Places Edition 104

THE BEST PLACE TO FIND A NEW PLACE IN JERSEY

Jersey’s only specialist property magazine & portal | #104 | June 15th 2014

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HIDDEN TREASUREUnique, private and welcoming. La Renaissance is

not only a hidden treasure; it’s a fi ne rural residence boasting exquisite views of the surrounding seascape

ONLINE, ALL THE TIMEView the latest local properties for sale at

www.places.je night or day any day of the week

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FEATURED LISTINGSFeatured Sales ...........................................4Featured Rentals ....................................23

FEATURES Property Profi le: Hidden Treasure ...14Skipton : Local Mortgages ..................16Ogier: Make Moving Easier .................18Finishing Touches ...................................22 JECC Update ............................................22Directory .....................................................24JEAA Comment ..................................... 26

AGENT LISTINGSDandara ........................................................6Moore Properties ......................................8Le Gallais Estates .....................................9 Red Properties ......................................... 10Wilsons .........................................................12Choice Properties .................................. 20

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811100

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ST CLEMENT £275,000 LIVE BY THE SEAA beautifully presented purpose built apartment set in prestigious seafront building. The interior has been completely renovated to the highest standard with natural stone flooring and under floor heating, a well-designed kitchen area with granite work tops and clever use of storage to create a seamless and attractive finish. A separate bedroom area with fitted wardrobes and tasteful en suite shower room. The main feature of this most desirable apartment is the breath-taking sea view. There is direct access to the beach for healthy strolls. The property would suit persons requiring a luxury ‘pied-a-terre’, either scaling down or wanting to get on the property ladder.CHOICE 620620

ST PETER £2,250,000COUNTRY LIVINGSituated in the heart of the countryside surrounded by 8 vergees of beautiful grounds, this charming period granite country home dates back to the 17th century and offers spacious and versatile accommodation and the upmost degree of privacy. The property could easily be developed into a 2/3 generation home or could be a single residence. The main house currently functions as 2 independent dwellings, if required and there is a detached outbuilding across a courtyard which offers a modest 2 bedroom cottage and storage.SAVILLS 722227

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ST MARTIN £2,350,000A HOME FOR LIFEA beautiful cod house of grand proportions dating from the early 1800’s. Formerly a local school this charming home has changed hands just 3 times in it’s lifetime. Surely a testament to a happy home! Lovingly restored over recent years the current owners have created a wonderful family environment. Reception rooms are of grand proportions with high ceilings and original plaster coving throughout. A beautiful sweeping staircase typical of the period takes you to the top two floors housing 5 very good size bedrooms with 3 bathrooms. The large, sunny gardens are reminiscent of a parkland setting, are private, safe and enclosed with ample space for a swimming pool if required. RED 710710

TRINITY£1,985,000 PEACE & QUIETDiscreetly located at the end of a small quiet lane and totally private, this substantial former farm is surrounded by agricultural fields and set in the heart of Trinity. Parts of the house date back to the 1700’s though the entire property has been totally renovated to offer a large family home with well proportioned rooms and a staff or guest cottage. The south facing landscaped gardens are beautifully maintained and offer a variety of attractive mature planting and a large heated swimming pool and summer house. LE GALLAIS 766689

St Clement

£2,200,000 QUALIFIED

Large Gardens & TerracesTriple Garage & Workshop

Stunning Sea ViewsHeated Swimming PoolPrivate Driveway

4 3

St Helier

£220,000 QUALIFIED

Quality ApartmentsChoice of 6Communal Garden

Open PlanIdeal First Buy

1 1

St Helier

£380,000 QUALIFIED

10.Uplands CourtLast Remaining Apt.New Development

Upper FloorLarge BalconySeparate Utility

2 2

St Brelade

£535,000 QUALIFIED

Detached HouseSingle Garage & Parking

Very Well PresentedClose To Railway WalkNo Onward Chain

3 3

St Helier

£265,000 QUALIFIED

Ground Floor ApartmentWest Facing Patio

Buy To Let PotentialLarge Kitchen Living Room

2 1

St Helier

£220,000 QUALIFIED

Upper Ground FloorNo Onward ChainSeparate Kitchen

Walk To WorkOpposite Park

2 1

St Helier

£479,000 QUALIFIED

Detached Property3 Beds, 1 Bath, CloaksGarage & Parking

Enclosed GardenWell Presented

3 1

St Helier

£252,000 QUALIFIED

First Floor ApartmentDirect Beach Access

Rented Parking SpaceWalk To Town

1 1

St Helier

£189,000 QUALIFIED

Second FloorCentral LocationWell Presented

Rented Parking SpaceNo Onward Chain

1 1

GROUVILLE

£395,000 FREEHOLD, QUALIFIED

1

3

1

In Need Of Modernisation3 BedroomsGarage & GardenPopular LocationClose to the ShopsExcellent Bus Route at Hand

ST SAVIOUR

£1,395,000 FREEHOLD, QUALIFIED

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Prestigious Family HomeConveniently LocatedGenerous Lawned GardensHeated Swimming PoolTwo Double GaragesBalcony From The First Floor

ST HELIER

£950pcm QUALIFIED

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Located at Harve des PasPurpose Built ComplexSecond Floor FlatRegret No Children or PetsRef: 858J Available 1st AugustPrivate Beach Access

ST HELIER

£345,000 FREEHOLD, QUALIFIED

2

2

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Fabulous Starter HomeModernised ThroughoutWell PresentedLocated Minutes from TownEnclosed Patio GardenResidents Parking

ST HELIER

£225,000 SHARE TRANSFER, QUALIFIED

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1

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Well PresentedPrivate Outside AreaOpen plan kitchen/livingParking for one carTown location

GROUVILLE

£1,650pcm QUALIFIED

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2

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Views Across Grouville BayRegret No Children Or PetsSpacious with BalconyRecently DecoratedDesignated Parking SpaceREF; 808S Available Now

call: 766689 email: [email protected]

call: 766689 email: [email protected]

WWW.LEGALLAIS.CO.UK15 BATH STREET • ST HELIER • JERSEY

NEW PRICENEW PRICENEW PRICE

St Brelade Rf1146 £895,000

Freehold, Qualified34

This substantial, detached and imposing family home is situated in a small, select close of similar executive properties.

Most conveniently located close to the shops and amenities at Red Houses, Les Quennevais Sports Centre, school, golf course, railway walk and St Brelade’s Bay!

The spacious 4 bedroom, 3 bathroom accommodation is in need of a little updating but occupies a good sized, corner plot with an integral double garage, ample further parking and good sized, enclosed VERY PRIVATE gardens.

With NO ONWARD CHAIN, early viewing is highly recommended.

SOLE SELLING AGENT.

NO ONWARD CHAIN

St John Rf1145 £1,500,000

Freehold, Qualified44/5

A beautiful Jersey farmhouse dating in parts, back to the 18th century, which has been enlarged and completely refurbished to an extremely high standard.

The property is situated in the heart of St Johns countryside but within easy distance of local amenities, there are three large reception rooms and a delightful kitchen/breakfast room opening out to the good sized mature gardens and swimming pool.

The accommodation is extremely flexible and could be used easily as a large 4-5 bedroom house or a 3-4 bedroom house with an integral one bedroom flat ( with it’s own entrance ). There is a good sized double garage and ample parking.

REFURBISHED THROUGHOUT

St John Rf1054 £549,950

Freehold23/4

This well maintained 3/4 bedroom, 2 bathroom family home is located in a select development of similar properties set in a delightful rural location bordering agricultural fields.

The bright and spacious property offers contemporary accommodation with a practical layout, perfectlty suited as a family home. The ground floor accommodation includes a fabulous eat in kitchen, large well appointed living room with patio doors to a safe enclosed garden, utility room leading to the garden and a cloakroom with W.C.

There are also 3/4 good sized bedrooms and 2 bathrooms including a super master bedroom suite on the top floor. The property has 3 parking spaces and there are dedicated visitor spaces within the development. NO ONWARD CHAIN. SOLE SELLING AGENT.

St John Rf822 £895,000

Freehold, Qualified24

Situated on a large plot in rural St John this lovely bungalow has recently been refurbished and is available for immediate occupancy.

There is a large south west facing garden and the property also benefits from an equine paddock and purpose built stables. The accommodation briefly comprises:- large sitting room, newly fitted kitchen, dining area, conservatory, four double bedrooms and two bathrooms.

Outside there is a carport, a purpose built store shed and parking for eight cars.

PADDOCK & STABLES

NO ONWARD CHAIN

St Helier £389,000

Duplex apartmentQuality finish throughoutBalcony with town viewsLarge loft area

2 2 2

Grouville £465,000

Single garage Kitchen/Breakfast roomWalking distance to beach and golf courseEast facing garden

3 1 2

St Helier £475,000

Utility room 2 Reception roomsSouth facing garden areaNo onward chain!

4 2 2/3

St Saviour £1,395,000

Detached family home 3 Large receptionsFamily kitchen & conservatoryHeated poolGardens & sun balcony

4 3 8+

St Ouen £459,000

Quiet, rural locationQuality contemporary finishLarge private verandaViews over orchard

3 3 2

St Lawrence £1,650,000

Detached granite farmhouse3 Good receptions2 Bed cottage wingLawned garden plus 10 vergee field

4 3 12

St Clement £469,000

Spacious purpose built30’ living/dining roomPrivate sun terraceClose to beach

2 2 2

St Clement £1,675,000

Contemporary family residence3 Receptions, plus large utilityLawned garden, gated entry7 1/2 vergees of own land

5 4 6

St Helier £235,000

Sea Views South facing balconyLow service charges Close to town centre

1 1 0

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St Saviour £2,550,000

Approached via its own private driveway with large lawned gardens and grounds the property has in recent years, been extensively redeveloped at most considerable expense to now provide an appealing family home, whilst offering still further potential.

Featuring a stunning family kitchen/living room complex with a top quality fit-out, 3 bedroom suites at first floor level, with provision for completion of a further 2 bedroom suites at second floor level.

Additionally there is an integral 2 bedroom cottage wing.

St Ouen £2,495,000

Superbly designed contemporary home of dynamic and cutting edge architectural design. The property commands a sunny Westerly outlook over St Ouens Bay and benefits from being adjacent to the St Ouens Bay Coastal Park conservation area, with direct access to the dunes.

A large (2/3 acre) site, providing large grassland areas and approached via its own gated entrance.

The high specification accommodation includes, 4 receptions, eat-in kitchen, 5 bedrooms & 4 bathrooms. Additionally, the benefit of a current planning permit, to create a further 1,500 sq ft of accommodation.

St John £3,250,000

Approached via its own long private driveway, this lovely traditional country home has been fully modernised and stands surrounded by unspoilt open St John country side and protected by some 17 vergees of its own agricultural land and gardens, tennis court and heated pool.

There is a substantial detached (two Storey) granite out building, together with a self contained 3 bedroom cottage. Offering an excellent accommodation, featuring a stunning sitting room with vaulted ceiling, 2/3 additional reception rooms, 6 bedrooms and a spacious integral self contained guest wing/office.

St Saviour £3,750,000

Granite residence standing within several vergees of exceptional gardens and grounds, tennis court, outdoor heated pool, and adjacent leisure pavilion. Whilst enjoying a quiet and private rural location, is exceptionally conveniently located, being within walking distance of several of the island`s principal schools.

Accommodation includes 4 reception rooms, 5/6 bedrooms and fully modernised cottage, ideal as a guest or staff unit. Grounds which are superbly stocked, include an arboretum, established lawns, an ornamental fish pond, fruit and produce garden areas and sunny leisure areas.

A circular gravelled driveway serves the property.

St Brelade £2,500,000

This exclusive residence has just been totally redeveloped to provide a superb home with an excellent range of spacious and accommodation. The property is South facing, commands magnificent elevated views over surrounding woodlands and headland. The property also benefits from being within easy walking distance of good quality restaurants in St Brelade`s Bay.

Accommodation includes 5 bedrooms, 4 bath/shower rooms, family kitchen/dining room, large sitting room, study and spacious integral ground floor office suite / guest wing. Automatic gates leading to a large parking forecourt and newly landscaped surrounding gardens with sizeable South facing full length sun terrace.

Grouville £2,400,000

Tastefully restored original Jersey farmhouse, dates back to the 17th century and possesses many fine original features. The house is approached via a gravelled driveway and is set within sizeable gardens and grounds, extending to in excess of an acre, with a newly installed pool and a club sized Savanah surface hard tennis court.

The luxurious accommodation includes 5 double bedrooms, 5 bathrooms (4 en-suite), together with 3/4 reception,playroom and a magnificent family kitchen. Additionally there is an attached fully self-contained 2 bedroom guest cottage/letting unit.

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La Renaissance, St ClementPRICE: £2,200,000 QUALIFIED

A fine rural residence with exquisite views4 bedroomsStudyMains water/three phase electricity/soakaway drains/oilfired central heating/bottle gas for cookerAll double glazed windows recently replacedLarge gardens and terracesPrivate driveway approachQuiet rural locationTriple garage and workshopHeated swimming poolStunning sea viewsAgricultural land in the shape of an adjoining 4.6 vergee field

CONTACT:Moore Properties Sole Agents

www.mooreproperties.co.uk01534 880544

Nestled on a hillside and approached by its very own driveway, it’s here that you’ll stumble upon more than just a change of scenery; in fact, you’d be hard pressed to fi nd a more secluded setting.

Extended and enhanced by the current owners, the property now stands as a stunningly tranquil four-bedroom home. Inside is a palette of warm, unexpected colours, pretty wood paneling, exposed beams and rustic stonework – the perfect space in which to entertain an abundance of guests.

Despite its 1980’s date stone, which is clearly displayed above the grand arched doorway – possibly one of the residence’s most prominent features – the house has a certain historical integrity to it. With its spacious entrance hall and impressively high ceilings, it’s chic yet understated and cosy without being fussy. La Renaissance emanates charm and personality and with its Brittany style, you can’t help but feel a little of France’s glorious past shine through.

Blessed with sweeping views of the idyllic French Coast, the house is surrounded by nature, which certainly makes it appear a little on the rustic side, yet due to it’s enviable location, it’s just a stones throw away from civilization.

The garden, a mélange of turreted gazebos, trees and plants, is an ideal observation spot and the perfect place in which to watch the world awaken. Secret walkways lead o� to its many furtive areas, including the sunken, picturesque heated swimming pool with paved surround and adjacent sky blue pumphouse, similar to that of a quaint bathing box. The exquisite grass orchard boasts a scattering of established apple and cherry trees, whilst the bordering hedge creates the illusion of a tranquil retreat. Additionally to this is a 4.6-vergee fi eld, which ensures the protection of the superb surrounding panorama.

Adjoined to one part of the house is a newly installed garden room. With its terracotta style fl ooring it boasts a traditional façade, yet modern fi xtures such as an electric panel and automated temperature controlled power roof vents bring it straight up to date.

The kitchen, with its custom-made oak cabinetry exudes a kitschy-vintage charm and features a granite archway that allows the cook to keep an eye on guests. In here, you’ll fi nd an array of decorative accents in the shape of marbled granite counters and a retro copper cooker hood – pleasantly reminiscent of an earlier time.

The most rustic-chic touch however is the wall treatment adjoining the lounge and dining area, which reveals exposed stonewalls, a quaint seating area and a working fi replace with granite surround and wood lintel. Sliding patio doors bring a little of the outdoors inside and o� er easy access to the sun-drenched orangery and garden – the perfect spots in which to indulge in a little indoor or alfresco dining with friends.

There are two wings to this house, one of which, with its ample storage, guest suite and sitting area, could easily be transformed into multi-generational accommodation.

The other features the master bedroom, which sits to the east of the house and invites potential buyers to enjoy an abundance of Jersey’s beautiful sunrises and stunning sea views. The recessed spotlights, fi tted triple wardrobes and feature beams o� er the perfect balance of old-world charm and modern-day comfort.

Adjacent to the master suite is the bathroom, complete with ‘his and her’ basins boasting granite surrounds and contemporary fi xtures in the shape of television and telephone points. Downstairs is an additional shower room and an asset to those who often have guests to stay, especially those who wish to use the pool area.

This level is also home to a dressing room with under-eaves storage and east facing windows, it could easily however be transformed into a nursery or alternatively, a sizable walk-in wardrobe.

From the property’s many outer buildings, which comprise a convenient garden store, a double garage and workshop – block built with traditional oak framed design and fi nished with a cupola weather vane and feature clock – to its inner charm, where attention to detail is key – La Renaisance is a must see for anyone wishing to invest in a house fully renovated to a high standard.

La Renaissance is an ideal option for homeowners searching for a property encompassing privacy, land, added charisma and exceptional sea views.

UNIQUE, PRIVATE AND WELCOMING. LA RENAISSANCE IS NOT ONLY A HIDDEN TREASURE; IT’S A FINE RURAL RESIDENCE BOASTING EXQUISITE VIEWS OF THE SURROUNDING SEASCAPE.

INSIDE IS A PALETTE OF WARM, UNEXPECTED COLOURS, PRETTY WOOD PANELING, EXPOSED

BEAMS AND RUSTIC STONEWORK – THE PERFECT SPACE IN WHICH TO ENTERTAIN AN ABUNDANCE OF GUESTS

16

The UK started a Mortgage Market Review (MMR) in 2009. It’s well known that a catalyst for the recent worldwide recession was the sub-prime market in the USA –where high-risk mortgage loans were approved for people without proof of income. When people couldn’t a� ord their loan repayments, this built up to be a large bad debt problem which had repercussions not just for the individuals who lost their homes, but for the banks and other institutions involved.

In the UK, whilst the situation wasn’t as severe as the USA, some bad practice still took place and so it was decided that a regulatory framework should be brought in to constrain high-risk lending.

The review took four years but the new regulations came into e� ect on 26th April of this year. One of the main changes is that lenders must now take more responsibility for assessing if a customer can a� ord the loan. Also, interest-only loans are much harder to obtain. Pre 2009, there was evidence of mis-selling going on in the mortgage industry and interest-only mortgages were approved purely from an a� ordability anglewith very few questions asked about how the capital was going to be repaid. It was like a car crash waiting to happen.

There is no doubt that a tightening of rules is a good thing if it encourages responsible lending. At Skipton International we have always emphasised the importance of lending responsibly and that has been proven in our incredibly low default rate.

There is no point in giving a mortgage to somebody who will run the risk of losing their home a few years down the line.

A� ordability also means facing up to the fact that interest rates are at a record low and the only way is up, increasing mortgage customers’ monthly payments. The debate over when the interest rates are going to start rising is hotting up with increasing signs of an economic recovery, and a reduction in unemployment putting pressure on the Bank of England Governor, Mark Carney.

So how is this a� ecting Jersey? Some lenders will follow their UK parents and so their mortgage application processes have changed. Whilst it’s a positive that more safeguards will be brought in, it is slowing down the application process, particularly for the next few months as the system settles.

At Skipton International our lending criteria hasn’t changed too much because we have always lent responsibly and because we are a Channel Islands’ bank Improvements included in the Review have indeed been long standing practice

for Skipton International. We also now have a dedicated mortgage manager in the island, Lorraine McLean, who can arrange a face-to-face meeting at relatively short notice, and then pass the application on to our local underwriters. Because we are local we understand the local situation and have always been adaptable and responsive.

More responsible lending is a good thing for all of us as whilst we all want to own our own home, taking on a mortgage which isn’t sustainable will make it an unpleasant and

expensive experience. It will also hopefully help protect our fi nancial system from the sort of bad debts which built up in 2008 and tipped us all into a recession.

JERSEY MORTGAGE MARKET

The UK’s Mortgage Market Review might not apply directly to Jersey, but Nigel Pascoe, Director of lending, Skipton International, explains it is having an impact.

For further information call Skipton International on 730730

AT SKIPTON INTERNATIONAL OUR LENDING CRITERIA HASN’T CHANGED TOO MUCH BECAUSE WE HAVE ALWAYS LENT RESPONSIBLY AND BECAUSE WE ARE A CHANNEL ISLANDS’ BANK

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However, it can also be a worryingly expensive time.

There is something of a temptation to accept the lowest quote for legal fees when you are looking to buy or sell a property. However, what seems to be the cheapest quote may not always be the best (or even the cheapest in the end!).

It is important to ensure that your legal quote covers everything that might be involved to ensure you don’t get any nasty surprises in your final statement.

Advice for sellersWhen you are selling, your lawyer is likely to agree to a fixed fee upfront. Sale fees are generally less than purchase fees and you may get the best deal from the lawyer who acted when you bought.

If you are selling by share transfer there may be other costs to consider, for example there may be a small cost for obtaining up to date company documentation from the JFSC and the company secretary may charge for assisting you.

In the unfortunate event that a neighbour needs to be party to your sale they will usually obtain advice from their own lawyer who will charge a fee.  It is normal for the seller to bear these costs unless the lawyers who acted previously made an error in not addressing a defect and are therefore responsible to pay these fees. 

Given that freehold and flying freehold properties in Jersey are bought and sold on a Friday in front of the Royal Court, some clients are not able to be present when their sale completes, however you can appoint your lawyer as your attorney. Preparing a power of attorney should not be expensive and is often not subject to a fee charge. You will however have to pay stamp duty of £60 for registering a power of attorney.

Advice for buyersThere is generally more legal work involved when acting for a buyer than for a seller. A purchase fee will therefore be higher than for a sale.

Again, your lawyer is likely to agree to a fixed fee upfront, based on various things including the value and complexity of the transaction and whether additional work such as equity agreements or wills are required.

There will need to be enquiry letters and you should allow approximately £350 for this. Essentially, if the buyer is financing the transaction with the assistance of a loan, then the enquiry letters usually have to be done in order to enable the buyer’s lawyer to satisfy various questions asked of him by the lender. In any event it makes good sense to make these enquiries.

Assuming that there is to be a mortgage on the property, the buyer must also pay their lender’s legal fees. Remember that you will also need to obtain your Registration Card for the transaction from Social Security of the Population Office.

If you are buying a property with another person it is sensible to protect each other. There may be an additional fee for an equity agreement as these can be complex documents.  You should check whether the cost of preparation is included in the fixed fee quote.

Stamp duty is a significant cost that you will need to factor into your calculations. Your lawyer will advise how much you need to allow but it is worth noting that stamp duty is charged on both the purchase price of the property and at a rate of ½% on the mortgage.

The mortgage lender for the property will also require a minimum of a basic valuation survey which it is your responsibility to pay for.

SummaryAlways try to obtain an “all inclusive” fee quote.

Whilst price is important there are other factors to consider. You should choose a lawyer who will take the time to update you, take your calls, return your e-mails and make sure that you fully understand everything.

Seek recommendations from others and never make the choice based solely on price.

For an informal chat call Ogier’s property team on 504056 or visit us online at www.ogierproperty.com

Ogier's Property Law team prides itself on our promises to you:

1. We make it happenWe make sure the process is as stress-free for you as possible giving you peace of mind that your property transaction will complete on time.

2. We will give you a quality serviceWe provide guidance and support to you throughout the process. Our approachable professionals have the expertise and experience to handle all levels of transactions. We take a proactive approach and should problems occur we find solutions.

3. We will give you value for moneyWe put your best interests first. Our quality service is efficient and effective so we save you time and money.

All the best for your house hunting!

Buying a new home brings excitement regardless of which rung of the property ladder you are on.

TALK TO US

01534 620620www.choicejersey.com

• Detached family home & fl at• 3 Reception rooms• 25’ Kitchen/breakfast room

• Open views across countryside• Double garage & good parking• Beautiful garden

St Lawrence £895,000

4+1 3

• Detached granite house• Coast & country views• 33’ Kitchen/family room

• 38’ Sitting room with granite fi replace• South garden & separate allotment• Quiet country location

Trinity £995,000

4 2

• Superb detached family house• Perfect for entertaining• Elevated views over open fi elds

• Terraces, garden & orchard• Gated driveway entrance• Excellent condition throughout

St Saviour £1,300,000

4 2

SOLE

AGENT

SOLE

AGENT

22

FINISHINGTOUCHES

THE PERILS OF A POORLY MAINTAINED ROOFWhat early signs of roof damage should homeowners look for?It is a good idea to start with the obvious; can you see water entering the home unannounced? Before we lay blame on the roof, though consider if there are obvious signs of plumbing issues but if not, then it is possible that the roof is the culprit.

What can the homeowner do themselves?That fi rst inspection can be done by the homeowner without the need for ladders or scrambling up onto the roof itself, something never to be recommended. Externally, pitched roofs can be viewed from the ground and damage or wear and tear will likely be obvious. Flat roofs can be a little more problematic but in most cases there will be a window overlooking the roof from which to inspect the condition.

Is now a good time to call in the experts?If you cannot see the cause or you can, and work clearly needs to be done, then yes, a JeCC member with the right tools, equipment, insurance and skills. To reiterate, it is never a good idea to be climbing over your own roofs. It is a job for a professional or a character in a bad sitcom! In addition, the DIY approach will see work taking take twice as long and end up looking less than excellent. Not ideal when considering one of our most valuable assets.

What roofi ng problems will we mostly face?Older fl at roofs tend to be covered in felt and fi breglass which has a shorter life than the materials used now so the work could well just be a process of updating and general maintenance. Seams have often failed, the cause of the water ingress, and standing water can accelerate any problems. Both fl at roofs and pitched roofs are prone to the build-up of leaves in the gutters and outlets which can lead to blockage and pitched roofs can, again over time, su� er the excesses of high winds or falling branches.

Are those pretty, wild fl owers an issue?Put simply, yes. Weeds have roots that grow and will open up tears or small spaces and gaps to increase their capacity to grow. Pretty but ultimately quite destructive. Moss will attract dirt build-up which also can create an issue if left to its own devices.

The professionals are in, then but what preventative measures should I have taken?Each spring, homeowners who can access hoppers and gutters safely should carry out cleaning to prevent blockages.

It’s also advisable to check after storms. Regular visual inspections allow the homeowner to take note of issues that need expert attention when they are small problems rather than waiting until the outdoors suddenly becomes the indoors.

Tea Light Holder The White Company

£6

Photo Frame Pebble

£33

Clock Elizabeth Howell

£78

Jug Elizabeth Howell

£60

Silver Decorative Bowl Mark Howe

£20

window overlooking the roof from which to inspect the condition.

Is now a good time to call in the experts?Is now a good time to call in the experts?If you cannot see the cause or you can, and work clearly needs to be done, then yes, a JeCC member with the right tools, equipment, insurance and with the right tools, equipment, insurance and skills. To reiterate, it is never a good idea to be skills. To reiterate, it is never a good idea to be

Tea Light Holder The White Company

Clock Elizabeth Howell

Elizabeth Howell

St Mary £3,500pcm

5 3 Q

01534 710710

Available Furnished or UnfurnishedConveneint Location In St Mary’s VillageSouth Facing GardenFabulous Kitchen Breakfast RoomParking For 3 Vehicles

St Clement £1,700pcm

3 1 Q

01534 620620

Fitted kitchenClose to beachGarage & parkingSafe enclosed patio areaAvailable immediately

St John £1,600pcm

2 1 Q

01534 766689

Qualifi ed PropertyVictorian CottageRural Location with Private GardenUnuitable For Pets & Young ChildrenAvailable Now

St Clement £2,950pcm

4 3 Q

01534 880544

Detached BungalowGarage Garden with JacuzziWalk To BeachQualifi ed

St Brelade St Clement£1,800pcm £2,580pcm

2 42 2Q Q

01534 766689 01534 766689

Qualifi ed PropertyClose To BeachCommunal GardensTwo BalconiesUnder Cover Parking For Two Cars

Qualifi ed PropertySpacious Rear GardenGarage & Ample ParkingChildren Welcome But Regret No PetsAvailable 1st August

FEATURED RENTALS

St Helier St Helier£3,500pcm £1,700pcm

5/6 44 3Q Q

01534 710710 01534 710710

Versatile 2 Generation PossibiltiesCentral Island LocationModern Recent RenovationLarge GardenDouble Garage With Plenty Of Parking

Spacious town houseRecently builtCentral, quiet laneGarage and GardenAvailable from the 1st August

St Martin £900pcm

1 1 Q

01534 880544

2nd Floor ApartmentGorey HarbourGood Bus RouteAvailable ImmediatelyQualifi ed

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directory listingsBuilding ContractorsAC Mauger Construction 744281AC Mauger Special Projects 744281Kalmac Ltd 486030Style Group Ltd 744281Keystone Builders Ltd 859216Style Group 744281Camerons Ltd 725417David Ward Building Contractors 485754

Finance & Mortgage LendersAcorn Mortgages 618628Actus 766620Alexander Forbes 837837Barclays Bank 812000Black Horse O� shore 514700Cherry Godfrey 711666Close Finance 737341European Insurance Brokers 833733Home Buyer Financial Services 754444HSBC 0845 7662255Jersey Home Loans 877833Lloyds TSB Bank 08456 025002Lombard Finance 824824Mortgage Shop 789830Natwest O� shore 282828Royal Bank of Scotland 285200Synergy Financial Services 750600Skipton 730730

Insurance CompaniesEasy Insurance 849000Insurance Corporation of C.I. 700200Jersey Mutual Insurance 734246CCV Insurance 702777Reed Insurance 835200Rossborough Group 500500

Project ManagementBridgewater Project Management 866433

Removal CompaniesA Class Move 625334Asco Move & Store It 866644Carlton Carriers Ltd 725625Country Removals 865905Fetch & Karrie 866914Good Moves Ltd 769086Grafters 811114Isle Move It 610658

J&M Removals 879839Le Cornu Removals 780724Phillips International Removals 485817Papaduts Removals 728155Pinel Carriers 722544Pickfords 731251Prestige Removal 510564Profreight C.I. 730344R&R Removals 873932Top Move 485901U-Store 499898White Company PLC 484002

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

SurveyorsAndrew Arthur 483808Garfi eld-Bennett Building Surveying 856437Gary Le Feuvre 888511Geo� rey Wills 285192Peter Bridle 727825Peter Mercer 854410Reynolds Chartered Surveyors 736226Sarre & Company 888848ABS Consultants Ltd 731361

Utility CompaniesEsso Petroleum 826800Jersey Electricity 505460Jersey Gas 755500Jersey Post 616616Jersey Telecom 08007 352500Jersey Water 707300Newtel Solutions 506400

Interiors / FurnitureDavid Hick Interiors 865965Bauformat 869111Beaumont Home Centre 822822Bijou Aux Eclat 852212

Channel Blinds 484141Channel Shutter & Door Co. Ltd 285916Coastline 744233Colins and Hayes 01424 720027CP Sunblinds & Curtains 768141Creative Window 744942David Hick 721162deGruchy Furniture Department 818731Emess Lighting 872772Glow Furniture 639777Homemaker Furniture Department 879822Jersey Electricity 505587Jersey Oak 07797 888782Laid Flooring 866536Morton & Morton 726222Mypad.je 633084

ArchitectsAmarchitects Ltd 736728Andrew Harvey Architects 869291Arkitecture Ltd 852306Axis Mason Limited 870137Barnes & Collie Ltd 733100BDK Architects 768740Derek Mason Architects Ltd 880488Design Plus 639773Dyson & Buesnel Architects 880861Elliott Design Partnership 630868Gallaher Architects 724394Godel Architects 486050Jane Faulkner Architects RIBA 498176Julie Temple RIBA 498176Michael Bravery 631312Naish Waddington Architects Ltd 766788Nigel Biggar & Partners 731391PAGE Architects Ltd 869054Peter Winn Associates Ltd 874603Richard Le Sueur Architects Ltd 626876TSAssociates 481743Vaughan Jelley & Son 733535Wildbore Hands Ltd 605087

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

House ClearanceMorley’s Clearances 529955

26

THE ASSOCIATIONNews from the Jersey Estate Agents’ Association

WORDS Marcus Matthews & Shelagh MarettJoint presidents, Jersey Estate Agents’ Association

SHARE TRANSFER PROPERTY

The Jersey Estate Agents’ Association is committed to raising the standards in estate agency in Jersey. For reliable information please see our list of members on this page or visit our website at www.jeaa.co.uk

Buying share transfer property differs from buying flying freehold or freehold property in that the transaction does not have to be registered in the Royal Court of Jersey, by way of a Deed of Conveyance.

With share transfer you are effectively buying shares in the company that owns the property and acquiring the specific shares that relate to the part of the property that you are purchasing, by way of a Share Vending Agreement. Ownership of the shares gives you exclusive occupation and use of that property.

A share transfer transaction is more involved because it involves not only checks on the property by way of title checks and survey, but also checks on the company to ensure that the books and records are in order and that the company is of good standing. This could hold up any potential sale if the books and records have not been kept up to date. Not only can this result in a delayed sale, but in some cases, additional costs to get the books and records updated, or worst case scenario cause the purchaser to pull out of a sale.

By law, every company has to keep records detailing the names of shareholders, directors, company secretary and any decisions made by its shareholders and directors by way of minutes. Thus, the minute book, share register, share certificate book, registers of directors and secretaries and the financial statements should be kept up to date so that any relevant issues can be identified and if necessary updated and/or rectified.

HELPFUL HINTS FOR VENDORS OF SHARE TRANSFER PROPERTY

If one of the shareholders is acting as Company Secretary, ensure that all books and records are kept up to date and that any minutes or special resolutions have been recorded correctly;

If the property is managed, ensure it is a reputable company who will carry out the work in a timely manner;

If there is a service charge on the property, ensure that all shareholders pay the relevant amount in a timely manner and that this is recorded accurately in the company books;

Highlight the items covered by the service charge such as buildings insurance, electricity in the communal areas, garden maintenance, car park maintenance, managing agent’s fees and/or company secretary fees, lift maintenance, possibly window cleaning and possibly water rates;

Ensure that any future works to be carried out are minuted and confirm whether they are covered by a sinking fund, which is a fund paid into as part of the service charge to cover such future maintenance.

Whatever happens, you can be sure that the JEAA will continue to provide valuable services to property hunters and sellers, and our members will be with you to guide you through the process from start to finish.