Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows Gill Ross on her balcony overlooking the private gardens.
We’re in Surrey this week (Picture: Ben Gurr)

What I Own

For last week’s sister column, What I Rent, we visited 25-year-old Tia Costell at her two-bedroom flat in Acton, West London, which she pays £1,250 per month for.

This week, we’ve escaped the city for the home counties to explore 77-year-old Gill Ross’s flat in Bagshot, Surrey.

Having sold her home in South London back in 2021, she decided to join a flourishing retirement community – and has since made countless friends.

Here’s what she had to say about her property journey…

I’m 77 years old and live in Bagshot. I moved from South London and now live in a light and spacious apartment in a leafy part of Surrey with many local activities and walks and good transport connections.

I had some interesting jobs throughout my working career. I spent 10 years working for the United Nations in Paris and Rome before returning to the UK to work in the City of London in banking where my knowledge of French and Italian proved to be very useful.

Before retiring I was a bookseller at Waterstones, a wonderful job which eased me into retirement after many years of challenging work overseas and in the UK.

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows Gill Ross in the bedroom.
Gill moved to Bagshot in 2021 (Picture: Ben Gurr)

Wessex Lodge, which is a Churchill Living property in Bagshot, Surrey. I think it’s a great place to live – I’m near the train station, so I can easily see my friends and family, and Bagshot Park is just across the road, so I have lovely views.

I can also stay active by walking with friends in the surrounding forests and heathland when it’s nice outside. It’s perfect to be close to the countryside and to amenities like the town centre too.

April 2021.

£484,950.

N/A as no mortgage.

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows Gill Ross just outside her apartment in an area she calls her reading nook.
Gill loves her reading nook (Picture: Ben Gurr)

I pay a flat cost of around £550 per month that includes almost everything, such as heating, hot water, and maintenance. This means I have a very uncomplicated, structured life.

When it comes to finances, I like to know what’s going in and coming out, so my bills being covered gives me peace of mind. We also have a lodge manager called Alex, and he’s our go-to for any maintenance issues, like the hot water not working or a lightbulb going out.

I owned a house in Beckenham in South London.

I knew I wanted the security of buying a Churchill property because of all the benefits it comes with. I used their specialist downsizing advice service because I didn’t want the stress anymore of maintaining an entire house.

Somebody asked me about my ideal retirement, and I said I’d pay somebody money to do the boring stuff so I could go out and have fun. That’s exactly what life is like here.

Being a woman of my age you tend to chat with friends about their plans for later life, some of them move in with family, some of them stay in their homes, and some of them (like me!) decide to move into retirement communities.

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows Gill Ross on her balcony overlooking the private gardens.
There’s even a balcony (Picture: Ben Gurr)

I love having company and being part of a community of like-minded people, so I knew this was the right decision for me. We have regular activities, and you can be as involved as you like, so it means I can stay social.

We’re like an extended family. I have made great friends here with similar interests and a similar sense of humour. We’ve been together a couple of years now and have learned each other’s little foibles and quirks – and we can tease each other. It’s a wonderful community.

Sometimes there will be general maintenance issues that come with any home, like a fuse or a lightbulb blowing, but we have a lodge manager who can help sort out anything like that.

The maintenance is already covered by my payments, which means it’s much less stressful than if I was living in a house on my own.

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows Gill Ross in the office.
Gill has her own office space (Picture: Ben Gurr)

Don’t leave it too late. Moving into an apartment when you’re fit and well means you can enjoy it for quite a few years.

I plan to stay at Wessex Lodge for as long as I can! I have a great group of friends here, and I’m free to come and go and do what I want, when I want, without any stress.

It’s given me time to invest in doing what I love – from walking with friends to going out and listening to jazz or going to my wine appreciation class. Retirement is allowing me to pursue my passions.

Shall we take a look around?

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows the living room.
Gill loves the independence that the retirement community affords her (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows ornaments on the coffee table in the living room.
She’s made the space her own with personal touches (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows the mantle piece in the living room.
It’s a bright and airy apartment (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows a bear nestled among colourful cushions in the living room.
Churchill Living allows Gill to enjoy her home without worrying about maintenance (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows the second bedroom that has become the office/library.
This looks super cosy (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows the second bedroom that has become the office/library.
There’s plenty of reading material here! (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows the second bedroom that has become the office/library.
Gill loves being close to nature as well as local amenities (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows a book on the office desk.
A room (or flat) of one’s own (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows the kitchen.
The two-bedroom home came with all mod cons (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. Even Divas Need a Day Off - on a plant in the kitchen.
It’s true (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows the bedroom.
The main bedroom is a great size (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows the window sill in the bedroom.
There are even more books on the windowsill (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows a cushion bearing the definition of the word 'Retreat' on a chair in the bedroom.
Gill loves the community aspect of the development (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows the bathroom.
Spot the rubber duck (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows the rubber duck in the bathroom.
Quack (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows a bear perched on a stack of books in the office/library.
There’s another teddy bear tucked in here (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows the balcony overlooking the private gardens.
The perfect spot for a morning cuppa (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows a concrete statue of Buddah on Gill's balcony.
The residents go for walks in the local countryside (Picture: Ben Gurr)

Gill Ross and her apartment in Bagshot, Surrey are the subject of a What I Own feature. This picture shows the private gardens.
There’s more communal green space too (Picture: Ben Gurr)

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