1 Exclusive Sales & Marketing Partner STUDENT ACCOMMODATION EXCLUSIVE ü 10% NET per annum assured for 3 years ü Modern self-contained studio apartments ü Fully managed by Liverpool Student Lets NORFOLK H O U S E LIVERPOOL
2 About Us Experience Invest Founded in 2004, ExperienceBG Limited is a privately owned London-based independent property specialist, and is considered one of the most established in the industry. As the company has grown, markets have changed and Experience Invest is a new division of the Experience Brand dedicated to non-traditional investment products, innovatively designed to meet the needs of today s astute investor. Opportunities are tailored for the current market conditions and provide the opportunity to invest in asset classes seldom available to the individual investor. Student Accommodation is widely regarded as a firstclass turnkey, alternative investment product, and is increasingly popular to investors seeking to increase the purchasing power of their money. Student Accommodation ü First class turnkey investments ü Provide long-term robust income streams ü Above average yields ü Increasing yields (over time) provide resale at higher price Our Success WITH OVER 4 YEARS EXPERIENCE AS INNOVATORS AND PIONEERS OF THE STUDENT PROPERTY INVESTMENT MODEL, WE ARE THE LEADING SUPPLIER OF PURPOSE-BUILT STUDENT ACCOMMODATION IN THE UK. OUR GLOBAL RECOGNITION LED US IN 2013 TO SELL OVER 600 PROPERTIES TO CLIENTS IN OVER 50 COUNTRIES WORLDWIDE. OUR PRESTIGIOUS UK HEAD OFFICE IS LOCATED AT TRAFALGAR SQUARE IN CENTRAL LONDON AND WE CATER FOR ALL TYPES OF CLIENTS; FROM FIRST-TIME INVESTORS AND HIGH-NET-WORTH INDIVIDUALS TO CORPORATE CLIENTS.
3 Executive Summary Uncover a new, low-risk and profitable investment venture, engineered for investors. How does the investment work? The concept is simple An opportunity to invest into our latest UK Student Accommodation Exclusive and benefit from proven and sustainable returns from this profitable sector. Investors purchase one or more modern self-contained studio apartments with kitchenette which are leased back to a well-established management company on a rolling agreement so that the building, in its entirety, can be let as student accommodation. The managed turnkey nature of the investment allows investors a hands-off approach whilst taking advantage of increasing rate of returns and capital appreciation. Investors benefit from yields much higher than traditional buy-to-let investments. As the asset receives a higher income, it becomes more valuable and saleable every year, providing owners with the security that when they wish to exit the investment, the asset is just as attractive as when they bought it. TOTAL INVESTMENT IN UK STUDENT ACCOMMODATION BREACHES 2BN FOR SECOND CONSECUTIVE YEAR. CBRE STUDENT HOUSING MARKETVIEW Q SECURED INCOME FULLY MANAGED PROVEN RETURNS 10% NET per annum Assured for 3 years Proven Business Model Full turnkey investment Established management company manages student suites on your behalf Delivers a long-term, robust income stream Our range of student investment property has been specifically engineered for investors and provides an opportunity to benefit from proven and sustainable returns from the profitable student accommodation sector.
4 Student accommodation No.1 choice for property investment in the UK Experience Invest first introduced student accommodation to investors seeking an alternative to the UK s more traditional property markets several years ago and during this time the sector has seen phenomenal growth. Our foresight combined with the rapid emergence of the sector has rewarded investors with strong returns. Once considered an alternative to the UK s more traditional property markets, the Knight Frank 2014 Student Property Index shows that total returns from student accommodation outperformed all other property asset classes in the year to September. This has been the case since The CBRE Student Housing Index has also shown total returns of 9.95% between September 2012 and September 2013, outperforming the IPD All Property Index for the 3rd year running. How assets compare Total returns year to September % 7% 6% 5% 4% 3% 2% 1% 0% Student All property Retail Office Industrial Source: Knight Frank / IPD Key asset class 2014 ü The student buy-to-let market is now well established and increasing demand outstrips available supply ü Consistent occupancy rates of 99% deliver robust long-term, low-risk income streams ü Bad debts are virtually non-existent as students pay rent in advance ü 163 Higher Educational Insitutions (HESA) ü With no cap on the number of students who can study in the UK, Knight Frank forecasts that the number of international students in Higher Education will increase by 15% to 20% over the next five years ü 3% increase in student numbers (UCAS) ü 7% increase in applications from overseas students (Home Office, March 2014) ü The UK attracts 13% of the global market share (HESA) ü A record number of over 500,000 places were allocated for the student intake (UCAS) Market fundamentals supply and demand There were around 2.5 million students registered to study at the UK s 163 higher education institutions in *. In 1996/97 there were 1.8 million students and the dramatic expansion in student numbers has left most universities with an acute undersupply of accommodation. Existing housing provided by universities is often outdated and the availability of purpose-built, modern accommodation is a crucial part of their marketing plans to attract the growing student intake. With supply restricted and strong demand underpinning rental growth, now is the perfect time for investors to take advantage of current market conditions. *Patterns and Trends in UK Higher Education 2013 (Universities UK in collaboration for HESA).
5 International students in the UK A growing market for high specification student accommodation Change in non-eu students by region of origin, and North America 32% Asia 114, ,525 Africa 25,025 35,255 North America 20,540 27,100 Middle East 11,775 26,665 Other Europe 10,495 17,890 South America 3,595 4,090 Australia 2,055 2,475 South America 14% Africa 41% Middle East 126% Other Europe 70% Asia 64% INTERNATIONAL STUDENTS MAKE UP OVER 10% OF THE STUDENT POPULATION IN LIVERPOOL WHICH IS SET TO RISE WITH THE NUMBER OF OVERSEAS STUDENTS IN UK UNIVERSITIES PREDICTED TO RISE BY A FURTHER 10% THIS DECADE (BRITISH COUNCIL 2012). Australia 21% Source: HESA Main source countries for international students British Council The following summarises the British Council s forecast of demand for international student places in the UK: ü In 2003, 4 out of the top 10 countries with the highest demand for international student places in the United Kingdom were Asian, namely China, Malaysia, Hong Kong and India. ü By 2020, these same countries plus Pakistan will have assumed increasing importance in the top ten. ü By 2020, China could account for over 130,000 international students studying in the UK. ü Demand from India could grow to almost 30,000 students by Higher education students by domicile at UK higher education institutions ( ) 130,115 Domicile UK EU Non-EU 298,110 Total 2,501,290 2,073,065 Source: HESA 2012 Students
6 Introducing NORFOLK H O U S E LIVERPOOL Norfolk House Liverpool UK Student Accommodation Exclusive Fully managed by Liverpool Student Lets
7 The Opportunity Liverpool, UK Investment Highlights Receive passive returns Norfolk House is a brand new, purpose-built student accommodation development which provides individual investors with an excellent opportunity to enter the lucrative student property market at an accessible level. The development comprises 156 fully-managed, modern self-contained studios. Each self-contained studio apartment is available from 62,500 with a favourable payment plan spread across the duration of the construction phase. Upon completion this UK student property investment will deliver 10% annual NET returns, assured for 3 years. EXPERIENCE INVEST HAS BEEN APPOINTED THE MASTER SALES AND MARKETING PARTNER OF NORFOLK HOUSE, LIVERPOOL. STUDIO APARTMENTS WITHIN NORFOLK HOUSE ARE NOT AVAILABLE ELSEWHERE. PLEASE CONTACT US TODAY ON +44 (0) Receive 10% NET per annum Assured returns for 3 years UK student property investment Fully managed opportunity ü No finder s fee ü Modern self-contained studios from 62,500 ü 10% NET p.a. assured for 3 years ü 4% interest paid on deposited funds ü Sold on a 250-year leasehold ü Fully managed by Liverpool Student Lets ü Q completion date ü Close to Liverpool s University District ü Planning granted for multipurpose use students, graduates and young professionals WE HAVE UNDERTAKEN COMPULSORY DUE DILIGENCE ON NORFOLK STREET, LIVERPOOL TO VERIFY THE BUYING PROCEDURE AND TO SATISFY THAT THE OWNERS OF THE PROJECT ARE IN A LEGITIMATE POSITION TO PROMOTE AND SELL THE INVESTMENT.
8 Sought After Location Baltic Triangle Liverpool School of Tropical Medicine 500 Students* The Royal Liverpool University Hospital Liverpool Hope University 7,885 Students Liverpool s Baltic Triangle is a port area of the city which borders the Echo Arena, BT Convention Centre, Albert Dock, Liverpool One and Rope Walks. This historical area is one of the last locations in the city which offers redevelopment opportunities, with a surge of investment already entered into the area. Its close proximity to the city s centre combined with excellent transport links and local amenities make the Baltic Triangle a sought after area. The Baltic Triangle is a proven zone for students to live in and is fast becoming the new creative hub and student quarter in Liverpool. Investment in Liverpool Fastest growing city outside of London Liverpool has seen over 4bn of private and public investment since 2000 which has helped it to grow faster than any other city outside of London. It was the first European host of the Global Entrepreneurship Congress and new developments such as Liverpool Waters have helped boost the popularity of the city. Albert Dock River Mersey Echo Arena James Street Station Liverpool Central Station Liverpool Marina Liverpool Shopping District Baltic Triangle Liverpool Lime Street Station The University of Liverpool 15,959 Students Liverpool John Moores University 13,827 students China Town LIPA 586 Students NORFOLK HOUSE Artesian Distances from NORFOLK HOUSE China Town 0.25 miles Liverpool Marina 0.60 miles Echo Arena 0.70 miles Liverpool One 0.70 miles LIPA 0.80 miles Albert Dock 0.90 miles Liverpool John Moores University 0.90 miles Central Station 1 mile Liverpool James Street Station 1 mile The University of Liverpool 1 mile Liverpool Lime Street Station 1.3 miles The Royal Liverpool University Hospital 1.6 miles Liverpool School of Tropical Medicine 1.5 miles Liverpool Hope University 1.9 miles Figures taken from UCAS Nov 2012 * Number obtained from the Liverpool School of Tropical Medicine **Distances are approximate. Source: Google Maps
9 Why invest in Liverpool? A popular University City for international students Liverpool John Moores University University of Liverpool The Liverpool Institute for Performing Arts (LIPA) Liverpool School of Tropical Medicine Liverpool Hope University Liverpool is one of the most established centres in the UK for higher education and is home to a number of leading institutions including The University of Liverpool, Liverpool John Moores University, Liverpool Hope University and The Liverpool Institute of Performing Arts. Picture credit: Rept0n1x Picture credit: John Bradley The combined student population currently standing at 53,000 almost 12% of the city s total population with students from over 100 countries in the world enrolled. In addition to its reputation as a centre for educational excellence, Liverpool is one of the most desirable places in the world for students to attend university. With the majority of university campuses being centrally located, living near to the centres of study and the amenities, shops, restaurants and nightlife of Liverpool City Centre is of importance. ü Ranked 69th Guardian University league table ü Ranked 354th - Times Higher Education World University Rankings for ü Developments include the RIBA award-winning 24-million Art and Design Academy, the 25.5-million Tom Reilly Building ü Higher Education Funding Council for England (HEFCE) awarded LJMU 4.5 million over five years for the establishment of a Centre for Excellence in Teaching and Learning (CETL) ü Ranked 54th Guardian University league table ü Ranked 171st The Times Higher Education World University Rankings ü The University s Sports and Fitness Centre received a 5 million refurbishment in 2012 ü The university is investing 600 million in its facilities, and has recently opened its new 23 million teaching laboratories. It has also opened a 23 million research facility for the Institute of Infection and Global Health. ü LIPA offers degree programmes in Acting, Community Drama, Dance, Music, Theatre and Entertainment Management, Music, Sound Technology, Theatre and Performance Design, and Theatre and Performance Technology. ü LIPA is regularly amongst the top 10 in rankings for specialist institutions ü 20m was initially invested in creating the institute ü Over 500 students from 60 countries (LSTM) ü 23 million state-of-the-art facility which puts us at the forefront of infectious disease research ü Research portfolio worth 200 million ü The 2011 National Student Survey ranked the Departments of Theology, Philosophy and Religious Studies and Fine and Applied Arts as top in the country for student satisfaction. ü 42 million invested in buildings and equipment over the past 5 years ü 5:1 ratio of applicants to places secured at the University ü 92% of students are either employed or are in further education after 6 months after graduation
10 Management Company Liverpool Student Lets Specialising in the student accommodation sector, Liverpool Student Lets is a well-established lettings company with an unrivalled knowledge of the local market. With offices based in the Knowledge Quarter, Liverpool Student Lets will provide ample scope for your unit/s to be marketed to students studying in the city. Boasting a wealth of experience in the student property market, Liverpool Student Lets is fully equipped to manage, maintain and service your unit on your behalf. Liverpool Student Lets is a member of Liverpool City Council s CLASS accreditation scheme, and has membership to both The Property Ombudsman and National Landlord s Association schemes. LIVERPOOL S STUDENT PROPERTY MARKET IS WELL ESTABLISHED AND WE FEEL THAT THE STUDIO APARTMENTS IN NORFOLK HOUSE WILL BE A VERY POPULAR CHOICE FOR STUDENTS. THE BUILDING HAS A HOST OF GREAT FACILITIES, LARGE BEDROOMS AND THE BUILDING S LOCATION WILL SUIT STUDENTS STUDYING IN ANY OF THE CITY S UNIVERSITIES, LIVERPOOL STUDENT LETS.
11 Specification ü All studio suites will include a double bed, bedside tables, large wardrobe, shelves, chair, internet connection, kitchenette and en-suite. ü 24 hour CCTV security and controlled building access ü Communal courtyard ü Fully equipped state-of-the-art gym ü Roof terrace with leisure facilities ü Cinema room ü Onsite management team & manned reception ü Lounge area with LCD TVs ü Study and meeting rooms ü Visitor parking ü Games room with pool table and gaming stations ü Onsite laundry
12 Ease of Purchase Financial Breakdown Each studio suite shall be sold on a leasehold basis for a period of 250 years. ü Choose your property and pay 5,000 Reservation Fee ü The solicitors will assist the purchaser through to Exchange of Contract (within 28 days)* ü 50% of the purchase price is required to Exchange at Contract, less the Reservation Fee = 26,250 ü 25% is payable 6 months after Exchange of Contracts = 15,625 ü 25% on Completion = 15,625 STUDIO ROOMS Investment Returns Income from 6,250 per annum MODERN SELF-CONTAINED STUDIOS DELIVERED FULLY-FURNISHED PURCHASE PRICE 62,500 NET YIELD: 10% ( 6,250 PER ANNUM) ASSURED FOR 3 YEARS FULLY MANAGED OPPORTUNITY SOUGHT-AFTER LOCATION WITH HIGH DEMAND FOR BEDS *A TEAM OF COMMERCIAL SOLICITORS, EXPERIENCED IN THE STUDENT ACCOMMODATION INVESTMENT MARKET, HAVE BEEN APPOINTED TO ACT ON THE BEHALF OF INVESTORS. AVAILABLE FROM 62,500 10% NET RETURNS ASSURED
13 Investor Security Safeguard of Funds Is the sale handled by UK lawyers? Yes. A team of commercial solicitors, experienced in the student accommodation investment sector, have been appointed to act on the behalf of investors. Who will manage my investment? Norfolk House, in its entirety, will be fully-managed by Liverpool Student Let. With 15 years experience managing properties in Liverpool, the Company is fully-equipped to manage and market your investment on your behalf. Can I sell my unit/s at any time? Investors are permitted to sell at any time after exchange of contracts. Proven Returns Hassle-Free Ownership Is there a rental assurance in place? Yes. The first 3 years are assured at 10% NET. What are the projected returns p.a. after year 3? A conservative 11% NET return after all running costs, management fee, service charge and utilities. When is my rental income paid? Rental income is paid quarterly in arrears direct to your chosen bank account from completion. As a non-resident in the UK am I taxed on this income? DEMAND FAR OUTSTRIPS SUPPLY IN UK UNIVERSITIES WITH AROUND 1.3 APPLICANTS TO EVERY ACCEPTANCE IN 2012, LEAVING MANY UK STUDENTS UNABLE TO OBTAIN A PLACE AT UNIVERSITY, THE GUARDIAN. If you are a UK resident then yes you will be subject to tax. If you are a non-resident in the UK then you are classed as an overseas landlord and may apply to HMRC in the UK for exemption. Please note we cannot guarantee that an application to receive rent with no tax deductions will be accepted.
14 Next Steps Reserving a unit This bespoke investor report provides a valuable insight into purchasing in our UK Student Accommodation Exclusive and incorporates additional information on the student property sector. Please contact your dedicated consultant to discuss or request any of the following: Market Valuation Architectural floor plans Availability Reserving a unit PLEASE CALL US ON: +44 (0) ALL CORE MARKETS CURRENTLY REMAIN STRUCTURALLY UNDERSUPPLIED. WITH STUDENT NUMBERS RISING THE IMBALANCE WILL NOT BE CORRECTED WITHIN THE SHORT TERM, KNIGHT FRANK 2014 STUDENT PROPERTY INSIGHT.
15 Why Choose Us? Buy with Confidence What our clients say... ü Founded in 2004 Experience Invest is a privately owned UK property investment company. I was attracted to the investment because it offered the best rate of return given the risks involved. Also I was investing in the UK and invest- ü We are a well-established company and among the most recognised and reputable in our industry. ü With clients based across the globe, we broker many transactions each year with a total value of approximately 100 million. ü We offer our clients the highest concentration of experience and talent working from our London Head Office located in Trafalgar Square. ment was covered by UK law. I found the buying process straight forward and my sales consultant was both knowledgeable and straight forward. I had no problems at all purchasing through Experience Invest and I would certainly buy through them again. Trevor Scott, Singapore ü We provide exclusive access to market leading products. ü We cater for all types of clients from first-time investors and high NET worth individuals to corporate clients. I entered a student accommodation investment in ü All of our projects undertake compulsory due diligence to verify the buying procedure and to satisfy that the owners of each individual project are in a legitimate position to promote and sell the investment. ROI, hassle-free procedure to invest. My Experience ü The majority of our transactions are repeat purchases and client referrals which is testament to our unparalleled client service. ü We provide one-to-one consultation at our London and regional offices. Liverpool as it was at a reasonable price with good Invest Sales Consultant was very knowledgeable & always helpful. The buying process was very satisfactory. For future investment I will always select Experience Invest. Muhammad Waseem Ul Haq, Saudi Arabia.
16 Experience Invest 1 Northumberland Avenue Trafalgar Square London WC2N 5BW UK Tel: +44 (0) Disclaimer This document is intended to provide general information concerning the proposed development, construction and management of Norfolk House, Norfolk Street, L1. The information provided has been prepared in good faith and to give a fair overall view of the Development. The photographs and electronically generated images, furnishings and accessories featured are for illustrative purposes only. This document and all information provided by us at our web site at or otherwise is based upon information provided Baltic Developments Limited (the Vendor) to ExperienceBG Limited t/a Experience Invest ( Experience, we, us, our ) and is provided on a confidential basis. This document is for the sole use of potential business partners and/or prospective purchasers. Reasonable care has been taken by us in the preparation of this document but we do not accept any responsibility or liability for the information which has been provided by the Developer. We further do not accept responsibility or liability of views or opinions herein provided or provided by us or on our behalf (whether orally or in writing) unless we have expressly confirmed such information and/or views and/or opinions in writing as being such that it should and can be relied upon. The information provided should not be taken as advice in relation to the Development. We do not warrant the accuracy or completeness of the information and/or measurements and/or financial returns provided in this document. These have been provided by the Vendor and we believe them to be correct. You acknowledge that you should and will make your own enquiries before proceeding to purchase. Nothing in this document is or should be relied upon as a representation, warranty or promise as to the past, present or future performance of Experience, the Vendor or any person directly or indirectly connected with and of them. We recommend that all appropriate commercial, tax and legal enquiries and advice is obtained before entering into a legally binding contract to purchase a property forming a part of the Development. Copyright in and to this document and its contents belong to ExperienceBG Limited.
Singapore SERVICES 2012 CBRE, Inc. Information herein is based on third party sources we believe reliable and we do not assure its accuracy or completeness. Offerings are subject to price changes, rental,
Luxury Student Accommodation Leeds, UK Why Invest In Student Accommodation? Student property returns will continue to outstrip traditional asset classes into 2014 - The Knight Frank Student Property Report
Bond Street Capital London Management and Solutions for International Expansion WHO we ARE Bond Street Capital London is an alternative professional services firm, specifically formulated to capitalise
SERVICED OFFICE TO LET Address Britannia Buildings 70/72 Silver Street DONCASTER DN1 1HT Specification 2 nd floor offices From 7 m 2 (75 ft 2 ) Attractive building Central location INCLUSIVE RENTS Flexible
Your Guide to Starting and Building a Residential Property Portfolio Kirwans is regulated by the Solicitors Regulation Authority No: 71723. VAT No: 595 5994 62 Kirwans is one of the North West s most forward
UK IMMIGRATION SERVICES Solutions Designed for International Clients. www.nine-ix.com CONNECTING PEOPLE IT S MY LOVE PASSION WORK. 1 Welcome Your family is your greatest asset with growing political uncertainty
InvestIng In london commercial real estate contacts gareth Williams Partner Property Department for Royds LLP Tel: +44 (0) 20 7583 2222 email@example.com andrew cruickshank Tel: +44 (0) 020 7338 4434
Property Data Report Introduction This document sets out some key facts about commercial property, a sector which makes up a major part of the UK economy in its own right, as well as providing a platform
Assured Rental income TAX-FREE CARIBBEAN BUY-TO-LET INVESTMENT OPPORTUNITY Starfish Isle, Palm Cay, Nassau, Bahamas GATEWAY TO THE 700 ISLANDS OF THE BAHAMAS Palm Cay with 194 boats slips, is one of the
For Sale - On the instructions of Tom Keenan of Keenan CF as Administrator of Lisk Limited (In Administration) Boutique 35 bedroom hotel, restaurant and nightclub in the popular Botanic Area Summary Boutique
Property Data Report Introduction This document sets out some key facts about commercial property, a sector which makes up a major part of the UK economy in its own right, as well as providing a platform
Letting and Property Management About Us A professional, Letting and Property Management service for non-resident and UK resident buy-to-let investor landlords. We provide flexible, innovative, and efficient
BUSINESS INVESTMENT RELIEF Private company investing for non-domiciled ordinary UK residents May 2014 Rockpool is an independent firm dedicated to creating tax-efficient investment opportunities for individuals.
OFFICE SPACE AT Quality open plan office space to let from 6,300 to 14,405 sq ft Christchurch Road, Bournemouth BH1 3NA WELCOME TO THE CHOCOLATE BOX The Chocolate Box is a newly regenerated landmark development
SPV Global Overseas Property Investment Investing in established and stable property markets About Us SPV Global is an overseas property agency for Chinese investors in Hong Kong, Macau, China and Taiwan.
HOUSE IN MULTIPLE OCCUPATION HIGH RENTAL YIELDS Replace your current income with 1 property Total rental income PCM: 2,340.00 Yearly return on initial cash investment 8.28% 150,000 Business Strategy Student
4 GREAT MOOR STREET Bolton, Greater Manchester 9% Yield 60% ROI PRE LAUNCH OFFER 5% DISCOUNT for early bird investors Prices start from 44,950 Low Entry Levels Invest from as little as 46,950 with no hidden
28 St Thomas Court, Bristol, BS1 6JG Bristol City Centre Office Investment Long Leasehold Located in the heart of Bristol City Centre. Modern office accommodation recently fully refurbished. Let to Potato
Invest NEWCASTLEGATESHEAD WELCOME Welcome to NewcastleGateshead, one of the UK s fastest growing cities with world-renowned strengths in Life Sciences and Biotechnology; a significant and growing ICT software,
Buy-to-Let Investor Guide residential letting www.linleyandsimpson.co.uk Buy-to-let is a British phrase referring to the purchase of a property specifically to let out. A Buy-to-Let mortgage is a mortgage
West One West One A popular West End location expanded to offer new high quality office space A statement West End location Choosing the right address can be crucial to the success of your business. The
RUSH HAIR FRANCHISE BE YOUR OWN BOSS Contents Who We Are & What We Believe Franchising With Rush Hair & Beauty It s A Growth Industry Our Long Term Vision and Goals Franchise Key Points Ongoing Support
Your Choice Equity Loan Scheme Assisting aspiring homeowners to get on to the property ladder Catalyst Housing (Catalyst) is a leading housing association delivering affordable homeownership products across
Schroder Property Multi-let industrial estates: more than just your average manufacturer July 201 For professional investors and advisers only Introduction Eleanor Jukes, Senior Property Research Analyst
Unit 6b, 7 Tyers Gate London Bridge, LONDON, SE1 3HX Area Net Internal Area: 65 sq.m. (699 sq.ft.) Rent 35,000 per annum (approx. 2,917 monthly) subject to contract Property Description This newly refurbished,
Let s work together Intermediary product guide. Launched in 2009, Aldermore champions Britain s businesses. We offer straightforward banking products and services to small and medium-sized businesses and
A guide to mortgages Contents An Introduction to mortgages 3 What is a mortgage? 4 Choosing a mortgage - where to start 5 What to consider before getting a mortgage? 6 Mortgage and repayment types 8 Interest
Gateway West Business Centre, Gateway House, Newburn Riverside, Newcastle, NE15 8NX Suites to suit from 2+ desks whatever your office, meeting or training room requirement speak to Business Space Solutions
Solicitors Professional Liability Proposal 2013-14 Proposer Details Practice Title(s) (including service companies) Principal Address line one Principal Address line two City and postcode Telephone number
WELCOME Gold Property Developments welcomes you to this exhibition of the draft plans for the regeneration of the Holborn Studios site on Eagle Wharf Road. The site covers approximately 0.37 hectares and
Savills World Research Policy Response Buy to Let Tax Relief Autumn 215 savills.co.uk/research In his May budget the Chancellor announced a limit on mortgage interest relief for buy to let investors in
Your guide to YourChoice Open Market Home Purchase Equity Loan Scheme Making your aspiration of homeownership a reality For eligible people living or working in the South Bucks District Council area Delivered
Market Making for Exchange Traded Funds Corporates & Markets Commerzbank your trusted partner in the ETF market Since the start of the new millennium, exchange traded funds (ETFs) have experienced phenomenal
`Landlords and agents for flats, studios and houses in multiple occupation' About Ask Property Management ASK Property Management work with numerous landlords across the city, and are proud to have been
1/12/2013 Personal Finance By Steven Peeris, Research Analyst NUS Students Investment Society NATIONAL UNIVERSITY OF SINGAPORE TIME IS MONEY TRADING TIME FOR DOLLARS What are we getting paid for when we
The Instant Managed Of ce We would willingly do further business with Instant. They are a very professional, able and proactive organisation which operates a very successful and efficient business model.
WILLIS RETAIL PRACTICE REDUCING THE COST OF RISK REDUCING THE COST OF RISK As a retailer, you work hard to build and protect your business and the ability to deliver on your brand promises is key to the
WELCOME! Introduction Celebrating Ethe Factor Network establishment of &PrimeRevenue PrimeRevenue Hong Kong 2012 PrimeRevenue, Inc. Global Reach Today, we transact business in 50 countries Our platform
Faculty of Biological Sciences POSTGRADUATE RESEARCH DEGREES 2014 RESEARCH DEGREES: PHD & MSC BY RESEARCH The Faculty is home to more than 100 academic researchers with expertise right across the biological
TO LET Ideal Starter Warehouse / Light Industrial Unit WARWICK HOUSE BUSINESS PARK BANBURY ROAD SOUTHAM CV47 2PT Typical terrace frontage Unit 14 500 sq ft (46.37 sq m) Extensively refurbished former bathroom
HONG KONG SERVICES CBRE GROUP INC. Headquartered in Los Angeles, CBRE Group Inc. is the world s largest commercial real estate services firm (in terms of 2012 revenue). We are a Fortune 500 and S&P 500
Insurance solutions for private and commercial clients Prestige Insurance Brokers Ltd is the independently owned boutique insurance brokerage that offers unparalleled personal service to both private and
Marina Bay Sands George Tanasijevich President and CEO of Marina Bay Sands MBS Starts Strong and Continues to Ramp Marina Bay Sands Starts Strong and Continues to Ramp Adjusted Property EBITDA and Adjusted
360 o View of Global Immigration In a fast moving global economy, remaining compliant with immigration laws, being informed and in control is more challenging than ever before. We are a globally linked
Your Assets - Our Know-How communication, response, control, direction, organisation Enter > Asset Management Who we are & what we do communication, response, control, maximisation, direction, organisation,
Your guide to the Vale of White Horse District Council Open Market Equity Loan Scheme Making your aspiration of homeownership a reality Your Home, Your Choice For eligible people living or working in the
UBS Global Real Estate Conference Stephen Hester, Chief Executive We are real estate investors and create value by actively managing, financing and developing prime commercial property to provide the environment
This document is issued by Standard Life Investments Property Income Trust Limited (the "Company") and is made available by Standard Life Investments (Corporate Funds) Limited (the AIFM ) solely in order
The missing rung: London s housing squeeze KATIE EVANS AND BEN RICHARDS April 2016 THE HOUSING AFFORDABILITY GAP We all know that life in the capital is expensive. Generally, wages are higher in the capital
Q4 Quarterly Update January 2014 Lothbury Property Trust Review of 2013 Investment Management Overview Lothbury Property Trust Fund Description Lothbury is an offshore Trust investing in UK real estate.
EASTSPRING INVESTMENTS ASIA INVESTOR BEHAVIOUR STUDY 2015 INDONESIA October 2015 eastspring.co.id 2 Asia Investor Behaviour Study 2015 - Indonesia Asia Investor Behaviour Study 2015 - Indonesia CONTENTS
The Customer Journey of International students in the UK Summary of research among new IHE students in the UK prepared for The British Council, the GREAT Britain campaign and participating HEIs Objectives
Licensed Premises Warmington Oundle A licensed, former club premises available immediately. Located within a well serviced and attractive village just off the A605. Includes owner s three bedroom accommodation.
riba book ok shops distrib ution service ops RIBA Bookshops Distribution Service Marketing Book promotions in print/online, working relationships with key reviewers and media contacts Purchasing Publisher
TO LET Modern Office Suites in comprehensively refurbished building 62 Brandon Parade Holly Walk, Leamington Spa, CV32 4JE First floor - 1,260 sq ft (117.05 sq m) Second Floor 1,500 sq ft (139.35 sq m)
1 Brewhouse Yard, St John Street, London EC1 Single Let Office Investment 2 Investment Summary Long leasehold with a share of the Freehold. Prime Clerkenwell location situated approximately five minutes
advantedge Services SAGlobal advantedge Microsoft Dynamics AX Services for ISVs, VARs and existing AX users Africa Asia-Pac Europe North America South America About SAGlobal SAGlobal is the largest specialist
BESPOKE Inheritance Service Reduce your liability to inheritance tax using Business Property Relief February 2014 Rockpool is an independent firm dedicated to creating tax-efficient investment opportunities
Fuel your future If universities are engines that produce the future, then innovation and entrepreneurship are the fuel mix for that engine. Lord Victor Adebowale CBE MCIH Chancellor, University of Lincoln
Gaffney, South Carolina, USA LEFT BRAND NEW FULLY REFURBISHED STUDENT APARTMENTS Introducing Chandler Oaks Chandler Oaks is a collection of fully refurbished 1 and 2 bedroom apartments located in the city
Ref: 1218 D1 FORMER COLLEGE PREMISES TO LET 178, GOSWELL ROAD, LONDON EC1V 7DT APPROX GROSS AREA 5010 SQ FT APPROX NET AREA 3434 SQ FT Location: Description: Situated on Goswell Road (A1) between Lever
OVER 60% NOW LET LOCATED BETWEEN LIVERPOOL ONE & THE ROPEWALKS RETAIL & LEISURE SPACE FROM 1,262 SQ FT New 198 bed Premier Inn Hotel Double height units Available end of 2012 7 new retail & leisure units
LIVERPOOL COMMERCIAL OFFICE MARKET REVIEW 2013 WATERLOO NORTH LIVERPOOL BOOTLE CITY FRINGE KNOWSLEY ST HELENS CITY CENTRE RIVER MERSEY WAVERTREE LIVERPOOL CITY REGION MAP SOUTH LIVERPOOL SUMMARY Combining
E-learning Welcome to Sheffield The UK s most business friendly city E-learning Sheffield is increasingly being seen nationally and internationally as one of the most business friendly cities in the UK,
... Understanding Managed Funds Contact us If you would like to know more about how AMP Capital can help you, please visit ampcapital.com.au, or contact one of the following: Financial Planners Personal
Help to Buy Buyers Guide Homes and Communities Agency http://www.homesandcommunities.co.uk/helptobuy August 2014 What is Help to Buy? Help to Buy is equity loan assistance to home buyers from the Homes
Open Day Programme Rochester - Saturday 6 June 2015 1 2 WE CREATE EXTRAORDINARY WELCOME Welcome to our Rochester campus Open Day. Rochester houses a range of subjects and specialisms, including Animation,
A Guide to Buy to Let Get in to Buy to Let Buying property to let as a long-term investment or to generate a regular income has become an increasingly popular option over recent years, and the demand from
Sit back and let us take care of everything A guide to Buy-To-Let and Property Management Services from Jackson-Stops & Staff The buy-to-let basics With so many different schemes and purchasing options
Wealth Management Education Series How can we help you further? Do you have a question on what you have just read? Would you like to have a further discussion on this subject? Contact your Relationship
Corporate Solutions from the specialists in flexible offices Instant were exactly what we needed for this project, as they know the serviced office market back to front and were able to guide us through
OUR TRACK RECORD UK Property Services Specialist Property INVESTMENT KNIGHT FRANK 3 SPECIALIST PROPERTY INVESTMENT WELCOME Knight Frank has positioned itself at the forefront of the specialist property
Investment Bond Funds key features. This is an important document. Please keep it safe for future reference. 2 WHAT ARE THE FUNDS KEY FEATURES? This document is part of the information we provide you to
A Guide to Property Investment Options Background The UK property market is still in favour with both UK and International investors, with London being targeted in particular. Annual investment in UK property
Knightsbridge SW1 ONE HYDE PARK The Ultimate pied-à-terre An exceptional one bedroom apartment which due to its style and size is the finest of its kind in the building. The apartment was interior designed
Holiday Inn Express London Stansted Airport christiecorporate.com An opportunity to acquire this award winning Holiday Inn Express with close links to London Stansted Airport. This 254-bedroom hotel was
global wealth manager the loyalty plan contents About Friends Provident International 3 Introduction 4 How international investing can help you 4 An investment that makes the most of international opportunities
Executive Summary Pangani Real Estate Services Limited, a subsidiary of the Pangani Group, was established in 2013 with the aim of bringing world class property services and solutions to Tanzania and the
WE NDERSTAND Development Finance Asset Finance Bridging Finance Case Files WE NDERSTAND Asset, Bridging and Development Finance Welcome to United Trust Bank United Trust Bank provides a wide range of secured
FREEHOLD INVESTMENT/DEVELOPMENT OPPORTUNITY 12-27 SWAN YARD HIGHBURY CORNER, LONDON, N1 INVESTMENT/DEVELOPMENT SUMMARY UNIQUE CONTEMPORARY OFFICE BUILDING FOR SALE EXCELLENT LOCATION IN THE HEART OF ISLINGTON