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Luxury Apartment enjoying Stunning Sea Views
No.2 The Point is a luxury apartment for all seasons offering a front row seat with Mother Nature making way for expansive sea views over Douglas coastline towards the promenade, town centre and mountains beyond. With excellent entertaining space inside and out... throw open the patio doors bringing the outside in on summer days, whilst winter days can be spent storm-watching from the various vantage points allowing you to witness the exquisite drama of the lively sea from the comfort of this spectacular luxury apartment.
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This fine property is offered for sale with no onward chain and is complemented by the highest of standards including quality fixtures and fittings such as the exquisite dining kitchen and luxury bathrooms. A great deal of attention has been given to, not only the bespoke features, but also the practicalities of luxury living and this apartment is complemented by the lock up and leave lifestyle.
This apartment benefits from a designated garaged parking space (No.7) and there are five private resident/guest parking spaces outside of the property.
2 The Point, Douglas Head Road,
Douglas
2 Bed 2 Bathroom 1 Lounge
£499,000
To arrange a viewing contact
Garforth Gray T: 01624 667788 www.garforthgray.im
Sometimes a mortgage requires a little imagination
Properties come in all shapes and sizes... so, mortgages should too.
Our locally based team of mortgage specialists include underwriters and decision makers that are happy to think outside the box. So, if your mortgage requirements are a little ‘out of the ordinary’ let’s get together and discuss them.
You can call one of our local mortgage specialists on 641 888 or visit our website for further information. #theislandmortgage
641 888
mortgages@santanderinternational.co.uk
All applications are subject to status and criteria
santanderinternational.co.uk
Santander International is the trading name of Santander Financial Services plc, Isle of Man Branch. Santander Financial Services plc is incorporated in England and Wales with number 2338548 and its registered office is 2 Triton Square, Regent’s Place, London NW1 3AN, United Kingdom. Santander Financial Services plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Santander Financial Services plc’s Financial Services Register number is 146003. Santander Financial Services plc, Isle of Man Branch has its principal place of business at 19 - 21 Prospect Hill, Douglas, Isle of Man, IM1 1ET and is regulated by the Isle of Man Financial Services Authority. www.santanderinternational.co.uk All accounts opened with Santander Financial Services plc, Isle of Man Branch have situs in the Isle of Man and therefore eligible deposits are covered by the Isle of Man Depositors’ Compensation Scheme as set out in the Isle of Man Depositors’ Compensation Scheme Regulations 2010. Full details of the Scheme and banking groups covered are available at the Isle of Man regulator’s website, www.iomfsa.im/consumers, or on request. Santander and the flame logo are registered trademarks. Calls to Santander International are recorded and may be monitored for security and training purposes.
Listening to what you need on every step of the housing ladder
Buying a home is one of the biggest commitments many of us will make and in these uncertain times, the housing ladder may seem even harder to climb. Rises in interest rates and a decrease in the value of the pound have caused disruption to markets. Add in worries about the cost of living and even the most careful plans may need a few tweaks.
Santander International continues to support our customers – both new and existing – in the Isle of Man, by offering a full suite of fixed-rate mortgages. We haven’t withdrawn any products and in response to demand have launched a new 10-year fixed product. James Geldart, Managing Director – Isle of Man Branch, Santander International, explains: “We give customers the opportunity to talk to experienced mortgage professionals face-to-face so we can help you through some of the most important financial decisions of your lives. Listening to customers allows us to truly understand your circumstances and objectives so we can offer tailored solutions, whatever step of the housing ladder you are on.”
Understanding personal circumstances
Everyone’s situation is different, however, when it comes to getting a mortgage, we all want to work with a lender who understands our needs.
James said: “Many lenders are guided by rigid policy rules. However, we look at every case on its own merits and decide if someone is an acceptable risk for the bank, when considering their overall financial situation. This certainly doesn’t mean we are taking on ‘riskier’ clients, it just means we are looking at the whole picture of a customer and their financial situation and can make more intelligent risk decisions.”
For customers hoping to secure mortgages it all depends on the customer’s individual circumstances and loan to value (LTV), but typically some customers could expect to pay 50% more than they would have at the start of the year.
Helping first time buyers
This flexible approach helps customers at both ends of the property spectrum, including first-time buyers and those who need a higher loan to value. In some cases, parents may join their children as joint applicants on a mortgage to improve their child’s borrowing capacity, or a prospective buyer with relevant skills and experience may be able to commit to home improvements to improve their equity. In this increasing interest rate environment, borrowers may become nervous about their existing commitments and new buyers could be reluctant to take on increased debt. If you have had your mortgage application approved by Santander International, it will be valid for three months. James said: “During periods of market uncertainty and turbulence, new and existing clients need guidance and reassurance. Our conservative approach to lending means that our clients are not committed beyond their means, and we always measure affordability assuming interest rates rise substantially. Furthermore, most of our clients choose fixed rates to hedge the short-term risk. However, if your circumstances have changed and are beyond your control, or if you are worried about repayments, please get in touch.”
Information correct as at 14 October 2022
James Geldart, Managing Director, Santander International Isle of Man Branch
All applications are subject to status and criteria
YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR MORTGAGE
Santander International is the trading name of Santander Financial Services plc, Isle of Man Branch. Santander Financial Services plc is incorporated in England and Wales with number 2338548 and its registered office is 2 Triton Square, Regent’s Place, London NW1 3AN, United Kingdom. Santander Financial Services plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Santander Financial Services plc’s Financial Services Register number is 146003. Santander Financial Services plc, Isle of Man Branch has its principal place of business at 19 - 21 Prospect Hill, Douglas, Isle of Man, IM1 1ET and is regulated by the Isle of Man Financial Services Authority. www.santanderinternational.co.uk All accounts opened with Santander Financial Services plc, Isle of Man Branch have situs in the Isle of Man and therefore eligible deposits are covered by the Isle of Man Depositors’ Compensation Scheme as set out in the Isle of Man Depositors’ Compensation Scheme Regulations 2010. Full details of the Scheme and banking groups covered are available at the Isle of Man regulator’s website, www.iomfsa.im/consumers, or on request. Santander and the flame logo are registered trademarks. Calls to Santander International are recorded and may be monitored for security and training purposes.
COASTAL RESIDENCE WITH LARGE GARDEN AND SEA VIEWS
6A, Ballure Road, Ramsey 4 Bedroom 2 Bathroom 2 Lounge
£509,950
To arrange a viewing contact
This fine detached historic home retains many original features coupled with modern fixtures and fittings. The property has been exceptionally well maintained by the current owners and benefits from an envious coastal position with uninterrupted sea views towards Ramsey pier.
On the ground floor there is a feature welcoming reception hall, living room, dining room, sunroom and kitchen providing access to the integral garage. To the first floor are two double bedroom one of which benefits from a dressing plus there is a family bathroom. On the second floor are two further double bedrooms and an additional family bathroom.
Externally at the front is garage with utility area and cloakroom (WC) and to the rear is a lawned and tiered garden benefiting from shared beach access over the neighbouring property (on a peppercorn rent basis in the sum of £1.00 per annum). At the lower part of the garden is a very private patio area perfect for alfresco dining to take full advantage of the unrivalled views and sounds of rolling waves. Garforth Gray T: 01624 667788 www.garforthgray.im
lifestylefurnitureplus.com
COUNTRY MANOR HOUSE
Ballagarraghyn Manor is a beautiful country manor house, that has been thoughtfully designed retaining many of its original character whilst providing modern family living. Stretching to over 7,000 sqft this home has generous family accommodation and provides a variety of entertaining areas with cinema and games room. The house has retained a number of its original rooms that showcase the quality of finish you would expect to find with hardwood finishes, vaulted ceilings complemented by its modern equivalent with custom fitted cherry cabinetry in the study, and art deco inspired panelled cinema.
There are 2 spacious bedroom suites with dressing rooms and luxury ensuite bathrooms, in addition there are 3 further double bedrooms all with their own luxury bath/shower rooms. There is potential to convert the gym wing into a separate annex ideal for live in staff or elderly family members spread over one level.
Outside - A flat lawned front garden with some exquisite mature trees, leading round to a landscaped rear garden with raised lawns, sun terrace dining area and decorative KOI pond. The rear garden provides a wonderful link from all principle reception rooms, games room & bar. A perfect extension for entertaining of the house. To the right of the property there is over an acre of paddock grazing lined with mature trees. To the left is a detached garage and workshop providing generous parking for 3 vehicles.
Main Road, St.Johns,
Isle of Man
5 Bedroom 5 Bathroom 5 Lounges
£2,800,000
To arrange a viewing contact
Grays Estate Agents T: 01624 678876 www.graysestateagents.com/
Energy Saving Tips
Here are some tips from the team at Isle of Man Energy about how to save energy: some are cost-free, others require some investment, but all could save you money on your energy bills…
In an uninsulated home a quarter of heat is lost through the roof. Insulating your loft, attic or flat roof is an effective way to reduce heat loss and reduce your heating bills. Poor insulation can mean you’re paying to heat the outside rather than the inside of your home.
Get your boiler serviced and de-sludge your radiators
In the same way you get your car serviced, to keep it running smoothly, having your boiler serviced annually helps to keep it working efficiently. Always check that anyone doing the job is properly qualified: use one of our trusted, experienced engineers from Isle of Man Energy, or someone who is listed on the Gas Safe Register. Investing in a power flush can increase the efficiency of your central heating system by up to 40%.
Insulate your water tank and pipes (potential saving: £70 per year)
Lagging water tanks and pipes reduces the amount of heat loss, so you spend less money heating water up – and the water also stays hotter for longer. If you already have a jacket fitted around your tank, check the thickness. Pipe insulation consists of a foam tube that covers the exposed pipes between your hot water cylinder and boiler, reducing the amount of heat loss and, therefore, keeps your water hotter for longer.
Although it’s an investment, if your boiler is over ten years old it’s worth making the switch and upgrading to a super-efficient modern model, which will bring potential savings. All of Isle of Man Energy’s boilers – from Alpha and Vaillant – are A-rated, meaning their efficiency brings lower running costs. Combine the boiler with Smart Home controls and you could save even more.
Use smart tech (potential saving: £300 per year)
Using Smart Home technology from Hive and Tado, both available at Isle of Man Energy, means you can set your heating to turn on and off at the times you choose via an app. You can control your smart thermostat and smart radiator valves from your phone – maybe turning the heating on just before you head home after work, and choosing to heat only the parts of your home you are using at the time.
Install radiator reflector panels (potential saving: £20 per year)
Fixed behind your radiators, reflector panels reflect heat from the radiator back into the room instead of letting the heat out through an external wall; they produce the most benefit when installed on uninsulated solid walls.
Make sure your home is draught proof (potential saving: £25 per year)
Draught-proofing is one of the cheapest and most effective ways to save energy and money in your home. Block up unwanted gaps that let cold air in and warm air out; especially from letterboxes, windows, chimneys and doors, and even gaps in the skirting or floorboards.
Rearrange your furniture
The positioning of your furniture can make a surprising difference to how warm your home feels. Place your bed to be as close to the room’s radiator as possible, without obstructing it, which allows enough space for the radiator’s heat to circulate so that the entire bedroom is warm at night.
Bleed your radiators
If the radiators in your home aren't heating up properly or are cold at the top and warm at the bottom, they could need bleeding. This is a straightforward DIY job that releases any trapped air in the system and makes your heating system work more efficiently and will allow hot water to circulate through your heating system once again. If you can hear radiators gurgling or pipes banging, it’s usually a tell-tale sign that it’s a job that needs doing.
Turn down your heating thermostat by one degree (potential saving: £60 per year)
Your thermostat will turn off your heating system when the set temperature is achieved in your home. Turning it down by just one degree will have a big impact on your heating bill and you probably won’t even notice the difference in temperature.
Take a minute off your shower (potential saving: £95 per year)
Shortening the time that you spend in the shower will reduce the volume of water that goes down the drain, as well as saving you money on the energy used to heat the water. Keeping your shower time to just 4 minutes would certainly save you money.
