No 5 avril/mai 2009 AVRANCHES 13 rue Pot d’Etain
BREHAL 39 rue du Bocage
VILLEDIEU LES POELES 10 Place des Chevaliers de Malte
Diffusé en France, Angleterre, Russie, aux Etats-Unis et Pays-Bas
Internet - Télévision - Journaux - Magazines - Emails - Vitrine - De bouche à l’oreille
Immobilier en Normandie ..... et plus loin Estate Agents in Normandy and beyond
( 06 84 74 26 02 ™ info@IBS-immobilier.com
( 07880 501 116 ü www.IBS-immobilier.com
Le marché immobilier a subi une année très dure! Le Printemps
Le Bulletin
There’s no denying it, it’s been a hard winter. But now Spring
est arrivé et je trouve que la Normandie reste toujours très is in the air and there’s no finer place to be than Normandy. I
belle que ce soit l’automne, l’hiver, le printemps ou l’été La bought my house in February in the pouring rain and the cold
Normandie est toujours passionante. J’ai choisi ma maison un jour moche and by the time we signed the paperwork it was May - and our new property
de février mais je n’étais pas du tout déçu le mois de mai quand on a signé looked just magnificent. We have never regretted buying in Normandy,
l’acte de vente. La Normandie éblouissait! Ici dans la Manche on a de la and certainly here in La Manche where we have the benefit of the sea and
chance d’être “mer et terre”. On est jamais loin de la mer avec ces plages land - the French call this “mer et terre”. Combine this with the excellent
sableuses et les bouchots à moules. routes into Normandy, the ferries, flights and motorways, it’s easy to see
that even in a time of recession there’s a market for property. So while it’s
Alors, revenons à nos moutons! Oui le marché a a really difficult time for vendors, for purchasers
Bien du Mois it’s a real buyers market. In our agency we have
été dur .... on a eu des baisses de prix. Ce n’est
pas facile pour les vendeurs ...... mais c’est ex- Property of the Month seen property prices go down by 20% - 40% -
cellent pour les acquéreurs. Dans notre secteur Gavray, La Manche (50) on page 2 we’ll bring you some examples.
on a vu des baisses de prix entre 20% et 40%. À BR0068 350 000 Euros So what’s new? We at IBS have not been letting
la page 2 on vous donne quelques exemples de Longère, 5 chambres - idéale pour chambres the grass grow under our feet. We only started a
très bonnes affaires. Il y a de bonnes affaires à d’hôte / tourisme. Terrain d'environ 5600m² year ago but already we have gained a reputation
avoir! Chez IBS on a deux pistes différentes: le Country house, 5 bedrooms - layout ideal for B for working very hard, for preparing excellent
neuf et l’immobilier traditionnel. & B / gites. Approximately 5,600 sqm of land property details, for having a very good range of
property in all price brackets and for being
Quoi de neuf? On travaille en partenariat avec dynamic in how we market our properties. In this
SARL La Graineterie pour la vente de 63 year we have developed a brand new website in
appartements de haute gamme, La Pommeraie both French and English, we’ve been involved in
à Bréhal. On a déjà vendu plus de 60%. Ces the writing of a book on buying property in
appartements en 3 immeubles se situent au Normandy, we have run the Normandy Property
coeur de Bréhal, à proximité des magasins, la Show in the UK, and now we are about to take
médiathèque, l’arrêt du bus et à moins de 50 part in an American Real Estate TV Show! Most
mètres. St Martin de Bréhal et la mer sont à importantly we have registered an excellent range
moins de 4 km des appartements - avec un litto- of property, new, traditional, land, businesses -
ral très recherché. Chaque immeuble a un something for everyone.
ascenseur, et est sécurisé. Ces appartements
Most importantly we believe that looking after
sont idéals pour soit des résidences principales ou pour un investissement you, the client, both vendor and purchaser, is the most important way in
avec défiscalisation. which we can move forward and be successful. At IBS we have developed
a network of top-drawer English-speaking businesses to help you, the
Chez IBS on s’occupe de vous, le client que vous êtes vendeur ou overseas purchaser, to buy with peace of mind.
acquéreur. Souvent un vendeur devient un acquéreur donc c’est la même
chose! IBS créé depuis un an a déjà une réputation excellente. Par exemple We are proud to announce our new client service, “ Distinction ” for those
au niveau marketing, on utilise bien sur les méthodes traditionnelles (email, of you who want an extra level of “peace of mind”. When you sign up to this
journaux, magazines, internet, vitrines), mais en même temps un de nos service we include 3 nights’ accommodation either in a chambres d’hôte or
agents a écrit un livre comment bien acheter une maison en Normandie de hotel, 30 minutes with a UK based French specialist to advise you on how
bien s’intégrer, notre partenaire Britannique PWT est le propriétaire du to best buy your property, 30 minutes with an accountant or business start-
Salon Immobilier de la Normandie - on vient d’y être avec un grand stand. up advisor, 60 minutes with a financial advisor and 2 months free advertising
Nous allons faire partie d’une émission américaine “reality TV” le mois de subscription to Anglo-INFO Normandy. More information about this on page
juillet. Mais le plus efficace - c’est vous - notre réputation passe de bouche 4. We have developed this service to ensure that you receive the best
à l’oreille - que ce soit pour les vendeurs ou les acquéreurs - tous les deux advice before you buy - it may be too late afterwards!
- vous êtes importants!
IBS en partenariat avec PWT Normandy Life en Angleterre IBS working in partnership with PWT Normandy Life in the UK
Immobilier en Normandie
..... et plus loin ( 06 84 74 26 02 ™ info@IBS-immobilier.com
Estate Agents in
Normandy and beyond ( 07880 501 116 ü www.IBS-immobilier.com
Les Bonnes Affaires! Ici on vous donne quelques exemples des pourcentages de réduction! Tous nos prix sont Frais d’Agence Inclus.
What a bargain! Here we show you a small selection of the property we have available, including how much they have come
down since going on the market - all our prices include agents’ fees.
Hambye, La Manche (50) Bréhal, La Manche (50) Villedieu - Vire, Calvados (14)
BR0033 BR0034 BR0121
Belle propriété mitoyenne en campagne avec de Maison de bourg lumineuse sur-élevée sur Fermette au calme à rénover, 3 chambres;
belles prestations. 4 chambres, dépendance sous-sol de rez-de-chaussée sur 141m2 surface Dépendances .Terrain d’environ 15 000 m²,
immense, Terrain d’environ 8 500m² avec étang habitable; 2 chambres ; 2 garages et cave. idéal basse-cour ou chevaux. Cadre vraiment
partagé. Possibilité d'acquérir la maison Grande terrasse de 42m2 et jardin de 150m2. joli. Idéal pour basse-cour ou chevaux.
mitoyenne (BR0057) pour réunion en une seule. Proche de tous commerces, 4km de la plage. Country farmhouse in a quiet and pretty setting.
Wing of a country manor with slate roof. Salon Town house, south-facing terrace. 2 3 bedrooms Outbuildings & other buildings for
with fabulous chimney, 4 bedrooms, shared lake. bedrooms, 2 garages. Approximately 150 sqm renovation. Approximately 1.5 hectares of land
Fantastic period property with lovely features. of garden. Lots of potential. 141 sqm of – ideal for a small holding or horses. Lots of
8,500 sqm of land including a shared lake. internal space. 4km to sandy western beaches. potential, walking distance to village.
Lovely views. Semi-detached with BR0057 -
possibility to buy both parts (see below).
Prix aujourd’hui: 297 140 euros
Prix du départ: 350 000 euros Prix aujourd’hui: 199 490 euros Prix aujourd’hui: 118 640 euros
Prix du départ: 244 500 euros Prix du départ: 159 590 euros
Réduction: 52 830 euros soit 15%
Réduction: 45 010 euros soit 18% Réduction: 40 950 euros soit 25%
Gavray, La Manche (50) Tessy sur Vire, La Manche Saint Denis le Vêtu, La
BR0102 (50) BR0002 Manche (50) BR0010
Maison restaurée, 3 chambres. Deuxième Demeure du 18ème, cadre exceptionnel - zone Maison ancienne avec de belles prestations; 2
logement à restaurer; Belle dépendance en protégée. 5 chambres. Véranda. Dépendance. chambres. Jardin, dépendances. Terrain d'environ
pierres attenante à restaurer. Terrain d'environ Terrain 4800m² environ. Possibilité d’acheter du 2075m². Plomberie et électricité refait à neuf.
1100 m². Située dans un quartier historique. terrain supplémentaire en bordure de la Vire. Beaucoup de potentiel. Possibilité d'agrandir dans
Beaucoup de potentiel. Beautiful 18th century manor, great setting. le prolongement. Partiellement renovée.
A well positioned newly renovated house only Conservatory. 5 bedrooms. Barn /garages. Historical house with original features; partially
minutes from Gavray, in one of the traditional 4,800m² land. Possibility of buying up to 12 restored using traditional materials. 2 bed-
“quartiers”. 3 bedrooms. 2nd dwelling with 2 hectares with approximately 400 - 500m river rooms. 2075m² land, possibility to create more
rooms for renovation, + large stone barn with frontage on the sought after River Vire in a internal space. Brand new electrics & plumbing.
potential. Approximately 1,055 sqm of land. protected zone. No risk of the house being flooded! Lots of original features such as quarry tiles.
Prix aujourd’hui: 171 140 euros Prix aujourd’hui: 397 890 euros Prix aujourd’hui: 149 950 euros
Prix du départ: 255 140 euros Prix du départ: 591 140 euros Prix du départ: 192140 euros
Réduction: 84 000 euros soit 32% Réduction: 193 250 euros soit 32% Réduction: 42 190 euros soit 21%
Le Bulletin No. 5 avril - mai 2009 Page 2
4 astuces pour
bien acheter
• Les taux d’interêt ont baissé : c’est le moment
d’y profiter!
Vive la Normandie • Les prix de l’immobilier ont chuté dans
Show l’ancien
Saturday 30th and Janvier 2008 2 656 euros au m2
Janvier 2009 2 448 euros au m2 (-3,2%)
Sunday 31st May 2009
c’est le moment d’y profiter!
Why not come and join IBS Immobillier at the
AngloINFO ‘Vive la Normandie’ expo being held at • Eviter le crédit relais, sauf si vous êtes sur de
the Chateau de Rots just West of Caen. Details are vite vendre votre maison
available online at normandy.angloinfo.com. IBS • Si vous acheter dans le neuf vérifier bien que
will be running a session on selling your house le promoteur est bien assuré et priviligiez
in Normandy during the show. plutot la garantie extrinsèque par laquelle une
banque s’engage à financer l’achèvement des
Representation is expected from all facets of moving travaux.
to and living in Normandy, including estate agency,
building trades, insurances, currency transfers,
accountancy, legal, franchising opportunities, 4 tips for buying
www.FindyourFeetinNormandy.com
mortgages, Aerial photography, plus gardening and
garden services.
property
You too can find your feet in • Interest rates have come down on both sides
Normandy! Either drop into one of our There will be a comprehensive free seminar of the channels - we have excellent bi-lingual
agencies and pick up a programme, including topics as diverse as contacts to help you get the right mortgage
complimentary copy or send us a cheque made for you - there is probably no better time for
Building planning and control, insect infestation
payable to “PWT” for £10.50 to include postage getting and fixing your interest rate.
of wood, estate planning, Gite law, The Auto
and packaging. This should be sent to PWT, 47 Entrepreneur scheme, tax planning plus how to • Prices of traditional property have dropped
Tidy Street, Brighton BN1 4EL UK. Please allow optimise currency transfers. by 20 - 40% with national averages showing
28 days for delivery. Please contact us at IBS if January 2008 2 656 euros / sqm
you would prefer to pay in Euros. There will be traditional English styled ales January 2009 2 448 euros / sqm (-3,2%)
brewed in Normandy, genuine ‘Fish n Chips’,
You may be able to negotiate even further,
Pimms on the lawn, cream teas plus a hog roast
usually around 10% - it’s always worth a try!
on Sunday.
• Avoid bridging loans - although traditionally
Fun stuff includes Welly boot throwing, music and very cheap in France - you can do without
Le Salon Immobilier de la Normandie a children’s painting competition. Plenty for the stress!
a eu lieu à l’aéroport de Shoreham everyone, so keep your eye on the publicity link • If you are thinking of buying or investing in a
près de Brighton dans le Sussex. and watch out for booking information for new-build development make sure that the
seminars and painting competition. developer is correctly insured, there are
Plus 300 personnes ont assisté au salon en mars several types but - “la garantie extrinsèque”
2009 - plus ou moins la même chiffre que l’année guarantees the completion of building works
dernière, et 19 stands. L’avis des exposants est
favourable.
New Business Start up in case of bankruptcy and is he best of such
insurances : the bank guarantees the
Scheme in France completion of works.
IBS recently attended the Normandy “l’auto-entrepreneur”
Property Show at Shoreham Airport. The new “auto-entrepreneur” scheme in France
The turnout was excellent, around for business start-ups is proving very popular. The IBS GESTION – TRANSACTION
300 customers over the 2 days, and 19 trade great advantage is that it is open to most groups RCS PARIS 408 786 945
stands. Martin Gardener the Director of Anglo- of professionals and you only pay tax and social 1996 B 119 83
INFO Normandy comments “A great show all charges on what you earn - more or less in line Siège Social : 19, rue Auber PARIS 09
round! We thoroughly enjoyed it! Well done!”. The with the British system. Adresses Commerciales et Bureaux
aim of the show is obviously to get customers in 50 rue de la Chaussée d’Antin, 75009 PARIS
the south of the UK interested and well informed It’s designed for both part time basis (along side BP 36, 39, rue du Bocage BREHAL 50290
about what is available here in Normandy. We Carte Professionnelle T8225
a regular job), and for a full time business. It could
laid on a series of workshops on important Tél : 02 33 51 55 60
be ideal for you if you are thinking of running a Fax : 02 33 51 19 43
themes - all of which are also covered in the new gite business ..... but as they always say in the Email : info@IBS-immobilier.com
book, Find your Feet in Normandy. At IBS our disclaimer - please go and get full professional www.IBS-immobilier.com
aim is to help you to do just that and with success. advice before signing up to anything!
Le Bulletin No. 5 avril - mai 2009 Page 3
By now we are sure that you will have realised that we work very hard
Distinction
for you, aiming to bring you the highest quality of service. To achieve this
successfully we need to work with other professions to ensure that you
do not make any mistake in buying your property. The two companies
highlighted below are amongst the professionals that we use as in
our Distinction range, but we do also have other advisors, as each
purchaser usually has unique needs and we like to match according to
the situation. We only work with companies that are as passionate about
providing a high standards of care. We recognise that you are likely to
IBS and PWT Normandy Property Sales want to “raise the only have one “pot of money” and that your house purchase in France is
bar”. We hear horror stories nearly every day about how clients likely to be amongst the largest purchases that you will make in your life
bought their properties, usually with no advice. Sometimes - getting it wrong will have long consequences. The professionals listed
the clients had friends advising them, with the best intentions in the world. below are exhibited at the Normandy Property Show and contributed to
But what is right for one person is not always right for another. the book “Find your Feet in Normandy - Top Tips for Property Purchase
and Settling into Normandy Life (see page 3).
IBS and PWT as part of its commitment to our clients, be you vendors
or purchasers, has surrounded themselves with experienced and Accountancy and Business Start-up
well respected professionals able to provide you with the highest Joanna Reintjes FCCA CTA, Expert
quality information and advice available in the market. Comptable, is a bi-lingual qualified accountant
and chartered tax adviser with many years’
In the UK as part of PWT’s commitments experience, and she works with a team of
to high standards it is a voluntary member French and English speaking staff in responding
of the Association of International Property to client needs. She has lived and worked in
Professionals. PWT had to go through a France for several years, speaks German and
Spanish, and has worked previously in
very rigorous process before being European finance and international
accepted and has voluntarily signed up taxation. Joanna is registered to practice UK tax and accounting as well
to follow the AIPP Code of Conduct as being a French Expert Comptable with Account Revision.
established to help you, the consumer, buy M: +33 (0)6 25 69 27 57 F: +33 (0)2 99 09 33 31
property overseas with confidence. E: help@persotax.co.uk W: www.persotax.co.uk
E: joanna.reintjes.account.revision@orange.fr
PWT, working with IBS, are proud to announce our new client service W: www.account-revision.com
“Distinction” for those of you who want an extra level of “peace of
mind”. When you sign up to the Distinction service we include: UK based French Law Specialist
♦ 3 nights’ accommodation either in a chambre d’hôte
(1 room) Barbara Heslop, Solicitor .
♦ 30 minutes with a UK based French Law specialist Heslop and Platt’s particular
to advise you on how best buy your property expertise and hands on approach
continue to be in high demand from
♦ 30 minutes with an accountant or business start-up English speaking clients both in the
advisor UK and in France.
♦ 60 minutes with a financial advisor There are already signs of purchase activity picking up again. The re-financing
of existing French properties is also a busy sector at the moment. The legal
♦ 2 months free advertising subscription to Anglo-INFO consequences of the death of a loved one, the divorce of a married couple
Normandy: Top Tips for Property Purchase and or the breakdown of a relationship, all bring in their wake the need for specialist
Settling into Normandy Life French legal advice when there are French assets involved.
Succession and estate planning advice is also crucial. We recommend
♦ A complimentary copy of Find you Feet in Normandy that all French property owners consider whether their affairs are in order
♦ Naturally IBS’s real estate advice is provided free of and if they have not already made a French Will, our advice is simple;
charge, as it is in all cases. Don’t put it off any longer.
Your consultations with the professionals may be face-to-face or if it
T: 0845 555 6545
is easier for all the parties, then by telephone or the internet, such
E: contact@heslop-platt.co.uk
as Skype. We have developed this service to ensure that you receive
W : www.heslop-platt.co.uk
the best advice before you buy - it may be too late afterwards!
If you buy your property through IBS this service will cost you nothing as PWT will refund the fee in full and indeed this
service may save you a fortune in the long run!
This package costs £750 (payment in euros is possible) and, if you buy through IBS, PWT guarantees to refund this money in full!
Please contact PWT on + 44 (0)1273 626 756 for more information about our Distinction
service or email
info@normandypropertysales.com..
Le Bulletin No. 5 avril - mai 2009 Page 4