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Route to Happiness

ROUTE TO HAPPINESS

More Britons than ever are buying property abroad, a trend set to continue this year. Nobody knows how many families and individuals own foreign property, but Mintel Reports estimates it at 800,000, although the real figure is almost certainly higher.

An estimated 5.5 million people have already left the UK and another million are planning to go. Research from the Institute of Public Policy Research showed that more than 1.3 million have left to live in Australia; 600,000 to Canada; 215,000 now live in Australia; 600,00 to Canada; 215,000 now live in New Zealand and a similar number in South Africa.

But do you know what will happen to your pension if you go to live in one of our former colonies? It will be paid at the rate in force at the time you leave the UK if you are already retired or the date you retire. You will not be entitled to any future increases that will be paid in full. However, if you retire to a country within the EU you will not be penalised and your increases will be paid in full.

Bear in mind, too, that you might not like “abroad” when you get there so, especially if it is outside the US, rent for the first year until you are certain you want to stay and cut yourself from a valuable income stream.

If you sell up and buy in the new country, only to find you don’t like it, currency fluctuations and rising house prices in the UK may make it impossible for you to return.

Mark Bodega, marketing director fr currency specialist HiFX, points out: “Austalia, New Zealand and Canada all feature top 10 places for Brits to emigrate to. Out analysis of sterling’s performance against the currencies of the main emigration destinations most favoured by Britons has found that sterling has appreciated in value across all of the top 10 countries.”

In less than a year, sterling has appreciated by 12.6 per cent against the New Zealand dollar, which means that if you take into account buying and selling costs, you would probably have to trade down to a house worth 20 per cent less than the one sold in the UK if you wanted to return. The appreciation is also 11.7 per cent against the Canadian dollar and 5.82 per cent against the Australian dollar over the past year.

Many Britons have brought abroad with a view to retirement overseas or generating rental income. Although property arouses more interest than any other investment, home-owners can still be surprisingly ignorant of the basics. Not everyone knows, for example, that if you have more than one home, you can nominate whichever house you like as your principal private residence. Provided you have actually lived in it for a period of time as your principal private residence – even only for a few months – the last three years of ownership are free from capital gains tax. Clearly, it pays to nominate the more expensive home or the one with the greater capacity for price growth.

Even fewer people know that you can nominate a foreign property as your principal private residence, without having to become non-resident – and this, too, is free from capital gains tax from the last three years of ownership – provided you have actually lived in it for a period of time. If for example, you owned a second home for five years, which had once been your principal private residence, and sold for a capital gain of £150,000, at least three-fifths of the gain, or £90,000, would be tax-free. If you are thinking of selling a home abroad, move into it for a few months before you do so.

So what other financial tips would be wise to follow in 2007?

Paying off the mortgage has traditionally been the home-owner’s ambition. But with inheritance tax kicking in at 40 per cent on all assets in excess of £285,000, paying off your home loan might not be the best move.

If, for example, you have a mortgage and expect to receive a lump sum from an inheritance or a big bonus, it is worth considering setting up an offset mortgage rather than using the windfall to reduce the debt.

This gives you the flexibility of access to the lump sum that just sits on deposit but reduces the mortgage interest payments. The money you would have spent on mortgage repayments can be used to take out investment schemes for children or grandchildren – all free from inheritance tax. When you die, the outstanding mortgage reduces the inheritance tax due on the family home.

“We offer interest-only offset mortgages and you can wipe out all repayments if you are able to deposit a sum large enough to cover the mortgage,” says a spokesperson for Woolwich, one of the pioneers of offset loans.

It works like this.  The amount of the deposit wipes out all interest charges on the same amount of the mortgage. So if you have a £200,000 home loan, a deposit of £200,000 will cover all interest charges – but you still have control of the cash.

Many City high-fliers do this with their big bonuses because of the flexibility it offers and the potential to reduce inheritance tax at a later date. And Woolwich has launched a product specifically for this market. City Mortgage 2 is Woolwich’s lowest lifetime tracker offset, at a bank base rate plus 0.34 per cent for the life of the loan, with an initial rate of 5.34 per cent.

All homebuyers should consider remortgaging to save money. Anyone being charged more than 5 per cent interest on their mortgage is paying too much. There are plenty of remortgage deals around at less than 5 per cent, and if you are paying the standard variable rate of 6.75 per cent or thereabouts, the annual saving in interest on a £100,000 home loan would be at least £1,750.

If you have large credit card debts that you cannot afford to pay off, it will probably pay to remortgage for a larger amount and get rid of the expensive card borrowing. You are likely to be paying 15 per cent for credit card borrowing but it can be paying 15 per cent for credit card borrowing but it can be more than 20 per cent. Always pay off credit card debt, overdrafts and personal loans before your mortgage. Get rid of the most expensive borrowing first.

Route to Happiness

 

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thegardensantigua

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Jun 8

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Can you imagine yourself cooking in this kitchen? This can be your very own retreat home on Antigua's west coast. Everything you imagined the Caribbean to be describes Antigua’s west coast and now 36 villa plots on Harbour Island are available to build your dream villa at The Gardens.

Visit the link in our profile to read our latest blog on fractional ownership and learn more about The Gardens or reach out to us at hello@thegardensantigua.com

#TravelAntiguaandBarbuda #TheGardensAntigua #TheGardens #AntiguaandBarbuda #HarbourIsland #WesCoast #LuxuryVillas #Luxury #Marina #Family #VacationHome #Caribbean #BeautifulDestinations #BestLocations #CaribbeanDestination #TravelCaribbean #tropicalvillas #travelnirvana #instadesign #beautifuldecor #Elmsbridgeproject #Elmsbridge #jollyharbourantigua #vacationhomes #NewDevelopment #JollyHarbour #luxurylifestyle #luxuryhome #Relaxed #beautifulhomes

thegardensantigua

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Jun 7

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If you’re keen to own a home and spend time in Antigua but would like to reduce the cost, we also offer fractional ownership. This ‘smart-sharing’ ownership means you can own a fifth share of a villa, enjoy a fifth of the time each year if desired and earn a fifth of net rental income and resale in due course. This is ideal for groups of friends or families who’d like to buy a home together.

Visit the link in our profile to read our latest blog on fractional ownership and learn more about The Gardens or reach out to us at hello@thegardensantigua.com

#TravelAntiguaandBarbuda #TheGardensAntigua #TheGardens #AntiguaandBarbuda #HarbourIsland #WesCoast #LuxuryVillas #Luxury #Marina #Family #VacationHome #Caribbean #BeautifulDestinations #BestLocations #CaribbeanDestination #TravelCaribbean #tropicalvillas #travelnirvana #instadesign #beautifuldecor #Elmsbridgeproject #Elmsbridge #jollyharbourantigua #vacationhomes #NewDevelopment #JollyHarbour #luxurylifestyle #luxuryhome #Relaxed #beautifulhomes

thegardensantigua

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Jun 5

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By letting design elements from one space cascade into another, our Island Casual vibe is a cohesive tailored home. Light natural timbers with accented wood furniture, and coastal influences. Including a base palette of fresh whites, light greys, blues and greens interspersed with fabric textures and stripes.

This stylish 2-4-bedroom villa development represents a rare opportunity to own a brand-new property in the heart of Jolly Harbour. Forming part of a brand new community. For those who value a good lifestyle, an incredible location and a home with the best features – this one is for you.

Visit the link in our profile to check out our latest blog with more photos of the mood board showcasing the available fixtures and features. 

#TravelAntiguaandBarbuda #TheGardensAntigua #TheGardens #AntiguaandBarbuda #HarbourIsland #WesCoast #LuxuryVillas #Luxury #Marina #Family #VacationHome #Caribbean #BeautifulDestinations #BestLocations #CaribbeanDestination #TravelCaribbean #tropicalvillas #travelnirvana #instadesign #beautifuldecor #Elmsbridgeproject #Elmsbridge #jollyharbourantigua #vacationhomes #NewDevelopment #JollyHarbour #luxurylifestyle #luxuryhome #Relaxed #beautifulhomes

thegardensantigua

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Jun 2

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The cultivated design in these mood boards for the garden villas is modern with a soft-tropical and harmonious style. This creates a refined and sophisticated tone paired with a relaxed lifestyle. Here you can see the following selection of finishes and furnishing options for the kitchen and entrance. 

Learn more about the furnishing and finishing options for The Gardens in our latest blog by visiting the link in our profile. 

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thegardensantigua

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Jun 1

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Morris Bay is a beauty! Just a fifteen-minute drive from The Gardens. Lined with coconut trees, and local cuisine huts on the roadside – Gina’s Cookshop is a favourite. Sandra’s is wonderful for beautiful beach covers and more. This is a great place for a dip, photos and videos!

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thegardensantigua

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May 31

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Our construction, design and management teams do all the hard work for you so you can sit back and relax! 

Elmsbridge Design has a great group of horticulturalists and landscaping experts to ensure you have a marvellous garden and complete tropical privacy. They craft a landscaping package for each home to ensure the plants and wildlife around your home are as healthy and lively as possible with the help of their team. 

Each villa will be nestled in tropical flora and fauna whilst creating privacy and maintaining some lovely views.

Visit the link in our profile to learn more about The Gardens or reach out to us at hello@thegardensantigua.com

#TravelAntiguaandBarbuda #TheGardensAntigua #TheGardens #AntiguaandBarbuda #HarbourIsland #WesCoast #LuxuryVillas #Luxury #Marina #Family #VacationHome #Caribbean #BeautifulDestinations #BestLocations #CaribbeanDestination #TravelCaribbean #tropicalvillas #travelnirvana #instadesign #beautifuldecor #Elmsbridgeproject #Elmsbridge #jollyharbourantigua #vacationhomes #NewDevelopment #JollyHarbour #luxurylifestyle #luxuryhome #Relaxed #beautifulhomes

thegardensantigua

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May 30

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Darkwood Beach is a 10-minute drive from The Gardens and is favoured by locals and visitors. There is one beach restaurant and bar and a couple of local food huts sprinkled along the coast. A lovely beach to spend time with your family and friends. 

#TravelAntiguaandBarbuda #TheGardensAntigua #TheGardens #AntiguaandBarbuda #HarbourIsland #WesCoast #LuxuryVillas #Luxury #Marina #Family #VacationHome #Caribbean #BeautifulDestinations #BestLocations #CaribbeanDestination #TravelCaribbean #tropicalvillas #travelnirvana #instadesign #beautifuldecor #Elmsbridgeproject #Elmsbridge #jollyharbourantigua #vacationhomes #NewDevelopment #JollyHarbour #luxurylifestyle #luxuryhome #Relaxed #beautifulhomes

thegardensantigua

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May 29

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Valley Church Beach is on the west coast of Antigua and is about a ten-minute drive from The Gardens. This is a favourite for both the locals and visitors. The beach bar serves tropical drinks and gives you a pleasant taste of the local cuisine. There are trees available for shade when hanging out on the beach and the water is always stunning.

#TravelAntiguaandBarbuda #TheGardensAntigua #TheGardens #AntiguaandBarbuda #HarbourIsland #WesCoast #LuxuryVillas #Luxury #Marina #Family #VacationHome #Caribbean #BeautifulDestinations #BestLocations #CaribbeanDestination #TravelCaribbean #tropicalvillas #travelnirvana #instadesign #beautifuldecor #Elmsbridgeproject #Elmsbridge #jollyharbourantigua #vacationhomes #NewDevelopment #JollyHarbour #luxurylifestyle #luxuryhome #Relaxed #beautifulhomes

thegardensantigua

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May 26

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The Gardens is approved for Citizenship by Investment for Antigua & Barbuda. Having been based in the Caribbean for decades, the team at our sister company, @citizensinternational, is well-versed in the Antigua & Barbuda citizenship program and prime property market in the Caribbean. They can help you gain citizenship when purchasing either a fraction or whole ownership at The Gardens.

Find out more about this process by clicking the link in our bio and following it to our latest blog post.

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thegardensantigua

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May 25

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South Beach is nearly 2 miles long and is covered in the softest sand that you will ever touch. The sea is a striking, gentle turquoise and calm enough for a swim or wade in. There are sun-beds, umbrellas, and water sport equipment available for rent along the stretch. 

#TravelAntiguaandBarbuda #TheGardensAntigua #TheGardens #AntiguaandBarbuda #HarbourIsland #WesCoast #LuxuryVillas #Luxury #Marina #Family #VacationHome #Caribbean #BeautifulDestinations #BestLocations #CaribbeanDestination #TravelCaribbean #tropicalvillas #travelnirvana #instadesign #beautifuldecor #Elmsbridgeproject #Elmsbridge #jollyharbourantigua #vacationhomes #NewDevelopment #JollyHarbour #luxurylifestyle #luxuryhome #Relaxed #beautifulhomes

thegardensantigua

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May 23

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There are two ownership options at The Gardens: whole ownership and fractional 1/5th ownership. Fractional owners enjoy 10 weeks of use per year and fully managed properties with net rental paid out twice a year. These are well-priced villas whose capita value should benefit greatly from the redevelopment going on around them of the golf course, shops and marina over the next 5 years.

Reach out to us at hello@thegardensantigua.com to learn more. If you are in Antigua, we welcome you to come to visit us in our sales office. We are located in Jolly Harbour’s Commercial Centre behind the pharmacy. This will give you the opportunity to meet the sales team and review home designs.

#TravelAntiguaandBarbuda #TheGardensAntigua #TheGardens #AntiguaandBarbuda #HarbourIsland #WesCoast #LuxuryVillas #Luxury #Marina #Family #VacationHome #Caribbean #BeautifulDestinations #BestLocations #CaribbeanDestination #TravelCaribbean #tropicalvillas #travelnirvana #instadesign #beautifuldecor #Elmsbridgeproject #Elmsbridge #jollyharbourantigua #vacationhomes #NewDevelopment #JollyHarbour #luxurylifestyle #luxuryhome #Relaxed #beautifulhomes

thegardensantigua

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May 22

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The second design package that is available at The Gardens is Island Casual. This palette of natural colours and soothing neutrals of the spaces exude timeless elegance and tranquillity. In addition, the design holds an exciting element and comes with stunning interiors. Each villa includes ultimate equipment and appliances, open layouts, air conditioning, modern lighting, and more.

Visit the link in our profile to check out our latest blog with more photos of the mood board showcasing the available design fixtures and features. 

#TravelAntiguaandBarbuda #TheGardensAntigua #TheGardens #AntiguaandBarbuda #HarbourIsland #WesCoast #LuxuryVillas #Luxury #Marina #Family #VacationHome #Caribbean #BeautifulDestinations #BestLocations #CaribbeanDestination #TravelCaribbean #tropicalvillas #travelnirvana #instadesign #beautifuldecor #Elmsbridgeproject #Elmsbridge #jollyharbourantigua #vacationhomes #NewDevelopment #JollyHarbour #luxurylifestyle #luxuryhome #Relaxed #beautifulhomes

thegardensantigua

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May 19

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Since The Gardens is already approved for Citizenship by Investment, you are able to both purchase your dream home and seamlessly gain citizenship in the country for you and your family. This provides financial benefits and gives you a plan B with a foothold in Antigua & Barbuda. 

Check out the link in our bio to learn more about the project.

#TravelAntiguaandBarbuda #TheGardensAntigua #TheGardens #AntiguaandBarbuda #HarbourIsland #WesCoast #LuxuryVillas #Luxury #Marina #Family #VacationHome #Caribbean #BeautifulDestinations #BestLocations #CaribbeanDestination #TravelCaribbean #tropicalvillas #travelnirvana #instadesign #beautifuldecor #Elmsbridgeproject #Elmsbridge #jollyharbourantigua #vacationhomes #NewDevelopment #JollyHarbour #luxurylifestyle #luxuryhome #Relaxed #beautifulhomes

thegardensantigua

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May 18

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A still, beautiful day in the harbour - Jolly Harbour has numerous areas to retreat for a relaxing morning, afternoon and evening. It's a great area to walk around and spend time with your family and meet new friends. The amenities are within a short walking or boating distance from The Gardens. 

Visit the link in our profile to learn more about our prime property.

#TravelAntiguaandBarbuda #TheGardensAntigua #TheGardens #AntiguaandBarbuda #HarbourIsland #WesCoast #LuxuryVillas #Luxury #Marina #Family #VacationHome #Caribbean #BeautifulDestinations #BestLocations #CaribbeanDestination #TravelCaribbean #tropicalvillas #travelnirvana #instadesign #beautifuldecor #Elmsbridgeproject #Elmsbridge #jollyharbourantigua #vacationhomes #NewDevelopment #JollyHarbour #luxurylifestyle #luxuryhome #Relaxed #beautifulhomes

thegardensantigua

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May 17

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If you’re keen to own a home and spend time in Antigua but would like to reduce the cost, we offer fractional ownership. This ‘smart-sharing’ ownership means you can own a fifth share of a villa, enjoy multiple weeks in the villa each year and claim your share of net rental income and resale in due course. This is ideal for groups of friends or families who’d like to buy a home together.

To learn more about this option, you can reach us at hello@thegardensantigua.com. If you are in Antigua, we welcome you to come to visit us in our sales office. We are located in Jolly Harbour’s Commercial Centre behind the pharmacy. 

#TravelAntiguaandBarbuda #TheGardensAntigua #TheGardens #AntiguaandBarbuda #HarbourIsland #WesCoast #LuxuryVillas #Luxury #Marina #Family #VacationHome #Caribbean #BeautifulDestinations #BestLocations #CaribbeanDestination #TravelCaribbean #tropicalvillas #travelnirvana #instadesign #beautifuldecor #Elmsbridgeproject #Elmsbridge #jollyharbourantigua #vacationhomes #NewDevelopment #JollyHarbour #luxurylifestyle #luxuryhome #Relaxed #beautifulhomes

thegardensantigua

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May 16

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Here is a peek at some furnishing and finishing options for a bedroom at The Gardens. The design is island modern, bright and airy. 

Elmsbridge Design, our design team, is led by Kal Dobbin and Kate Taylor. They can customize each villa to the owner’s choices, making each property unique and memorable.

If you are interested in learning more about The Gardens visit the link in our profile and contact us today!

#TravelAntiguaandBarbuda #TheGardensAntigua #TheGardens #AntiguaandBarbuda #HarbourIsland #WesCoast #LuxuryVillas #Luxury #Marina #Family #VacationHome #Caribbean #BeautifulDestinations #BestLocations #CaribbeanDestination #TravelCaribbean #tropicalvillas #travelnirvana #instadesign #beautifuldecor #Elmsbridgeproject #Elmsbridge #jollyharbourantigua #vacationhomes #NewDevelopment #JollyHarbour #luxurylifestyle #luxuryhome #Relaxed #beautifulhomes

thegardensantigua

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May 15

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Our team is working carefully and quickly to bring Aloe Villa 118 to life. The walls have been successfully put up and now we are working on the roof. Visit our blog through the link in our profile to view more photos of construction or other highlights in our blog.

You can reach us at hello@thegardensantigua.com. If you are in Antigua, we welcome you to come to visit us in our sales office. We are located in Jolly Harbour’s Commercial Centre behind the pharmacy. This will give you the opportunity to meet the sales team and review home designs. 

#TravelAntiguaandBarbuda #TheGardensAntigua #TheGardens #AntiguaandBarbuda #HarbourIsland #WesCoast #LuxuryVillas #Luxury #Marina #Family #VacationHome #Caribbean #BeautifulDestinations #BestLocations #CaribbeanDestination #TravelCaribbean #tropicalvillas #travelnirvana #instadesign #beautifuldecor #Elmsbridgeproject #Elmsbridge #jollyharbourantigua #vacationhomes #NewDevelopment #JollyHarbour #luxurylifestyle #luxuryhome #Relaxed #beautifulhomes

thegardensantigua

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May 11

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North Beach in Jolly Harbour is just a five-minute walk from The Gardens. It is rather quaint compared to South Beach, but they both share piercing turquoise hues. You can bring a blanket, picnic and relax the day away. The water is always calm, shallow and perfect for swimming or a simple wade. 

#TravelAntiguaandBarbuda #TheGardensAntigua #TheGardens #AntiguaandBarbuda #HarbourIsland #WesCoast #LuxuryVillas #Luxury #Marina #Family #VacationHome #Caribbean #BeautifulDestinations #BestLocations #CaribbeanDestination #TravelCaribbean #tropicalvillas #travelnirvana #instadesign #beautifuldecor #Elmsbridgeproject #Elmsbridge #jollyharbourantigua #vacationhomes #NewDevelopment #JollyHarbour #luxurylifestyle #luxuryhome #Relaxed

thegardensantigua

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May 10

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The Aloe Garden villa is a spacious open-plan 2-bedroom home on 0.2 acres with many features combined to make it an ideal Antiguan vacation home. You also have the option (available for all Villas) to add a Garden Cottage which is the perfect addition if you’d like a guest room.

If you are interested in a chic Garden Villa of your own, please get in touch with us today. We look forward to answering any questions that you have. You can also visit us at our Sales Office located in the Commercial Centre of Jolly Harbour, right behind the pharmacy. You can pop in or schedule a meeting with Mandy who is at the Sales Office during the week.

#TravelAntiguaandBarbuda #TheGardensAntigua #TheGardens #AntiguaandBarbuda #HarbourIsland #WesCoast #LuxuryVillas #Luxury #Marina #Family #VacationHome #Caribbean #BeautifulDestinations #BestLocations #CaribbeanDestination #TravelCaribbean #tropicalvillas #travelnirvana #instadesign #beautifuldecor #Elmsbridgeproject #Elmsbridge #jollyharbourantigua #vacationhomes #NewDevelopment #JollyHarbour #luxurylifestyle #luxuryhome #Relaxed #beautifulhomes

thegardensantigua

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May 5

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The Commercial Centre in Jolly Harbour, seen in the above aerial, is home to some convenient stores including a pharmacy, cafes, restaurants, car rentals, realtors, dressmakers and more. The biggest store in Jolly Harbour is the Epicurean supermarket which stocks thousands of foods from fresh fruits and vegetables to Waitrose meals.

#TravelAntiguaandBarbuda #TheGardensAntigua #TheGardens #AntiguaandBarbuda #HarbourIsland #WesCoast #LuxuryVillas #Luxury #Marina #Family #VacationHome #Caribbean #BeautifulDestinations #BestLocations #CaribbeanDestination #TravelCaribbean #tropicalvillas #travelnirvana #instadesign #beautifuldecor #Elmsbridgeproject #Elmsbridge #jollyharbourantigua #vacationhomes #NewDevelopment #JollyHarbour #luxurylifestyle #luxuryhome #Relaxed #beautifulhomes
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