Corporate & Commercial

Ferbrache & Farrell LLP’s corporate department offers full service corporate, banking and commercial cover and is able to advise on all aspects of Guernsey corporate and commercial law, including banking and finance, regulatory, investment funds, asset management and listings on The International Stock Exchange (TISE).

Latest Insight
05 January 2026
Insight
“People do not leave companies, they leave cultures.” And who shapes that culture? Human Resources. When people hear Human Resources, they often think of hiring…
Dispute Resolution

The Dispute Resolution department at Ferbrache & Farrell LLP has vast experience of local and international litigation and dispute resolution generally, gained from acting in complex local and international high-value disputes, both in Guernsey and throughout the world.

Latest Insight
17 March 2026
Insight
A recent decision of the Upper Tribunal (Immigration and Asylum Chamber) has raised important concerns about the use of artificial intelligence (AI) in legal practice…
Property

The Guernsey property department is dedicated to providing tailored solutions that meet and exceed clients’ expectations. In addition, the property department provides support to colleagues in the corporate and dispute resolution departments on real estate-related technical points of law.

Latest Insight
13 May 2026
Insight
The Guernsey Quarterly Residential Property Prices Bulletin for Quarter 1, 2026 (published 12 May 2026) offers a clear snapshot of how the Island’s housing market…
UK Real Estate

We are delighted to help in relation to providing legal advice for real estate in England and Wales. We listen. We learn what your needs are. We proactively respond. Whether it’s personal or commercial property, we always provide sound and pragmatic advice, adding value to the transaction.

Latest Insight
20 May 2026
News
The Land Registry has today released the UK House Price Index for March 2026, showing that average UK house prices fell by 0.4% between February…
Private Client

Our services for private client matters include the drafting of realty and personalty wills, acting as professional executors, and assisting foreign lawyers who have requirements in this jurisdiction.

Latest Insight
05 January 2026
Insight
“People do not leave companies, they leave cultures.” And who shapes that culture? Human Resources. When people hear Human Resources, they often think of hiring…

No end in sight for property bounce back

In June 2020, we looked closely at the Guernsey property market post Covid-19

https://www.ferbrachefarrell.com/insight/2020/the-property-market-post-covid/ 

At that point, we were full of hope that with the guidance from the Director of Public Health and support from our community, we would see an upswing in market activity in the subsequent months. It is fair to say that our expectations have been exceeded.

 

Guernsey property 

As a property practice, we have had an exceptional summer. We have enjoyed the property bounce-back since lockdown, with an increased number of instructions. 

Those instructions have been varied, from million-pound plus properties, to assisting first-time buyers in getting onto the property ladder.

The levels of local market activity have been increasing, and we are yet to see any sign of a slowdown. 

Open market sales still have a little way to catch up, but with the current efforts being made to facilitate safe viewings and allowing potential off-island buyers to travel (without the need for mandatory self-isolation provided their travel is carried out in a controlled environment), we are confident that open market activity will be more buoyant.

 

Property in England and Wales

Similarly in England and Wales, the housing market is enjoying a post-lockdown ‘mini-boom’.

This has been fuelled by the stamp duty ‘holidaymakers’. The window for taking advantage of the Stamp Duty Land Tax cut is currently open until the end of March 2021. Realistically speaking, however, only the properties which are on the market now, or imminently coming to the market, stand the best chance of being snapped up quickly by the flurry of fresh buyers who are keen to capitalise on the SDLT savings. 

Homes throughout England and Wales are coming to market, again creating a noticeable surge in activity. This is propelled further by the change in consumer appetite for properties with a home office, garden and flexible space. The lively property market has been widely welcomed, and is a much-needed stimulant for the post lockdown economy.

What is the shape of things to come?

Working from home and flexibility will continue to be a driving factor in the property search for housing markets in Guernsey and in the UK. 

Additionally, the Guernsey market may further benefit from the overall global perception of being a safe and welcoming place, with a stable economy and first class management from the States of Guernsey in handling the Covid-19 situation.

In England and Wales, remote and flexible working and the SDLT holiday will continue to play a very important role in stimulating the property activity. However, some potential buyers may still be concerned about the resurgence of Covid-19 in the autumn, and may choose to hold back and ride it out until the end of 2020 before committing. For others, the end of the government’s furlough scheme in October could be a concern.

Although it is yet unclear what the ‘new normal’ actually means in property terms (in Guernsey or elsewhere), any activity that makes a positive contribution to the situation is to be welcomed.   

Experienced property lawyer Anna Douglass has joined Ferbrache & Farrell’s UK real estate team as counsel.

Mrs Douglass moved to the firm from Collas Crill, where she spent more than six years working as a senior associate with primary responsibility for UK residential property transactions.

She deals with all aspects of security work for private offshore banks, individual investors and asset managers in refinance of property portfolios. Mrs Douglass, a dual Polish and British national, also deals with all work relating to residential UK property, including investment buy-to-let property, new build developments, new lease work and work to rectify and extend old leases.

‘Ferbrache & Farrell has built a fantastic reputation within the industry and I am excited to join such an experienced and well-respected property team. This is a great opportunity to grow the UK real estate practice here,’ said Mrs Douglass.

Since lockdown, property transactions in Guernsey have seen a sharp increase.

‘Local property sales have seen an unprecedented spike since lockdown restrictions were lifted. We are also seeing very positive signs in the UK real estate, particularly as regards overseas investment,’ said head of Ferbrache & Farrell’s property department, Alastair Hargreaves.

‘The addition of Anna to our team is hugely beneficial – she is very experienced and well-regarded. We are delighted to welcome her to Ferbrache & Farrell.’

Mrs Douglass moved permanently to the UK in 1998 to read LLB Law in Southampton. She was awarded the Sweet & Maxwell prize for achievement, having secured the highest grade for her degree in her year. She went on to study her post graduate legal practice course at BPP Law School in London and was subsequently admitted to the Law Society roll of solicitors in 2005.

She moved to Guernsey in 2013 from Dubai, U.A.E.  Prior to moving to Dubai, Anna worked for 11 years for a reputable Hampshire based law firm. 

As Guernsey recently entered phase 4 of its exit from lockdown strategy, we take a look at the property market.

When the Covid-19 pandemic reached our shores, the vast majority of property transactions were paused. But with community co-operation and first class guidance from the Director of Public Health and representatives of the States of Guernsey, matters are picking up even more quickly than we could have imagined.

In this article, Ferbrache & Farrell partner and property lawyer, Alastair Hargreaves, answers a series of questions about property post-lockdown.

  1. What has been the impact on the local property market as a result of this global pandemic? 

During lockdown, it was difficult to predict what the impact would be.  However, the level of market activity is now surprisingly high and which gives many reasons to remain positive and confident.  Other jurisdictions have remarked favourably upon how well the situation has been managed here, and that is always a boost.  It has been particularly beneficial that the economy has been freed up as quickly as it has been, as that seems to have minimised any significant erosion in people’s willingness to enter into transactions.

  1. Has there been a drop off in business because of the pandemic and lockdown?

In short, happily not that we have seen. The work we are doing is not only a continuation of the instructions that were suspended, but a good amount of new instructions too, which is extremely encouraging. Other law firms, estate agents and finance providers we speak to are busy too, and that’s great. People seem to want to be buying and selling and refinancing, and particularly at this time of year.

  1. What has the impact on property prices been? 

Property prices don’t seem to have been adversely affected. A number of properties on the island are under offer since the easing of lockdown restrictions and there is even evidence of prices being agreed higher than the asking price.

  1. So is property still a good investment in Guernsey?

As a lawyer, I am not in a position to provide investment advice, as there are others far more qualified than me who can do that.  That being said, 2019 was the busiest conveyancing period we have witnessed for many years and which suggests that Guernsey real estate is very much sought after.  That position (post-Covid) has not changed in my opinion.

  1. Was there a problem of houses falling through because of the pandemic and lockdown?

Again, happily not.  The Royal Court and the property advocates in Court Row worked together to put procedures in place to suspend most transactions, but to enable completion for those where it was absolutely essential.  Later in lockdown, the property industry worked together to implement safe working practices and which received the relevant approvals.  That step enabled our respective businesses to recommence and which was a great example of the business community working together to find solutions. 

  1. If someone was thinking of selling before lockdown would you advise them to hold off until things have returned to normal? 

I think the prudent thing here is to speak with an estate agent.  We are coming into a busy time for property transactions in any case, as the weather is good and properties look their best.  If the last few weeks of activity is anything to go by, there is likely to be a good level of interest in any new sale stock that comes to market.

  1. What would your advice be about sellers getting planning permission for development on a property before they put it up for sale?

For some buyers, having the opportunity to develop a property with a planning permission can be quite attractive.  For others, it may be more limiting, or not appealing at all.  Regardless, the seller may incur costs to obtain the permission.  In an ideal world, the buyer and seller would work together so that the permission was one which the buyer wanted, and this can be achieved in legal drafting.

  1. Legal fees can be off putting those thinking of moving. Why are they so high? 

There is a common misunderstanding of what legal fees are made up of.  There is a distinction between legal costs of the advocate (which are generally fixed) and third party costs.  Of those third party costs, the largest will be a tax charged by the States of Guernsey and which is collected by the Royal Court.  A house bought for £350,000 will attract a tax bill of over £8,800, whereas legal fees will be only a small fraction in size compared to that.  Added together the single figure will be high, although the client will only be paying a small percentage for the advocate.  Years ago, advocates’ fees were fixed at 0.75% of a property purchase price; nowadays that sum is 0.35% or less.

Conclusion

If Covid-19 has demonstrated anything in Guernsey (or the wider Bailiwick for that matter), it is our great sense of shared purpose, resilience and problem solving.  With a mix of community spirit, entrepreneurialism, business thinking and positivity the recovery should be swift and strong in all parts of our island lives.

 

Primarily, the job of the conveyancing team (being a conveyancer and an advocate working in tandem) is to ensure that you will have correct title to the property, that the seller can sell what they are trying to sell and that you, the buyer, will have all the proper rights that you need to enjoy your home. In addition, the conveyancing team will ensure that there are no problems with boundaries and provide you with clarity if any third party has rights over your proposed purchase property.

The advocate and conveyancer fulfil an important role in that, through their firm’s professional indemnity insurance policy, the firm is in effect guaranteeing your legal title to the property. It is key that the correct level of research is carried out at the Greffe to ensure that, for example, boundary information is accurate, and any rights are correctly identified. This may include rights of way, rights to lean a ladder against your wall or perhaps the right to ask you to make contributions towards an access road or drainage.

Although Digimap is a useful tool, it does not determine legal boundaries.  The conveyancing team will confirm the boundary positions and features by carrying out paper research at the Cadastre and Greffe before going on site to make sure that the paper research matches what is seen on site.  If, for whatever reason, there is a discrepancy, this is normally resolved by a boundary exchange or a conveyance prior to purchase.

The buyer will then be provided with a detailed summary of the research and, at that stage, it is normal for conditions of sale to be signed (and a deposit lodged) for the parties to enter into a binding contract. Nearer to completion, the conveyancing team draft the conveyance document, and your completion account for monies to be settled, and then accompanies you to the Royal Court to complete your purchase, either on a Tuesday or Thursday morning. Then begins the buyer’s task to make the house a home.

One of the most frequently asked questions that we, as a conveyancing team, are asked is whether changing the name of a property has to be done in the conveyancing court. There is something deeply personal about the naming of a property and there are instances when a potential buyer does not necessarily like the name of the property that they are proposing to call their home. Very often the property name has a direct connection or link to the person who lives there at the time and this is not necessarily the case for future purchasers.

Whilst there might be a perception that the name of the property must be changed in the Royal Court and, more particularly, in the conveyance, this is not actually the case. In fact, a property name can be changed at any time. It certainly does not have to be contained within the conveyance, although if the new name of the home is known at the time of completion, then it is helpful to include it within the conveyance.

Therefore, as long as you inform the authorities, such as utility companies, banks and any public body that holds the address of the property, you can change the name of your home whenever you like.  There is no specific legal process for this, nor any fees payable and it is simply a case of adjusting public records.

 

Ferbrache & Farrell LLP is delighted to have worked in conjunction with the Guernsey Construction Industry Forum (CIF) and other stakeholders in the preparation of a new minor works template construction contract for use by the local construction industry and its clients.

Commenting on its release, managing partner Alastair Hargreaves said: “We are delighted to have been able to offer our legal expertise to CIF, and which will serve to benefit the community as a whole. This project is a testament to our commitment to doing whatever we can to assist Guernsey industry and the island generally.”

 

Ferbrache & Farrell has been recognised across five practice areas in the 2020 edition of Legal 500 UK.

One of the leading directories for the legal industry, the Legal 500 has ranked the firm in Banking and Finance, Commercial Property, Corporate and M&A, Dispute Resolution and Investment Funds.

The Legal 500 UK ranks law firms after a thorough and independent research process, which includes testimonials from clients, as well as information provided by the firms themselves.

‘Gavin Farrell is ranked a Leading Individual across three practice areas and is described as ‘well respected’ and having ‘an outstanding reputation’ with ‘a reassuring and fresh approach for solving problems’.

Managing Partner Alastair Hargreaves is described as ‘very knowledgeable of the law, regulation and policy’ and having ‘an attentive and personal relationship that larger firms do not’.

‘We are thrilled that our expertise has once again been recognised by this highly regarded guide to the best law firms. The feedback we have had from our clients, as well as the recognition of a number of key individuals, is very much appreciated and testament to the hard work and determination of the team at Ferbrache & Farrell,’ said Alastair.

To read the full listings, click here: http://www.legal500.com/firms/4402-ferbrache-farrell-llp/8074-st-peters-port-guernsey

The Guernsey Open Market is a very important sector in our island’s property portfolio. It is excellent to see it flourishing with a great deal of local and distant interest in it.

Originally conceived in the 1960s as a simplified means of ownership (by those without local qualifications or permit), it has since attracted many thousands of residents over the years.

Today, the number of properties inscribed on the Open Market register is around 1,600 of a total housing stock (Local Market and Open Market) in the region of 22,000.

Of those 1,600 Open Market properties, a large proportion of them are classified as ‘Part A’ Open Market properties, which are defined as being a private dwelling house, used as a single family unit.

A recent piece of legislation, the Population Management (Guernsey) Law, 2016, {read alongside the Open Market Housing Register (Guernsey) Law, 2016} has streamlined housing arrangements in the island from an older statute that dated to 1994. 

Those legal pillars aside, what is often of more practical concern to most people is the state and condition of their home.

The purpose of this short note is to briefly set out (for Part A Open Market Properties) the planning law position for property improvement in parallel with the Population Management stance.

Planning Law

The Island Development Plan (“IDP”), again dating to 2016 (a busy legislative  year!), has given new flexibility to our planning regime. 

It replaced the outdated Rural Area Plan and Urban Area Plan, by consolidating those rules into a unified islandwide policy book.

As one might expect, there are general planning policies (covering things like amenity, overlooking, design and so on), and more specific policies depending upon the nature of the proposed development.

Concerning demolition and rebuilding a house, a number of planning policies are likely to apply. 

Depending upon where the property is situated, it may be in a Conservation Area, or perhaps in an Agricultural Priority Area. The property may be listed, or it may have protected trees within its boundary.  These are all factors which will shape how a planning application is made.

The likely policy that will affect any such application, regardless of site location, is “Policy GP13: Householder Development”. 

Proposals for demolition of existing dwellings and the creation of replacement dwellings on a one for one basis will be supported if three criteria are met. 

The first criterion is that such development will have no significant adverse effects on the amenities of neighbouring properties.

The second criterion is that the design, scale, mass and form would not detract from the open character of open locations.  It is therefore feasible that this may not apply in every case.

The third criterion is that the development does not affect the special interest of a Conservation Area or Area of Biodiversity Importance or protected building or protected monument.  As above, the site-specific circumstances will determine whether this precondition is even engaged.

In the event that a homeowner wishes to extend their domestic curtilage at the same time as demolition and rebuilding (to enable a greater area for permitted development), then a different policy will need to be considered.

Whilst the planning maze might at first seem fraught with difficulty, your professional team will be well versed in navigating it, and to help you reach the right outcome.

Population Management

From a different perspective, but equally important, is where a Part A Open Market owner and resident would live (in Guernsey) for the rebuilding period.

In these circumstances, policy does allow for an application to be made for a Discretionary Residents Permit (DR25), and which costs £100. 

That application is made through the www.gov.gg Population Office portal, and is supported by photographic identification, a current Right to Work document number (if held), and finally documentary evidence of the development work being carried out if no planning permission is needed.

If the DR25 application is successful, it means that the person (and their immediate and extended family) will be granted a temporary Permit so that they can live all in the Local Market as a household for a period of up to 2 years.

Typically, such a DR25 Permit would be granted if there is major development work taking place at the Part A property, and it is not practical to live in the property for the duration of the building work.  Evidence would need to be produced setting out why, for example, it is not possible to rent a property in the Open Market.

Once again, the time spent to produce and submit a well-considered and evidence-based application is inevitably well worth it.

Conclusion

Guernsey planning law recognises that we have aspirations to develop our own property, and those wishes need to be balanced alongside wider planning policy. 

Guernsey population management law respects citizens’ human rights to private life and the enjoyment of family, and any interference in those rights must be fair and proportionate.

Happily, there are gateways in both regimes for balance to be achieved, and yet to help a Part A Open Market property owner to build their dream home.

An ancient Chinese proverb states that “the best time to plant a tree was 20 years ago. The second best time is now.”

Trees are very important to all of us for many different reasons, but how are they protected by the planning rules in Guernsey?

As you might expect, the position is heavily regulated by both Law, and by Ordinance. 

A “Tree Protection Order” (“TPO”) is made by the Development and Planning Authority, known as the Planning Service, in the interests of amenity (something positive that contributes to the use and enjoyment of a particular place). 

The function of the TPO is as its name suggests, but the Order will not cover hedges, bushes or shrubs. 

The TPO takes immediate effect as soon as it is made, and not, for example when a tree might reach a certain age, or size, or point in its growth cycle. The reason for that is because a tree or group of trees might be at risk of imminent damage, and so any delay would be detrimental.

By granting a tree (or group of trees) the statutory protection of the force of law, planning permission will often need to be obtained to carry out any activity that relates to it or them.  Typically, that means cutting the tree down, lopping, topping or pruning it, cutting or compacting the roots or the ground level of the root area, or uprooting, wilfully damaging or wilfully destroying it. 

But often where there is a rule, there is an exception, and protected trees are no different.  It is, in limited circumstances, possible to work on a protected tree in Guernsey and not need planning permission. But, the best practice is always to err on the side of caution. If in doubt, have no hesitation in seeking professional advice.

If planning permission is granted, the tree work will need to be carried out to a high level (at least British Standard Specification 3998/1989, and which itself was superseded in 2010).  For most of us, that will mean employing a tree surgeon.

If somebody does not obtain planning permission to work on a particular tree (and it is needed), and work is carried out, then they run the risk of an enforcement action being taken against them, and which can lead to a hefty fine or even a prison sentence (or both).

As the Planning Service is aware that this is a difficult area, a helpful guidance note has been produced by the planning officers and which is entitled, “Planning Advice Note 4: Protected Trees” and which offers various pieces of information.

So how might someone find out if there is a TPO in force on a particular property?  That could be very important to know, particularly if, for example, a homeowner has aspirations to develop their premises, or are someone is thinking of buying a property with trees in situ.

The answer is that there is a legal obligation upon the Planning Service to maintain an up-to-date public register, and this can be accessed via http://digimap.protected.gov.gg/ . This is a very useful resource as it also includes Protected Buildings and Protected Monuments.

If, as a landowner, you receive written notification from the Planning Service that a tree or trees on your property has become the subject of a TPO, then you do have the right of appeal.  It is important to remember that time is limited, in fact only within 28 days of receiving the decision. 

In conclusion, if a person is in any doubt about the status of trees near them, they should adopt the carpenter’s rule – measure twice, cut once! They should carry out research, speak to a professional and then proceed accordingly.

Ferbrache & Farrell has been shortlisted for International Boutique Law Firm of the Year in the 2019 Citywealth Magic Circle Awards.

It’s the second year running that we have reached the final stage of the awards, which bring together top advisors in the wealth sector.

‘We are thrilled to have been recognised again, particularly given that we are a new entrant to the market. We are committed to excellence in outcome and service delivery,’ said partner, Alastair Hargreaves.

‘Nomination is very much the culmination of a whole team effort.’

The awards recognise the year’s achievements of the global elite, including leading law firms, trust companies, family offices, tax advisors, investment managers and bankers. 

Winners will be announced at The Landmark Hotel, London, on 16 May.

If you would like to support us then please vote here.

As an important pillar within the structure of the Bailiwick of Guernsey, the jurisdiction of Alderney has some unique characteristics concerning property and the treatment of it. We at Ferbrache & Farrell are very well versed with the particular laws and procedures that apply to Alderney registered land, and also with the Court of Alderney applications that are needed.

In this particular case, we were approached by a married couple; the husband was a UK citizen, and his wife was a passport holder from a country that is not an EU Member State.  The couple sought to buy a residential property in Alderney.  For ease of reference, let us call them ‘Mr and Mrs X’. Whilst Mr X (as a UK citizen) could purchase property there in his own name, his wife could not.

Although UK immigration law transposes into Bailiwick law by an Order in Council (and with local modifications), each jurisdiction within the Bailiwick may have its own arrangements determining how property may be owned.

In Alderney, the governing law dates to 1906 and is called the Loi Relative à l’Acquisition de Propriété Immobilière en cette Île par des Étrangers ou par des Sociétés Étrangères 1906 (as amended).

The peculiarities of that piece of legislation apply to Mr and Mrs X and we were instructed to help.  It was a pleasure to be able to assist as applications under the 1906 regime are fairly rare.

In the first instance, we collated various pieces of evidence about the circumstances of Mrs X, supported by an affidavit. 

We then presented a formal written Petition to the Queen’s local representative, namely His Excellency The Lieutenant Governor of the Bailiwick of Guernsey Vice Admiral Sir Ian Corder KBE CB. 

Our Petition set out various grounds why Mrs X should be granted permission to purchase property in Alderney.

Having achieved success at the first hurdle with our Petition being approved, we then made an oral application before the full Alderney Court.  That application referred to the position taken by His Excellency and that various criteria had been met under the 1906 Law.

Happily, the application was granted enabling Mr and Mrs X to purchase their new home.

In an excellent example of cross-jurisdictional assistance (and which was greatly appreciated), the Royal Court of Guernsey kindly accommodated a video link to Court of Alderney, a neat modern treatment of a very old piece of legislation.

For any Alderney queries, please do not hesitate to contact us, we would be delighted to help.