peter Port - within a short stroll to surrounding restaurants, shops and amenities.

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A peaceful place to dwell

01481 259333 www.create-architecture.com


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Easterbrook ST. PETER PORT, GUERNSEY Easterbrook is located in the highly desirable enclave of Village du Putron. Arranged over two floors, this notably light and spacious 3,111 sq.ft Open Market home is highly deserving of closer inspection.

3,111 SQ.FT 4 BEDROOMS 3 BATHROOMS 0.3 ACRES FOR SALE OPEN MARKET £1,695,000

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Sarum ST. P ETER PORT, GUERNSEY Sarum is discreetly located in St. Peter Port on a private road - offering a secluded and tranquil position yet within a five minute drive to central town. The house has undergone extensive works over recent years and sits within 0.8 acre grounds - with lawns, terracing, parking and two double garages.

4,7 12 SQ.FT 4 BEDROOMS 4 BATHROOMS 0.8 ACRES FOR SALE OPEN MARKET £2,350,000

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Mon Plaisir ST. P ETER PORT, GUERNSEY Mon Plaisir Lodge is a detached, double fronted Georgian home with grand features throughout, double garage and garden. The house offers excellent living space over four floors and located favourably on the Western outskirts of St. Peter Port.

4,585 SQ.FT 6 BEDROOMS 4 BATHROOMS 0.3 ACRES FOR SALE OPEN MARKET £POA

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THE PROOF IS IN THE PUDDING KITCHENS THAT FUNCTION WITH STYLE

Exclusive suppliers of Italian kitchens in Guernsey E admin@cucine09.gg www.cucine09.gg


OPEN & LOCA L MA R KET N EW DEV ELOPMEN T, GUERN SEY

Havelet Waters ST. PE T E R PO R T, G U E R NS E Y


PR O P E R T Y GUERNSEY

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Havelet Waters ST. PE T E R PO R T, G U E R NS E Y PR IC E S FR OM £ 385,0 0 0 TO £ 3 , 5 0 0,0 0 0 Havelet Waters is an exclusive new sea front development in Guernsey, Channel Islands. Luxury Local and Open Market apartments overlook the picturesque Havelet Bay, the offshore islands and historic Castle Cornet, which guards the approaches to St. Peter Port Harbour. Laid out in four distinct blocks, each with its own character and nautical theme, the discerning buyer will find the perfect home to suit their lifestyle. Situated in central St. Peter Port with panoramic sea views bounded by the woodland of Les Val des Terres, this landmark development is just a short stroll from both peaceful cliff path walks and the bustling cobbled streets of Guernsey’s capital with its cafes, world class restaurants, shops, marinas and sophisticated commercial hub. These exceptional homes offer an exceptionally convenient base for St. Peter Port living. Each apartment offers carefully conceived living space, sumptuous quality and seamless style. With the benefit of a modern design and construction a home at Havelet Waters is easily maintained and superbly practical with lift access and secure parking and storage. Coupled with arguably some of the finest views in the Channel Islands, which many of the units enjoy from large terraces or balconies, Havelet Waters is a highly prestigious, iconic development in Guernsey.


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1 CA R R I CK HOU SE, HAVELET WAT ERS, G UERN SEY


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1 CA R R I CK HOU SE, HAVELET WAT ERS, G UERN SEY


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1 CA R R I CK HOU SE, HAVELET WAT ERS, G UERN SEY


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Le

Petit Gardinet

C ASTEL , G U ERNSEY This stunning family home is situated in a secluded woodland location in the heart of Talbot Valley. Custom designed and built in 2006, the property is truly deceptive the 4,738 sq.ft voluminous interior belies the cottage-like facade.

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4 ,738 SQ. F T 4 B EDROOMS 4 BAT HROOMS 2 . 3 AC RES LOCA L MA RKET F OR SA L E £2 , 495 ,000

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La Ferme és Frâses

LO C A L MA R KET ST. SAVIOUR, GU E R N SE Y Introducing an exclusive development of 5 unique new local market homes set in rural St Saviours. The site, formerly known as the Strawberry Farm, is located in the charming quiet lane of Rue des Issues. Please contact our Local Market team on +44 1481 715555 for further information.


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La

Seigneurie

TO RTEVA L , GUERNSEY A stunning 3,912 sq.ft Guernsey farmhouse, situated in a tranquil rural lane above Portelet and Rocquaine bays. Originally dating back to 1550, the property has much historic character and has been extensively renovated and extended over recent years. Externally, the 12.5 acre grounds extend towards Pleinmont headland offering fabulous, panoramic views over the West coast.

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5 B EDROOMS 3 BAT HROOMS 1 2 . 5 AC RES LOCA L MA RKET F OR SA L E £2,500,000

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Le Friquet C ASTEL , G U ERNSEY Le Friquet is a beautiful family home offering well-proportioned and versatile accommodation. Internally, the ground floor comprises sitting room, dining room, conservatory, snug, kitchen/breakfast room, cloakroom and utility room. The first floor offers three double en-suite bedrooms, the primary bedroom with large dressing room and en-suite with stairs leading to an impressive mezzanine bedroom with vaulted ceiling. From the first floor landing, there is access to a delightful balcony overlooking the grounds. Two further bedrooms are located on the second floor, one with an en-suite. An annexe is accessed from the conservatory over three floors, including sitting room, study and en-suite bedroom. Externally, a carriage driveway leads to a double garage with further parking in front and single garage and workshop to one side. The South-facing, sizeable, private garden includes a large fish pond, tennis court, Jacuzzi and terrace.

4,939 SQ.FT 7 BEDROOMS 5 BATHROOMS 0.8 ACRES LOCAL MARKET FOR SALE ÂŁ1,395,000

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ST. PI ERRE DU BOIS , GUERNSE Y A once in a lifetime opportunity at Rocquaine Bay. A once in a lifetime opportunity to create an outstanding dream home in a much coveted frontline coastal location at Rocquaine. La Caunafle occupies an iconic 1.8 acre site comprising period cottage, land and quarry. Planning permission to demolish the existing property and outbuildings and construct a new dwelling with detached double garage has been approved by Planning. For Sale By Informal Tender.

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Les Mares ST. P I ERRE DU BOIS, GUERNSE Y Although listed with multiple agents, Livingroom secured the sale of this beautiful family home in the heart of the rural countryside.

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Au Sommet ST. P I ERRE DU BOIS, GUERNSE Y Au Sommet is a detached family home situated in a rarely available West coast location, elevated above above La Clare Mare Nature Reserve with panoramic views to the sea beyond. The versatile accommodation also retains the ability to create a self-contained unit if desired. The ground floor comprises hall, sitting room, bedroom five, bedroom four, cloakroom, family bathroom, breakfast room, kitchen with AGA, conservatory, utility room, study and a further bedroom with its own front access. The first floor comprises master bedroom with en-suite bathroom, bedroom three, family bathroom and bedroom two. Externally, there is a carriage driveway with extensive parking to the front of the house. At the rear of the property is a well-proportioned enclosed garden complete with lawns, terrace and indoor swim-spa within a glazed structure/entertaining room. A lovely home to suit a broad range of purchasers. Internal viewing highly recommended.

2,824 SQ.FT 5 BEDROOMS 3 BATHROOMS LOCAL MARKET FOR SALE ÂŁ1,195,000

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Les Escaliers ST. MA RTI N, GUERNS EY Les Escaliers is a rare opportunity to acquire a spacious family home set in over an acre in the heart of St. Martin with stables and beautiful, modern detached commercial unit, which is currently used as a therapy and Pilates studio. Located within a short walk of St. Martin’s Primary school, shops and amenities of the village, the main house comprises stylish, newly fitted kitchen/breakfast room opening to the conservatory and sitting room, all with an abundance of glass overlooking and leading to the South-facing enclosed garden. There are three double bedrooms and family bathroom completing the ground floor whilst the first floor offers the primary bedroom with smart en-suite bathroom. Externally, there is a South-facing, private, enclosed garden, single garage and cloakroom, parking for numerous vehicles, two stables, tack room and detached studio. A beautiful home, which also has the option to create dower accommodation, subject to the necessary permissions.

3,253 SQ.FT 4 BEDROOMS 2 BATHROOMS 1.2 ACRES LOCAL MARKET FOR SALE ÂŁ1,350,000

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Idlerocks Villa C ASTEL , G U ERNSEY This superb, coastal home is situated on the Cobo Bay sea front with stunning panoramic views towards Grandes Rocques. Newly constructed nine years ago, the well-proportioned accommodation is laid out over two floors and comprises welcoming entrance hall, integral garage, cloakroom, two double bedrooms, both with en-suite shower rooms, large utility room with plenty of storage and access to a central courtyard to the rear. The first floor has a fantastic open plan kitchen/dining/sitting room which makes the most of the direct sea views, cloakroom, bedroom two with en-suite bathroom and primary bedroom complete with balcony and en-suite bathroom. Externally, there is a workshop/plant room, parking to the front for multiple vehicles, front garden and there is also access around the whole property, as well as a raised patio terrace area to the rear. Internal viewing highly recommended to appreciate this fine home.

2,515 SQ.FT 4 BEDROOMS 4 BATHROOMS LOCAL MARKET FOR SALE ÂŁ1,300,000

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Le

Vieux Menage

ST. P I ERRE DU BOIS, GUERNS E Y A substantial family home in an idyllic rural location in the heart of St. Pierre du Bois. The private, tree lined driveway sweeps round to a courtyard in front of this impressive home set within four acre grounds. Enormous cope to modernise as required.

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4 ,1 4 0 SQ. F T 6 B EDROOMS 3 BAT HROOMS 4 AC RES LOCA L MA RKET F OR SA L E £1 , 495 ,000

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Chestnut Hollow

FO REST, G U ERNSEY Very rarely do we ever visit a property that we never knew existed so to discover Chestnut Hollow was without question a treasured find. One of the most exciting and discreet properties currently available in Guernsey, the sheer rarity is an exciting prospect. Elevated above the beautiful Petit Bot valley and accessed from a private track, this highly unique offering is immersed in nature with tranquil, surrounding woodland and resonating bird song. The 2.13 acre site currently houses an asbestos/timber bungalow with enormous scope to create a dream home subject to planning with a carefully considered approach. A remarkable opportunity for buyers who are in an immediate position to purchase. WWW. L I V I N G R O OM .GG


2 B EDROOMS 1 BAT HROOMS 2 .1 AC RES LOCA L MA RKET F OR SA L E £7 75 ,000

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Davos LO C A L MA RKET ST. P ETER PORT, GUERNSEY This stunning town property is located in an exclusive and elevated location with fantastic views across central St. Peter Port and the Islands beyond.

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OPEN & LOCA L MA R KET N EW DEV ELOPMEN T, GUERN SEY

Braye Gardens, a new lease on life for Guernsey residents aged 55 years and over. Call Sole Agent Livingroom to register your interest.

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Le Camp Joinet ST. A N DREW, GUERNSEY A beautiful, detached Guernsey property. Extensively renovated within the last two years, Le Camp Joinet has cleverly merged character detail with quality modern finishes. Further scope exists to extend into the adjoining barn (subject to planning) to create a self-contained unit/ stunning kitchen/family room with vaulted ceiling if desired. The ground floor accommodation comprises hall, dining room, sitting room with working fireplace, cloakroom and kitchen. The first floor has configured with a bathroom and two large bedrooms. The main bedroom has a staircase which leads to a attic/store/dressing room. Permissions have been passed to install dormer windows in the roof space to create further bedroom space if desired. Externally, there is parking for multiple vehicles together with a superb, West-facing garden with lawns, terrace and Jacuzzi. A fabulous home as stands yet with further potential to add value and personalise as required. Viewing highly recommended.

2,154 SQ.FT 2 BEDROOMS 2 BATHROOMS LOCAL MARKET FOR SALE ÂŁ695,000

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LOC A L MA RK ET ST. MART IN, GU E R N SE Y An immaculate and spacious modern family home. Renovated and extended over recent years, the accommodation is notably spacious with plenty of storage and in excellent order throughout. Externally, to the front of the property is parking for multiple vehicles on a paved driveway with access to the double garage. To the rear is a large, South-facing, enclosed lawned garden and fabulous heated swimming pool, jacuzzi, summerhouse and terrace.

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Coutances C ASTEL , G U ERNSEY A beautiful, traditional Guernsey property situated in a desirable Kings Mills’ location just inland from the West coast. The current owners have painstakingly renovated the property in past years, introducing all the modern amenities one would expect from a family home, yet retaining the character ambiance.

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Aberfeldy VA L E, G UERNS EY A stunning modern family home situated in a central, convenient location - close to Vale, Castel and St. Peter Port amenities. Renovated and extended in recent years, Aberfeldy has been finished to an exceptionally high standard throughout and is offered in true ‘walk-in’ condition. The ground floor comprises entrance porch, hallway, bedroom four, shower room, sitting room with working stove, dining room, superb open-plan kitchen/family room with bi-folding doors to the rear garden and utility. The first floor offers a stunning master en-suite with panoramic rural views. There are two further double bedrooms and family bathroom. Externally, the paved driveway offers parking for multiple vehicles in addition to a double garage. An electric side gate encloses the rear of the property for children and pets. The rear garden is mostly laid to lawn with a paved area for alfresco dining and beautiful woodland beyond. A truly lovely and spacious home.

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Earn up to

with the 12 months Fixed Deposit Account

Discover more ways to save with FNB Channel Islands. More interest, more access to your money and a more personal service.

To learn more contact Andy Chamberlain 01481 748127 or Rory Richards 01481 748106 For more information visit www.fnbci.co.uk FirstRand Bank Limited Guernsey Branch trading as FNB Channel Islands is licensed and regulated by The Guernsey Financial Services Commission.

*Annual Equivalent Rate.

Terms and Conditions Apply FirstRand Bank Limited Guernsey Branch t/a FNB Channel Islands is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for ‘qualifying deposits’ up to £50,000, subject to certain limitations. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details are available on the Scheme’s website www.dcs.gg or on request.


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La Petite Marette ST. M A RT I N , GU E R NS E Y A magnificent modern family home situated in a much coveted and desirable location on the approach to Icart Point.

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3 ,267 SQ.FT 6 BEDROOMS 3 BATHROOMS 0.6 ACRES LOCAL MARKET FOR SALE £ 1,500,000


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Les Romains ST. SAM P SON, GUER NSEY This spacious, detached farmhouse and adjoining cottage is situated in a quiet lane within the heart of St. Sampson. Dating back to the 1300s, the property has been renovated in recent years and offers a great solution to multi-generational living.

2,77 1 SQ . F T 4 BE D ROO MS 4 BATHRO O MS 2. 4 AC RE S LOC A L MAR K E T F O R SA L E £1, 3 0 0,0 0 0

L’Orvilliere ST. PIE RRE DU BOIS, GUER NSEY This beautifully presented farmhouse dates back several hundred years and was the original Randalls Brewery. Situated in the heart of rural St. Pierre du Bois, L’Orvilliere has been modernised in recent years to offer stunning family living space with boundless character including exposed beams and feature vaulted ceilings.

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TH E G U E R N S E Y T EAM LIVINGROOM

The Guernsey team Livingroom combines internationally recognised world-class marketing, a focus on client service and more than 150 years of group knowledge to best present its properties locally, nationally and internationally. We are not just another estate agent; we are an ethical, award-winning company bringing an inspired customer experience to the Channel Island property market.

“Whether selling or buying a £100k studio or a £25m mansion – every client is important. Our clients are loyal to Livingroom because of the quality of service they receive and the level of innovation we apply to marketing, letting and selling homes.”

CONTACT +44 1481 7 15555 INFO@LIVINGROOM.GG LIVINGROOM.GG LIVINGROOM HOUSE, NORTH CLIFTON, ST. PETER PORT, GUERNSEY, GY1 1JR. L I V I N G R O O M .G G


SIMON TORODE CEO, Founder

JASON HYLAND Open Market Director

AMANDA DUKE Open Market Residential Sales

SOPHIE TURIAN Local Market Residential Sales

EMILY ROWE Local Market Residential Sales

JUSTINE SMITH Local Market Residential Sales

RHYS OGIER Local Market Residential Sales

SARAH FROOME Residential Sales & Lettings

DANIELLE FERBRACHE Residential Sales & Lettings

KIRSTY HART Business Support

JO WINBERG Business Support

KARINA DE CARTERET Group Business Support

TOBY LE RAY Creative

TOM COULE Creative

OLIVER STENNING Creative

SARAH GAUDION Group Financial Controller

DAN GALLIENNE Orchard PR

PETER HARRIS Group HR


Profile for Livingroom Estate Agents

Locate Guernsey Virtual Showcase 2020 - LIVINGLIFE in Guernsey 2020 by Livingroom Estate Agents  

A very warm welcome to Guernsey by the team at Livingroom Estate Agents. The Channel Islands are beacons of stability and security which has...

Locate Guernsey Virtual Showcase 2020 - LIVINGLIFE in Guernsey 2020 by Livingroom Estate Agents  

A very warm welcome to Guernsey by the team at Livingroom Estate Agents. The Channel Islands are beacons of stability and security which has...

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