Property Monthly
Home Sweet Home See Page 13 for More Details
October 2020
Issue No. 191
Stay Connected!
We’ve made it easier to get a mortgage. You may not even need to get out of bed.*
Our upgraded mortgage service and expert mortgage arrangers could help you get your first mortgage or move your existing one for a better rate. All without leaving the comfort of your own home. Ask in branch about our mortgages.
Mortgages made easier. • Securely submit your documents online • Competitive rates • Low minimum deposit**
03456 006161
Your property may be repossessed if you do not keep up with repayments on your mortgage.
ciiom.hsbc.com/mortgages
**All mortgages are subject to status and eligibility criteria. Terms and conditions apply.
*New customers will need to come in branch to verify identification. Salary criteria applies. The maximum amount you can borrow will depend on your individual financial situation, your other circumstances, the property you wish to buy and the type of mortgage you choose. Mortgage lending provided by HSBC Bank plc. Registered in England and Wales number 14259. Registered office 8 Canada Square, London, E14 5HQ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. HSBC Bank plc, Jersey Branch is regulated by the Jersey Financial Services Commission for Banking, General Insurance Mediation, Fund Services and Investment Business. 200827/IC/360
WEB
www.thompsonestates.com
sales@thompsonestates.com
TEL
01534 888855
3
NEW
COMING SOON Top floor apartment on the outskirts of town. 1 double bedroom, spacious lounge, separate kitchen, bathroom and utility cupboard. Allocated parking for 1 car. Asking £310,000
FLYING FREEHOLD
£335,000
APARTMENT
Please call Mark on 07797 736514 St Helier
1
1
1
NEW & SOLE
NEW & SOLE
SHARE TRANSFER
FLYING FREEHOLD
£439,000
APARTMENT
UNDER OFFER - SIMILAR PROPERTIES REQUIRED
£375,000
APARTMENT
St Helier
2
2
1
RES029
RES021
St Helier
2
1
0
RES057
4
WEB
www.thompsonestates.com
sales@thompsonestates.com
TEL
01534 888855
NEW
SHARE TRANSFER
FLYING FREEHOLD
£395,000
APARTMENT
£405,000
APARTMENT
St Brelade
St Helier
2
1
1
RES088
3
1
SOLE
NEW & SOLE
FREEHOLD
SHARE TRANSFER
£420,000
APARTMENT
1
RES093
£420,000
APARTMENT
St Helier
2
2
0
RES001
St Helier
2
1
2
RES102
WANTED Renovation projects in any price range for waiting buyers! Must have an outside space and parking.
FREEHOLD
£425,000
COTTAGE
St Helier
2
1
0
RES098
Call 01534 888855
WEB
www.thompsonestates.com
sales@thompsonestates.com
TEL
01534 888855
5
LAST REMAINING UNIT
SHARE TRANSFER
FLYING FREEHOLD
£450,000
APARTMENT
£475,000
APARTMENT
St Helier
St Helier
2
2
1
RES169
FREEHOLD
2
2
1
FREEHOLD
£495,000
COTTAGE
£575,000
HOUSE
St Peter
2
RES058
1
1
RES094
St Helier
4
3
0
RES034
6
WEB
www.thompsonestates.com
sales@thompsonestates.com
SOLE
NEW & SOLE
FREEHOLD
FREEHOLD
£615,000
HOUSE
4
NEW & SOLE
0
RES004
UNDER OFFER - SIMILAR PROPERTIES REQUIRED
St Saviour
3
1
2
FREEHOLD
£720,000
HOUSE
£795,000
HOUSE
St Lawrence
2
6
RES048
NEW
FREEHOLD
£860,000
DETACHED HOUSE
St Clement
3
RES018
NEW & SOLE
FREEHOLD
3
01534 888855
£579,000
HOUSE
St Helier
4
TEL
2
2
RES145
St Saviour
5
2
2
RES005
09/2020
The Jersey property market remains buoyant, with sales taking place at all levels, although higher value transactions and the mortgages to which they are linked, have increased noticeably since the beginning of the year. This high level of activity has taken everybody by surprise and flies in the face of the gloomy forecasts which were being made only a few months ago. Our team at the Mortgage Shop is receiving dozens of enquiries every week from buyers and borrowers who have both the deposit and the sustainable income to enable them to make quick decisions and offers. Due to market pressure, it is frequently the asking price which is agreed upon, although we still occasionally hear of price reductions.
The Best Rates... Mortgage interest rates have remained unchanged this month, with some extraordinarily low options available - the market leaders being the 1% tracker for 75% mortgages at one end of the scale and the 5-year fixed option at 2.09% at the other end.
Pick of the Bunch
(% loan to property value/price)
60%
2 year fixed
1.14%
60%
5 year fixed
1.34%
60%
7 year fixed
2.03%
75%
2 year tracker
1.00%
85%
2 year tracker
1.29%
85%
2 year fixed
1.44%
85%
5 year fixed
1.79%
90%
2 year tracker
1.59%
90%
2 year fixed
1.69%
90%
5 year fixed
2.09%
60%
BTL 2 year fixed
1.35%
60%
BTL 5 year fixed
1.95%
www.mortgageshop.je
LATEST HOUSE PRICES? Statistics Jersey have confirmed an increase in property prices of 7% in each of the past two years, with an additional 4% so far this year, which translates into new mix adjusted figures of: 1 bed flat 2 bed flat 2 bed house 3 bed house 4 bed house
£268,000 £439,000 £537,000 £634,000 £1,067,000
This is great news for anybody selling, although First Time Buyers in particular, aren’t going to be inspired by these figures. The only consolation being that whilst the official statistics provide an accurate summary of market activity, they do not drill down to show the difference between newly built flats and houses and the much cheaper ‘’second hand’’ part of the market. Fortunately, the local economy, which is predominantly reliant upon the finance sector, has remained reassuringly busy and this is reflected in the current high activity in the housing market. The key element, however, is that due to potential future demand, prices will inevitably continue to rise, as there may not be sufficient properties coming onto the market to satisfy that demand.
info@mortgageshop.je
PAYMENT HOLIDAYS Mortgage lenders were quick to introduce payment holidays at the start of the lockdown, initially for three months and then extended until October 31. This may have been a saving grace for many families struggling on a reduced income, and it is hoped that lenders will continue to be supportive for those who still need help. FIXED RATE COMING TO AN END? If your mortgage rate is coming to the end of its fixed term, it is worth seeing what is available from other mortgage lenders before committing to a new option from your current lender. The team, at the Mortgage Shop receives many enquiries each week and, whilst we cannot always offer a better solution, it is still very rewarding to see how much we can save some of the borrowers who contact us. Or at the very least, provide them the assurance that they have already secured the best option. The Mortgage Shop continues to interpret and analyse the full range of mortgage products that are available from every lender in the Island, ensuring that buyers and borrowers are matched to the best options that are available.
Your home is at risk if you do not keep up with repayments on a mortgage or other loans secured on it
8
WEB
NEW & SOLE
www.thompsonestates.com
UNDER OFFER - SIMILAR PROPERTIES REQUIRED
sales@thompsonestates.com
FREEHOLD
£699,000
HOUSE
£895,000
BARN CONVERSION
St Helier
2
2
RES110
St Brelade
3
3
NEW & SOLE
SOLE
FREEHOLD
SHARE TRANSFER
£895,000
BUNGALOW
4
1
9
RES036
RES003
£925,000
DETACHED HOUSE
St Mary
3
01534 888855
SOLE
FREEHOLD
3
TEL
Grouville
4
2
3
WANTED 3 or 4 Bedroom home in the West of the Island. Must have a good size garden, parking and ideally a garage or workshop. Up to £870,000 Please contact Kerry on 07797 825122
RES025
www.thompsonestates.com
sales@thompsonestates.com
SOLE
FREEHOLD
TEL
01534 888855
UNDER OFFER - SIMILAR PROPERTIES REQUIRED
FREEHOLD
£985,000
DETACHED HOUSE
£995,000
HOUSE
St Peter
4
9
3
6
St Martin
3
RES009
2
5
RES040
WANTED 4 Bedroom character properties for waiting buyers! Any location considered. Must have a swimming pool, large garden, garage and parking. Between £1,200,000 - £1,750,000 Please call Kerry on 07797 825122
SINCE 1869 For over 150 years Jersey Mutual has been protecting Island homes. During that time Jersey has gone through many changes.
Jersey Mutual promises to continue devoting all of its energy, passion and commitment to serving its Members and the Island for the next 150 years.
®
Est Est 1869 1869
Home & Contents Insurance Specialist Call 734246 or visit www.jerseymutual.com
Jersey Mutual is regulated by the Jersey Financial Services Commission
GEN/20
WEB
10
WEB
www.thompsonestates.com
FLYING FREEHOLD DUPLEX APARTMENT
£1,200,000 St Aubin
2
2
2
RES186
SOLE
FREEHOLD
£1,295,000
DETACHED HOUSE
St Helier
4
3
4
RES111
NEW & SOLE
FREEHOLD
£1,300,000
GRANITE HOUSE
Grouville
4
3
4
RES112
sales@thompsonestates.com
TEL
01534 888855
WEB
www.thompsonestates.com
sales@thompsonestates.com
TEL
01534 888855
NEW
FREEHOLD
£1,300,000
HOUSE
St Peter
4
4
5
RES037
NEW & SOLE
FREEHOLD
£1,395,000
DETACHED HOUSE
St Clement
5
3
10
RES077
• Windows • Gutters • Carpets • Upholstery • Office & House Cleaning • • Power Washing • General Cleaning Services • • Fully Insured - Free Quotations • M.: 07797 764180 T.: 01534 789965 E.: ultimatecleaning@myself.com
11
12
WEB
www.thompsonestates.com
sales@thompsonestates.com
NEW & SOLE
NEW
FREEHOLD
FREEHOLD
£1,375,000
GRANITE HOUSE
3
8
RES101
01534 888855
£1,400,000
DETACHED HOUSE
Trinity
5
TEL
St Peter
4
3
4
RES065
SOLE
FREEHOLD
FREEHOLD
£1,450,000
DETACHED HOUSE
DETACHED COTTAGE
Rural St Helier
5
3
10
RES030
£1,495,000 St Peter
3
3
6
WANTED Modern 4 bedroom house in the West of the Island. Must have a low maintenance garden, garage and parking. Up to £1,500,000
Please call Kerry on 07797 825122
RES099
www.thompsonestates.com
WEB
SOLE
sales@thompsonestates.com
TEL
01534 888855
FRONT COVER PROPERTY
FREEHOLD
£1,500,000
GRANITE HOME
St Peter
3
3
10
RES115
ISLAND MORTGAGES
Found the right home? Let us arrange the right mortgage As fellow islanders, our local mortgage specialists are here to arrange a mortgage that works for you. Whether you’re buying for the first time, moving, remortgaging or buying to let, your dedicated Lloyds Mortgage Manager will guide you through the whole process. We can offer appointments within days, either in branch or by phone. You could lose your home if you don’t keep up your mortgage repayments. You must be aged 18 or over, residency and lending criteria apply.
Visit your local branch or find out more at islands.lloydsbank.com/mortgages
Lloyds Bank Corporate Markets plc is authorised and regulated in the UK as the non ring-fenced bank of the Lloyds Banking Group. The Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc are each separately licensed as regulated deposit-takers in their respective jurisdictions. Lloyds Bank Corporate Markets plc is independent from Lloyds Bank plc, which is authorised and regulated in the UK as the ring-fenced bank of the Lloyds Banking Group. For more information on ring-fencing visit international.lloydsbank.com/ringfencing. Mortgage applicants must be aged 18 or over and resident in the Channel Islands or Isle of Man, and meet our lending criteria. Lending is at the Bank’s discretion. How much we lend, the rate available to you and the issue of a loan is subject to our assessment of your circumstances. Lloyds Bank International is a trading name of Lloyds Bank Corporate Markets plc, Jersey Branch. Lloyds Bank Corporate Markets plc’s registered office: 25 Gresham Street, London EC2V 7HN. Incorporated in England and Wales with company number 10399850. Lloyds Bank Corporate Markets plc in the UK is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 763256. Authorisation can be checked on the Financial Services Register at www.fca.org.uk. The Jersey branch of Lloyds Bank Corporate Markets plc’s principal place of business is 11-12 Esplanade, St Helier, Jersey, JE2 3QA and is licensed by the Jersey Financial Services Commission. Lloyds Bank Corporate Markets plc, Jersey Branch, subscribes to the Jersey Code of Practice for Consumer Lending. This information is correct as of August 2020.
13
14
WEB
SOLE
www.thompsonestates.com
sales@thompsonestates.com
TEL
01534 888855
PLANS PASSED TO CREATE YOUR OWN HOME
CONFIDENTIAL INSTRUCTION Lovely 5 bedroom, 5 bathroom family home in St Saviour. Separate 1 bedroom unit ideal for guests. Stunning manicured garden and parking. Asking £1,900,000
Please call Kerry on 07797 825122 or James on 07829 835076 for more details
FREEHOLD
£1,625,000
DETACHED HOUSE
Grouville
5
NEW
4
7
RES064
PLANS PASSED TO CREATE YOUR OWN HOME
NEW
FREEHOLD
FREEHOLD
£1,950,000
DETACHED HOUSE
£1,975,000
PERIOD PROPERTY
St Martin
5
4
20
RES024
SHARE TRANSFER DUPLEX GARDEN APARTMENT
£1,995,000 St Lawrence
3
3
2
RES078
St Lawrence
8
2
10
RES056
WEB
www.thompsonestates.com
sales@thompsonestates.com
TEL
01534 888855
15
NEW
FREEHOLD
FREEHOLD
£2,200,000
DETACHED HOUSE
£2,250,000
DETACHED HOUSE
St Peter
5
3
12
RES035
St Brelade
4
3
10
RES051
NEW DEVELOPMENT
FREEHOLD
FREEHOLD
Prices from £2,895,000
LUXURY HOUSES
£2,995,000
GRANITE HOUSE
Gorey
3
3
3
Take the stress out of your next move
RES161
St Brelade
8
5
20
RES026
Buying and selling property can be demanding. But it needn’t be stressful. Our property experts are here to advise you every step of the way, so you can relax with the peace of mind that your transaction is in safe hands. Contact our experts 01534 888666 property@viberts.com www.viberts.com
16
Lettings
QUALIFIED
QUALIFIED
£1,150 pm
APARTMENT
QUALIFIED
£1,250 pm
APARTMENT
St Helier
1
1
0
REN003
£1,750 pm
APARTMENT
St Helier
1
1
0
REN054
St Helier
2
2
1
REN036
FULLY FURNISHED
QUALIFIED
QUALIFIED
£1,950 pm
APARTMENT
QUALIFIED
£4,500 pm
APARTMENT
St Lawrence
2
2
2
REN014
£4,700 pm
APARTMENT
St Brelade
3
2
2
REN047
St Martin
3
3
2
REN015
Studios. Apartments. Luxury Houses. Our lettings & management have got it covered.
Call Us: 01534 888855 Or Email: info@thompsonlettings.com
www.thompsonlettings.com Lettings
17
JERSEY
High End Rental Available Luxurious Newly Built Family Home Available for Rent. 5 Bedrooms and 5 Bathrooms. Asking £12,000 per month. Please Call Rebecca on 07797 751527 for More Information.
St Helier
Asking Price ~ £1,450,000 FC034
This fantastic 2 bedroom 2 bathroom penthouse apartment overlooks the whole of St Aubin’s Bay, and is located only a short walk to the town centre. The spacious kitchen/diner has sliding doors out onto one of three balconies, whilst the large bright living room leads out to the side west facing terrace. Both double bedrooms benefit from en-suite bathrooms and access to the rear balcony, and the master bedroom also offers a walk-in wardrobe. There is a secure store room in the basement, 2 allocated parking spaces, and ample visitor parking.
St Aubin
Asking Price ~ £1,390,000 FC064 - NEW
This luxurious apartment is nestled in a privileged location overlooking St Aubin’s Bay, and has been fitted with top of the range appliances and finished to an exceptionally high standard. Internally there is an open plan kitchen/living room with floor to ceiling windows making the most of the view, two large bedrooms with luxury en-suite facilities, the master also benefits from a walkin wardrobe. There is also a utility room and WC. This first floor apartment has a large balcony which can be accessed by the living room and master bedroom, a perfect place for al-fresco entertaining opportunities.
Trinity
Asking Price ~ £2,650,000 FC048 - LAST REMAINING UNIT
Les Beaux Champs is an exclusive gated development of four houses situated in the heart of the Parish of Trinity, one of Jersey’s most desirable areas, within easy reach of the town centre, private and parish schools and Jersey Airport. Unit 3 is a 5 bedroom, 5 bathroom period residence that is influenced by local historical buildings with subtle French undertones. Measuring circa 4,012 sq.ft. Local developer, The Siena Group, have teamed up with Jersey’s finest designers, craftsmen and engineers to offer the highest quality houses with the most up to date technology that Jersey has seen in recent years.
TEL: 01534 840022
www.fineandcountryjersey.com
18
JERSEY
Rural St Helier
Asking Price ~ £1,625,000 FC054 - NEW
Skyfall is a stunning 4 bedroom house that has been meticulously rebuilt by the present owners to create a modern versatile home. The property features an impressive open-plan living area, kitchen and dining space that stretches through to an alfresco area and private terraced garden. Upstairs the master suite has double height ceilings and a wall of glass provides a ‘wow’ factor with attractive countryside views and access to the upper level garden, his/hers dressing room and an en-suite bathroom. To complete the property is a brick-paved forecourt parking for up to 7 vehicles and in addition to this are two garages with electric garage doors, a large dry, storage area and an auto-stacker car lift, allowing 3 cars to be garaged.
St Martin
Asking Price ~ £2,250,000 FC061 - NEW
Somerleigh, a classical Grade 3 listed period property with a definite air of grandeur and sophistication. The 4 bedroom property is a perfect blend of contemporary charm and character features, and in recent years the owners have undertaken a modernisation program resulting in well considered, tasteful additions that complement this highly desirable home. Four reception rooms and a large kitchen provide excellent family accommodation, and a large south facing garden offers an outdoor swimming pool and pool house that would look right at home in a French villa. The swimming pool is located at the end of the garden and offers absolute privacy with a beautiful rural outlook over fields.
St Brelade
Asking Price ~ £2,150,000 FC010 - NEW
A beautifully renovated 4 bedroom Georgian style home located in the ever popular parish of St Brelade, just a short distance away from La Moye Golf Club, Waitrose and the airport. Presented in show home condition, the present owners have created an elegant home inside and out and to the rear is a private south-facing Tuscan garden paradise complete with a choice of Al Fresco seating areas and small pool. All reception rooms have great natural light and access directly to the garden, whilst the master bedroom suite has views over Les Creux Country Park and its own private balcony. To the front is parking for up to 4 cars, an integral double garage and garden.
St Brelade
Prices From ~ £2,750,000 FC099
Introducing Jersey’s most prestigious, luxury residence, ONE St Brelade. An exclusive address on the south coast of the Island of Jersey offering a rare and wonderful opportunity to live at this highly desirable location. PURCHASE OFF PLAN TODAY! Eleven individually crafted and beautifully appointed apartments offer panoramic sea views over the bay of St Brelade that stretch to the secluded beach of Ouaisne. This exquisite development features exceptional convenience with a wealth of luxury amenities, including a state-of-the-art gym and wellness room together with stunning soft-landscaped communal gardens and secure underground parking.
TEL: 01534 840022
www.fineandcountryjersey.com
19
JERSEY
St Martin
Asking Price ~ £2,900,000 FC039 - NEW
This impressive Georgian home is the perfect balance between old and new, and has been sympathetically modernised by the present owner. The exceptional extension provides a real ‘wow’ factor kitchen with vaulted ceiling and top of the range appliances, a fantastic entertaining and leisure space. The main house provides 4 bedrooms, 2 being en-suite and a house bathroom. Adjoining the kitchen is the converted barn which provides a spacious first floor open plan study area overlooking the kitchen, 2 double bedrooms and bathroom all accessed via a separate staircase. Externally there are two approaches, one via a long drive, a large enclosed rear garden, an adjoining field, ample garaging and parking.
Rural St Helier
Asking Price ~ £3,495,000 FC015 - SOLE
This lovely country estate sits at the end of a long carriage drive and is surrounded by its own land, offering immense privacy, yet it is surprisingly close to the town centre, schools and colleges. There are 4 reception rooms and cloakroom with a utility room, whilst upstairs there 2 en-suite bedrooms, 2 additional double bedrooms and house bathroom. There is an all-weather tennis court as well as a heated swimming pool, beautiful gardens, orchard, agricultural land and paddock covering approximately 10 acres. The current owner is an avid car collector and surplus garaging for up to 9 cars could easily be converted into a pool house with guest accommodation if required.
Asking Price ~ £3,250,000 FC007 - NEW
St Peter
Surguy Farm is an exceptionally newly restored Grade 4 listed farmhouse with a converted milking parlour. The 5 bedroom main house has many charming features throughout, but also benefits from the addition of a contemporary timber clad ground floor extension which connects the farmhouse to the milking parlor by way of a streamlined hallway and large family kitchen. Bedroom space is versatile, offering ground floor and first floor accommodation with luxury en-suite facilities, whilst the sitting room and study have a wonderful outlook to the south across farmland. Surrounded by over 25.5 vergees of agricultural land and approached via a long tree-lined drive, offering a very good degree of privacy.
St Brelade
Asking Price ~ £4,250,000 FC094
This spectacular 5,000sq.ft detached property is located in one of the Island’s most prestigious and desirable locations. The current owners have completely redeveloped the property, providing a contemporary home filled with an abundance of natural light. The spacious living room and modern full equipped kitchen have full-length bi-folding doors that maximise the panoramic sea views over Quaisne Bay. The generous principal bedroom suite includes a substantial dressing room, with two additional bedrooms enjoying access to the house bathroom. A wine store and separate games room or gym are located at the lower level, along with an integral four car garage.
TEL: 01534 840022
www.fineandcountryjersey.com
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