Introducing Infinity Waters Investment at a Glance

1 Executive summary Three iconic towers that will illuminate Liverpool’s skyline

Infinity Waters is a new residential property benefitting from over £5.5 billion worth investment in a highly desirable Liverpool of investment, the development is well- waterfront location. positioned to appeal to the city’s thriving rental market. For a long time, UK buy-to-let property has offered investors rising rental income In a time where income from property and capital growth prospects. Over time has been affected by tax changes, 7% the market has changed. High property assured NET returns are offered per annum prices in London and other large cities to safeguard the first three years of the have forced investors to look further afield, investment. allowing key regional cities with strong economies to overtake the capital as investment hotspots. Occupying a prime area which is currently

NET Fully 7% P.A. managed 20% assured for studio, 1 and 2 early investor 3 years bed apartments discount

2 Introducing Infinity Waters Investment at a Glance:

A Magnificent Residential Development

A selection of stylish, new-build apartments

An array of high quality, on-site facilities

Incredible river and city views

Prime Waterfront Location

£5.5 billion regeneration area

Liverpool’s city centre and business district

Fantastic transport links and local amenities

Income Generating Asset

Infinity Waters is a magnificent multi-tower development World-class facilities within this signature address will Assured rental returns that will provide uninterrupted views over the River captivate the intrinsic desires of an aspirational, young Mersey and Liverpool’s vibrant city centre. marketplace whose prosperity has yet to be reflected by Fully managed investment the local rental market. The three towers will soar 27, 33 and 39 storeys high, with 20% early investor discount the tallest emerging as one of the city’s highest residential Located in one of the UK’s best locations for house buildings. price growth, apartments within this striking landmark development offer strong capital growth potential.

3 Why Invest in Liverpool?

UK’s Fastest Growing Economy

£5.5 billion £1 billion HS2 high-speed rail No.1 for start-up

Liverpool Waters development will Continued investment in Liverpool’s Investment in fast rail links will businesses regenerate 2.5km of Liverpool’s Knowledge Quarter will push improve journey times in and out of 21% small business growth in waterfront. innovation and create thousands of Liverpool. 2016 (DueDil). new jobs.

The Future of Liverpool’s Property Market

Strong regional House price growth Impressive rental Room for growth

performance House prices in Liverpool are forecast forecast Liverpool is a few years behind its to increase by 22.8% between counterparts which makes it an Property prices in Liverpool continue Rents in Liverpool are forecast to 2017-2021 (JLL). attractive market for investors as it to outperform other regional cities in increase by 17.6% between has plenty of room to grow in the terms of rental and capital growth. 2017-2021 (JLL). future and mature as a market.

4 In this report

06 Elliot Group

09 The Opportunity

12 Facilities

17 Investment Profile

20 FAQs

5 Elliot Group Developments that Inspire

Elliot Group is a Liverpool-based developer With an expansive development portfolio in that has a proven track record in delivering Liverpool and a proven track record, the Elliot residential, student and commercial properties Group is dedicated to the urban regeneration across the Northern Powerhouse region. of Liverpool.

As part of Liverpool’s wider regeneration, the Elliot Group has injected prosperity to areas of the city with a high demand for housing, helping to bridge the gap between the city’s rich cultural heritage and its strong economic future.

20 12 8 Projects in Completed Underway Liverpool, Manchester and Leeds Liverpool represents a unique opportunity for investors. The concept of Infinity Waters has been born out of necessity. There is a distinct undersupply of housing of this calibre and with There are now 20 projects in continued high investment and the government’s plan to attract Liverpool, maiden schemes in Manchester more people to the city, iconic developments like Infinity Waters and Leeds and sites under discussion that will play a key role in this growth,” should take the company past the billion Elliot Lawless, Elliot Group. pound mark within the year.’’

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The Address, Infinity, Liverpool Liverpool Aura, he esidence, imes otel, Liverpool Manchester Liverpool

ne Par Lane, Liverpool

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24 elliotgroup.co 25

7 24 elliotgroup.co 25

26 elliotgroup.co 27 Architect’s Vision

“Infinity Waters is a part of Liverpool’s iconic waterfront and will become part of its world-famous skyline. The Liverpool Waterfront is already functioning as one of the great successes of waterside regeneration in Britain and is comparable with the best in the world. Infinity Waters is a high quality residential development of significant architectural merit that will sit on a key city centre site.

“This development is an important component of Liverpool’s’ regeneration, brought forward by Elliot Group Ltd., and comprising residential accommodation with commercial, office and leisure units at the lower levels. Extensive high-end facilities will help to create a truly 21st century community,”

Quentin Keohane, Associate Director, Falconer Chester Hall Architects.

8 Maximising The Opportunity Return on Investment

Investors will secure a Infinity Waters is a collection of Early investors are rewarded with the highest discount and three iconic, residential towers the best pick of apartments within this magnificent multi- long lease on a high specification on a prime waterfront location in tower development. Investors looking for strong capital new-build apartment which will Liverpool’s city centre. growth in the mid-to long-term will benefit from:

provide an assured income of 7% This is a rare opportunity for you NET per annum for 3 years.” to own a beautifully designed apartment within a fully managed development. 20% early investor Boasting incredible river and city discount which offers strong views, Infinity Waters will emerge as Liverpool’s signature address for capital growth potential. luxury living thanks to its world-class on-site facilities which include an indoor pool, a full spa, cinema and meeting rooms, private outdoor Capital uplift throughout areas, a modern gym and an construction period (JLL forecast exceptional concierge service. that house prices in Liverpool will Contemporary offerings, near the rise by 22.8% by 2021). waterfront, featuring high quality furnishings, offering exceptional on-site facilities and a management service are necessary to suit the busy schedules and to reflect the Infinity Waters is a fully managed lifestyle of the local rental market. property investment and investor returns are NET of all costs. Long River facing developments, within striking distance of the city centre term demonstrable income will and the Central Business District, make the property more saleable are needed to provide housing and to reflect the newfound wealth that in the future. is being expressed in the city.

9 Exit Strategy

Despite the government’s pledge to build 1 this funding. It’s estimated that an average million new homes by 2020, with an average subsidy of £80,000 would mean this money of 200,000 per year, housebuilding targets being able to assist in the building of 25,000 have been missed every single year since affordable rental options. While this is the announcement. significant, it would still potentially leave a gap in the market, which could perhaps be There is a fundamental undersupply of addressed by promoting the growing Build housing in the UK which will not be met any to Rent sector. time soon. Infinity Waters is a Build to Rent Even with steps in place to build more development designed to help tackle the homes, in the shape of an addition £2 shortage, with just over 1,000 apartments billion to spend on housing, it does have set to be added to the local market. limitations on what it can deliver through

Early Investor Discount

Off plan apartments in With property prices Infinity Waters are priced expected to rise by 22.8% competitively when by 2021, investors are set compared to the local to secure the best capital market’s current stock and growth potential in this new-build pipeline and buoyant property market. offer strong capital growth potential. The opportunity is designed for UK and To provide the best overseas investors to allow possible capital growth for strong returns, whilst prospects, investors can maintaining full control over secure a 20% early investor capital. Investors can sell discount based on a current the property at any time. RICs valuation.

10 11 Liverpool’s Signature Address

Infinity Waters will emerge as Liverpool’s Underground Modern Gym Cinema Room Meeting Room signature address for luxury living, with Car Parking its three towers accentuating wealth.

Full Spa facilities to Indoor Swimming Club Lounge Bike Storage include Sauna, Steam Room Pool and Jacuzzi Inviting on-site facilities will include a state-of-the-art gym and yoga studio, a cosy cinema room, an ambient spa and indoor swimming pool, spacious meeting rooms, Concierge and on-site Private Dining and landscaped outdoor spaces that transcend offerings Podium Gardens 24/7 CCTV Management Team Room currently available on the rental market.

12 Investors £5.5 Billion Liverpool buying an apartment £300m within Infinity Waters proposed plans will benefit from the for a new Everton Waters Investment football stadium Liverpool Waters £200m development which Pall Mall regeneration is set to be one of the The rapid transformation 400,000sq ft of office-led regeneration with retail and biggest waterfront of Liverpool has mainly £5.5 billion leisure space regenerations ever Liverpool Waters project focused on central areas of 2.3km waterfront seen in the UK.” the city however, investor transformation sentiment has now shifted to the north of the city’s centre. Ten Streets Creative Hub £1 billion is a proposed 125-acre regeneration with the Paddington Village potential to create 1.8m sq ft transformation 2,500 £1 billion jobs Knowledge Quarter Liverpool The £5.5 billion Liverpool Waters development 240-acre regeneration at the docklands is set to be one of the biggest Commercial regenerations ever seen in the UK, with 2.3km of the city’s coast set to be transformed into an extension of £3.5m District BID proposed Isle of Man 5-year plan to further the city centre Central Business District. Ferry terminal enhance growth The north section of Liverpool’s city centre is also set to benefit from the new £300m Everton football stadium and the proposed 125-acre regeneration of Ten Streets areas that has the potential to create 2,500 new jobs. This coupled with continued investment in transport and infrastructure, will help to £400m £50m Liverpool2 Shipping proposed Cruise ensure that buy-to-let investors within this part of the Container Terminal Liner Terminal city are likely to see a rise in demand from renters and huge capital growth potential in years to come.

13 The UK as a Property Hotspot

In recent years, emerging 46% 20% regions, away from London, have allowed investors to achieve of young people of all UK homes Homeownership now higher rental yields, 5 £1 aged between 25 are now rented in stands at around and 34 now living the private sector with returns surpassing million trillion 60% rental homes in worth of rental in rented homes the average 4% rental of the population the UK properties yield in London.”

14 Spotlight on Liverpool

Liverpool’s rental sector This spectacular high demand is driven by the growing for rental property from this key demographic has meant that over the number of businesses, a rise last three years, Liverpool has enjoyed in student numbers and a some of the best rental price increases huge demand for skills in seen anywhere in the UK. emerging digital, science and tech sectors.

Under 30s Liverpool has Liverpool is home 57,000 enjoyed some of Over the last few years, rising house to one of the UK’s the best rental and rental prices have driven people youngest populations students price increases seen in the UK in their droves away from London, towards cities in the north of England that offer a better work-life balance.

There has been a rise in the number of businesses coming to Liverpool which has helped the city to become the fastest growing economy in the UK. 50% In the past 12 months, Liverpool has emerged as of all people living in one of the most prominent UK locations for start-up businesses. Liverpool are young professionals Record This has led to a swell of new people coming to number of new live and work in the city and now around half of all start-up people living in Liverpool’s city centre are young businesses professionals.

15 Our Expertise, Your Success

Pinpointing a Identifying prime waterside Liverpool as a location in an market with a high area undergoing demand for Build signification to Rent property regeneration

Market Analysis High demand from a large target market.

Apartments within Infinity’s luxurious towers Creating a design Delivering a premium have been designed to cater to the lifestyle of Liverpool’s unrivalled on Liverpool’s product with excellent young professionals and to meet the aspirations of a rental market to facilities to deliver high accommodate the occupancy rates, assured highly successful workforce that have benefitted from aspirations of a highly rental returns and strong successful workforce capital growth prospects unprecedented economic growth and an extraordinary level of inward investment.”

16 Investment Options 1 Bedroom Apartments Starting from £124,000

How Your Yield is Calculated 5-Year Investment Scenario Conservative Expected Bouyant

3% JLL 7%

Apartment Purchase Price £124,000 Purchase Price £124,000 £124,000 £124,000

RICS valuation*** £155,000 Discount on RICS Valuation £31,000 £31,000 £31,000

Anticipated Rent Per Calendar Month £912 Forecasted capital growth during build based on JLL forecast £19,453 £27,183 £45,867 Total Gross Annual Income £10,944 Forecasted capital growth over 3 Year Rental Assurance based on JLL forecast £15,705 £23,201 £38,341 Annual Service Charge £1,094 Total 7% NET Assured Income over 3 years £26,040 £26,040 £26,040 Letting Management fee £821 Total projected capital growth** £66,159 £81,384 £115,209 Ground Rent £400 Total Charges £2,315 Total combined income (capital growth plus 3 year assurance) £92,199 £107,424 £141,249

ROI % 3 years from completion 74.35% 86.63% 113.91%

NET Income* £8,629 Annualised NET ROI 14.87% 17.33% 22.78% NET Annual Yield 7.0% Property value at the end of the 3 year rental assurance period £190,159 £205,384 £239,209

Please note financials are for indicative purposes only and may be subject to change ** Based on JLL Forecast * Rental income is contractually assured at 7% NET for the first 3 years based on the price of the apartment *** RICS report provided by MLL Associates, chartered surveyors

17 Investment Options 2 Bedroom Apartments Starting from £172,000

How Your Yield is Calculated 5-Year Investment Scenario Conservative Expected Bouyant

3% JLL 7%

Apartment Purchase Price £172,000 Purchase Price £172,000 £172,000 £172,000 RICS valuation*** £215,000 Discount on RICS Valuation £43,000 £43,000 £43,000

Anticipated Rent Per Calendar Month £1,250 Forecasted capital growth during build based on JLL forecast £26,984 £37,705 £63,622 Total Gross Annual Income £15,000 Forecasted capital growth over 3 Year Rental Assurance based on JLL forecast £21,784 £32,182 £53,183 Annual Service Charge £1,500 Total 7% NET Assured Income over 3 years £36,120 £36,120 £36,120 Letting Management fee £1,125 Total projected capital growth** £91,769 £112,887 £159,806 Ground Rent £400 Total Charges £3,025 Total combined income (capital growth plus 3 year assurance) £127,889 £149,007 £195,926 ROI % 3 years from completion 74.35% 86.63% 113.91%

NET Income* £11,975 Annualised NET ROI 14.87% 17.33% 22.78% NET Annual Yield 7.0% Property value at the end of the 3 year rental assurance period £263,769 £284,887 £331,806

18 Additional Ease of Purchase Costs

Purchase Legal Fees

Legal fees* are estimated to be between £860- £1,100 fully inclusive of VAT, searches and disbursement costs. Studio, one and two bedroom apartments within Infinity Waters will be sold on a leasehold basis for a Stamp Duty period of 250 years.

A team of commercial solicitors, experienced in the Band Normal Rate Additional Property UK’s buy-to-let market, have been appointed to act Up to £125k 0% 3%** on the behalf of investors. £125k to £250k 2% 5% £250k to £925k 5% 8% £925k to £1.5m 10% 13% Over £1.5m 12% 15%

Additional Furniture Pack

Pay £5,000 to reserve a property Furniture pack for a studio apartment = £4,000 1 Furniture pack for a 1 bed apartment = £5,000 Furniture pack for a 2 bed apartment = £7,000

Pay 30% less the Reservation 2 Deposit on Exchange of Contracts (28 days after Reservation)

3 Pay 20% on 5th March 2018

4 Pay 30% on 7th January 2019

Pay 20% upon Completion 5 *Estimated fees ** An additional property purchased for less than £40k will attract 0% tax. For purchases from £40k to £125k the rate will be 3% on full purchase price.

19 Is there a rental assurance in place? Is there an exit strategy? landlord and may apply to HMRC in the UK for Yes. 7% NET rental return is assured for the Yes, there is a high demand for luxury apartments exemption. first 3 years of the investment. in Liverpool. You can appoint any local estate agent who would be more than happy to sell your Is there a benefit for buying into the project in the apartment/s on your behalf. Please note we cannot guarantee that early off plan stages? an application to receive rent with no tax Early investors will have the choice of the best deductions will be accepted. units within this exclusive Liverpool address and will be able to purchase an apartment Is the sale handled by UK lawyers? When will the development complete? 20% below the projected market value upon Yes. A team of commercial solicitors, The target completion date has been completion. experienced in UK property investment, scheduled for Q4 2019. have been appointed to act on the behalf of What is the length of the leasehold? investors. Is there furniture included in the price of the Each apartment is sold on a 250-year leasehold. apartment? Who is the Management Company? No. Furniture packages are optional however, Can I sell my unit/s at any time? urbanbubble is a multi-award winning residential they are required in order to qualify for the Investors are permitted to sell at any time after sales, lettings and property managing agent rental assurance. completion. based in Liverpool and Manchester which offers an unrivalled service to its customers. Can I use a mortgage to purchase a unit? When will the development be occupied and when The developer requires cash over construction With over ten years’ experience, urbanbubble will I receive my income? and completion however, the client can look at has been appointed the official management The apartments will be let out from the date of finance options thereafter. company of Infinity Waters. By combining the completion and the assured yield will be paid lettings and building management, the company from this date, quarterly in arrears. Please note we are not mortgage advisors and will provide a well-communicated holistic service therefore offer no guarantees. We are also not to take care of all aspects on the investment. What happens at the end of the 3-year rental qualified to give financial advice. Accordingly, assurance period? the information we provide should not be The interests of the management company At the end of year 3, investors will have the construed as such under any circumstances. If are fully aligned with the investors, with high option to continue managing the unit through investors have any concerns or queries relating occupancy and positive rental growth key. urbanbubble. Investors will be responsible to post completion finance, they must seek for the payments of the management fee, independent specialist advice from a suitably As a non-resident in the UK am I taxed on this ground rent and service charge. After the qualified professional. Our company and/or income? assured period, investors can manage the unit Elliot Group will not accept liability for any If you are a UK resident then yes, you will be themselves or appoint another management losses resulting from the failure to obtain a subject to tax. If you are a ‘non-resident’ in company. mortgage or any other form of secured loan. the UK, then you are classed as an overseas

20 Disclaimer:

This document is intended to provide general information concerning the proposed development, construction and management of Infinity Waters, Lanyork Road, Liverpool, L3 6JB. 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 www.experienceinvest.com or otherwise is based upon information provided Infinity Developments Liverpool Ltd. (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.