Unit 4 Murraysgate Industrial Estate Whitburn EH47 0LE

United Kingdom

© 2019 by AP Investments

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ASAAD'S PROPERTIES INVESTMENTS 

Asaad’s Properties Investments Ltd (AP Ltd) works with venture capitalists to acquire undervalued properties, in need of development. Along with our experienced team of property professionals, we add significant value through a scope of premium redevelopment and refurbishment work.

Once complete, each property will either be passed onto our letting and management team to find the best tenants and generate a strong rental income, or is sold on the open market via a local estate agent for a smooth sale and profit.

This passive investment opportunity would suit anyone looking for the strong returns and stability that property investment can provide but without the hassle of finding the right property to buy, ongoing maintenance, or managing difficult tenants. With record-low interest rates in savings accounts and ever increasing inflation figures, money sat idle in the bank and even in ISA’s are losing value. Therefore this opportunity would suit even the risk averse investor.

WHY AP INVESTMENTS ?

PROVIDE FAMILIES WITH QUALITY HOMES
security against real estate
earn up to 10% return 
Working up to 10x harder than in a bank
Legally logged using a loan agreement
COMMERCIAL, RESIDENTIAL & DEVELOPMENTS

OUR STRATEGY 


1. The property will be bought in cash using the Private Investment Client’s funds and transacted using our experienced conveyancing solicitors. Included in the acquisition costs are stamp duty, legal fees (including searches) and in this case a sourcing fee to our local sourcing agent who will carry out all the negotiations on the property.

2. Once the property has been bought, the keys will be handed over to our experienced building team who will carry out all value add renovation works in order to get the property up to a premium standard for renting. This may include, but not limited to, new kitchen, bathroom suite, carpets and decoration on the inside and outside. Once the property is renovated and tenanted, we will then begin the mortgage application process. Due to mortgage lenders requiring us to have owned the property for at least 6 months prior to obtaining a mortgage, the typical time frame for completion is 7 months, with a buffer to account for underwriting procedures with mortgage lenders.

3. The mortgage loan allows us to repay the Private Investment Client their capital and interest. Should the mortgage not be enough to cover all the capital needed to repay the investor, AP Ltd will cover the shortfall with company funds or offer a long term investor a 0.5% monthly return on their capital which would be paid from the monthly cashflow profits.

YOUR INVESTMENT OPPORTUNITY 

With an ever increasing demand for good quality homes across the UK, combined with a huge short- fall in supply, there has never been a better time to leverage the huge potential of property to maximise your return on investment. By becoming one of AP’s valued Private Investment Clients you get all the financial benefits and security of property investment but with none of the hassle or risk. Whether you are a seasoned investor or a novice looking for their first investment opportunity, AP will ensure you are looked after every step of the way, regardless of the size of your investment pot. We look forward to working with you.

COMPARE BUY TO LET TO AP INVESTMENTS

House Purchase: £145,000

Fees: £1,100

Renovations: £3,900

Total Costs: £150,000

Rent: £650 PCM

Management Fees (10%): £65

Operational Expenses (10%): £65

Monthly Cashflow: £520 PCM

Annual Profit: £6,240

RETURN ON INVESTMENT/YIELD = 4%

Investment: £150,000

Fees: £0

Renovations: £0

Total Costs: £150,000

Rent: £1,250

Management Fees (10%): £0

Operational Expenses (10%): £0

Monthly Cashflow: £1,250 PCM

ANNUAL PROFIT: £15,000

RETURN ON INVESTMENT/YIELD = 10%

None of thew below affect your agreed Income:

- Bad Tennant

- Property Damage

- Loss of Rent

- Refurbishment Costs 

- Vacant Properties

PAYMENT TERMS &

RETURN ON INVESTMENTS

10% PER ANNUM

This is by far the most common form of repayment as it allows the borrower to deploy maximum capital and focus into the project, whilst the Private Investment Client receives the highest return on their capital deployed - 10% per annum. All capital and interest is repaid to the borrower at the end of the loan term.

Suitable for investors preferring to rollup their capital and interest repayment in order to maximise their rate of return

6% PER ANNUM

This secondary repayment method gives you the opportunity to collect a regular income from the project in the form of a monthly interest payment, with their investment capital being repaid at the end of the loan term. Due to the increased cashflow outlay for the borrower, the maximum rate of return that can be offered is 6% per year or 0.5% per month.

Suitable for investors preferring to receive a regular monthly interest repayment, albeit at a slightly lower rate of return.

Suitable for investors preferring to rollup their capital and interest repayment in order to maximise their rate of return

UNDERSTANDING RISK

Finding a suitable level of risk is ultimately down to each investor, however risk vs reward analysis can support decision making. The spectrum below displays the position of each asset class based on its risk-return profile. You will see that residential property falls within the middle of the quadrant highlighted in green, representing an above average annual total return and a low level of volatility. In comparison, gold and equities represent a high level of volatility with a moderate annualized total return, i.e. lower past performance with an increased risk that investors will be forced to sell at a bad time

However you decide to invest, staying informed by comprehensive, credible research will help you gain a more accurate picture of the markets you’re investing in, and make educated investment decisions. By understanding the different variables impacting complex markets such as property, it’s easier to distinguish facts from headlines.

CHOOSING YOUR INVESTMENT APPROACH

1st CHARGE

Assuming that all of the investment capital needed is provided by one Private Investment Client then a 1st charge security can be placed on the building. This is lodged with land registry and is the same level of collateral that a mortgage company requires. A CH1 gives you full legal power to recover your capital and repossess the property should any terms of the loan not be fulfilled.

RESTRICTION

Assuming that there are multiple Private Investment Clients lending capital on this project then restrictions will be the primary security method used to collateralise their loan. A restriction can be placed against any property owned by the borrower and restricts them from selling or remortgaging that property without the consent of the investment client. Although an RX1 is not as definitive as a CH1, it still remains the most practical method by which multiple lenders can secure their investment.

SHARES IN THE COMPANY

The property can be bought via a limited company and the Private Investment Client(s) can own assignable shares of that company. This option can provide challenges for the rent and refinance strategy as some buy-to-let lenders will want to know the experience of all shareholders, but will be most suitable for a Renovate and Sell strategy.

 

 CONTACT US

For any inquiries, please call or email us:

+44 (0)1501 744444   |   Info@ap-investments.com

our address

Unit 4 

Murraysgate Industrial Estate

Whitburn 

EH47 0LE

United Kingdom

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