From old banger to Super Car in 60 months through property investing!

• 1. PROPERTY INVESTOR SHOW David Coughlin: Co-Founder and Managing Director, HBF Investments STAND 130

2. HBF INVESTMENTS STAND 130

• Todays Presentation:

• Who are HBF Investments and who is David Coughlin?

• From Old Banger to Super Car in 60 months!

• Auctions, Estate Agents and HBF Investments which one?

• 5 Properties = 50K/year TAX FREE FOR LIFE!

• Successful HBF Investments case studies

• Whats next for you? ACTION!!!!

3. Who are HBF Investments?

• Millions sales to investors

• Highly sought after old build

• 20-25% discounts BMV

• 8-10% Yields

• Buy without deposits

Northern & UK wide deals 4. MY 7 YEAR JOURNEY FROM PROPERTY INVESTOR SHOW!

• 2003:1 stinvestment property while part time @Mars/Slough

• • 11 in total 2005 all bought through estate agents

• • 17 bought in 2006 source better deals through own marketing

• • 50 bought in 2007 learnt how to refinance my cash quickly

• • 70 bought in 2008 sourcing and buying became easy

• 2005:Full time property

• 2008:150+ properties and established HBF Investments

• • 17M+ portfolio; 3.5M equity; 40K/month profit

• 2008-10:Commercial Property: Bar 08, Boutique Hotel 09,Comedy Venue 10-11

• 2010:Audi R8 V10 Spyder (drove a 500 Nissan Bluebird in 2005!!)

• 2017:RETIRE TO THE SUN

5. OLD BANGER TO SUPER CAR!

• 2003: part time with just 30K on credit cards!

6.

• At this show?

• At my presentation?

WHY ARE YOU HERE??? 7. WHY PROPERTY INVESTMENT?

• To plan for your retirement

• You have no pension

• Financial security

• Wealth & health for you and your family

• To pay for weddings, holidays, kids, private schools

• Fast cars, meals out, shopping

• Just have spare cash to enjoy doing whatever you want to do whenever you want to do it

8. MOST PEOPLES 45 YEAR PLAN

• Lifes 45 year TREAD-MILL plan

• If youve been earning 25,000/year for the last 20 years

• Youve earned over a 1/2 Million pounds!

• How much do you have in the bank?

• Scary stuff!

• So how can property investingCHANGE YOUR LIFE?!!

9. A MILLIONAIRE`S GOLDEN RULE

• 90% OF ALL MILLIONAIRES BECOME SO THROUGH OWNING REAL ESTATE

• ANDREW CARNEGIE (once the worlds richest man!)

• THE SINGLE BIGGEST REASON WHY AMATEUR INVESTORS AREN`T WEALTHIER

• THEY ONLY BUY IN THEIR AREA !

• THEY MISS 99% OF THE BEST DEALS

• YOU`RE AN INVESTOR NOW BECOME A BUSINESS OWNER

10. HOW I SUCCEEDED WITH JUST 30K

• • How many 100K properties can you buy with 30K?

• Bought property at near-market value with a deposit and wait for prices to rise to release cashEstate Agents 2003-2004 (limited to 1-2/year)

• Bought property at a discount with a deposit and refinanced months later to release more cashEstate Agents 2004-2005 (limited to 2-4/year)

• Bought property at 30% discounts without paying a deposit HBF Sourced Deals 2005-2010 (limited only by ambition & mortgage finance)

11. WHY LOW MONEY IN& NO DEPOSITS ?

• • How many 100K properties can you buy with 30K in the next 6-12 months?

• Auctions/Agents

• Costs/deposit are 23,000 - limited to 1 or 2 properties

• HBF Investments

• *Costs to buy 5,995 so you can purchase 5 Properties

• (*includes deposit finance,allbuying fees plus HBF finders fee)

• So, what are the financial benefits of buying 5 properties with HBF Investments with no deposit?

12. 1.MORE CAPITAL GROWTH 50K TAX FREE FOR LIFE! AGENTS HBFi CASH TO INVEST 30,000 30,000 PROPERTY VALUE 100,000 100,000 DISCOUNTED PRICE 75,000 75,000 25% DEPOSIT REQUIRED? YES *NO *COST FOR 1 PROPERTY 23,000 5,995 NUMBER OF PROPS 1 5 PORTFOLIO VALUE 100,000 500,000 ANNUAL GROWTH 10% 10% ANNUAL 'TAX FREE' EQUITY 10,000 50,000 13. 2.MORE RENTAL PROFITS * Example:mortgage on 100K property bought for 75K is; (i) 75K & 312/month with HBFi and (ii) 56K & 234/month with Auctions/Agents AUCTION HBFi NUMBER OF PROPS 1 5 RENT/MONTH 595 595 X 5 *MORTGAGE/MONTH 234 312 X 5 ANNUAL RENT CASH FLOW 4,332 16,980 COST FOR ALL PROPERTIES 23,000 30,000 PAY BACKYEARS 5 2 14. AUCTIONS AGENTS HBFi PROS Guaranteed purchase Little competition *Discount pays for deposit Set your maximum bid Source of repossessions Buy more properties= make more profits Lots of local choice Lots of local choice Deal directly with vendors CONS Competitive so higher bids Discounts not so great Vendors may pull out of sale Risk 10% on hammer Can be gazumped Rely on valuation forlow money in Overpay for refurbs Lots of time/effort Regional and national properties vs. local 15. HBFi SIMPLE STRATEGY

• 5medium sized properties purchased correctly could provide

• 50-70K/year passive & TAX FREE income through your life and your retirement

16. ONE INVESTORS SIMPLE STRATEGY

• 5medium sized properties

17. Thornton Cleveleys VALUE135,000 DISCOUNT -25% 33,750 NET PRICE101,250 RENT CASH FLOW226 18. Wigan VALUE135,000 DISCOUNT -25% 33,750 NET PRICE101,250 RENT CASH FLOW196 19. Doncaster VALUE100,000 DISCOUNT -25% 25,000 NET PRICE 75,000 RENT CASH FLOW282 20. Wakefield VALUE110,000 DISCOUNT -25% 27,500 NET PRICE 82,500 RENT CASH FLOW151 21. Newcastle VALUE120,000 DISCOUNT -25%30,000 NET PRICE90,000 RENT CASH FLOW175 22. HBF INVESTMENTS NO DEPOSITS! Cost to buy= 30K (HBF Investments) = 115K (Agents/Auctions) 23. HBF INVESTMENTS SIMPLE 5 PROPERTY STRATEGY

• Portfolio value = 600K

• 60K/yr Growth + 12K/yr Cashflow

• 30K cash generates 72K/year FOR LIFE!

• Property is a long term growth game. Rental cashflow ensures you get to play it!!

24. INVESTOR FEAR - NUMBER 1 MY PROPERTY WILL NOT LET!

• COUNTRYWIDE LETTINGS

• 72% PROPERTIES LET IN 48HRS MAX 2/3 WEEKS

• SUNDAY TIMES

• LOWEST VOIDS & HIGHEST RENTS IN 8 YEARS

• CREDIT CRUNCH & PROPERTY CRASH

• BIG DEPOSITS & FEW MORTGAGES = MORE TENANTS

• UNEMPLOYMENT

• GREAT!! THE GOVERNMENT PAYS HIGHEST RENTS!!

25. LHA RENTS VS. PROFESSIONAL HBF INVESTORS CASE STUDY

• 4 Bed Terrace in Salford, Manchester

• 25% Discount Price = 60K, Value = 80K

• Prof Rent =550,LHA =791,Mortgage=250

• 20K Equity and 541/Month Profit!

26. LHA RENT VS. PROFESSIONALSALFORD/MANCHESTER RENT COMPARISON

• 1 bed:LHA = 445.30 Prof = 350

• 2 bed:LHA = 544.29 Prof = 450

• 3 bed:LHA = 618.51 Prof = 495

• 4 bed:LHA = 791.67 Prof = 550

• LHA/UNEMPLOYMENT = HIGHER RENTS& THE GOVERNMENT PAYS!!

• www.lha-direct.voa.gov.uk

27. INVESTOR FEAR - NUMBER 2 PRICES WILL CRASH!

• BUY AT A DISCOUNT WITH HIGH RENT

• FALLS DONT MATTER LONG TERM GAME

• HOUSING SHORTAGE

• 71 MILLION PEOPLE 2030 FEWEST BUILT SINCE 1920S

• RENTS VS. MORTGAGES

• WHY PAY 595 RENT IF MORTGAGE IS 295? BUY!

• PROPERTY CYCLE

• 40 YEARS = 9% GROWTH & DOUBLE EVERY 8-10 YEARS

28. UK PROPERTY PRICES9%/YEAR & DOUBLE IN 8 YEARS

• 1970 - 4,378

• 1975 10,388

• 1980 22,677

• 1985 33,200

• 1990 - 54,919

• 1995 - 51,084

• -25%38,313

• 2000 - 81,268

2003 - 118,927 2005 - 158,916 2007 - 190,000 2008 - 196,482 2009 - 154,500 APRIL 2010 - 169,777APRIL HBF INVESTMENTS -25%127,332 Buying at 2003 Prices SOURCE NATIONWIDE/HALIFAX 29. WHEN IS BEST TO BUY?

• AT THE TOP?

• VALUE:100k

• DISCOUNT: 15%

• 85K MORTGAGE:354

• RENTS:500

• PRICE DROP: -20%

• 20% GROWTH: 5-7 YR

AT THE BOTTOM? VALUE:80k DISCOUNT: 25% 60K MORTGAGE:250 RENTS:600 PRICE DROP: -5% +5% 20% GROWTH: 2-5 YR 30. 31. WHAT WILL HAPPEN OVER THE NEXT 2-3 YEARS?

• MORTGAGE LTV!!!

• NOW 75% LTV

• DISCOUNT NOW:25%

• RENTS: 600

• FUTURE 85% LTV

• DISCOUNTS: 15%

• RENTS: 550

• RENTAL YIELDS?

• VALUE NOW: 100K

• 25% DISCOUNT =75K

• RENTAL YIELD = 9.6%

• VALUE FUTURE: 110K

• 15% DISCOUNT = 94K

• RENTAL YIELD = 7.0%

DONT WAIT FOR THE SIGNSYOU WILL MISS THE BEST DEALS! 32. BUILDING YOUR PORTFOLIO

• HBF INVESTMENTS

• A simple strategy to buy 5 medium sized properties & when purchased correctly could provide you with:

• 50K TAX FREE equity growth +

• 12K rental cash flowFOR LIFE

33. DON`T FORGET A MILLIONAIRE`S GOLDEN RULE

• THE SINGLE BIGGEST REASON WHY AMATEUR INVESTORS AREN`T WEALTHIER

• THEY ONLY BUY IN THEIR AREA !

• THEY MISS 99% OF THE BEST DEALS

• 90% OF ALL MILLIONAIRES BECOME SO THROUGH OWNING REAL ESTATE

• - ANDREW CARNEGIE (once the worlds richest man!)

34.

• How long have you been thinking of getting into property?

• How long have you been thinking of expanding your portfolio?

• How much longer are you going to think about it?

• Who wants to make changes in their life?

MY QUESTION TO YOU 35. The Future

• Where will you be in 5 years time???????

• In the same rut?Or doing what you love?

• Saying goodbye to your boss?Or still 9-5?

• Which one?.you choose

THE FUTURE 36. Action is Required

• Do you want to be where I am?

• Do you want help in getting there?

• Do you think I could help you to achieve your goals?

• Do you want me to help you?

• Lets get started

• FOLLOW THEBLUE BALLOONTOSTAND 130

ACTION IS REQUIRED 37. NEXT STEPS FOR YOU? HBF INVESTMENTS STAND 130

• Come and see me at STAND 130.500 cash off vouchers when you buy TODAY

• FREE 1-2-1 property wealth consultation with our property experts

• Special one off aftercare webinar for buyers today + copy of presentation

• Balloon your finances & head to theblue balloononSTAND 130!!

• www.hbf investments .com