prosperity house - rightmove

HOUSEPROSPERITY

UK

2 3Prosperity House Derbyshire Prosperity House Derbyshire

CONTENTS KEY FEATURES3. Product key features

4. Welcome to Prosperity

5. We make property affordable

6. Prosperity House, Derbyshire

8. Location

9. Letourfiguresdothetalking

10. Amenities

12. Choose your affordable payment plan

15. Rental Assurance Plan

16. Floor plans & plot options

30.TheBiggerPicture

32. Kitchen&bathroomspecifications

34. Recent Prosperity developments

36.WhyinvestthroughProsperity

37. Testimonials

38.Purchasingapropertythrough pension drawdowns

What makes Prosperity different?

The discounts we show are real; theyare proven by what is selling locally

so we are confident, passionate even,that our prices cannot be beaten – weguarantee you will not find the same

value for money and specificationlevel elsewhere.

Our product comes with a rental assurance, so you never need to worry

about rental voids.

Discounted Property– Guaranteed.

RentalAssurance

Our payment plans are designed to suit all of our clients’ current

circumstances. Deposits can be paid across the build period, eliminating

lump sum requirements.

We take care of every aspect of your purchase, from property

selection, management and updates throughout the build period,

mortgage arrangement and full rental management.

Unique Payment Plans

Truly Hands Off Investing

Owning the underlying property yet enjoying the convenience of paying

in a way suited to you, offers valued reassurance that your money is safely tied into an income producing asset of

which you have full control.

With offices in the UK, Dubai, Hong Kong and Malaysia, our team have raised the bar in offering clients the very highest standards of service – reliable, efficient and hassle-free.

We’re proud to work with people whobuy-in to our passion for property,

recognising its unrivalled position as aprime investment source.

Direct PropertyInvestment

Personal ClientExperience


WELCOME TO PROSPERITY

WE MAKE PROPERTYAFFORDABLE

Our product allows the opportunity to purchase prime UK stock at discounted property fund prices, utilising a range of specially devised payment plans. Each plan is designed to suit both our clients’ current financial circumstances and future long term income requirements, making it ideal for

• Investors with limited lump sum allowance due to capital tied up in other investments

• First time buyers who’d otherwise stand little chance of acquiring the level of deposit that today’s property market requires • Investors wishing to acquire second properties

• Over 55s wishing to keep tax payments low as part of the revised UK pension rules

All Prosperity properties come with protection in the form of a rental assurance plan, offering a safeguard against any unforeseen rental issues. Owning the underlying property yet enjoying the convenience of paying in a way suited to you, offers valued reassurance that your money is safely tied into an income producing asset of which you have full control.

Ours is not a collective investment, yet still offers the benefits of a totally hands-off approach. Right from the word go; from reservation, through the build period and on to rental management- the whole process is overseen by our team of specialists. Just one of the reasons why on average, 56% of our clients go on to purchase a second property with us within 2 years.

As well as introducing our product and presenting some of our recent developments, this brochure also sets out to demonstrate the benefits of UK property by offering detailed explanations and clear comparisons against alternative asset classes. Our goal is to prove the unrivalled benefits of UK property as a long-term income stream. As it continues to prove itself as a safe, profitable asset class, the message is clear; smart, long term investors continue to reap the rewards of property.

As income through property specialists, we are passionate about providing affordable UK property as a long-term investment tool. Offering the only monthly property payment plan on the market, we’re able to welcome a far wider reaching investor audience, who buy-in to our belief that this tangible, bricks and mortar asset should form part of every investors spread of investments.


PROSPERITY HOUSE, DERBYSHIRE

• Highspecificationoneandtwo bedroom apartments

• Pricesstartingfrom£1222permonth x 24 payments (+reservation fees)

• Allapartmentsenjoyanabundanceof naturallightandcitycentreviews

• Yieldsofover7%

• Strongcapitalappreciationpredictions

• WalkingdistancetoIntu ShoppingCentre

• Walkingdistancetocentral business district

• Frequenttrainsdirectto LondonSt.Pancras-1hr28mins

• WalkingdistancetoTGIFriday’s, PizzaExpress,Wagamamaand manyofthecity’sbestrestaurants

• WalkingdistancetoShowcase Cinema de Lux and many of thecity’sprimeleisurefacilities

• Excellentschoolsandcollegesin the local area

OVERVIEW

ProposedStreetView

Proposed Rear view

Located conveniently in Derby city centre, Prosperity House will comprise 147 one and two-bed apartments across two phases.

All homes will offer contemporary open plan living and dining space with oversized windows (where possible) ensuring maximum natural light. With hard wood veneer floors and stainless steel sockets throughout, these high grade specifications combined with custom built kitchens, integral appliances and stylish bathroom designs come as standard for Prosperity clients, offering a home with style, luxury and comfort. A range of first-class amenities can be found within walking distance to the development, including the hugely popular Intu Shopping Mall (formerly known as Westfield Shopping Centre.) The more traditional market square and sophisticated cobbled streets of Friar Gate and Iron Gate are also just a few minutes’ walk, within the vibrant Cathedral Quarter. This occupies an eclectic mix of cafes, coffee shops and independent boutiques. Proud of its cultural diversity, the city also offers a wide array of cuisines from all over the world, served out of a selection of highly regarded restaurants and bistros. As England’s most central city, Derby boasts a series of high grade transport systems. Its rail network offers direct services to a number of destinations

including London, Nottingham, Birmingham, Sheffield, Newcastle and Cardiff, with the addition of several mainline bus operators servicing the whole of the city and out to neighbouring areas. The development is located close to the Derby ring road allowing onward access by car to the A38, A52 and A50 trunk roads, and in turn the motorway networks. Just 10 miles away, East Midlands Airport is one of the fastest growing airports in the UK, offering over 95 direct flights worldwide. Internationally recognised as a transport manufacturing powerhouse, Derby is home to a number of manufacturing giants including Rolls Royce - the world’s second largest aero-engine manufacturer, and Toyota’s UK manufacturing headquarters, located just south of the city.

Iron Gate, Cathedral Quarter


LOCATION DERBYSHIREAs the UK’s most central city, Derby’s strategic location has earned it a place in the ‘Top 25 European Cities Overall’, alongside major cities such as London (1st) Berlin (8th) and Paris (16th.) It was one of only 8 UK cities to make the list. Significant regeneration, close proximity to Nottingham and a thriving social and cultural scene all make it a key contender for students, commuters and young families - all migrating to a region offering entertainment, culture, great shopping and highly regarded secondary and grammar schools.

The University of Derby continues to rise through the Times Good University Guide ranks, offering over 300 study programmes at undergraduate level. Just 12 miles from our Prosperity House development lies the vibrant, cosmopolitan city of Nottingham. Its world famous University of Nottingham has recently been described as ‘the nearest Britain has to a truly global university’ with campuses in the UK, China and Malaysia, allowing it a global academic community in all three countries. Its compact city centre, pedestrianised streets and tram system pave the way for some of the best shopping in the UK, along with an array of quality bars and restaurants, stunning architecture and historic landmarks, and a far reaching cultural calendar. Combining a robust transport infrastructure, a thriving social and cultural scene across both Derby and Nottingham, and a vast array of amenities capturing a historical and local feel, it’s no surprise that this area continues to rise in popularity as the destination of choice for families, professionals and University students.

University of Nottingham

Derby Festival

Nottingham City Centre

Derby’s strategic location is gaining the attention of investors on a global scale. Describing itself as the UK Capital for Innovation, Derby showcased its offering at MIPIM 2014, where sealing its position as a leading European ‘city of the future’ its accolades included:

Top 25 European City of the Future Top 10 UK & Ireland City of the Future Top 10 Small European City of the Future

Local market sales and rental values for new build properties in the area are currently achieving an average of £258.00 per sq. ft. This figure is generated based on evidence from certified valuations of at least four comparable properties within a one mile radius of Prosperity House. Our development is available to Prosperity clients, after discount, at values averaging £217.00 per sq. ft. – a minimum saving of over 15%. Whichever local property you choose to compare against the values presented for Prosperity House, we guarantee you will not find the same value for money. The discounts we show are real; they are proven by what is selling locally so we are confident, passionate even, that our prices cannot be beaten.

OPTION 1 The Monthly and Mortgage plan

Purchase price:

Twobedroomapartmentwithparking-£118,996

Reserveyourpropertywith£3569, plus£500legalfees

There are now only 24 payments of£1488tobepaid

Thiscreatesa30%depositwitha

70%mortgagearrangedoncompletion

Themortgageisthencoveredby rental income from completion

Youownanincomeproducingassetforlife.

LETOURFIGURESDO THE TALKING

Local market sales and rental values

RESEARCH THEVALUE IN OUR PRICESFOR YOURSELF AT THE

UK’s LARGEST PROPERTYFOR SALE WEBSITE:

www.rightmove.co.uk

Derby QUAD

10 Prosperity House Derbyshire 11Prosperity House Derbyshire

Draycott Community Primary School Hopwell Road, Draycott Derbyshire DE72 3NH

Ashton-On-Trent Primary School Long Croft, Aston-on-Trent Derby DE72 2UH

Melbourne Junior School Pack Horse Road, Derby DE73 8JE

Ockbrock Independent Secondary Day and Boarding School The Settlement, Ockbrook Derby DE72 3RJ

The Long Eaton School Thoresby Road, Long Eaton Nottingham NG10 3NP

Wilsthorpe Community School Derby Road, Long Eaton Nottingham NG10 4WT

Trent College Derby Road, Long Eaton Nottingham NG10 4AD

Froesland School Nursery Avenue, Sandiacre Nottingham NG10 5AF

Derby Theatre Theatre Walk, Eagle Centre Derby DE1 2NF Nottingham Contemporary Weekday Cross, Nottingham Nottinghamshire County NG1 2GB Arts Council England St Nicholas Court, 25-27 Castle Gate, Nottingham NG1 7AR

Joseph Wright Gallery The Strand, Derby DE1 1BS

Pickford’s House 41 Friar Gate, Derby DE1 1DA

The Silk Mill Silk Mill Lane, Derby DE1 3AF

Galleries of Justice Lace Museum The Lace Market, High Pavement, Nottingham NG1 1HN

Chatsworth House Chatsworth, Bakewell Derbyshire DE45 1PP Chatsworth House Chatsworth, Bakewell Derbyshire DE45 1PP Crich Tramway Village and Museum Matlock, Derbyshire DE4 5DP Theatre Royal Nottingham Theatre Square, Nottingham NG1 5ND

University of Nottingham University Park, Nottingham NG7 2RD

Nottingham Trent University Burton Street, Nottingham NG1 4BU New College Nottingham Bath Street, Nottingham NG1 1DA

City College Nottingham Carlton Road, Nottingham NG3 2NR

Body Matters 17 Victoria Avenue, Derby DE72 3HE

Stephen Paul Hair 5 The Green, Breaston Derby DE72 3DU Virgin Active Derbyshire County Cricket Club, Nottingham Road, Derby DE21 6DA Ladies Fitness 101 Derby Road, Nottingham NG9 7AR

Queens Medical Centre Derby Road, Nottingham NG7 2UH

Borrowash Dental Centre 23 Victoria Avenue, Borrowash Derby DE72 3HE Westfield Shopping Mall West Mall, Derby DE1 2PQ

White House Childrens’ Nursery 164 Derby Road, Borrowash Derby DE72 3HB Shardlow Village Hall The Wharf, Shardlow, Derby DE72 2WE

The Royal Oak Green Lane, Derby DE72 3SE

Bull’s Head 1 Wilsthorpe Rd, Breaston Derby DE72 3EA The Shakespeare Inn 117 London Road, Shardlow Derby DE72 2GP The Coopers Arms Weston Hall, The Green Derby DE72 2BJ

The Malt Shovel Inn 49 The Wharf, Shardlow, Derby DE72 2HG

Zizzi 16 Friar Gate, Derby DE1 1BX Le Bistrot Pierre 18 Friargate, Derby DE1 1BX

Mamas Masala Kitchen Aspen Drive, Derby DE21 7SG Four Seasons Victoria Avenue, Borrowash Derby DE72 3HE

Stresa Restaurant Derby Riverlights, Morledge Derby DE1 2AY

Graze Restaurant 11-12 Friar Gate, Derby DE1 1BU Mansion Wine Bar & Restaurant 6-7 Midland Road, Derby DE1 2SN Opulence Restaurant Cathedral Quarter Hotel 16 St Mary’s Gate, Derby DE1 3JR

SCHOOLS THEARTS

UNIVERSITIES&COLLEGES

PUBS&RESTAURANTS

LOCAL AMENITIES

AMENITIES

The Coopers Arms

Derby Theatre

NottinghamTrentUniversity

Le Bistrot Pierre

JosephWrightGalleryLongEatonSchool

StephenPaulHair

Mansion WIne Bar & Restaurant

TheSilkMillTrentCollege

WestfieldShoppingMall


CHOOSE YOUR AFFORDABLE PAYMENT PLAN

Our payment structures are unique to the market, each plan designed to ensure clients own the underlying property, yet have the convenience of paying for their investment in a way that suits them. Particularly suited to investors wishing to acquire second properties for children or family members, our short term payment plans mean you can receive the rental income against the property until such a point it is required to be passed on – one of the reasons why 56% of our clients go on to purchase a second property after 2 years. See how our Prosperity House development can be purchased across the following examples.

Let’slookathowatwobedroomproperty at Prosperity House canbepurchasedusingoneofourpayment plans...

The Monthly and Mortgage PlanOPTION 1

Pay a 3% reservation fee (minimum of £3000) plus £500 legal fees. Your 30% deposit is then divided by the number of build term months and paid on a monthly basis.

Thisoptionisperfectlysuitedtoclientswithoutlargelumpsumsaccessibleorthosewho’dprefertokeepexistinginvestmentswheretheyare.Paymentsaremadeacrossanaveragebuildtermof24months.

SUMMARY GBP PurchasePrice £118,996.00

Reservation and Exchange OPTION 1 - ‘Monthly and Mortgage Plan’ Prosperitytransactionfee3%(minimum£3000) £3,569.88 LegalFees(50%of+disbursements) £500.00 Reservation/Exchangestagetotaldue £4,069.88

30% monthly payment stage £35,698.80 30%depositdividedby24monthsbuildschedule £1,487.45

Completion Stage 70%ofpurchasepricebywayofmortgage £83,297.20 Mortgagearrangementfee(1%estimated) £1,189.96 LegalFees(50%balanceof+disbursements)estimated £500.00 Amountdueatcompletionstage £1,689.96

Income EstimatedGrossRentalIncome Permonth£700.00/Perannum£8,400.00 EstimatedGrossRentalYieldbasedonabove 7.06%

Expenses ServiceCharge(estimated) £900.00 GroundRent(estimated) £150.00 TenantManagementFees@8%+vat £806.40 TotalExpenses Permonth£154.70/Perannum£1,856.40

Income net of expenses subject to mortgage Per month £545.30 / Per annum £6,543.60

Mortgage Information Mortgage(interestonly) Permonth£298.48/Perannum£3,581.78 Mortgage(repayment19years) Permonth£542.07/Perannum£6,504.80 Mortgage(repayment25years) Permonth£458.53/Perannum£5,502.42 NetcashflowonInterestOnlybasis Permonth£246.82/Perannum£2,961.82 Netcashflowonrepaymentbasis-19yearterm Permonth£3.23/Perannum£38.80 Netcashflowonrepaymentbasis-25yearterm Permonth£86.77/Perannum£1041.18

ASSUMPTIONS MortgageAmount70.00%MortgageRate(pa)4.30%LoanTerm(19&25years)

–applicableonlytoUKresidentsutilisingpensiondrawdownstofundpurchase.PropertyPurchasePrice: £118,996*Depositrequired: £35,699-tobefundedover24monthsAmountavailableascash: £15,000-withdrawntaxfreeBalancerequired £20,699-tobetakenasincomeover2UKfiscalyearsTaxpayable £4,139.80

PropertyvaluediscountpurchasingthroughProsperity;£20,999,basedonlocalcomparableproperty Assumptions; *Figuresdonotincludepurchasefeesandlegalcosts **BasedonaPensionpotamountof£60,000/Personsincomenetof20%taxisminimum£22,000tomaximum£31,785pa

Pension drawdown tax calculator


The Lump SumPurchase PlanOPTION 2

Pay 8 payments of 12.5% across a scheduled two year period. Aninnovative,’fullyassetbackedsavingsplan’thatpresentsanappealingalternativetoatraditionalsavingsplan.Across8scheduledlumpsumpayments, clients acquire the property where at the 24thmonth,theyhavethechoicebetweenkeepingholdofthepropertyandreceivingtherentalincome,orsellingthepropertyon.BothoptionsarehandledbyProsperity,wherestilltheclientbenefitedfromthedisciplineofthesavingplanmodel.

Asasavingsplanforthesaleoptionit’sagreatwayto access UK property directly over the next two yearsandselloncompletion-gainingthediscountedpurchase equity plus capital appreciation combined with funds invested. Or the client can take income in the usual way.

For property investors keen to trade property yet remainatarm’slengthfromtheprocess,thisoptionpresentsagreatalternative.Similarly,thosewishingtoreceivetherentalincomecanenjoyafulllettingandmanagementserviceaspartofthisplan.

SUMMARY GBP PurchasePrice £118,996.00

Reservation and Exchange OPTION 2 - ‘Lump Sum Purchase Plan’ Prosperitytransactionfee3%(minimum£3000) £3,569.88 LegalFees(50%of+disbursements) £500.00 Reservation/Exchangestagetotaldue £4,069.88

Payment Stages 1StageQ1 12.5% £14,874.50 5StageQ5 12.5% £14,874.50 2StageQ2 12.5% £14,874.50 6StageQ6 12.5% £14,874.50 3StageQ3 12.5% £14,874.50 7StageQ7 12.5% £14,874.50 4StageQ4 12.5% £14,874.50 8StageQ8 12.5% £14,874.50

Completion Stage LegalFees(50%)of+disbursements) £500.00 AmountDueatCompletionStage £500.00

Income EstimatedGrossRentalIncome Permonth£700.00/Perannum£8,400.00 EstimatedGrossRentalYieldbasedonabove 7.06%

Expenses ServiceCharge(estimated) £900.00 GroundRent(estimated) £150.00 TenantManagementFees@8%+vat £806.40 TotalExpenses Permonth£154.70/Perannum£1,856.40

Income net of expenses Per month £545.30 / Per annum £6,543.60

–applicableonlytoUKresidentsutilisingpensiondrawdownstofundpurchase.PropertyPurchasePrice: £118,996*Depositrequired: £35,699-tobefundedover24monthsAmountavailableascash: £15,000-withdrawntaxfreeBalancerequired £103,699-tobetakenasincomeover2UKfiscalyearsTaxpayable £20,799.00

PropertyvaluediscountpurchasingthroughProsperity;£20,999,basedonlocalcomparableproperty Assumptions; *Figuresdonotincludepurchasefeesandlegalcosts **BasedonaPensionpotamountof£60,000/Personsincomenetof20%taxisminimum£22,000tomaximum£31,785pa

Pension drawdown tax calculator

Who is offering my rental assurance?

Usingatypicaltwo bedroom Prosperity development, this table has been created to show the cost differences between LetMe and a traditional lettingsagent:

Prosperity is excited to be working with leading financial f irm, The Richmond Group (TRG) on a deal we believe is set to revolutionise the lettings industry. All Prosperity clients now have the option to receive an agreed 12 month rental fee in advance, across a 5 year renewable period.

LetMe, property arm of TRG’s £180 million business will pay 12 months rent to you on the day LetMe receive the keys - with no fees and a written guarantee on the property’s return condition. Further strengthening Prosperity’s existing benefits this fast, efficient rental guarantee is ideally suited to those would-be-landlords who’ve previously been deterred by the threat of loss of income through rental voids or disputes.

Rental levels have been agreed across all of Prosperity’s current developments with the agreed rental amount paid upfront.

Key benefits : No tenant sourcing fees No management fees No rental voids No maintenance fees

. .and a written guarantee on the return condition of the property.

All monies are underwritten by the Richmond Group . With net assets of over £180 million, this offers clients excellent covenant strength.

“Having successfully let my property with Richmond Group I would definitely recommend their service to other landlords. The transaction

was straightforward, communications excellent and payment was prompt. I will certainly consider them again in the future.”

- Hugh Lambourne

RENTAL ASSURANCE

5 yearpre-paid

rental guarantee

Empty (void) periods

Agencylettingcommission

Agencymanagementfees

VAT

Arrears

TOTAL CASHTO YOU

-£480

-£400

-£960

-£272

-£160

£7,328OVER12MONTHS

£7,680FULLCASH

PAYMENT UPFRONT

£0

£0

£0

£0

£0

Traditional Letting Agent

Agreedrental rate based on local market

LetMe

Agreedrental rate based on local market

Withastrongerfinancialbackingthantraditional lettingagents,LetMecan

passsavingsontoourclientsbypayingmoreoverallfor

eachpropertyandpayingitinadvance.


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INCOME PRODUCED IN RETIREMENT BASEDON£25,000INVESTMENT

THE BIGGER PICTUREIncreasing life expectancies, faltering annuities and a huge deficit have forced the UK Government into revolutionising the UK pension system, introducing the radical free spending we’re about to witness. Studies already underway have revealed that almost 20% of those pensioners cashing in their pensions will use the money to fund a property purchase. (Ipsos Mori research)Since the birth of the buy-to-let mortgage 18 years ago, the average returns produced from a buy-to-let investments have significantly outstripped those of other major asset classes.

Additionally, UK landlords are benefiting from falling mortgage charges and longer fixed rate deals, as competition between mortgage lenders hots up. Our product is perfectly positioned to capitalise on this, delivering secure long term investment, eliminating risk with the reassurance of a tangible asset. By comparing property to the other most popular investment and savings plans, it’s clear to see the added value and security it brings to a traditional savings plan. Take a look for yourself. .

This graph compares the level of income generated by the five main pension investment classes. In this example, UK property is represented by a one bedroom unit at our recently allocated Orton Plaza development. Based on a capital investment of £25,000, it clearly produces

the highest level of income compared to all of the other investment classes. Based on exactly the same level of investment by the client,with an annual income of £7,150, Orton Plaza produces £5,893 per year more income than the next best alternative, the UK pension.

INVESTMENTCAPITALREQUIREDTO PRODUCE£25,000OFINCOME

*returnsexcludefeesandcharges,informationprovidedbyBloomberg

This graph compares the typical amount of investment required in order to generate £25,000 of income per year, across the 5 main pension investment classes. With UK property represented by a standard one bedroom unit

at our Orton Plaza development, this example clearly highlights the staggering difference in investment required by all of the other classes in comparison, only to produce exactly the same amount of income per year.


Imageindicativeofaonebedroomapartment

KITCHEN SPECIFICATIONSFixtures and Fittings Schedule

OVEN

CUPBOARDS

FRIDGE / FREEZER

RANGE HOOD

SPLASHBACK

ONE&HALFSINK

COOKER TOP

SINKMIXER WORKTOP

Imageindicativeofbathroomin2bedapartment

BATHROOM SPECIFICATIONSFixtures and Fittings Schedule

BASIN

BASINMIXER

VANITY UNIT

LIGHTING

TOILET

SHOWERSHELF

SHOWERROSE

TOWEL RAIL

*Insomecasesalternativeequivalentgradeandspecificationitemswillbeused.


RECENT DEVELOPMENTS

Town Gate Market Deeping, England

Orton Plaza Peterborough, England

St. Pauls Place Birmingham, England

JQ1 Newhall Street Birmingham, England

Residential apartments within the charming market town of Market Deeping - The area also has a wide range of amenities, making it an ideal base for local professionals, commuters and families.

Fully Sold Out, build complete June 2015 - a mixed use development including leisure, retail,commercial and residential space.

A fine example of city living in the heart of Birmingham’s Jewellery Qtr - Ideally located to attract the rapidly rising number or professionals, young couples and students choosing Birmingham to live and work

Fully Sold and Completed - a mixed use scheme within walking distance to the city’s business district and central shopping areas.

TYPE: Residential;build-worksympathetictolocalarea

LOCATION: Lincolnshire,England

NO OF UNITS: 33

GUIDE PRICES AT POINT OF SALE: £88,155-£129,145

PREDICTED YIELD AT POINT OF SALE: 7.09%

PREDICTED MORTGAGE TERMS BASED ON RENTAL INCOME: 15-16years

DELIVERIES FROM SUMMER 2016THE NUMBERS: NewbuildaptsinthelocalareaachievinganaverageofGBP£214persq.ft.-basedoncertifiedvaluations of at least four comparible properties within a two mile radius of the development. Town Gate is availableatpurchasepricesaveragingGBP£179persq.ft.-minimumsavingofGBP£35.00persq.ft.againstopenmarketvalues,offeringProsperityclientsadiscountofover16%.

TYPE: Mixed use residential, retail, leisure and commercial designedoverthreestoreysaroundacentralcourtyard

LOCATION: Peterborough,England

NO OF UNITS: 61

SALE PRICES: £61,995-£84,995



DELIVERIES FROM SUMMER 2015THE NUMBERS: Local new build apartments within a mile radiusofOrtonPlazaareachievingonaverage£206.00per sq. ft. (based on comparable evidence with Orton Plaza).Investorpurchasepricessatfirmlybelowthisfigureasafterdiscount,our£persq.ft.pricesequalanaverageof£115.00-asavingofover£90.00persq.ft.

TYPE: Three phase residential scheme

LOCATION: BirminghamCityCentre

NO OF UNITS: 148APARTMENTS -mixofone,twoandthreebedroom



FULLY COMPLETEDFULLY OCCUPIED:Allrentalunitswithinthescheme100%fully tenented,thebalancebeingdeveloper’s units for open market sales

RESALE VALUATIONS ACTUAL: £125,000

YIELD ACHIEVED ACTUAL: 7.4%

TYPE: Mixeduseresidentialandcommercialofficescheme

LOCATION: BirminghamCityCentre

NO OF UNITS: 52APARTMENTS-mixofone,twoandthree bedroom



FULLY OCCUPIED:Residential-100%tenantedCommercial-fulloccupationTurn90 (data supply company)ClaremontCapital(wealthmanagementcompany)MaguireJackson(propertymanagement)CGstorage(archivestorageandmanagement)

RESALE VALUATIONS ACTUAL: £125,000 YIELD ACHIEVED ACTUAL: 7.2%

The Pinnacle Southend, England

New Priestgate House Peterborough, England

St Georges Birmingham, England

Beckett House Derby, England

Victoria Mill Draycott, Derbyshire, England

Fully Sold Out, Construction Underway - a mixed use development including commercial and residential space.



13 one and two bedroomed city centre apartments - Fully Sold Out, Construction Underway

A stylish conversion development just 12 miles from Nottingham- Fully Sold Out, Construction Underway

TYPE: Mixed use residential

LOCATION: Southend,England

NO OF UNITS: 60

SALE PRICES: £147,995-£167,995


PREDICTED MORTGAGE TERMS BASED ON RENTAL INCOME: 16 years

DELIVERIES FROM LATE 2016THE NUMBERS: NewbuildapartmentsinSouthendareachievinganaverageof£259.00persq.ft.ThePinnacle,was available to Prosperity clients, after discount, at values averaging£220.00persq.ft.–aminimumsavingofover15%.

TYPE: 5 storey residential conversion

LOCATION: Peterborough,England

NO OF UNITS: 36

SALE PRICES: £132,995–£189,995



DELIVERIES FROM SUMMER 2016THE NUMBERS: NewbuildapartmentsinPeterboroughareachievinganaverageof£255.00persq.ft.PriestgateHouse,wasavailabletoProsperityclients,afterdiscount,atvaluesaveraging£224.00persq.ft.–aminimumsavingofover10%.

TYPE: Self-contained,moderndevelopmentcomprisingamixofoneandtwo-bedroomapartments,setacrossthreestoreys,surroundingaspaciouscourtyard.

LOCATION: Birmingham,England

NO OF UNITS: 24

SALE PRICES: £107,200-£198,950

PREDICTED YIELD AT POINT OF SALE: 8%


DELIVERIES FROM LATE 2015THE NUMBERS: New build apartments within the city centre ofBirminghamareachievinganaveragefigureof£254.00persq.ft.basedonevidencefromcertifiedvaluationsofatleast four comparable properties within a one mile radius of StGeorges.StGeorges,BirminghamisavailabletoProsperityclients,afterdiscount,atpurchasepricesaveraging£200.00persq.ft.-aminimumsavingofcirca20%

TYPE: Residential conversion

LOCATION: Derby City Centre

NO OF UNITS: 13




DELIVERIES FROM SPRING 2016THE NUMBERS: New build apartments within the city centreofDerbyareachievinganaveragefigureof£183.00persq.ft.basedonevidencefromcertifiedvaluationsof at least four comparable properties within a one mile radius of Beckett House. Beckett House, Derby is available to Prosperity clients, after discount, at purchase prices averaging£154.00persq.ft.-aminimumsavingofcirca15%

TYPE: Residential conversion

LOCATION: Derbyshire,England

NO OF UNITS: 53




DELIVERIES FROM SPRING 2016THE NUMBERS: New build apartments within the area areachievinganaveragefigureof£217persq.ft.,basedoncertifiedvaluationsofcomparableswithinaonemile radius. Victoria Mill is available after discount, at a purchasepriceaveraging£187persq.ft.-aminimumsavingofcirca13%.


WHY INVEST THROUGH PROSPERITYWHAT’SINITFORME?

PROSPERITY ‘DO’ SUPPLY

Totally standard UK properties in desirable owner occupierlocations,fullymanagedandprovidingthebestyieldswithcapitalappreciationoverthelongterm. UKpropertyatinstitutionalpricesi.e.accessingindividualdiscountedpropertyatfundmanagerprices. Deposits payable monthly over two years with no lump sumrequired-theonlypropertypensionplanofthistype on the market today.

Abletointroduce100%recommendedFCAregulatedadvisorsfornon-biasedpensionanddrawdownadviceinrelationtoproperty–orifpreferred,we’rehappytoworkwithyourcurrentfinancialadvisor.

Acompletehands-offpropertyinvestment,aswearegeareduptomanagethewholeprocessfromstarttofinishandpostcompletion.

Mortgages,100%coveredbyanFCAregulatedrentalassurance plans from completion.

Highyieldsof8%+

Propertiesstartingfromjust24paymentsof£1033.00with the opportunity to pay off property fully in thirteen years(onaverage)throughrentalincome.

StudentaccommodationHotel apartmentsAny kind of collective investment or fund.

3

3

3

3

3

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3

3

7

TESTIMONIALS

In the period leading up to my purchase, Prosperity provided me with a whole host of information about the UK property market. This enabled me to make a more informed

decision as to whether it would meet my financial objectives. I’m pleased to say it has, and I would certainly recommend Prosperity to other people looking to incorporate

UK property into their financial portfolios.Mike Burnage -ChairmanAcademyofChiefExecutives

“

”

I required lots of detailed information in order to make my decision - all of which I received in a concise and accurate manner. Completion went very smoothly as did letting management. I have recommended Prosperity’s services to other sporting

professionals within my organisation.Cyrille Regis -MBE

“

”

I always enjoy working with Prosperity. From a time management point of view, the fact that all cost and letting management issues are organised as part of the package

is a major bonus for me. I’ve bought numerous properties from Prosperity, and shall continue to do so.

Simon Browne -LogisticsDirector,GSK

“

”

As a person who has lived and worked abroad extensively, I have contributed to several pension schemes. I was recommended to Joe Billingham for his knowledge in the industry, to gain his

advice in consolidating my various pensions into property. Joe lives up to his reputation in the UK property industry and following a series of property acquisitions, both commercial and

residential, I feel confident and assured that this income producing asset was the right decision for my pension. I have no hesitation in recommending Joe as a knowledgeable, passionate

advisor who gives his clients an individual service.Meino Meines -HeadofDutchStreamPanagaschool,Brunei

“

”

PROSPERITY ‘DO NOT’ SUPPLY


PURCHASING A PROPERTY THROUGH PENSION DRAWDOWNS

At present, over 80% of the lenders on our mortgage panel accept applications from borrowers who will be 75 or younger when their mortgage is due to end. 40% will take applications up to the age of 80yrs, and just over 25% up to the age of 85yrs. With the lower end of a typical buy-to- let mortgage term being around 5 years , and with a handful of lenders going even lower, you could theoretically be well into your retirement and still be able to take out a buy-to-let mortgage instead of using your pension to buy a property.

Since April 2015, the new measures now in place allow over-55s unencumbered access to their pension pots. These new provisions will allow individuals to access their savings and pay only the marginal tax rate that saw the majority of retirees previously purchasing an uncompetitive annuity. This change is one of the most radical reforms to the pensions sector in living memory, freeing up the

billions tucked away, currently earning very little return. One option for higher returns is to invest in buy-to-let property. As property for pension specialists, we only supply rental investment property, and only in the UK. We are geared up to manage the whole process from start to finish and have many years experience in providing ‘hands off’ buy to let options for our clients.

Buy to letinvestmentforover55’s

Raising Age Limits

YES

NO

YES

YES

YES

YES

Have you considered usingthese rules to pay foryour new property?

How much - do youwant to look at drawing

more in order to fundthe purchase of your

property?

Do you want tolook at drawing morein order to fund the

purchase of yourproperty?

Are you aware of thenew pension rules

giving greater flexibilityon how you draw moneyfrom your pension pot?

ARE YOUAGED 55

OR OVER?

YES NO

NO

NO

YESYES

YES

Do you have aUK Pension?

Are you aware of thenew pension rules giving

greater flexibility onhow you draw

money from yourpension pot?

Have you taken yourtax free cash?

Are you drawingany income?

Are you within a couple of yearsof being able to take benefits?

Talk to us about the ability to useyour pension to pay for your

investment propertyat completion

Would you like to havea conversation with anappropriately qualified

advisor in order toexplore this

option further?

Would you like to have a conversation with anappropriately qualified advisor in order

to explore this option further?

Are you drawingany income?

YES

For further information please contact City Centre Investments

E: [email protected]

www.citycentreinvestments.co.uk

Telephone 30 33 3001 888

CIBA Building,146 Hagley Road

Birmingham,United Kingdom,

B16 9NX

prosperity house - rightmove

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