The cost of owning a second home in Gibraltar

Hi all

Myself and my wife got married in Gibraltar two weeks because we love the place. We both retire from the UK police force in 7 years time and I would love to retire to Gibraltar.

We are considering buying a property now that would allow us and the family to visit more often and get us onto the property ladder.

We are only looking at a one or two bed apartment.

Other than the obvious mortgage, I need to understand what ongoing costs are there with a scone property, such as the council tax, utilities etc you have here.

I note there is a service charge in most complexes but I can't find info on how much these tend to be. Do they also cover the utilities.

Any other costs that I may need to consider would be greatly appreciated.

Thanks for reading and I look forward to any responses.

Regards

James and Tina