Places Edition 134

THE BEST PLACE TO FIND A NEW PLACE IN JERSEY

Jersey’s only specialist property magazine & portal | #134 | October 15th 2015

View properties from all quality agents 24/7 at

www.places.je

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

WE HAVE A WINNER!We check out the pick of the bunch from

the 2015 Architecture Awards on pages 24 & 25

VIEW ALL PROPERTIES ONLINE 24/7Don’t forget that you can visit www.places.je anytime and almost anywhere to browse the latest properties from all quality agents

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FEATURED LISTINGSFeatured Sales ...........................................4Featured Rentals ....................................27

AGENT LISTINGSDandara ........................................................6Wilsons ..........................................................8Gaudin & Co .............................................. 10Rock Property ...........................................12Choice Properties ....................................13Moore Properties .....................................14

FEATURES Viberts ..........................................................15Property Profi le ........................................16Ogier ............................................................ 20TMS: Market Update .............................22Architecture Awards .............................24Finishing Touches .................................. 26 JECC Update ........................................... 26Directory .....................................................28JEAA Comment ..................................... 30

WELCOME TO PLACES, THE HOME OF QUALITY PROPERTY IN JERSEY

INVOLVED IN PROPERTY?PLACES IS THE

PLACE FOR YOU

Places is Jersey’s only publication dedicated to multi-agent, high quality property related listings

and features locally.

Places is produced with high quality print and a

quick turnaround, o� ering ultra competitive rates

for high impact premium property goods and services marketing. If

you’re a developer, agent or even a writer interested in home and interiors with some ideas, be sure to get

in touch.

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THE BEST PLACE TO FIND A NEW PLACE IN JERSEY

Jersey’s only specialist property magazine & portal | #134 | October 15th 2015

View properties from all quality agents 24/7 at

www.places.je

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

WE HAVE A WINNER!We check out the pick of the bunch from

the 2015 Architecture Awards on pages 24 & 25

VIEW ALL PROPERTIES ONLINE 24/7Don’t forget that you can visit www.places.je anytime and almost anywhere to browse the latest properties from all quality agents

St Helier £1,350,000PENTHOUSE LUXURYSituated in prime location on St. Helier’s waterfront marina with amenities close to hand: restaurants, coffee shop, cinema, grocery store, kindergarten and chemist. Just a short walk to main town centre. There are open gardens and seating areas to enjoy. This prestigious building is set in a beautiful coastal environment with the historic Elizabeth Castle backdrop. The penthouse apartment boasts far reaching south and west sea views and is tastefully decorated throughout.  Comprising: Spacious entrance hall with walk-in storage cupboard, study, open-plan sitting room, dining area and kitchen. There are two double bedrooms both of which are en suite, again both with marina and sea views. Lift elevator service, undercover secure parking for two cars plus external visitor parking.HUNT & CO 860650

Trinity £1,075,000A LOVELY FAMILY RESIDENCEA detached granite house with coast and country views. The property has a mature well stocked garden, to the south and a separate vegetable garden, ideal for those keen gardeners. In addition there is a courtyard area, to the north side which adjoins the spacious parking area. Internally there is a reception hall with

double height ceiling, a 38ft sitting room/dining room with most attractive granite ingle nook fireplace and wood burning stove, the kitchen family room is over 32 ft long creating a great ‘hub’ for family life. At first floor there are 4 bedrooms and two bathrooms, the master bed being en-suite. If you are seeking a home offering privacy and further scope, then this could be for you!CHOICE 620620

Gorey £1,275,000THE BEST VIEWS ABOUT!Set on the heights above Gorey, with absolutely stunning panoramic sea views, this totally unique and appealing compact detached home, provides the ultimate ‘Pied A Terre’. Newly built to a high standard in around 2002 and offered in walk in condition throughout. This attractive property comprises; spacious hall and cloakroom, living room, 2 double bedroom suites (both with dressing rooms), fully fitted kitchen with dining / breakfast area, laundry closet. Full width balcony. Positively no garden! Parking for 3 cars. WILSONS 877977

St Helier £325,000 IDEAL LOCATIONThis delightful ground floor apartment forms part of a prestigious Regency building. Boasting approximately 938 sq ft of accommodation, which comprises of two double bedrooms, lounge with a large picture window, eat in kitchen and high ceilings throughout.  It enjoys far reaching views to the coast and lovely distant sea views, a private garden and manicured communal gardens perfect for unwinding and relaxing in the sunshine.  This property would make an ideal ‘buy to let’ investment or would suit a professional couple looking for their first home.  The location could not be better as Almorah Crescent is situated only a short stroll to the centre of town. The apartment is available with no on-going chain.GAUDIN & CO  730341

St Aubin £299,000

1 1 1

St Helier £174,000

1 1 0

St Helier £455,000

3 1 2

Trinity £1,795,000

5 3 Y

St Brelade £549,000

2 2 2

St Saviour £848,000

4 2 3

Grouville £645,000

4 2 6

Beaumont £1,875,000

5 5 6

St Helier £199,000

1 1 0

Trinity £1,075,000

4 2 Y

NEW PRICE

Gorey Village £529,950

3 1 3

NEW TO MARKET

Gorey £1,295,000

2 2 3

NEW TO MARKET NEW TO MARKETNEW TO MARKET

St Martin £2,275,000

Enjoying an enviable peaceful and tucked away

position in the much-sought-after location of Flicquet.

With views towards France, this beautiful new villa

offers a luxurious haven in the unspoilt countryside of

St Martin.

It is rare to find such peace and beauty in a home that also allows relatively easy access to the hustle and

bustle of St. Helier. Excellent schools also only a short

drive away.

4 3 Y

St Ouen £1,095,000

Spacious detached Victorian Farmhouse style home has been

sympathetically extended and renovated over the

years to provide a fabulous home for the larger family,

keeping the Victorian character and providing

for the modern day requirements.

Set in a peaceful rural environment but just a

stones throw away to local amenities in St Ouen`s village and just a few

minutes drive to Greve de Lecq and St Ouen`s Bay.

5 4 6

Residential & Commercial SalesLettings & Management

Unity Chambers, 28 Halkett Street, St Helier JE2 4WJ

Tel: 730341www.gaudin.je

St Helier

St Helier

Our ref: 13488

Our ref: 13514

Our ref: 13445

Our ref: 11956

Our ref: 13554

Our ref: 13563

Our ref: 13542

Our ref: 13186

St Saviour

St Helier

St Helier

St Helier

St Helier

St Brelade£259,000

£225,000

£379,000

£180,000

£345,000

£255,000

£430,000

Investment ApartmentGround floor with own accessSeparate kitchenCommunal decked seating areaIdeal first home/investmentAvailable Immediately!

Purpose Built ApartmentImmaculately presentedGreat buy-to-let/over 4.5% returnApproximately 560 sq ftBalconyEasy access to town

Refurbished ApartmentOpen plan livingLarge double bedroomModernised throughoutWalking distance to town & beachAllocated parking for 2 cars

High Class ApartmentImmaculately presentedLarge wrap around balconyRoof top views over St HelierPerfect lock up & leaveLow maintenance living

Affordable Gem!Great buy-to-let investmentCirca 5.5% net returnCommunal outside areaGarage & parkingShare Transfer

Ultra Modern ApartmentLounge/dinerStunning kitchenMaster bedroom with fitted wardrobesNew bathroomsSouth facing balcony

Garden ApartmentOwn front door accessLarge lounge/kitchenPrivate patio gardenIdeal first home/investmentAvailable immediately!

Stunning Sea ViewsBalcony with sea viewsNicely presentedExternal lock up storageCommunal interior terrace areaService charges £125 per month

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ATTENTION HOME OWNERS

We have registered a large number of new chain free applicants urgently seeking any properties ranging from £550,000 to £750,000 in any location within the island.

If you are contemplating selling your property please contact our Sales Team on 670333 to arrange a free verbal valuation.

ATTENTION LANDLORDS

We have a large number of new applicants seeking all types of rental properties from 1 bedroom purpose built apartments to 3-4 bedroom houses, preferably with garden and

parking. Prices range from £700 per month to £5,000 per month.

Contact our Rental Team on 670334 or email [email protected]

£170,000

FREEVALUATION

The Home of Good PropertyResidential & Commercial Sales Lettings & Management

01534 730341 www.gaudin.je

The sign of SUCCESS

01534 730341www.gaudin.je

FOR SALE

01534 730341www.gaudin.je

UNDER OFFER

01534 730341www.gaudin.je

SOLD

01534 [email protected]

SALES RENTALS FREE VALUATIONS www.rockproperty.co.uk

Rural Grouville£1,250,000 NEW

Large Two Generation DwellingSeparate Self-Contained FlatDouble Garage & Large Gardens

5 3

REF

1402

St Helier£499,000 NEW

Immaculate Four Bedroom HouseConservatory, Lounge, New KitchenGarage & Visitor Parking

4 3

REF

1410

St Clement£439,000 NEW

Two Bed Semi-Detached HomeSitting Room & ConservatoryDetached Garage & Garden

2 1

REF

1191

Trinity£649,000

Large Detached BungalowUninterrupted views of Bouley BaySunny and Secure Rear Gardens

3 1

REF

1342

Havre Des Pas£349,000 NEW

STROLL ALONG THE BEACH!Two Bed Duplex ApartmentPrivate S/F Balcony & Parking

2 1

REF

1409

Rural St Lawrence£1,150,000 NEW

Huge plot with incredible potentialSeparate quadruple garagingIdyllic rural location

3 2

REF

1411

St Brelade£725,000 NEW

Detached Dormer BungalowFour Sunny BedroomsLarge Plot with Double Garage

4 1

REF

1371

Rural St John£725,000 NEW

Substantial Detached HomeDating back approx 400 yearsDouble Garage and Parking x 6

3 2

REF

1392

Grouville£749,000

Unique Detached ResidenceTruly Beautiful Rear GardenSurrounded by Rural Fields

3 2

REF

1393

SALEAGREED

SALEAGREED

Rural St Helier£649,000

Large 4/5 Bedroom Family HomeThree Sunny Reception RoomsLarge Cinema Room / Study

4 2

REF

1381

SALEAGREED

La Pouquelaye£525,000

Four Bedroom Corner Plot HouseWrap-Around Low Maintenace GdnTwo Large Bathrooms

4 2

REF

1348

SALEAGREED

St Saviour£475,000

Three Bedroom Corner Plot HomeHuge Potential to ExtendPopular & Convenient Location

3 1

REF

1347

SALEAGREED

01534 620620www.choicejersey.com

• 2 Bedroom Apt• Large Living Room• Balcony

• Designated Parking For 1 • Storeroom• Walk To Town

• Country Location• Rural Outlook• Granite Barn Conversion

• ‘Upside Down’ Accom.• 3 Double Beds & 2 Baths• Balcony & Double Garage

St Helier

St Ouen

£335,000

£560,000

2

3

2

2

• Rural Location• South Facing Patio• 3 Bedrooms, 3 Bathrooms

• Easy Access To Amenities• Large Living Room• Parking For 2 Cars

• Elevated Location• Sea Views Across St Aubin’s Bay

• Separate Unit• Garage & Parking• Lawned & Terraced Gardens

Trinity

St Peter

£495,000

£1,495,000

3

5

3

3

• Detached Bungalow• Peaceful Location

• Large Living Room• 5 Bedrooms

• Ample Parking• Extensive South-West Facing Garden

St Brelade £1,450,000 5 2

Maison Victor Hugo, La Greve d’AzetteSt Clement, JE2 6PW

Residential Sales & Rentals

St Ouen

£1,300,000 QUALIFIED

Detached Country PropertyGreen Lane Location

Stables and Land2 Reception RoomsOutdoor Pool & Gardens

5 3

St Helier

£455,000 QUALIFIED

Modern Town HouseTwo Generation PotentialFTB Restricted

West Facing Enclosed GardenNo Onward Chain

3 1

Millbrook

£605,000 QUALIFIED

Contemporary Townhouse3 Secure Parking Spaces

Patio and Sun TerraceSuperb LocationMins to Shops & Beach

3 3

St Brelade

£875,000 QUALIFIED

2 Reception RoomsLarge GardenHuge Potential

Double Garage & Parking

4 2Trinity

£1,795,000 QUALIFIED

Fine Detached ResidenceGardens and MeadowExtensive Garaging

Of� ce, Study & UtilityTwo Generation Potential

5 3

St Helier

£449,000 QUALIFIED

Contemporary Town HouseFinished To High Standard

No Onward Chain3 Parking SpacesEnclosed Garden

1st Floor Apartment2 Double Bedrooms2 Parking Spaces

Large TerraceClose To Shops, Beach & Cycle Path

3 3

St Helier

£795,000 QUALIFIED

Prestigious Town House Parking for 5 CarsTwo Generation Potential

Quiet LocationNo Onward Chain

5 5 Grouville

£475,000 QUALIFIED

Garage & ParkingGarden and Sun Terrace

Large ConservatoryVillage Location

3 1

Millbrook

£369,000 QUALIFIED

2 2

SOLD

15

If you own land in the EU – for example a holiday home -  you will want to know about the new Regulation 650 / 2012 which came into force on the 17th August 2015. Uno� cially referred to as “Brussels IV”, it means you no longer have to comply with the inheritance rules of the state where your land is located. Jersey law will apply instead. It is worth reviewing your current arrangements, because any advice you may have received when you made them is now out of date.

WORDS Advocate Christopher Scholefi eldPartner, Viberts

 Until now, the EU’s highly mobile citizens could fi nd that upon their death their a� airs were subject to one or more sets of potentially confl icting rules, determined by various factors such as the location of their assets or their place of residence or their citizenship. The new default position is that the legal system and courts with authority over an individual’s whole estate, be it movable or immovable (i.e. including land and buildings) are those of his place of “habitual residence” or, if he so chooses, that of his nationality. Many Jersey people own land in France. Like Jersey, France is a forced heirship jurisdiction. Unlike Jersey, France’s rules of inheritance favour the children of the land owner and o� er less protection to the spouse or civil partner. Short of setting up a company to convert the asset held into shares, French law had without exception to apply because the land was located in France. A major upheavalSuch rules can now be avoided. Across 25 member states of the EU (but not in the UK, Ireland or Denmark, which opted out) the new Regulation assumes the laws and courts to regulate inheritance to EU sited assets will be those of the owner’s “habitual residence”.

Most importantly, it also allows the owner to subject his inheritance to the law of his or her place of nationality, if that is preferred. 

So if you hold a passport issued in Jersey, Jersey law can now govern the fate of your French land, and the French rules as to who must get what need no longer apply. There could one day become more land outside the Island subject to Jersey’s inheritance laws than the 45 square miles available here! This change matters to anyone who has invested in assets located in any of the 25 states (including therefore Portugal or Poland) because the law of their nationality can now be selected as one to be applied. This also means that Jersey residents holding non-Jersey passports can choose to subject their EU sited assets either to Jersey law or to the law of their nationality.

 So what do you do next?First of all you need to consider your current arrangements for your assets in the participating states. Were those arrangements what you wanted or were they imposed upon you by the rules of the applicable legal system? Conversely, since Jersey law is now assumed to apply to your assets abroad might that upset your plans or the advice you received at the time? Might the involvement of Jersey

law mean someone now stands to get a windfall or to miss out? Speak to your advisor to fi nd out these new rules could allow you to change things for the better, with the aim of:· securing what you want to achieve after your death;· assessing your need for confi dentiality in case, as in Jersey, your will may eventually be entered into a foreign register of land ownership, and;· streamlining your arrangements so as to make your a� airs as simple to sort out as possible.

Jersey resident owning property abroad? You may want to review your inheritance arrangements.

“So if you hold a passport issued in Jersey, Jersey law can now govern the fate of your French land, and the French rules as to who must get what need no longer apply.”

www.viberts.comT: 888666

16

PROPERTY PROFILE

It is incredibly hard to believe that this property hasn’t been snapped up already. Not only is it

situated in the much favoured parish of St Martin but this substantial five bedroom detached property occupies an enviable location just on the outside of the village. This means it is just a short walk to the local shop, the church and the Royal St Martin pub. 

WORDS Sara Felton

A SPACIOUS HIDEAWAY

17

Boasting just under 3000 sqft of living space this property is very adaptable, depending on what your requirements are and is in excellent condition throughout, having recently been completely renovated to a very high standard by a local builder.

The spacious accommodation lends itself to a variety of home owners. Whether you’re looking to have a base which you could lock up and leave or perhaps you’re looking for a wonderful family home in a location that will enable you to take advantage of falling within the catchment area of the newly renovated parish primary school, which is a mere five minutes walk away from the property. Not forgetting that the major secondary schools and town are only a fifteen minute commute away which also makes Delandah ideally suited to the growing family, this home really does have it all. 

As soon as you enter this property you can tell the developer has an eye for detail. The entrance porch has a large built in cupboard allowing you to hang your outside coats and store your muddy shoes, perhaps after you’ve come back from a walk around the surrounding country lanes.  Which means you won’t need to traipse through the wooden floored entrance hall leaving muddy footprints in your wake; instead you can make your way in to the living room to your left to start your cosy night in, in front of the modern multi-fuel fire.  

Downstairs, having not left any space unutilised, you’ll benefit from built-in under stair storage, which means you won’t be stumbling over anything that might ordinarily clutter up your hallway and a large utility room, which has plenty of space to accommodate all your laundry needs. The stunning kitchen/breakfast room is

contemporary in finish with Staron work surfaces, Siemens appliances and polished porcelain tiled flooring and from here, there is a delightful view of the parish church.  This well fitted kitchen has double doors on to the large dining room which is large enough to house even the grandest of dining room tables, meaning that entertaining is a must within this property.

There are three bedrooms on the ground floor, which are all good sized doubles, fitted out with high quality furnishings providing you with plenty of storage options. Not only is there a house bathroom, which once again has been finished to a high standard, but also a cloakroom for your visitors to use. Under floor heating has been laid in all bathrooms making them cosy underfoot. 

Upstairs in the dormered section of the property you are greeted by a further two

“The detached garage also houses another excellent space away from the main home. Currently set up to accommodate a home office, this room could easily be used for just that, or perhaps even make a good space for another use maybe a workshop, a small cinema, craft room, or even a gym.”

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PROPERTY PROFILE

DelandahLa Grande Route de St Martin,

St Martin

£825,000 Choice Propertieswww.choicejersey.com01534 620620

Bedrooms: 5

Bathrooms: 4

Garden: Patio garden. Garage: Detached double garage. O� ce: Separate o� ce, fi tted with storage. Parking:for four plus cars. Services: Mains drains & water. Fully double glazed. Wired for satellite TV. Oil fi red central heating.

bedrooms both of which are en-suite and one of which, the master, is so huge that you could easily turn this in to a second generation option or it could provide you with an additional income, should you wish.  Upstairs there is also a study, which has been fi tted out with a large desk.  Whilst building in to the roof may have lost you the conventional loft space, Delandah is not short of storage options and upstairs there is a fabulous walk in storage space, which means no more battling with ladders when you need to store your suitcases.

When you’ve got enough outside space to park up to six cars, why would you want to waste the space in your enormous garage by putting cars in it, why not instead do what the developers have done and turn it in to a man den. This enormous garage is well able to accommodate a large full-sized pool table and a great many of your friends, there’s even a cloakroom on standby, meaning you won’t even have to venture back in to the house. All it needs is fridges installing and you’re set up to have a fantastic entertaining space for your friends. The detached garage also houses another excellent space away from the main home. Currently set up to accommodate a home o� ce, this room could easily be used for just that, or perhaps even make a good space for another use maybe a workshop, a small cinema, craft room, or even a gym. The front and rear of the property benefi t from low maintenance outside paved areas, which could easily be turned over to grass if you’d rather exercise your green fi ngers.

Delandah represents fantastic value in an excellent location and is available immediately with vacant possession.

Savills Jersey19 Halkett PlaceSt HelierJersey JE2 4WG+44 (0) 1534 722 [email protected]

For an informal chat about any of the above, please do not hesitate to contact Julie Melia (pictured right) on 01534 514110 or Fiona Lilleyman (pictured left) on 01534 514093. Alternatively, visit us online at www.ogier.com/services/probate-estates

The information and expressions of opinion contained in this article are not intended to be a comprehensive study or to provide legal advice and should not be treated as a substitute for specific advice concerning individual situations.

Coping with the emotional and practical aspects of the loss of a loved one is inevitably difficult and stressful. Thankfully, practical guidance is available through experienced and informative funeral directors, and emotional support is there for those who need it, from a range of organisations.

One of the most important things that you can do to help those you leave behind is to make a will. A will ensures, as far as possible, that your estate goes to those who you would wish to receive it, and that its distribution is not left to the rules of intestacy. Commonplace and understandable assumptions can result in unwelcome consequences, as you will see from the following scenario:

David and Kate have lived together at Highgrove for the past 15 years. Highgrove was bought in Kate’s name because David did not have residential qualifications at the time. A joint loan was used to buy Highgrove and, after they had both worked hard to reduce it, a small lottery windfall allowed them to pay it off completely. The couple occasionally thought about putting Highgrove into their joint names once David became residentially qualified but their busy working lives and three children meant that they never got round to it. Kate died last week, following a tragic accident.

Kate left a willKate left Highgrove to David, knowing that he would make sure that the children were well cared for and that it was left to them

in the future. Her movable estate (i.e. all of her property other than Highgrove) was left to David. Kate knew that under Jersey law the children were entitled to claim 2/3 of her movable estate and that their appointed guardian may have to challenge for their share, but overall she was happy that David would have Highgrove, her most valuable asset, and at least 1/3 of her movable estate and therefore a home and financial security for himself and the children.

Kate didn’t leave a willKate and David had lived together as man and wife for many years, but Jersey law does not recognise anything other than a legal contract (i.e. civil partnership or marriage). Therefore, in succession matters, “common law” partners have no greater rights than a stranger. Without a will, Highgrove would pass to the children equally and David would have no right to any share of it or even to live in it. Highgrove might be kept as a family home whilst the children remained minors but this would depend on the wider circumstances. As and when Highgrove was sold the proceeds would be split between the children and David would not be entitled

to anything. Similarly, Kate’s movable estate would be divided equally between her children, and David would have no entitlement to receive any part of it.

If the second scenario looks bad enough, and not what Kate would have wanted, consider the outcome if Kate had married Harry in her early 20’s and, whilst they had agreed to go their separate ways, they hadn’t actually divorced. If Kate doesn’t leave a will, Harry will be entitled to a quarter share of Highgrove, alongside each of the children. He would also receive the first £30,000 plus half of the rest of Kate’s movable estate, with her children sharing the remainder.

If Kate had left a will, Harry would have been entitled to claim life-enjoyment of 1/3 of Highgrove and 1/3 of her movable estate. David would inherit Highgrove subject to Harry’s life-enjoyment of 1/3 and be entitled to 1/3 of her movable estate.

Situations like this are many and varied and can cause considerable and long-lasting damage to family relations. Making a will does mean that we have to think about things that we might prefer not to have to consider but, for some, given the consequences of not making a will, it is one of the most important things that they could do for their own peace of mind and for those they leave behind.

WORDS Fiona Lilleyman & Julie Melia

Do I really need to make a will?Perhaps you do...

Commonplace and understandable assumptions can result in unwelcome consequences if you die without making a will, say Ogier’s probate specialists Julie Melia and Fiona Lilleyman, and particularly if you leave a ‘common law’ partner behind.

“A will ensures, as far as possible, that your estate goes to those who you would wish to receive it, and that its distribution is not left to the rules of intestacy. Commonplace and understandable assumptions can result in unwelcome consequences”

BASE RATE COUNTDOWNOpinion continues to change in respect of when base rate will go up, or for that matter remain where it is for the time being. Some economists are predicting February 2016, whilst others are maintaining a later date of September 2016 – the choice is yours. What must be emphasised, is the fact that when the fi rst increase happens it is unlikley to be any greater than 0.25%, so making the base rate 0.75%. For most borrowers who are in a tracker or variable rate of interest this will not make much di� erence, but if you are worried about how increasing rates will a� ect your lifestyle, do call our team on 789830 to arrange a time to pop in for a chat.

WE REALLY LIKE THESE MORTGAGE INTEREST RATES!

60% LTV discount 0.98%60% LTV tracker 1.19%60% LTV 5 year fi xed 2.19%75% LTV 3 year fi xed 2.23%85% LTV 3 year fi xed 2.54%90% LTV 5 year fi xed 2.88%

Tel: 789830www.mortgageshop.je

WANT TO BE KEPT UP TO DATE WITH WHAT’S GOING ON?Then send a request to be added to our Monthly Mortgage Shop Bulletin emailing list to; [email protected]

JERSEY LENDING MARKET

How much further can interest rates fall? Once again we have seen noticeable reductions being made by some of the mortgage lenders in the last month which make tracker rates at certain loan to values fantastic value for money, although when you look at the fi xed rates, especially those for fi ve years , the decision can be hard to make! Arrangement fees can very expensive in some cases and it is essential to check the small print, as a higher rate of interest can sometimes be better value if the fees are lower.

JERSEY PROPERTY MARKET

This summer has seen a good recovery to the market – there is a lot more confi dence being shown by the many prospective purchasers who are fl ooding estate agents with enquiries and the conversion rate from viewings to making an o� er on a property remains high. The activity during the summer has certainly made a dent in the housing stock that is available and we are now hearing from clients that there is little choice when looking for somewhere special in the one and two bedroom fl at market. This is good news in one respect because it shows that First Time Buyers are returning to the market despite the di� culties of fi nding a deposit.

Further up the scale, the middle of the market seems to be su� ering from the same problem as is the £1m to £1.2m plus sector where once again, clients tell us that there is insu� cent choice.

The good news is that agents tell us that house prices remain static and that in some cases, there is still a chance to negotiate on the asking price.

THE BENEFITS OF SEEKING FINANCIAL ADVICE

Whether for investment and pensions advice, or for a basic life cover plan, it pays to speak to a suitably qualifi ed fi nancial adviser.In the UK, new regulations now insist that certain transactions cannot take place unless the client can prove they have sought appropriate advice, in the hope that all clients will be made fully aware of all options available to them and better understand the consequences of their choices.

Here in Jersey we have separate legislation, our own tax system and di� erent providers and products to select from.

With so many of us now accustomed to conducting our personal business online, this particular area is one where face-to-face remains the best option.

Whilst you might avoid an advice charge if you go direct, not all advice incurs a direct charge and you should weigh up any cost saving against potentially buying an unsuitable product or one which gives poor returns.

Advice can help you buy a better product than one you might choose for yourself, with independent advisers having the expertise and knowledge to fi nd better options, which could include products that are only available if you go through an adviser.

Also, being in the Channel Islands, the option to go direct to a provider are extremely limited.

If you would like to speak to an Independent Financial Adviser, please contact Hayley Carstairs on Hayley@henleyfi nancial.je, or call 789830.

24

BEST LARGE SCALE DEVELOPMENT (RESIDENTIAL OR OTHER USES)

Highly Commended: Le Squez Housing Development (Phase 2), St Clement - Dyson & Buesnel Architects

Judges Citation: This project is comparable to Award winning UK social housing. Town Houses and small Apartment blocks give sense of individuality, creating better social environment by using smaller blocks interspersed with communal areas, with a good balance between private and public amenity space. Highly Commended as a good example of social housing on par with national [UK] standards

BEST LANDSCAPE ARCHITECTURE PROJECT IN RELATION TO THE BUILT ENVIRONMENT

Commended: Le Squez Housing Development (Phase 2), St Clement - Dyson & Buesnel Architects

Judges Citation: Better than normal standard of landscaping in social housing schemes, which has been incorporated into the overall design. The scheme creates pleasant communal spaces in a densely populated area, delivering both good private spaces and some public amenity space for residents.

DYSON AND BUESNEL 

Formed in May 2002, by Colin Buesnel and Jon Dyson, Dyson and Buesnel Architects have established themselves as a practice that provides a bespoke and tailored service to meet their client’s individual needs and aspirations.

With each project being carefully considered on its individual merits their practice portfolio now boasts a large variety of projects / development types and styles. The practice is primarily focused on private and public residential (new builds and extensions) and private commercial developments.

For a no obligation consultation contact them on:

O� ce: 880861Colin: 07797 725656Jon: 07797 728360 

Out of all the winners from the 2015 Arcitecture Awards we felt that there was one stand out development which was designed by the brilliant Dyson & Buesnel Architects team. Their fantastic Le Squez Phase 2 project scooped up TWO awards on the night, one in the Best Large Scale Development catergory and the other for Best Landscape Architecture Project In Relation To The Built Environment.

Le Squez Phase 2, St. Clement.

Project Description: Completed in June 2014, the Le Squez, phase 2 Housing Development, undertaken on behalf of the Housing Department / Andium Homes, provides a total of 84 one, two and three bedroom houses and fl ats. Renamed as Les Burons, Les Burons Court, Les Anquetils and Les Petit Anquetils, from the outset this social rented development aimed to provide a high density, pedestrian friendly and fully accessible environment. Paved surfaces and pedestrian only access, with private and communal gardens are an intrinsic feature of the development as is the design, scale and massing of the buildings which run from 1 to 4 storeys in height.

Awards:

A RECIPE FOR SUCCESS

25

THE 2015 PEOPLE’S CHOICE AWARD Joint Award Winner: La Grande Carriere, St John - Richard Le Sueur ArchitectsThe 2015 People’s Choice Award: The project which received the most votes cast by the general public at CCA Galleries International and online voting received on AJA’s web-site during Exhibition of all entries received for the 2015 Jersey Architecture Design Awards. 

WINNERS!The Jersey Architecture Design Awards are held every two years to celebrate and promote the quality of design created and achieved by Jersey Architects, designers, and developers. These Awards are open to anybody involved in a project they feel has contributed positively to the built environment of Jersey. The record 79 entries for the 2015 Jersey Architecture Design Awards were independently assessed by judges organised by the Jersey Architecture Commission.

BEST SMALL SCALE BUILDING OR BUILDING EXTENSIONAward Winner: La Vregia, La Mont de la Guerande, St Martin - Design Plus ArchitectsJudges Citation: This simple, small-scale building is not ostentatious and sits well in the landscape, displaying use of good quality materials that are intelligently and sympathetically used – fine granite-work, grass roof and use of gabions to base house in its hillside setting thereby realising environmental benefits including lizard habitat. A good working relationship between Architect and Client appeared to be reflected in final choice of design & materials.

BEST SMALL SCALE BUILDING OR BUILDING EXTENSION (Highly Commended) & BEST EXAMPLE OF INNOVATIVE and / or SUSTAINABLE DESIGN (Commended)Wetlands Centre, St Ouen - Design Plus ArchitectsJudges Citation: This project is worthy of being recognised as a one-off civic and educational project with minimal environmental impact but possessing strong community objectives. The judges admired simplicity of this scheme.

BEST UNBUILT SCHEMEHighly Commended: New House at Portelet Hotel, St Brelade - Godel ArchitectsJudges Citation: The Judges thought this scheme represents a good design concept.

BEST UNBUILT SCHEMEHighly Commended: Les Arches, Les Charrieres Nicolle, St Lawrence - Riva ArchitectsJudges Citation: Thoughtfull piece of architecture which displayed an interesting contrast with the other new “set-piece” houses submitted this year. A subtle response to dealing with existing structure and sloping site, a meticulous approach has been taken to the renovation and extension.

30

As the long nights draw in and we start to feel the cold snap of winter, our cockles are warmed by the idyll of curling up on the couch with a cup-a-soup, cocooned in chunky knitwear as we bask in the glow of a roaring hearth. It’s a Heinz soup and Horlix commercial wrapped up into one cosy blanket.  

Each year this scene is played out in countless TV adverts and festive fi lms, but over the past few decades, one aspect has changed for certain households – the traditional wood-burning fi re. A lot of modern homes are introducing electric or gas fi res, but is one more benefi cial than the other? 

There is no doubt that when it comes to adding character and atmosphere to your living space, a traditional hearth is a great centrepiece. However as charming and picturesque as a wood-burning fi replace might be, it is the least e� cient when it comes to heating. Although the warmth can be felt up close, most of the heat from your room will be lost through your chimney.  

Electric fi replaces are much more heat e� cient and normally have a longer lifespan than a gas fi replace. The maintenance requirement is extremely minimal, however it is recommended to have it checked once a year by a professional electrician.  The JeCC members list has professional contractors who will be able to ensure that your electric fi replace is still in good condition before the cold snap really sets in.  Keep in mind though, an electric fi replace is much less energy e� cient, especially if used throughout most of the day. If there happens to be a power cut, then o� goes your fi re.

Choosing a gas fi replace will mean very little maintenance work other than an annual check up by a professional for safety purposes. The use of a gas fi replace is as easy as fl ipping a switch and you can choose from a number of di� erent styles to compliment your home. 

Now that you know the pros and cons, the question remains which fi replace would look best in your home and which is more suitable to install? Keep in mind that when considering adding a chimney to your home you must adhere to local building regulations. A professional can advise of these regulations and ensure that they are met. For more information please visit the Jersey Construction Council website.  

FINISHINGTOUCHES

Alessi Lemon Squeezerde Gruchy£44.99

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Royal Collection Teapot by Pop Studio

Ransoms Garden Centre£49.99

Dora Designs Door Stops

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£25Dora Designs Door Stops

Ransoms Garden Ransoms Garden Centre£26.95

Royal Collection Teapot

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29

directory listings

Building 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 610658J&M Removals 879839

Le 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

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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 481743Wildbore Hands Ltd 605087

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

House ClearanceMorley’s Clearances 529955

34

THE ASSOCIATIONNews from the Jersey Estate Agents’ Association

WORDS John QuemardPresident, Jersey Estate Agents’ Association

NEW TENANCY DEPOSIT PROTECTION

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

From Monday 2nd November, by law all landlords and agents taking a deposit from their tenant will have 30 working days to lodge it with a newly appointed Company called MyDeposits Jersey.

MyDeposits Jersey has recently been selected by The States Of Jersey to receive all tenants deposits as part of the new tenancy deposit scheme.

The new legislation is designed to protect tenants deposits and ensure they get it back at the end of the tenancy, provided they have met the terms of their tenancy agreement. 

This new law will apply to all new, renewed or varied tenancy agreements from 2nd November 2015.  It does NOT apply to any existing leases which are currently in use.

MyDeposits Jersey will charge an admin fee of £20 plus GST (£21) to protect the deposit, but this is taken out of the tenant’s deposit when the deposit is returned.

The benefi t of having the deposit protected will reduce many of the disputes that arise between Landlords and Tenants and will ensure a fast and fair return.

This new introduction is in accordance with the already existing Residential Tenancy (condition Reports) (Jersey) order 2014.

The advice to Landlord’s from the JEAA is to prepare well in advance of the tenant moving in by having a high quality written tenancy agreement which is clear, concise and fair. 

In addition, you will need to provide by law a full record of the fi xtures, fi ttings and

décor (Condition Report) backed up with photo’s and video if necessary to support the inventory.The advise to tenant’s is to have a record of all exchanges of communication between Landlord and Tenant during the tenancy period by storing letters and emails between both parties which may be called upon at the end of the tenancy.

Mydeposits do o� er a free dispute resolution service if you disagree about how much deposit money should be returned at the end of a tenancy. 

Like any law, there are penalties if you choose not to lodge the deposit in the expected time frame. It’s an o� ence not to protect your tenant’s deposit and you may face paying pay a fi ne of up to £2,000.

Having said all the above, it is hoped that by following the advise from the JEAA, disputes between Landlord’s and tenant’s will be kept to an absolute minimum and you can rest assured that your deposit is fully protected and will be well looked after in the hands of Mydeposits Jersey.

For further information please go to www.mydepsoitsjersey.je or tel: 747310

Alternatively, the JEAA are always happy to advise and help answer any questions that you may have.

Bridle Estates766999www.bridle.je

Choice Properties620620www.choicejersey.com

Columbia Estates734200www.columbiaestates.je

Crespel Properties625569www.crespel.co.uk

Hunt Estates 860650www.huntestates.co

Indigo Estates639955www.indigo.je

Maillard’s Estates737293www.maillards.je

Moore Properties880544www.mooreproperties.co.uk

ND Estates629009www.ndestates.com

Nuvo Estates 07797 888880www.nuvo.je

Quemard Properties879879www.quemard.je

Savills722227www.savills.je

Uniquely Estates529000www.uniquelyestates.com

Voisin-Hunter Limited507702www.voisinhunter.com

Wilsons877977www.wilsons.je

JEAA Members

The Jersey Estate Agents’ Association is committed to raising the standards in estate agency. For reliable information, please see our members above.

For information on becoming a member of the JEAA and benefi ts please contact John Quemard on 879879

“Mydeposits do o� er a free dispute resolution service if you disagree about how much deposit money should be returned at the end of a tenancy. ”