THE BEST PLACE TO FIND A NEW PLACE IN JERSEY

Jersey’s only specialist property magazine & portal | #146 | May 15th 2016

View properties from all quality agents 24/7 at

www.places.je

Jersey’s most comprehensive 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

VIEW ALL PROPERTIES ONLINE 24/7Don’t forget that you can visit www.places.je anytime and almost anywhere

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FEATURED LISTINGSFeatured Sales ...........................................4Featured Rentals ................................... 26

AGENT LISTINGSDandara ........................................................8 Moore Properties .....................................12Benest Estates ..........................................14Wilsons .........................................................17

FEATURES Castle Tree Homes ................................. 10Viberts ..........................................................16Property Profi le ........................................18JECC Update .............................................21 TMS: Market Update .............................22Finishing Touches ...................................24Directory .....................................................28JEAA Comment ..................................... 30

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THE BEST PLACE TO FIND A NEW PLACE IN JERSEY

Jersey’s only specialist property magazine & portal | #146 | May 15th 2016

View properties from all quality agents 24/7 at

www.places.je

Jersey’s most comprehensive 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

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

“Being set high in St. Martin you have an almost 180 degree view of the French coast in Brittany. On a clear day the French beaches are clearly visible.”

St Ouen £1,395,000Traditional Cod houseDating from approximately 1850 this beautiful and substantial four bedroom property sits in a commanding position overlooking a picturesque area of St Ouen/St Mary. Presented in immaculate condition and retaining many original features. From entering the glazed side panel front door, the first thing that hits you are the high ceilings and the symmetry throughout. Sporting four receptions, and a separate utility on the ground floor, four bedrooms and two bathrooms to the first floor and a large attic room that could be transformed into a whole host of options. Externally the garden areas are bathed in sunshine, they comprise of patio, side garden with chalet and lower terraced garden levels. Just a two minute drive from St Mary’s Village and only five minutes to St George’s Prep School. BENEST 747777

St Martin £995,950Quietly tucked awayIf you love sea and French coastal views, then look no further! This detached three bedroom bungalow has within the past two years been fully refurbished both inside and externally, to a very high standard and is in ‘ready to unpack’ condition. Approx five minute drive to shops, schools and Ransoms Garden Centre. 20 mins drive to town depending on the time of day. Being set high in St. Martin you have an almost 180 degree view of the French coast in Brittany. On a clear day the French beaches are clearly visible. The bungalow briefly comprises; a large living room/diner with feature solid fuel fireplace, a chef’s delight kitchen / dinner with central island, three double bedrooms, two bathrooms and very large loft areas for storage. There is also a single garage and plenty of parking along with potential to extend, subject to planning consent.SAVILLS 722227

5

“Set in the beautiful harbour village of St Aubin, with amazing views of the harbour and bay and access to all of the shops, bars and fashionable restaurants just a few minutes walk from your front door, Cliff House has a lot to offer. ”

“Situated a mere stone’s throw away from the hustle and bustle of Gorey Pier, this two bedroom, two bathroom cottage is an ideal starter home.”

St Brelade £1,290,000Overlooking St Aubin’s harbourSet in the beautiful harbour village of St Aubin, with amazing views of the harbour and bay and access to all of the shops, bars and fashionable restaurants just a few minutes walk from your front door, Cliff House has a lot to offer.  All principle rooms naturally take advantage of one of the finest views that the island can offer. Offering a total of three bedrooms, the accommodation is easily split so that one of the bedrooms can form part of a self contained unit ideal for a housekeeper etc. In addition to the refurbished accommodation, there is an extremely large and private deck to sit and take the sun, also ideal for al-fresco entertaining. There is a double garage with electric door, in addition to parking for approximately four cars.  With easy access to both the airport and St Helier, Cliff House is an ideal secure lock and leave property that offers an excellent alternative to an apartment.WILSONS 877977

St Martin £479,000Situated a mere stone’s throw away from the hustle and bustle of Gorey Pier, this two bedroom, two bathroom cottage is an ideal starter home. Having undergone total renovation, extension and refurbishment, this home is beautifully presented. The property has an ‘upside - down’ layout, with the bedrooms and bathrooms on the ground floor and the open plan living/dining room and kitchen on the first floor, with bi- fold doors leading out to the decked terrace, and with steps up onto a sunny roof terrace, large enough for a table and chairs. Although there is no official parking with the property there is plenty of roadside parking outside the property and free parking in the area, alternatively there is the frequent number one bus.CHOICE 620620

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St Lawrence £1,095,000Elevated position withcountry viewsA detached five bedroom home set in elevated position with open country views, in the heart of St Lawrence. Accessed via a quiet, private lane this property overlooks its own separate field and stream. A nature lover’s delight with approximately 11.5 vergees of woodland and grazing accompanying this property. Of particular note is the landscaped and well planted tiered gardens and large decked area off the living accommodation. The fully equipped kitchen/breakfast room features a curved window overlooking the grounds. The living/dining room, accessed via an archway from the kitchen, has vaulted ceiling and a door to outside. Also downstairs is a recently redecorated utility room, cloakroom, two bedrooms (one en-suite) and a study, which could be used as a third bedroom. Upstairs there are a further two bedrooms and house bathroom. There are two single garages and, to the front of the property, is a detached stable.CHOICE 620620

St Helier £1,250,000Large Victorian residence with sea viewsA most distinctive Victorian property set in a prominent position across the road from the sea. It benefits from spacious rooms, high ceilings, large windows with original internal shutters, original fireplaces and internal doors. In addition to the main five bedroom house, there is a separate one bedroom cottage. Accessed through wrought iron gates to an impressive courtyard with garaging, store/workshop and ample parking. The whole of the property has been very well maintained but would benefit from a little external decoration.  Suitable as a large family home, a home with income, a boutique guest house or for possible conversion to apartments subject to planning permission.HUNT 860650

“A most distinctive Victorian property set in a prominent position across the road from the sea.”

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St Lawrence £1,685,000Two generation rural blissA detached family residence in picturesque St. Lawrence surrounded by your own land. Over time La Chasserie has been completely renovated and offers a great deal of potential for a growing family, with two generation capability and planning permission in place to build above the existing garage. La Chasserie also has plenty of history, dating back to at least 1847 when Jersey farmers were experimenting with land use and dairy herds. Combined the house has four reception rooms, six bedrooms over two floors, four bathrooms, a double garage and plenty of parking Externally the manicured gardens are superb and south facing, in fact with the lay of the land, early morning sunshine lasts all day as the house sits high on the island elevation.SAVILLS 722227

St Helier £1,500,000Cod House in large mature groundsThis most desirable residence c.1830 is available for the first time in over 50 years. Situated in a rural location on elevated ground with magnificent south facing lawned mature gardens. In addition to the main house there is a converted granite Coach House with its own garden and rear gated access. The Coach House is currently divided into two apartments, a garage and large store/workshop. There is also a separate agricultural field to the east of the property ensuring utmost privacy. The property has spacious rooms, high ceilings, large windows and a beautiful round swan neck handrail to the staircase. Additionally, there is a solar heated swimming pool and a rare late Victorian (Gothic Revival) outbuilding/dovecote. Ideally suited to those seeking a project, this outstanding home provides a most exciting opportunity to renovate and create your own design.HUNT 860650

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Castletree Group is made up of a team that has a wealth of property development experience.  Over the last three years, since their inception, they have been working across all areas of property development here in Jersey, where they have clearly shown they understand there is no room for compromise on your new home.  

Inspired by their successful architectural services arm the group have launched Castletree Homes, a brand which has been responsible for a number of excellent smaller renovation and development projects around the island, all of which have lead to them establishing a reputation for innovative design and finish.

Most recently they have begun a series of larger developments at a number of different sites around the island, all of which have been planned and designed with the vendor and surrounding areas in mind.

Haie de Puits is an enclave of five houses, situated in the sought-after parish of Grouville on a quiet rural lane within just a few minutes walk to the local well respected primary school, making this a fantastic option for growing families.  Only one of the five properties remain available at £610,000, so you’ll need to be quick if you want to be one of the lucky new owners in this beautiful

peaceful development.  Unit four has three bedrooms and a study, with the master bedroom having its own ensuite shower room. There is a further house bathroom, and downstairs cloakroom too. On the ground floor is an eat-in kitchen and living room, with double doors accessing it owns private enclosed garden. The house has its own garage and and a further two parking spaces.

Eleven, St Helier is situated on Val Plaisant just a few metres away from St Thomas’s Church.  The development, which is due to be completed in the autumn of this year, consists of a two bedroom cottage and a further four, one and two bedroom apartments, each with their own parking space, an unprecedented plus for any town dwelling.  What was formerly a number of bedsits is now a fantastic option for not only those looking to get on to the property ladder, but also those who love to live in the heart of it all, with shops and restaurants all within walking distance from your front door. Prices from £215,000.

AN ENGLISHMAN’S HOME IS HIS CASTLE

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Highstead, due to complete from Spring 2017 onwards, is a stunning development located off Rue du Tapon in rural St Saviour. Thanks to its elevated position it has far-reaching views across open fields and then to the sea. Yet, it is only a 10 minute walk to the local amenities of Five Oaks and a short drive into St Helier and is of course within very close proximity to all of the main schools on the island.  Here you will find 10 one and two bedroom apartments, which will have their own allocated parking spaces, as well as plenty of visitor parking. They also have access to the large communal gardens

surrounding the development.  There are also a further five cottages, a farmhouse and a coach house which all have their own enclosed private gardens, allocated parking spaces and some have their own garage too. Prices from £295,000.

Perhaps the development of greatest note is that on the site of the former Shakespeare hotel on the St Clements coast road. Boasting one of the most incredible locations on the east side of the island, this really will be the jewel in the Castletree Homes crown.  Once again they have thought carefully about  their surroundings as much as their future vendors.  Taking into consideration the other houses on this stretch of coast road they have worked to keep a Victorian appeal to the property, whilst also ensuring it’s modern and also will weather well in its seaside location.  There are no compromises

when it comes to the finish on Rocque Bay, hidden guttering and triple glazing mean you’re not only guaranteed peace and quiet, but also a very low maintenance property.

The 17 dwellings on this site will include 14 apartments, with a further three houses to the rear of the development.  Maximising the view has been at the very heart of each one of the properties, whether that be out to see or to the green fields behind.  You’ll also have access to the private stairs which will take you directly to the beach across from Rocque Bay, meaning you’re only a few steps away from sunning yourself overlooking the bay of Grouville.  Prices here start from £395,000 but you’ll want to be quick because a great number of these dwellings are already spoken for.

If you’re quick enough to secure a Castletree homes property whilst it remains in the early planning stages, you will have the luxury of working with them to finish your home exactly as you want.  Picking your fixtures and fittings, so that they fit with both your lifestyle and budget, meaning it really will be your dream home.

sales@castletreehomes.je01534 855513www.castletreehomes.je

“Perhaps the development of greatest note is that on the site of the former Shakespeare hotel on the St Clements coast road. Boasting one of the most incredible locations on the east side of the island, this really will be the jewel in the Castletree Homes crown.”

St Saviour

£1,125,000 QUALIFIED

Detached PropertyGarage & Car PortDetached Office / Gym

3 Reception RoomsGarden & TerracesNo Onward Chain

4 3

St Ouen

£525,000 QUALIFIED

Detached PropertyGarage & ParkingPlayroom & Office

ConservatoryEnclosed Garden

3 2

St Helier

£575,000 QUALIFIED

Mid-Terrace Town HouseGarden & Parking2 Reception Rooms

Refurbishment NeededOpen To OffersNo Onward Chain

5 3

St Mary

£815,000 QUALIFIED

Detached PropertyVillage LocationSpacious Lounge

Enclosed GardenGarage & ParkingNo Onward Chain

4 3St Ouen

£1,250,000 QUALIFIED

Rural Green Lane LocationStables and Land

Outdoor Pool & GardenGated DrivewayTwo Generation Potential

5 3

St Helier

£525,000 QUALIFIED

Immaculate Town HouseGarage

2 Reception RoomsSunny Aspect PatioSet Over Three Floors

Detached BungalowGarage & Parking

Enclosed GardenImmaculate Condition

4 3

St Lawrence

£605,000 QUALIFIED

Contemporary Townhouse3 Parking Spaces

Patio & Sun-DeckSuperb Location

3 3 St Helier

£539,000 QUALIFIED

Detached PropertyGarage & ParkingEnclosed Garden

Unfinished ProjectTwo Gen Potential

4 1

St Brelade

£489,000 QUALIFIED

2 1

Spacious equine residence18 Vergees of land + 3,600sqft barnStabling for 12 horsesSwimming pool & tennis court

Renovated detached family homeHigh spec luxury finishR. J. Golf Club 1st tee 2 minute walkPrivate beach access

Modernised family homeLarge living room/dinerLow maintenance gardensIdeal first buy/downsizer/buy to let

Traditional Cod houseMany period featuresBeautiful kitchen with sitting areaLarge attic room. Sunny gardens

Detached home in elevated positionPrivate close of just 2 housesGarage, garden & raised sun terraceFar reaching town views

Detached beach side cottagePanoramic sea viewsFully applianced kitchenGreat investment opportunity

Simply beautiful ground floor aptTotally modernised throughoutPrestigious & peaceful locationHigh spec kitchen. Low service charges

Spacious, 520sqft apartmentOwn private entranceHuge loft. Peaceful locationIdeal first home or ‘buy to let’

Avant-garde architectural designMaximisation of views, light & spaceLuxurious yet Eco-efficient specifications3 Unique homes. Available off plan

Spacious family homeNew kitchen & bathroomGood sized garden. Ample parkingDetached garage w/large loft room

Newly renovated detached cottageA mix of character & modernPrivate woodland area. S/W garden2 outbuildings & carport parking x 2

Spacious purpose built aptFirst floor with lift accessBalcony. Private access to beachSecure undercover parking

Spacious 3800sqft detached family homeEasily converted to 2 generationNew high specification kitchenLarge conservatory, games room & gym

Walk in conditionLarge rear South facing gardenWalk to all amenitiesGood investment option

Detached home on quiet cul-de-sacShort stroll to St Ouen’s VillageConservatory & enclosed gardenGarage & parking

Top floor apartmentFeature bay window S/facingSet back off the main roadBuy to let investment

St Mary

Grouville

St Clement

St Ouen

St Helier

St Lawrence Grouville St Saviour

St Helier

St Lawrence

St Peter

St Clement

St Lawrence

St Brelade

St Ouen

St Helier

£2,495,000

£965,000

OIEO£415,000

£1,395,000

£599,000

OIEO£325,000 OIEO£299,950 £219,000

£1,650,000

£485,000

FIRM£865,000

OIEO£390,000

£1,150,000

OIEO£429,000

£525,000

£165,000

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UNDER OFFER

UNDER OFFER

Zeelandia

First opportunity to view an innovative development of only 4 units

Two duplex, 2 bedroom plus study homes with incredible sea views, air-conditioned living and bedrooms.

Prices from £1,095,000

One ground floor garden 1 bed apartment (additional study can be created) with large south facing garden.

One first floor open plan 1 bed apartment with stunning sea views.All finished to the highest standards.

Prices from £475,000

16

WORDS Advocate James LawrenceProperty partner & service champion

www.viberts.comproperty@viberts.com

T: 632277

Arbitration clauses appear in all kinds of documents. If you read a commercial lease (for a warehouse or shop for example) then it is likely to include an arbitration clause. Broadly it will say that, in the event of a dispute between the landlord and the tenant, the dispute will be referred to an arbitrator for determination. Similar clauses appear in other kinds of contracts. What does this mean? Who is an arbitrator and what will he do?

Arbitration is part of a process called alternative dispute resolution – a method to resolve a dispute without reference to the court. It is a private judicial dispute resolution determined by an independent third party.

Its advantages include:

· Speed – it is usually less formal than court proceedings and therefore faster and often cheaper.

· Confi dentiality – court proceedings are public; decisions by an arbitrator are issued to the parties involved but are not necessarily public.

· Expertise – depending on the subject matter of the dispute, the arbitrator appointed by the parties may have a qualifi cation in that fi eld e.g. an architect in the matter of a building dispute which can speed things up.

The disadvantages can be:

· Arbitration is often expressed in the agreement to be mandatory and binding.

· There are few avenues for appeal.

Arbitration and the court - power station leaseIn narrow circumstances the decision of an arbitrator can be appealed. It is usually in

circumstances where the decision he reached is obviously wrong or based on fl awed information or reasoning. The Royal Court has dealt with more than one such appeal this year but the fi rst was Public v JEC. This was an appeal against the decision of an arbitrator deciding on the rent to be levied for the land at La Collette upon which the power station is sited.

The public owns this land and the JEC lease it from the public. It was originally leased for a sum of £1,000 per annum in 1967. Subject to arbitration in the event of dispute, the lease

contained a rent review clause at various trigger dates. The clause went further and said that the decision of the arbitrator was fi nal and without appeal.

The arbitrator decided that the new revised rent was £1,000 per annum and equal to the rent charged in 1967. When examining the arbitrator’s decision the court then ruled that the arbitrator had started at the wrong starting point in law. His decision was based

on false assumptions and the revised rental should not be as it was nearly 50 years ago. As a consequence, leave was granted to appeal against his decision.

SummaryThe aim of arbitration is to provide a swift dispatch to a dispute. On public policy grounds it is desirable to conclude disputes speedily - for better or for worse. It may be di� cult to challenge an arbitrator’s decision therefore make sure that the proceedings before the arbitrator are carefully prepared and presented.

The best advice however, is to avoid the dispute in the fi rst place. Disputes are often evidence of a break down in communication. If it can be maintained then parties will often negotiate a solution. Keep talking and avoid a row. Viberts’ property team has extensive experience in writing commercial leases for landlords and tenants alike. Should arbitration clauses come into play, we can advise clients about all aspects of arbitration proceedings.

“The aim of arbitration is to provide a swift dispatch to a dispute. On public policy grounds it is desirable to conclude disputes speedily - for better or for worse.”

Is court that bad? Arbitration clauses in leases

With over 10 years of real estate experience in Jersey, let us use our access to a large network of local professionals and agents to project manage your purchasing requirements.

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PROPERTY PROFILE

Northwood is particularly appealing character property peacefully set off a leafy lane within the St Mary countryside.  Owned by the same family for almost 20 years it has been lovingly restored and sympathetically extended to now provide a beautifully crafted and comfortable home of great character and ambience.

Thanks to a modern, yet sympathetic extension added in 2004 Northwood has an incredible kitchen that would be the envy of many chefs.  A stainless steel central island provides enough surface area for even the messiest of cooks to create. Sub Zero fridge and freezer units mean that you’re going to be able to keep so well stocked that you could well host your own cookery programme from the kitchen.  Whilst this room is very modern in many aspects, it remains in keeping with the rest of the house thanks to the huge and very functional larder and also an eco friendly four oven electric Aga cooker.  There is also enough room here to house the largest of dining tables, making it the true heart of this home and absolutely

perfect for entertaining friends and family.Above the kitchen is a huge room which was used by the current owners as a playroom, thanks to its close proximity to the kitchen this is a sensible option.  But this room could easily be used for any number of pastimes.  Whether that’s an additional reception room, magnificent man den, or even perhaps a craft room, the options are pretty much endless.  There is also a cloakroom downstairs, meaning this section of the house incredibly family friendly.

Facing due south, the property stands in generous sized mature lawned gardens, which can be accessed directly from the eat in kitchen, making them the perfect

extension to your entertaining options when the sun shines.  The paved area outside here is the ideal spot to enjoy a BBQ with friends and catch the last of the sun before it sets in the distance, whilst listening to music through the outside speakers discreetly installed in the surrounding brick walls.  There is also a small apple orchard and, fenced off within a secure section there is a modern tiled swimming pool (with electrically operated cover) together with an attractive timber built pavilion, so even though the beach at Greve de Lecq is only moments away you may never need to visit it.

The kitchen leads into what would traditionally be referred to as the drawing room, a lovely light room with a double aspect on to the garden.  Here you notice that like the other rooms on the ground floor you reap the benefits of the modern additions the current owners have put in place, which includes Bose surround sound, a Sonos system and bronze light fittings and electrical points. They have very cleverly added in these touches, whilst retaining

WORDS Sara Felton

19

Northwood St Mary

£2,700,000Wilsons T: 877977• Set within the countryside of St Mary• Generous sized gardens small apple orchard• Swimming pool• 5 Bedrooms and 3 bathrooms• 3 Reception rooms• Large eat-in family kitchen with playroom over• Two storey barn with horse stable• Beautiful character home• Mains water, drains and electricity• JT fibre optic broadband.• Qualified

many of the original features of the property, whether that be ceiling roses or beautiful wooden floorboards. Here too there is a working fireplace, as there are in the other rooms on the ground floor.  Further reception rooms include a lounge and a dining room and also towards the back of the house a study, perfect for having your home office, should you wish.

There are a total of three staircases in Northwood.  The first is that which takes you to the room above the kitchen.  The second is what would have originally been the main staircase which you accessed as you entered the house through the original front door, which now faces on to the garden.  This is the one that takes you up to the first and second floors, which is where the bedrooms can be found, all of which are good sized doubles, with views to the gardens or barns to the rear of the house.  The master suite houses an ensuite bathroom that will have you locking the door to while away many an hour enjoying your free-standing bath and the peace and quiet which surrounds you.  The third set of stairs take you up to a further two large doubles and a lovely shower room with a rainfall shower.

To the rear of the house is a courtyard entrance / service area, together with a detached traditional granite built two storey barn with archway carriage entry and horse stable. Subject to Planning approval, a self-contained guest unit, home office or leisure suite could easily be accommodated within the fully floored outbuilding. There are also pig sties still in situ which even if you don’t want to fill them with piglets add to the feelings of heritage at Northwood, enabling you to imagine how the property was used many years ago.

Northwood feels like the kind of house that is crying out to be filled with a new growing family, ready to fill the rooms with people and memories. The accommodation within this beautiful house is incredibly flexible and offers a very strong two generation opportunity. The property currently benefits from vacant possession, resulting in the opportunity for the new vendors to be able to very quickly make this their stunning house their new home.

“Northwood feels like the kind of house that is crying out to be filled with a new growing family, ready to fill the rooms with people and memories.”

St Helier £365,000

2 1 1

St Helier £250,000

2 1 0

£1,275,000

2 2 3

Above Gorey Harbour

St John £549,950

4 2 2

St Saviour

4

NEW

£660,000

2 4

Grouville £610,000

3 2 3

St Lawrence £1,350,000

4 3 3

St Helier £265,000

2 1 1

St John £965,000

4 3 4

St Helier £385,000

2 1 2

NEW

St Helier £379,000

2 1 0

INVESTMENT ONLY

OFFERS INVITEDLAST REMAINING

St John £1,195,000

4 3 4

With the days now getting lighter for longer, there is no better excuse for bringing out the barbeque, calling up some friends and making the most of the summer months. With the sun shining, sausages sizzling and ice-cold cocktails in hand, you’ll be wishing the day didn’t have to end.

LIGHT UP YOUR GARDEN THIS SUMMER: BUILD YOUR OWN FIRE PIT

By adding a fi re pit to your garden, the days can carry on into the early hours, huddled around a crackling fi re, you’ll never want to head inside. When fi nding a location for your fi re pit, make sure you are at least 10 to 20 feet away from any trees, bushes or grass areas that could catch alight by spitting fl ames.  Also consider seating space around the fi re pit, making sure that everyone can fi t comfortably with enough space to move about. To make the wall of your fi re pit you will need to use a limestone retaining wall block. Once you have measured where your fi re pit will be built, you will need to dig out roughly 4-6 inches of dirt from the inside of the pit circle which will then be fi lled with decomposed granite or gravel.

Once the fi rst layer of wall block has been built and the granite has been added, continue to add another three layers to add height to your fi re pit. With this done, all that’s left is to fi nd some comfortable seating for you to relax in.

With your fi re pit now complete, why not add a metal rack on top and transform it by day into a barbeque making this home design your garden’s main focal point for all summer parties any hour of the day.

For professional advice on sourcing the best supplies for your fi re pit, fi nd contact details on the JeCC website of the best local gardeners and landscape designers.

Tel: 789830www.henleyfi nancial.je

WANT TO BE KEPT UP TO DATE WITH WHAT’S GOING ON?Then please send a request to be added to our monthly Mortgage Shop Bulletin emailing list to: kerrie@mortgageshop.je

Buying a home in Jersey often means having to arrange a sizeable mortgage. Up until recently the banks would insist an appropriate life cover plan was in force on the day the mortgage commenced.

This would provide the bank with the peace of mind that should an individual die, their dependants were not left with a mortgage that they might not be able to a� ord and of course the bank would be repaid.

While this requirement has all but disappeared, the importance of the cover has not. We strongly recommend that everyone with a mortgage or other liabilities has cover in place.

Relying on an employer’s death in service benefi t is not ideal, given it is not guaranteed to remain in place for the duration of the loan and would result in the lump sum payment being used to repay a mortgage provider, rather than payable to family, for which it is designed.

We can consider a range of di� erent ways cover can be arranged, to suit people’s requirements and budget.

Even those with no fi nancial dependants should consider cover, to ensure they would receive fi nancial support in the event of falling seriously ill and possibly unable to work, as well as providing for any future change in their circumstances.

If you need to arrange cover, or would like to review your existing cover, please do not hesitate to contact Hayley Carstairs at Henley Financial on 789830 or Hayley@henleyfi nancial.je

1.43%1.49%1.99%1.49%1.99%1.67%2.74%2.79%2.97%5.24%

60% Tracker60% 2 year fi xed60% 5 year fi xed70% Tracker85% Tracker85% 2 year fi xed85% 5 year fi xed90% Tracker90% 5 year fi xed100% 3 year fi xed

THESE

MORTGAGE

INTEREST

RATES ARE

THE BEST!

Tel: 789830www.mortgageshop.je

Interest rates across the board have continued to nudge lower, although the trend seems to have stopped in the past few weeks.

Weaker than expected growth in the UK economy and projections that infl ation will remain lower for longer have once again pushed back prospects of a rate rise, with many economists ruling out a change this year, and some predicting that there may be no move until the end of 2017 or beyond. This is a great time to be taking out a mortgage, or better still if you are currently locked into high interest rates, this o� ers a perfect opportunity to think about a remortgage.

Your home may be repossessed if you do not keep up repayments on your mortgage. Henley Financial is regulated in the conduct of investment business by The Jersey Financial Services Commission.

THE IMPORTANCE OF MORTGAGE RELATED

LIFE COVER

JERSEY PROPERTY MARKETThis is moving forward at a steady pace, with no indication of price rises and with agents seeing properties going under o� er that have been stagnant for the past twelve months. There appears to be a shortage of property in certain categories, particularly the fl ats and houses that are mainly bought by First Time Buyers.

Jersey Lending Market

Information and rates correct as at 4th May 2016

24

FINISHINGTOUCHES

Harlequin Espresso Cup set of 4

Voisins£45

Mini Le Crueset x 3de Gruchy

£44.99

Shimmer tea light holderSwarovski

£30

Sophie Conran Measuring Cups

Voisins£22.50

de Gruchy£44.99

Mini ribbon rollPebble£2.50

Micro succulents Eden by Claire

£2.50 each

Mini Moderns Pinch Pots de Gruchy

£16.16

Mini Door knobPebble£4.50

FEATURED RENTALS

St Helier £1,250pcm

1 1 Q

01534 710710

One bed, modern ground fl oor apartment.Contemporary kitchenPrivate parking space & gated entranceSouth facing patio areaFitted wardrobes and dressing table

St Brelade £1,450pcm

2 1 Q

01534 880544

Furnished or unfurnishedFantastic locationBalconyWalk to the beachVillage life

St Clement £3,500pcm

4 2 Q

01534 880544

Semi -detached houseLarge gardenSpacious livingWalk to the beachQuiet location

St Mary £2,750pcm

4 3 Q

01534 670334

Substantial Granite FarmhouseLuxury kitchen & two reception roomsFull of character with exposed beamsIdeally located for school & gastro eateryLovely courtyard garden

St Martin £4,000pcm

5 3 Q

01534 670334

Stunning barn conversionLuxury kitchen/breakfast roomApprox 2,800 sq ft of accommodationLarge lawned gardensGarage & parking

St Saviour £3,250pcm

6 3 Q

01534 670334

Ideally located for major schoolsSpacious kitchen/dining & family roomImmaculately presentedSecure gardenDouble garage & parking

St Saviour £1,650pcm

2 2 Q

01534 880544

Country cottageRural locationGardenShort drive to amenitiesMulti fuel burner

St Clement £3,500pcm

4 2 E

01534 860650

Detached spacious homeImmaculate condition throughoutSituated on a small select hamletGarden and patio areaDouble garage and parking for 3 cars

St Clement £3,500pcm

3 3 E

01534 860650

Outstanding beachfront apartmentImmaculately presentedBalcony accessed from lounge & dining room2 Parking spaces and store roomDirect beach access

2828

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

SurveyorsABS Consultants Ltd 731361 Andrew Arthur 483808Buckley & Company 880880Garfi eld-Bennett Building Surveying 856437Gary Le Feuvre 888511Geo� rey Wills 285192Peter Bridle 727825Peter Mercer 854410Reynolds Chartered Surveyors 736226Sarre & Company 888848Voisin-Hunter 507777

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

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

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

ArchitectsAmarchitects Ltd 736728Andrew Harvey Architects 869291Arkitecture Ltd 852306Axis Mason Limited 870137Barnes & Collie Ltd 733100BDK Architects 768740Derek Mason Architects Ltd 880488Design Plus 639773Dyson & Buesnel Architects 880861Elliott Design Partnership 630868Gallaher Architects 724394Godel Architects 486050Jane Faulkner Architects RIBA 498176Julie Temple RIBA 498176Michael Bravery 631312

Nigel Biggar & Partners 731391PAGE Architects Ltd 869054Peter Winn Associates Ltd 874603Richard Le Sueur Architects Ltd 626876TSAssociates 481743Waddington Architects 766788 Wildbore Hands Ltd 605087

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

House ClearanceMorley’s Clearances 529955

30

THE ASSOCIATIONNews from the Jersey Estate Agents’ Association

WORDS John QuemardPresident, Jersey Estate Agents’ Association

JERSEY ESTATE AGENTS’ ASSOCIATION

The JEAA continues to provide valuable services to property buyers and sellers, landlords and tenants, and our member fi rms are there to assist you through the process from start to fi nish with our professional approach and our adherence to our Code of Practice.

To learn more about the JEAA or for further information on becoming a member, please contact John Quemard on 879879 or email john@quemard.je

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

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

Keys Properties Ltd736090www.keys.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

Red Properties710710www.redproperties.je

Savills722227www.savills.je

Uniquely Estates529000www.uniquelyestates.com

Wilsons877977www.wilsons.je

JEAA Members

The Jersey Estate Agents’ Association has once again teamed up with The National Association of Estate Agents to hold their second Channel Island conference to be held at the Pomme D’Or Hotel on July 26th at 5.30pm – 8.00pm.

John Quemard, President of the JEAA, said “ Last year was such an overwhelming success that we have decided to hold a similar joint venture and look forward to welcoming existing members and non members within the industry to our second conference”.

The National Association of Estate Agents has recently appointed Shelagh Marett as Regional Executive for the Channel Islands who takes over from Andy Truscott who has since left the industry.

Over the last 12 months, The JEAA has worked very hard to strengthen relationships with its members and the National Association of Estate Agents.

Estate Agents in Jersey are not obligated to join any such memberships but for those that choose to do so, it sends out a strong message that members of the JEAA are professional, work to a code of conduct and are accountable for their actions.

A high percentage of our members have now also become members of the NAEA and The Property Ombudsman.

At a recent Annual General Meeting, the JEAA decided that all members will be required to belong to The Property Ombudsman from January 2017.

This compliments our working relationship with the NAEA and adopts the same practices that they require form their members.

This will add further confi dence in the market and o� er the customer a great deal

of comfort knowing that they are dealing with a Company that is a� liated with such memberships.

The JEAA continues to grow with more members signing up all the time.

We would also like to invite other professionals within the property industry to become associate menbers of the JEAA and benefi t from the seminars and networking events that we organize on a regular basis.

“Estate Agents in Jersey are not obligated to join any such memberships but for those that choose to do so, it sends out a strong message that members of the JEAA are professional, work to a code of conduct and are accountable for their actions”