Agenda Overseas Mortgages The overseas property market Background to IPN The Safe and Secure Buying Plan Affiliate partner network Range of product available.

AgendaAgenda• Overseas Mortgages

• The overseas property market

• Background to IPN

• The Safe and Secure Buying Plan

• Affiliate partner network

• Range of product available

• Key benefits- to clients- to brokers

• Summary

Foreign Mortgages ?

• Not all countries affected by credit crunch• Our Submissions up 40% in 2008 (Business out

there!)• Which of your clients own property abroad?• Some great active re-Mortgage markets• Great time to bring currency back to UK

Current Main Countries

• Spain (& Islands)

• Portugal

• Italy

• Florida & Rest of USA

• Cyprus (South)

• Caribbean

• France

• Cape Verde

• Turkey

• Morocco

OUR SERVICE …

• VCI speak to the client • VCI fill the forms in• VCI chase the outstanding• VCI work with you• YOU can track it online (Real time)• Proc fees 0.25% to 0.4% (net to you)

AgendaAgenda• The overseas property marketThe overseas property market

• Background to IPNBackground to IPN

• The Safe and Secure Buying PlanThe Safe and Secure Buying Plan

• Affiliate partner networkAffiliate partner network

• Range of product availableRange of product available

• Key benefitsKey benefits- to clients- to clients- to brokers - to brokers

• Summary Summary

Introduction to the overseas Introduction to the overseas property marketproperty market

• Number of Britons buying overseas has tripled in Number of Britons buying overseas has tripled in the last 10 years (Office of National Statistics, 2007)the last 10 years (Office of National Statistics, 2007)

• Overseas property market is set to double in the next five years Overseas property market is set to double in the next five years and by 2012 will grow to £81.1 billion from £44.4 billion in 2006 and by 2012 will grow to £81.1 billion from £44.4 billion in 2006 (Data Monitor, 2007)(Data Monitor, 2007)

• 3 million Britons are looking to move overseas in the next 3 million Britons are looking to move overseas in the next 24 months (Cater Allen Private Bank survey, October 2008)24 months (Cater Allen Private Bank survey, October 2008)

Introduction to the overseas Introduction to the overseas property marketproperty market

Reasons include:Reasons include:

• Increased affordability (!)Increased affordability (!)

• Increased Accessibility (Cheap Flights)Increased Accessibility (Cheap Flights)

• Capital growth potentialCapital growth potential

• Guaranteed rental income potentialGuaranteed rental income potential

• More leisure orientated populationMore leisure orientated population

AgendaAgenda• The overseas property marketThe overseas property market

• Background to IPNBackground to IPN

• The Safe and Secure Buying PlanThe Safe and Secure Buying Plan

• Affiliate partner networkAffiliate partner network

• Range of product availableRange of product available

• Key benefitsKey benefits- to clients- to clients- to brokers - to brokers

• Summary Summary

Background to IPNBackground to IPN

• Founded around the unique ‘Safe & Secure Buying Plan’Founded around the unique ‘Safe & Secure Buying Plan’

• Partner with well respected & trusted affiliates Partner with well respected & trusted affiliates

• Work with established, diligent developers Work with established, diligent developers

• Provide safety and peace of mind for clientsProvide safety and peace of mind for clients

• Assistance every step of the wayAssistance every step of the way

• Deal Exclusively with Intermediaries (no direct public offering)Deal Exclusively with Intermediaries (no direct public offering)

AgendaAgenda• The overseas property marketThe overseas property market

• Background to IPNBackground to IPN

• The Safe and Secure Buying PlanThe Safe and Secure Buying Plan

• Affiliate partner networkAffiliate partner network

• Brand partnersBrand partners

• Range of product availableRange of product available

• Key benefitsKey benefits- to clients- to clients- to brokers - to brokers

• Summary Summary

The Safe and Secure The Safe and Secure Buying PlanBuying Plan• Each development is subject to an International Each development is subject to an International

“Red Book” valuation“Red Book” valuation..

• RICS (Royal Institution of Chartered Surveyors) RICS (Royal Institution of Chartered Surveyors) standards employedstandards employed

• Checks are made to ensure that the developer Checks are made to ensure that the developer has the required funding available and has a has the required funding available and has a track record of quality developments track record of quality developments

• Stress testing of capital growth and rental Stress testing of capital growth and rental projectionsprojections

Due Diligence:Due Diligence:

• developer history & vettingdeveloper history & vetting

• project & local market reviewproject & local market review

• title deeds & documentationtitle deeds & documentation

• bank guarantees & financialsbank guarantees & financials

• construction & building licensesconstruction & building licenses

• all opportunities must demonstrate attractive capital growth and all opportunities must demonstrate attractive capital growth and sustainable rental incomesustainable rental income

The Safe and Secure The Safe and Secure Buying PlanBuying Plan

AgendaAgenda• The overseas property marketThe overseas property market

• Background to IPNBackground to IPN

• The Safe and Secure Buying PlanThe Safe and Secure Buying Plan

• Affiliate partner networkAffiliate partner network

• Range of product availableRange of product available

• Key benefitsKey benefits- to clients- to clients- to brokers - to brokers

• Summary Summary

Affiliate partner networkAffiliate partner network

• Goldsmith Williams Goldsmith Williams - due diligence & conveyancing- due diligence & conveyancing

• Savills InternationalSavills International - “Red Book” valuations - “Red Book” valuations

• HiFX HiFX - - foreign exchange servicesforeign exchange services

• Viva Costa InternationalViva Costa International – overseas mortgages – overseas mortgages

AgendaAgenda• The overseas property marketThe overseas property market

• Background to IPNBackground to IPN

• The Safe and Secure Buying PlanThe Safe and Secure Buying Plan

• Affiliate partner networkAffiliate partner network

• Range of product availableRange of product available

• Key benefitsKey benefits- to clients- to clients- to brokers - to brokers

• Summary Summary

Range of product availableRange of product availableIPN provides a select targeted and manageableIPN provides a select targeted and manageablerange of products in existing and emerging marketsrange of products in existing and emerging markets

ApprovedApproved Cape VerdeCape Verde BulgariaBulgaria SpainSpain

Final StagesFinal StagesTurkeyTurkeyItalyItaly

Under ReviewUnder ReviewCyprusCyprusFranceFranceBrazilBrazil

Range of product availableRange of product availableExample of a selected 'emerging market' ... Cape Verde Example of a selected 'emerging market' ... Cape Verde

• Increasing land values - 30% per annum over the last 10 years Increasing land values - 30% per annum over the last 10 years (on average)(on average)

• Growing economy - Foreign investment increased to $1.2 Growing economy - Foreign investment increased to $1.2

billion in 2007 billion in 2007

• Direct flights from Gatwick, Stanstead, Birmingham and Direct flights from Gatwick, Stanstead, Birmingham and Manchester and 9 other European destinationsManchester and 9 other European destinations

• Increasing tourism and demand, for example between 2001 Increasing tourism and demand, for example between 2001 and 2006and 2006- Tourist numbers increased by 80% - Tourist numbers increased by 80% - Number of bed-nights rose from 549,000 to 945,421- Number of bed-nights rose from 549,000 to 945,421

Range of product availableRange of product availableExample of a selected development ... Dunas Beach ResortExample of a selected development ... Dunas Beach Resort

• Stunning beach-front locationStunning beach-front location• Occupancy density of less than 20% Occupancy density of less than 20% • Prices from €94,950 to €900,000 Prices from €94,950 to €900,000 • Luxury 5-Star 72 Room Hotel & SpaLuxury 5-Star 72 Room Hotel & Spa• Superb Restaurant, Piano and Pool Bars Superb Restaurant, Piano and Pool Bars • 52% SOLD OUT ALREADY!52% SOLD OUT ALREADY!

Range of product availableRange of product available

Range of product availableRange of product available

Range of product availableRange of product available

Range of product availableRange of product available

AgendaAgenda• The overseas property marketThe overseas property market

• Background to IPNBackground to IPN

• The safe and secure buying planThe safe and secure buying plan

• Affiliate partner networkAffiliate partner network

• Brand partnersBrand partners

• Range of product availableRange of product available

• Key benefitsKey benefits- to clients- to clients- to brokers - to brokers

• Summary Summary

• An overseas property service, providing safety, security and complete An overseas property service, providing safety, security and complete peace of mindpeace of mind

• Assistance every step of the way to ensure a hassle free, simple buying Assistance every step of the way to ensure a hassle free, simple buying experienceexperience

• Capital Growth PLUS Rental Yield PLUS LifestyleCapital Growth PLUS Rental Yield PLUS Lifestyle

• Access to superb property investment opportunities Access to superb property investment opportunities

• A personalised, tailored serviceA personalised, tailored service

• Opportunity to create a portfolio of international property (Jet 2 Let)Opportunity to create a portfolio of international property (Jet 2 Let)

• Easy OwnershipEasy Ownership

Key benefits to clientsKey benefits to clients

• Additional service to offer for clientsAdditional service to offer for clients

• Revenue opportunity to replace lost incomeRevenue opportunity to replace lost income

• Commission paid Commission paid immediatelyimmediately (on receipt of client deposit & (on receipt of client deposit & contract)contract)

• Hassle free way of setting up an overseas property service Hassle free way of setting up an overseas property service

• Full training and supportFull training and support

• Low entry-level purchase schemes - Easy ownershipLow entry-level purchase schemes - Easy ownership

Key benefits to brokersKey benefits to brokers

• WebsiteWebsite

• BrochuresBrochures

• White Label MarketingWhite Label Marketing

• Client TestimonialsClient Testimonials

First class marketing supportFirst class marketing supportKey benefits to brokersKey benefits to brokers

Lead IntroducerLead Introducer

• Broker to receive 2.4% of property value from every client referral that results in a saleBroker to receive 2.4% of property value from every client referral that results in a sale• Average broker commission = €4,250Average broker commission = €4,250• One sale per quarter = €17,000 p/aOne sale per quarter = €17,000 p/a• One sale per month = €51,000 p/aOne sale per month = €51,000 p/a• Just for leads!!!Just for leads!!!

Commission and revenueCommission and revenueKey benefits to brokersKey benefits to brokers

SellerSeller

• Broker to receive 4.4% of property value for every saleBroker to receive 4.4% of property value for every sale• Average broker commission = €8,500Average broker commission = €8,500• One sale per quarter = €34,000 p/aOne sale per quarter = €34,000 p/a• One sale per month = €102, 000 p/aOne sale per month = €102, 000 p/a• Revenue Calculator availableRevenue Calculator available

Commission and revenueCommission and revenueKey benefits to brokersKey benefits to brokers

AgendaAgenda• The overseas property marketThe overseas property market

• Background to IPNBackground to IPN

• The safe and secure buying planThe safe and secure buying plan

• Affiliate partner networkAffiliate partner network

• Brand partnersBrand partners

• Range of product availableRange of product available

• Key benefitsKey benefits- to clients- to clients- to brokers - to brokers

• SummarySummary

SummarySummary• Safe and hassle free service Safe and hassle free service

• Select range of properties (with all due diligence in Select range of properties (with all due diligence in place)place)

• First class support & assistance for you First class support & assistance for you andand your your clientsclients

• Opportunity to generate significant revenueOpportunity to generate significant revenue

• Your clients Your clients areare buying overseas ... Viva Costa buying overseas ... Viva Costa & IPN can make sure it is via & IPN can make sure it is via youyou!!