Places (IoM) | Home & Interiors | April 2014

Isle of Man | Home & Interiors | April 2014

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The best place to find a new place in the Isle of Man

me family ho roperties premier p ome house & h ... and more

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PLACES

ISLE OF MAN HOMES & INTERIORS Isle of Man | Home & Interiors | April 2014

inside:

The best place to find a new place in the Isle of Man

es family hom erties premier prop e house & hom and more...

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INVOLVED IN PROPERTY? PLACES IS THE PLACE FOR YOU Places is the Isle of Man’s only publication dedicated to multi-agent, highquality property related listings and features.

Places offers ultra competitive rates for high impact premium property goods and services marketing. If you’re an agent, developer, or supply products and services to the homeowner, get in touch. Places is published monthly in Gallery magazine and online at: www.gallery.co.im

GET INCLUDED IN THE NEXT EDITION T: 07624 249249 A

PUBLICATION

PROPERTY & FEATURES Ballakilley, Church Road, Rushen.......................................4

Jurby East............................................................................................................................10

First Impressions Count ...............................................................................6

Malew Street, Castletown.....................................................................12

Peveril Road, Peel.....................................................................................................7

Wybourne Drive, Onchan....................................................................12

Here to Help - Isle of Man Bank...........................................8

Derby Square, Douglas..............................................................................14

Finishing Touches.................................................................................................9

Ballachurry House, St Jude’s.......................................................15

Kingswood Grove, Douglas...........................................................10

BECAUSE QUALITY MATTERS

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Ballakilley CHURCH ROAD, RUSHEN

THE CEDAR (4 BED)

THE OAK (4 BED)

SET WITHIN A BEAUTIFUL SEMI-RURAL LOCATION TO THE WEST OF PORT ERIN WITH VIEWS TOWARDS SOUTH BARRULE, BALLAKILLEY IS A STUNNING DEVELOPMENT OF CONTEMPORARY SEMI-DETACHED AND DETACHED HOMES LESS THAN A MILE FROM THE CENTRE OF TOWN.

LUXURIOUS BATHROOMS AND EN-SUITES

Offering a choice of three, four and five bedroom homes in a range of new contemporary styles exclusive to this development, Ballakilley is conveniently located within easy reach of all local amenities.

flexible open plan layouts and are ideal for a growing family or for those who want to make the move to a more energy-efficient, low maintenance home.

The local primary school is a short walk from the development and the nearest secondary schools are around four miles to the west in Castletown. The Island’s capital Douglas is approximately 30-minutes drive away - so the school run and daily commute couldn’t be easier.

Completed to Heritage Homes’ award-winning standards, every property comes with a 10-year NHBC warranty and benefits from exceptional levels of insulation, high-quality double-glazing and central heating systems powered by the latest generation in energyefficient boilers to help you save money on your energy bills.

Designed by Heritage Homes’ award winning Manx-born architect Sue Cannell, these superbly appointed contemporary homes feature

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ISLE OF MAN PREMIER MAGAZINE

Offering a choice of three, four and five bedroom homes in a range of new contemporary styles exclusive to this development, Ballakilley is conveniently located within easy reach of all local amenities.

THE HAZEL (3 BED)

PREMIUM QUALITY FITTINGS, SUPERIOR LEVELS OF CRAFTSMANSHIP AND METICULOUS ATTENTION TO DETAIL ENSURE THE HIGHEST LEVELS OF FINISH INSIDE AND OUT, AND EVERY HOME FEATURES MANY LUXURIOUS ‘EXTRAS’ AS STANDARD INCLUDING:

THE SILVERDALE (5 BED)

• Superb kitchen by top German manufacturer, featuring a range of high-quality, integrated appliances • Luxurious tiled bathrooms and en-suites • Stylish fitted wardrobes • Floor coverings • Landscaped gardens

FLEXIBLE OPEN PLAN LAYOUTS

For full details call Heritage Homes on: 615000, or visit: www.ballakilley.im to find out more.

BECAUSE QUALITY MATTERS

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PLACES

FIRST

impressions COUNT

P

ucts are an asset, so look for a water-based or quick-drying oil-based exterior wood paint for the door.

Because people become so focussed on ‘bigger’ DIY projects - be it converting lofts or installing fancy new kitchens - that one humble, simple door can easily be forgotten.

Painting the door a different colour can make a big difference to your home’s frontage. Ideally, the colour should go with the building’s brickwork, paintwork or other exterior finish, and suit its age and style of architecture. While some, classic colours, such as red, black and dark blue, remain popular for front doors, there are also colour trends - greys, duck-egg blues and greens are fashionable at the moment.

ointing out that the front door is one of the first things visitors see of your home sounds like a very obvious statement - but it’s a statement that can often be over-looked.

The easiest thing to do is change the door furniture - chrome or satin nickel is more fashionable than brass and gives a smart, contemporary look, suited to both period and modern doors. Get metal door numbers to match, or consider frosted-film numbers if you have a glazed or partially glazed door or porch. They can be fiddly to fit, but they look stunning.

Paint on exterior doors has a tendency to crack and flake, letting in water as well as making a poor first impression. If your front door’s paintwork is tatty, start by removing it from its hinges and taking off the door furniture. Use a wood scraper to remove any flaking or cracked paint, then sand smooth and apply flexible exterior wood filler to the repairs. Sand it - and the rest of the door when set.

Wood filler dries fairly quickly anyway, but at this time of year, quick-drying DIY prod-

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Apply a coat or two of exterior wood primerundercoat (preferably quick drying) and once dry, rub down the door with fine sandpaper to remove any dust and debris, then wipe over with a damp cloth. When dry, this will create a good surface for the topcoat to adhere to and should ensure a better finish.

For the topcoat, use an exterior wood paint (again, preferably quick drying) and apply to all the exposed surfaces, including the top and bottom edges. Missing these will mean that water seeps in over time, causing the wood to shrink and expand. When the first coat’s completely dry, apply a second coat, if necessary.

regulations. The door may need to comply with building regulations, particularly if it is glazed. And if you live in a listed building, you may need consent from your local council’s conservation department to alter the door, even in a small way.

Restrictions can also apply if your home is on ‘designated land’, which includes conservation areas. Again, the local council will be able to tell you what you can and can’t do - planning permission may be required to replace a front door, for example, or even only to paint it a different colour. Similarly, if your home is leasehold, you may need the freeholder’s permission to change the front door, or it may belong to the freeholder and not you - check your lease carefully if in doubt.

Replacing a front door can be tricky for DIYers, because new doors take quite a bit of adjusting to fit the size of the frame, which can be both frustrating and timeconsuming - it’s probably worth getting in professional help. Fitting the locks can also be a challenge, so getting a carpenter in is often advisable, because as well as looking good, your door must, of course, be practical and up to the job of keeping your home safe and secure.

If your front door is beyond repair, you’ll need to replace it, but before you go out and buy a new door, check the rules and

ISLE OF MAN PREMIER MAGAZINE

FOR SALE BY CORONER’S AUCTION

THURSDAY 1ST MAY 2014 • 1PM ON SITE Acting on instructions from the Coroner of Middle

Outstanding Modern Detached House

Ballaquine House, West Baldwin

• Rural Location in a Beautiful Valley with River Frontage • 3 Reception Rooms • Kitchen • Breakfast Room/Study • Utility Room • 6 Bedrooms (5 En-Suite ) • Family Bathroom • Self Contained One Bedroom Guest Apartment • Leisure Complex Including Heated Swimming Pool, Spa, Sauna & Jacuzzi • Oil Fired Central Heating • Double-Glazing Throughout • South-Facing Terrace approx 2,600 sq ft • Beautifully Lawned Gardens & Paddocks • Set in Approx 12.5 acres with a 1800sq ft Barn

www.deanwood.im

Ref DDP03229

DeanWood Agencies Tel: (0)1624 620606 Email: info@deanwood.co.im

REDUCED

PEVERIL ROAD, PEEL £399,950 (now £375.000) Manx Slate Fireplace -

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‘Brottby’ circa 1890, is a delightful Victorian semidetached residence with lots of character such as Manx slate fireplaces and large windows with decorative glass panels. Set over two floors, the property comprises three/four bedrooms and two reception rooms, a bespoke kitchen and breakfast room, bathroom and separate toilet. In addition to this, there is also a conservatory, two attic rooms, a double garage and off-road parking. There are front and rear gardens including a vegetable garden.

HARMONY HOMES, PEEL T: 845252 www.harmonyhomes.co.im

BECAUSE QUALITY MATTERS

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PLACES

RICHARD, A HOMEOWNER LOOKING TO DOWNSIZE AND BUY A NEWER PROPERTY Richard owned a detached bungalow with a considerable amount of land. The objective was to acquire a newer property which had less land and which would be easier to maintain. Richard explains: ‘The Bank understood our requirements from the outset, organised various mortgage and insurance options for us to select from and once we had chosen the best mortgage and insurance offers for us they were set up quickly with no hassle. One part of our move that was stress free!’

HERE TO HELP EVERY STEP OF THE WAY WORDS Stuart Chivers Head of Mortgages, Isle of Man Bank

Buying a home is always a significant event for anyone and, whether a first time buyer or an experienced homeowner, there are always key decisions to make.

At present, in a period of abnormally low interest rates but with the likelihood that rates will eventually rise, the choice of mortgage scheme is a major consideration.

There are a number of options available to those seeking a mortgage. Currently there is a significant volume of customers who have selected a mortgage rate fixed for five years on the assumption that interest rates are set to increase soon. Customers, however, should not rule out tracker rates which take advantage of the low rates now available. In addition, and importantly for those who want to keep options available for fixing in the future, after three months our tracker rates allow customers to move to the equivalent fixed rate for the remainder of the product term. While the product fees that are chargeable on some of our fixed rates would apply, customers may recover these fees and even reduce overall borrowing costs from the savings made compared to staying on the tracker rate if interest rates rise sufficiently. Alternatively, customers can opt for some of the loan on a fixed rate and some on a tracker if they want to hedge their bets.

A starting point for anyone considering house purchase is a discussion with our mortgage specialists who can lay out all the options for the customer and explain the schemes including how the tracker, fixed rate and variable rate mortgages work, how mortgage repayments are calculated and what options are available to swap

between one product and another. They will look at the unique circumstances of the customer such as their deposit, employment and salary and explore what they can realistically afford to repay on a monthly basis.

Once a meeting has been held with a member of the Isle of Man Bank mortgage team and an application processed, customers can expect an answer in principle about whether the mortgage will be granted within two weeks, so people can immediately concentrate their minds on the finding of a suitable property in the price range agreed.

Our mortgage team is there to help throughout the home buying process, even before you start to look, to the completion day and beyond. They will also discuss insurance that is required and will assist with the schemes and options available designed to protect the home should unforeseen circumstances prevent the mortgage holder from meeting the regular payments.

The needs of every customer are inevitably different but in our examples below, readers may recognise their own circumstances.

These illustrations show just two customers who we have been able to assist during the last few months. Customers do not have to operate their main bank account with Isle of Man Bank to apply for a mortgage.

FOR MORE INFORMATION OR TO ARRANGE A MEETING TO DISCUSS YOUR OPTIONS IN MORE DETAIL PLEASE CONTACT A MEMBER OF OUR MORTGAGE TEAM ON 01624 637676.

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JOHN AND SARAH COULDN’T SELL BUT THEN CHOSE A DIFFERENT OPTION INCLUDING A ‘BUY TO LET’ John and Sarah had first tried to sell their existing home but there had been no take up, so they considered another option which was to look at keeping the current property and renting it out using a ‘buy to let’ mortgage scheme, but also buying a new property for occupation.

John reflects: ‘The possibility of keeping our existing property as an investment was very appealing and the Bank was excellent in explaining all the options to us.’

The result was the customer was able to keep their existing house as an investment, find a tenant and buy a new home.

PETER AND MARY WERE KEEN TO HELP THEIR SON TO GET ON THE PROPERTY LADDER IN LONDON We were looking to help our son who lives and works in London onto the property market. We had a small mortgage left on our Isle of Man home (10% loan to value) with another lender. Having banked with the Isle of Man Bank for 35 years they understood my personal circumstances and did their utmost to assist me. It was reassuring to deal with a relationship manager I have got to know over a period of time and can trust. My relationship manager supported us quickly and efficiently to remortgage and raise the necessary funds to purchase the flat in London outright.

ZOE A FIRST TIME BUYER LIVING AT HOME Zoe was living at home with her parents and staying at her boyfriend’s also. She wanted a joint mortgage with her boyfriend so that they could buy a three bedroom home. The Bank team was able to point her to the first time buyer’s scheme.

She said: ‘The Bank at Port Erin branch was brilliant in making sure everything went through smoothly. We would never have been able to buy the house we wanted without the help of Isle of Man Bank’s mortgage specialist.’ *Clients’ names have been changed to respect privacy.

ISLE OF MAN PREMIER MAGAZINE

PLACES

The little things that make a big difference in making your house a home. Everything you see here is available at Shoprite Living.

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1. Slim Water Butt 100-litre £19

4. Mini Hose Reel 10-metre £14

8. Jersey Garden Gloves 3-pack £2.25

11. Bulldog Garden Ornament £14

2. Sandstone Round Tall Planter 40cm £17

5. Tulip Solar Light £2.25

9. Colour Changing LED Butterfly String Lights 20-pack £11

12. Small Mesh Steel Bird £6

3. Mushroom Garden Ornament £8

6. Cream Holden Pot £6 7. Watering Can 7-litre £4

10. Rustic Wooden Welcome Sign £6

13. Barcelona Solar Light Set 4-pack £14 14. Disco Ball Solar Light £9

PRODUCTS AVAILABLE FROM SHOPRITE LIVING, CHESTER STREET, DOUGLAS AND MARINA LANE, PORT ERIN. BECAUSE QUALITY MATTERS

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PLACES

FEATURED PROPERTY

JURBY EAST £710,000

Excellent views of Snaefell -

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‘Ballafletcher’ is a spacious detached bungalow, situated in 15-acres of land in a beautiful secluded location enjoying views of Snaefell, North Barrule and Sky Hill. The accommodation is flexible and well designed; briefly comprising of an open plan dining hall, formal living room, conservatory, breakfast kitchen, utility/laundry room, four double bedrooms, and a family bathroom. The overall construction lends itself to easy internal remodelling and extension should the new owner wish to do so. A further benefit to this property is the huge modern outbuilding which would be suitable for a variety of purposes.

HARMONY HOMES, RAMSEY OFFICE T: 818222. www.harmonyhomes.co.im

KINGSWOOD GROVE, DOUGLAS £289,000 4 Large Bay Window 6 3 2 A spacious end of terrace town house - which is conveniently located close to schools, shops and most Douglas amenities. On the ground floor, the property consists of a generously sized sitting room which features a large bay window and an open grate fireplace, a separate dining room with a cast iron grate fireplace, a large modern fitted breakfast kitchen and a utility room. On the first floor the master bedroom has a cast iron period style fireplace and a stunning en-suite bathroom with a freestanding roll top bath.

Throughout the property, there are a further five double bedrooms (one en-suite), with bedroom five enjoying distant sea views, a modern family bathroom and separate toilet. The property has a small front garden and rear yard with access to the rear lane.

Harmony Homes, Douglas T: 616200 www.harmonyhomes.co.im

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ISLE OF MAN PREMIER MAGAZINE

E EW S N LEA RE

NEW HOMES IN PORT ERIN ÂŁ272,950 PRICES FROM

Set within a beautiful semi rural location to the west of Port Erin and with views towards South Barrule, Ballakilley is our latest new development of 3, 4 and 5 bedroom semi detached and detached homes less than a mile from Port Erin town centre.

Price includes: 3 Stunning German designed kitchens 3 Full range of integrated kitchen appliances 3 Floor coverings 3 Stylish fitted wardrobes 3 Luxurious tiled bathrooms 3 Landscaped front garden

Call 01624 615000 Visit ballakilley.im Sales Suite, 22-24 Victoria St, Douglas OPEN 7 DAYS A WEEK. To scan the code, download a QR code reader app for your mobile device. Specification may vary subject to house type and build stage. Full details available on request. Prices and details correct at time of going to print. Images indicative only.

PLACES

FEATURED PROPERTY

MALEW STREET, CASTLETOWN ÂŁ325,000 4 3 4 2 Large Lounge Area This spacious and characterful house has recently been reduced in price. The property is conveniently situated within walking distance of all Castletown amenities and consists of a large lounge with an open fireplace, a family room, dining room, modern kitchen with appliances, a master bedroom with a large en-suite bathroom, a further three bedrooms and a family bathroom with bath and separate shower. Outside there is a delightful walled garden with a lawn area, flower borders, a raised flower bed and an archway to a further walled garden with lawn and flower borders. There is also a stone storage shed outside.

Harmony Homes, Port Erin T: 835252 www.harmonyhomes.co.im

WYBOURNE DRIVE, ONCHAN ÂŁ475,000 4 Conservatory 3 5 3 A substantial detached family house which offers additional accommodation with a one bedroom annexe. Set in a popular residential area of Onchan, this property offers two reception rooms and a UPVC double glazed conservatory which overlooks the rear lawned gardens and views. The downstairs accommodation also comprises a well-stocked breakfast kitchen, a utility room and shower room.

Upstairs the property boasts four double bedrooms (one en-suite) and a family bathroom. An attractive feature is the large balcony to the front of the property for the family to enjoy. The property also has a driveway leading to a double integral garage. The annexe enjoys a separate entrance door and comprises a lounge, double bedroom, kitchen and shower room.

Harmony Homes, Douglas T: 616200 www.harmonyhomes.co.im

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ISLE OF MAN PREMIER MAGAZINE

Mortgages?

We’ve got it all Helpful banking, making things easier Whether you are an existing mortgage holder, a first time buyer, looking for a buy to let or equity release, pop in and talk to our Personal Mortgage Advisers who will help you every step of the way.

We’re making banking easier... ask us how!

Call in to any branch iombank.com/helpfulbanking Like us on Facebook Follow us on Twitter @iombank

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Isle of Man Bank Limited (IOMB). Registered Company Number: 1 Isle of Man. Registered Office: 2 Athol Street, Douglas, Isle of Man, IM99 1AN. Licensed by the Financial Supervision Commission of the Isle of Man and registered with the Insurance and Pensions Authority in respect of general business. Over 18’s only. Security required. Calls may be recorded.

PLACES

FEATURED PROPERTY

DERBY SQUARE, DOUGLAS ÂŁ895,000 2 4 4 High Tech This magnificent Georgian town house has been virtually fully re-built by the reputable builder/developer Forest Homes, using high-quality fixtures and fittings throughout. They have very carefully and sympathetically retained or installed many of the original features, including plaster ceiling cornices and period fire surrounds, then added modern conveniences to include state-of-the-art fitted kitchen and bathrooms, CAT 5 communications cabling/system and hard wired entertainment throughout the property. New uPVC double glazed sliding sash windows have been installed together with an intelligent gas fired central heating system with a pressurised hot water cylinder, providing copious amounts of instant hot water for the kitchen and bathrooms. The spacious, well presented and tastefully decorated accommodation briefly comprises a ground floor lounge/dining room, a fully-fitted kitchen with appliances, a utility room and a large integral single garage. The first floor has a generous sitting room with a balcony overlooking the delightful Derby Square gardens, bedroom two, a family bathroom and a decked, entertaining terrace; the upper floors contain three further bedrooms all with en-suite facilities; bedroom four also has a large, forward-facing decked balcony, enjoying fabulous views over Derby Square gardens and distant views out over the rooftops into Douglas Bay. This delightful town house is conveniently situated within walking distance of the majority of Douglas amenities and only a 20-minute drive from the airport and public schools in Castletown.

Harmony homes strongly recommend an internal inspection of this recently completed property.

Harmony Homes, Douglas T: 616200 www.harmonyhomes.co.im

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ISLE OF MAN PREMIER MAGAZINE

...helping you move

BALLACHURRY HOUSE, ST JUDE’S £1,495,000

Set in eight acres of secluded, mature woodland, Ballachurry House is an historic rural estate - at the heart of which lies a gracious five bedroom country home dating from the mid-1700s.

With stabling for ten horses, an outdoor manège, 40 x 20m indoor arena, paddocks, and extensive outbuildings, the property will appeal to all with a love of equestrian pursuits, collectors of classic cars, or simply families who enjoy the country life, seclusion, and tranquillity.

Accommodation comprises a choice of elegantly proportioned rooms providing opportunities for entertaining on the grand scale or for more casual gatherings. All principal living and bedroom accommodation offers magnificent views of the gardens and surrounding woodland.

For further information or to view contact Mark Canty at Cowley Groves, Ramsey – tel. 812823 or email mcanty@cowleygroves.com.

T: 01624 812823

E: mcanty@cowleygroves.com

G I O I E L L I

76 Strand Street, Douglas Isle of Man IM1 2EW

Tel 01624 690450

enquiries@wilkinsthejeweller.co.uk

www.wilkinsthejeweller.co.uk