delphselectbuilding better returns

Metalworks ApartmentsThe Jewellery Quarter, Birmingham

Welcome to Delph Select

Dear InvestorI am delighted to introduce Delph Select to Birmingham, a revolutionary service that takes the hassle out of property investment for the investor.

Delph Select offers property investors the opportunity to benefit from annual income and long term growth together with a hassle-free service. You simply leave the day to day management to us and sit back and receive your monthly rental income.

Delph Select is part of Delph Property Group, one of the UK’s largest private landlords with a portfolio of over 1000 investment properties. We have been specialising in the property market for

over 65 years. The most important lesson we have learned is that there are no get rich quick schemes. However, with a mid to long term outlook and an expert partner at your side, we know that there is no better investment than property to provide better returns for you and your family.

Best regards

Howard Crocker Managing DirectorDelph Select

3

Delph Select

Uncovering good property investments takes months of careful research and analysis.

At Delph Select we are in constant contact with Developers, Builders, Estate Agents and Banks throughout the UK ensuring that we are fully aware of all the latest investment opportunities.

Each investment property that we offer goes through a rigorous and

thorough due diligence process, with the aim of ensuring a better return for our investors.

Delph Select embraces the operational ethics of conservatism, caution and care which continue to support our success and the success of Delph Property Group

If you want to invest in buy-to-let or even expand your existing portfolio, Delph Select could be for you. As

Financial security

Yield

Growth

Building better returns the hassle-free way

Unless we are 100% confident that these criteria are met, we will not proceed with the investment.

Our purchasing criteria are

well as offering you a wide choice of investment properties with high rental demand, we help you make the most of investing without any of the hassle.

We assist you every step of the way, from sourcing a Solicitor and an Independent Financial Advisor for your purchase, to organising the letting and management of the property on your behalf.

Please note: The value of your property investments can go down as well as up. In addition, your home may be at risk if you do not keep up repayments on your mortgage or any other debt secured on it. Please remember that Income Tax and Capital Gains Tax may be payable on any profit. We suggest that any potential purchaser seeks proper legal, tax and, if appropriate, independent financial advice, from a qualified professional adviser.

4

Our commitment to youAt Delph Select we have a continuous commitment to our clients. Our service is designed to make the process of buying and letting property easy and hassle-free so you can spend your time enjoying the return on your investment.

Due diligenceDelph Select uses the same rigorous vetting and due diligence procedure when buying for our investors as we do when buying for ourselves, with the aim of ensuring security, yield and growth of the investment.

Deposit protectionYour 10% deposit, paid on exchange, is protected under an NHBC* Buildmark Warranty (or similar scheme) ensuring your money is returned in the event the developer goes into administration.

Structural warrantyAll Delph Select properties have an NHBC* (or similar scheme) 10 year structural warranty, which includes cover for latent defects within the first two years from completion.

Stamp dutyWe will pay your stamp duty on properties priced up to £250,0001.

Solicitors feesDelph Select will contribute £400 towards your solicitor’s conveyancing fees when you purchase an investment from our portfolio 1.

Hassle freeDelph Select works alongside Letting and Management specialists Complete RPI to ensure a hassle free service at competitive rates for our investors.

1 Subject to terms and conditions, please ask for further details

* National House Building Council

Benefits of Delph Select

No introductory feesDelph Select does not charge you a fee for helping to identify the right investment property for you to purchase.

5

Birmingham: reasons why you should invest

Largest city economy outside London

Population set to grow by 8% between 2011 and 20211

Number of households set to grow by 9% between 2011 and 20211

HS2 will reduce journey times to london to 40 minutes2

BIG CITY Plan – 20 year plan including £10 billion investment, aims to provide 5,000 new homes and 50,000 new jobs

£600 million redevelopment of New Street station due to be complete in 2015

£129 million extension of Birmingham’s metro system to be completed in 2015

£200 million expansion of Birmingham airport

Birmingham has 5 universities and 78,000 students

Local house prices predicted to rise by 21.6% between 2014 and end of 20183

Major employers include Jaguar Land Rover, JCB, Kraft, Amey, Deloitte, Deutsche Bank, Cadbury and ASOS

Birmingham is the most visited city outside London for European visitors

It is also the youngest city in Europe with nearly 40% under 25 years of age

Jewellery Quarter produces an estimated 40% of the UK’s jewellery

Predicted shortfall of over 100,000 new

homes by 2031

1 Source: Knight Frank. 2 Source: Savills. 3 Work commences in 2017

6

Modern two bedroom apartments with secure parking available.

Located in Birmingham’s popular Jewellery Quarter.

Currently under construction - due for completion Spring/Summer 2015.

Buy at today’s prices.

Strong rental demand.

Close to shops and transport facilities.

About the development

7

The potential financial returns at Metalworks

When investing in property, your return can be worked out in a number of ways, including: the capital growth (the increase in value of a property over the long term) and the cash yield (the return you get from your cash invested). The following illustrations show how much you could receive as a return on your initial property investment if you purchase a new Metalworks apartment.

The potential return on your property investment

Cash % invested 25% 40% 60% 100%

Cash amount invested £42,500 £68,000 £102,000 £170,000

Mortgage required (%) £127,500 (75%) £102,000 (60%) £68,000 (40%) £0 (0%)

Purchase price £170,000 £170,000 £170,000 £170,000

Income received

1st year projected rental income £10,200 £10,200 £10,200 £10,200

Annual costs*

Interest-only mortgage payment 2.59%1 £3,302 £2,641 £1,761 £0

Letting & management fee 12% P/A (excluding VAT)

£1,224 £1,224 £1,224 £1,224

Service charge P/A £854 £854 £854 £854

Ground rent P/A £300 £300 £300 £300

Return

Total income £10,200 £10,200 £10,200 £10,200

Total costs £5,680 £5,019 £4,139 £2,378

Annual profit £4,520 £5,181 £6,061 £7,822

Return on your cash invested 10.6% 7.6% 5.9% 4.6%

Comparison

Cash ISA2 2.85%

Savings account3 2.85% Investment limit or lock-in period of up to 4 years

Annuity4 2% to 8% Fluctuates in line with long-term interest rates

Gilt5 2.97% Fluctuates in line with long-term interest rates

The figures below are based on buying a two bedroom, one bathroom apartment at Metalworks for £170,000 and let at £850 per calendar month, subject to an interest-only mortgage.

* Not including conveyancing and related purchasing costs - please ask for further details.

8

The potential capital growth of your cash invested

Cash % invested 25% 40% 60% 100%

Cash amount invested £42,500 £68,000 £102,000 £170,000

Mortgage required (%) £127,500 (75%) £102,000 (60%) £68,000 (40%) £0 (0%)

Purchase price £170,000 £170,000 £170,000 £170,000

After 5 years

Property value £197,077 £197,077 £197,077 £197,077

Increase in property value £27,077 £27,077 £27,077 £27,077

Gross return on cash invested 64% 40% 27% 16%

After 10 years

Property value £228,466 £228,466 £228,466 £228,466

Increase in property value £58,466 £58,466 £58,466 £58,466

Gross return on cash invested 138% 86% 57% 34%

After 20 years

Property value £307,039 £307,039 £307,039 £307,039

Increase in property value £137,039 £137,039 £137,039 £137,039

Gross return on cash invested 322% 202% 134% 81%

Please note: The value of your property investments can go down as well as up. In addition, your home may be at risk if you do not keep up repayments on your mortgage or any other debt secured on it. Please remember that Income Tax and Capital Gains Tax may be payable on any profit. We suggest that any potential purchaser seeks proper legal, tax and, if appropriate, independent financial advice, from a qualified professional adviser.

The figures below are based on buying a two bedroom, one bathroom apartment at Metalworks for £170,000 and assuming 3% growth per annum. (The forecast for house price growth in the West Midlands is 7% nominal growth, but it is likely that the Central Birmingham market will outperform).

Sources as at 1st September 20141. virginmoney.co.uk - Virgin Tracker Interest Only Mortgage, available at time of print2. money.co.uk - Yorkshire Building Society 5 year fixed ISA3. money.co.uk - Investec 5 year Step Up bond4. FT.com - Annuity Rates table, based on £100,000 and across age ranges5. Bloomberg - 30yr UK Gilt yield

9

The Jewellery Quarter is a designated conservation area and proposed World Heritage Site and is already a prestigious and highly desired part of Birmingham. It is experiencing further development as some of the old factories are converted into apartments, restaurants and shops. And it is only a short distance to all that Birmingham City Centre has to offer.

Metalworks is located in the heart of this historic district. It is currently the only new development of its kind in the area and will therefore encourage strong demand, capital growth and strong rental yields.

The jewel in the crown

GREAT HAMPTON ST

LIVERY ST

CAROLINE ST

NORTHWOOD ST

BROOK ST

COX ST

HALL

ST

KEN

YON

ST

KENYON ST

MARY ST

BRANSTON ST

SPENCER ST

TS E

SYV

HOCKLEY ST

AUGUSTA ST

MOTT ST

MOTT STHOWAR

D ST

WARSTONE LANE

WARSTONE LANE

ALBION ST

CLEMENT ST

EDWARD ST

POWEL

L ST

ARTHUR PL

POPE ST

CAMDEN ST

CAMDEN ST

SUMMER HILL TERRACE

VITTORIA ST

VITTORIA ST

FREDERICK ST

NEW

HALL H

ILL

NEWHALL ST

GEORGE S

T

CHARLOTTE ST

FLEET ST

SNAD PITS

SAND PITS

LIONEL S

T

LIONEL S

T

GREAT CHARLES ST Q

’WAY

WATE

R ST

REGENT ST

GRAHAM ST

HARFORD ST

BUCKINGHAM ST

CONSTITUTION HILL

GRE

AT H

AMPT

ON

RO

W

LEGGE LANE

CAMDEN DR

SUMMER ROW

ST PAUL’S SQUARE

GOLDEN SQUARE

ARGENT CENTRE

St Paul’s Church

St Paul’s

UniversityCollegeBirminghamCampus

AbbeyCollege

BIADSchool ofJewellery

Pen Museum

The BlueOrange TheatreJewellery

Quarter

The Universityof Law

UniversityCollegeBirmingham

1

2

36

27

7

11

16

17

28

37

18 38

39

24

23

29

8

35

13

26

36

34

10 40

932

4

12

21

19

33

30

22

25

20 14

515

31

Shopping1. Artfull expression2. Braderie Vintage and New3. El dorado4. Geosia Weber Handmade5. GM Glass Design

Bars6. Actress & Bishop7. Après8. Stirlings9. The Jewellers Arms10. The Red Lion11. The Vaults12. Vertu Bar

Restaurants13. Andersons Bar & Grill14. Big Nanny’s15. Blue Nile16. Fleet Street Kitchen17. Itihaas18. Lasan19. The Drop Forge

Cafes20. 24 Carat Bistro21. Deli Heaven22. Hylton Cafe23. Stan’s Cafe24. Urban Coffee25. Vee’s Deli

Essential services26. Dental Practice27. Medical Practice28. Post Office29. Tesco Express30. Barclays31. HSBC32. Lloyds Bank33. Police Station

Leisure34. Platinum Personal Training35. Fighting Fit City Gym36. Jam House37. Museum of the Jewellery Quarter38. RBSA Gallery39. St Paul’s Gallery40. Harris & Gibbs Hair

Jewellery Quarter amenities

Metalworks is located in the heart of Birmingham’s Jewellery Quarter

10

ASTONTRIANGLE

JEWELLERYQUARTER

ST GEORGE

COLMOREBUSINESSDISTRICT

ST CHAD

GUNSMITHSQUARTER

DIGBETH

CHARLOTTE ST

CHARLOTTE ST

BROOK ST

COLMORE ROW

UPPER DEAN ST

TEM

PLE

ST

DA

LE E

NDCO

RPORATI

ON S

T

NAVIGATION ST

THE PRIORY QUEENSWAY

CORP

ORA

TIO

N S

T

STEELHOUSE LN

MO

OR

ST Q

UEE

NSW

AY

HOLLOWAY HEADCOMMERCIAL ST

SEVERN RD

PARK

ST

NEW

CA

NA

L ST

MER

IDEN

ST

NEW ST

HILL ST

HIG

H S

T

SUFFOLK QUEENSWAY

HURST ST

PERSHO

RE ST

HILL ST

GREAT CHARLES S

T QUEENSW

AY

CORNWALL S

T

CAMBRIDGE ST

CLEMENT ST

ST VINCENT ST

LIONEL S

T

GEORGE ST

EDMUND ST

BARWICK ST

NEWHALL ST

SAND PITS

LIVERY ST

FREDERIC

K ST

NEW

HA

LL ST

ICKN

IELD

ST

GRAHAM ST

BULL ST

LLIH NOITUTITSNOC

SHADWELL ST

PRINCIP ST

ASTON ST

JENNENS RD

LUDGATE HILL

GAS STBERKLEY ST

SHEEPCOTE ST

GROSVENOR ST W

EST

GRANVILLE ST

SAND PITS

WARSTONE LANE

ST CHAD’S QUEENSWAY

JAMES W

ATT QUEENSWAY

SMALLBROOK QUEENSWAY

KING EDWARD RD

CORP

ORAT

ION

ST

1

2

3

48

13

31

32

14

18

19

17

20

21

2223

25

26

27

28

9

11

12

10

5

67

15

16

2429

30

33

New StreetInterchange

Chinatown

TheBullring

Arcadian

MarketsBirminghamCoach Station

Paradise CircusInterchange

Brindley Place

The Cube

The Mailbox

Broad Street

Paradise Circus

Selfridges

Moor StreetInterchange

Snow HillInterchange

JewelleryQuarter

St Paul’s

Bull StreetInterchange

Shopping1. The Bullring featuring Selfridges2. The Mailbox featuring Harvey Nichols3. Pavilions High Street4. The Great Western Arcade5. Piccadilly Arcade6. Burlington Arcade7. New Street High Street

Restaurants8. Opus9. Brindley Place10. Annexe11. The Karczma12. Warehouse Café13. Purnell’s14. Adams

Parks15. St Pauls Square16. Golden Square

Bars17. The Wellington18. The Old Joint Stock19. Post Office Vaults20. Brewdog21. Yardbird Jazz Club

Cinemas22. Cineworld23. Odeon24. Giant Screen Cinema, Millenium Point

City amenitiesArt Galleries & Museums25. RBSA Gallery, Brook Street26. St Paul’s Gallery, Northwood Street27. Turner Fine Art, Warstone Lane28. Museum of the Jewellery Quarter29. Birmingham Science Museum

Universities30. Aston University31. University College, Birmingham32. The University of Law33. Birmingham Metropolitan College

Area shown on p10

11

Call us today 0800 088 6080

www.delphselect.co.uk

delphselectbuilding better returns

The information contained in this promotional material is provided for general guidance and for illustrative purposes only. Whilst reasonable care has been taken in providing this information, Delph Property Group and its related companies and their representatives, consultants and agents (“we” or “us” “our”) and, where applicable, the sellers or lessors of a property whose agents we may be, accept no responsibility for, and, to the fullest extent permitted by law, exclude any liability for, any loss or damage whatsoever arising out of or related to the accuracy or completeness of any information contained in this document or for any action taken in reliance on such information by any person whether purchaser, potential purchaser, estate agent, advertiser, introducer or otherwise. We do not make any representation or give any warranty, guarantee, condition, undertaking or term either expressed or implied as to the condition, quality, state of readiness or fitness for purpose of any property. No person employed or engaged by or on behalf of us has any authority to make or give any representation or warranty whatever in relation to any property. This document does not constitute, nor constitute part of, an offer, contract, warranty or guarantee. The information contained in this document is subject to change.

You should take appropriate steps to verify any information contained in this document including visiting our site marketing suite and inspecting the property any other relevant documentation. We suggest that any potential purchaser should seek proper legal, tax and, if appropriate, inde-pendent financial advice, from a qualified professional adviser. Nothing in this document shall be regarded or taken as legal or financial advice.

Notwithstanding the generality of the above, please note that: (i) all descriptions, dimensions, references to condition and necessary permission for use and occupation, and other details are given in good faith and are believed to be correct, but no person, whether purchaser, potential pur-chaser, estate agent, advertiser, introducer or otherwise, should rely on them as statements or representations of fact, but must satisfy themselves by inspection or otherwise as to the correctness of each of them; (ii) commentary, descriptions, figures, calculations, example financial projections (including, where applicable, examples of possible rental income and yields), plans, images and representations are illustrative only; (iii) images and plans may include artist impressions and computer-generated images which are not to scale; (iv) changes to the property may be made during the further planning or development stages of any development or otherwise, and dimensions, fittings, finishes, ongoing costs and specifications and representations and any other aspect are subject to change without notice; (v) measurements provided are taken at the widest points of rooms, except on angled walls where the measurement is generally taken at the centre of the room; (vi) apartment numbers are for sales purposes only and postal addresses may differ; and (vii) all journey times stated are approximate.

The above notice and all issues regarding this promotional material are governed by English law.