The content of this promotion has not been approved by an authorised person within the meaning of the Financial Services and Markets Act 2000. Reliance on this promotion, for the purposes of engaging in any investment activity, may expose an individual to a significant risk of losing all of the property or other assets invested. PANORAMA GARDENS INVESTMENT REPORT WWW.AVANTISWEALTH.COM
PANORAMA GARDENS INVESTMENT REPORT OVERVIEW COMPANY NAME Panorama Gardens INVESTMENT AIM To fund the development of land located in Apahida, Cluj, Romania, into a residential gated community consisting of starter homes for young families. INVESTMENT TYPE Loan Note LISTED: EXCHANGE or NON-LISTED Non-listed WRAPPER TYPE Available in a SSAS and direct Cash. SPECIAL FEATURES Supported by the Romanian government s Prima Casa (first house) initiative. Approved by the British Romanian Investment Council and was awarded its highest grade. 2
ABOUT THE INVESTMENT This is a residential development in a gated community being built by an experienced UK developer in one of Europe s fastest growing economies. The national government is supporting this project through the Prima Casa (first house) program, designed to help first time buyers into property ownership. This is a short-term investment for just 24 months. Depending on the options selected, investors will either receive 10% p.a. net via quarterly payments, or receive the relevant interest upon maturity. Investors benefit from security with a first legal charge over the land as well as a debenture over the development company. This is a good time to invest in a strong European economy. Romania enjoyed fantastic growth during 2016, achieving the high GDP outturn in the EU. This strength is expected to continue in 2017. The local property market in Cluj is buoyant with prices rising fast posting an impressive 12.4% in 2015 and still going strong the following year. Demand is outstripping supply with nearby developments completely sold out, adding to the attractiveness of this exciting investment opportunity. Investors have the benefit of many development risks either eliminated or much reduced. For example: planning consent has already been gained, sales have been achieved, and construction costs quantified. The combination of an excellent return within a short timescale of just 24 months means that this investment opportunity stands to really benefit the investor. DUE DILIGENCE We undertake thorough, lawful due diligence procedures and processes in relation to all investments within our portfolios. We have a risk averse appetite for any financial and regulatory risk(s) that could impact our business. This means that the avoidance of risk and uncertainty in these areas is a key company objective. Where possible, we are happy to share the original source material contained within our Due Diligence file. This is on the basis that the investor understands it was created for the sole purposes of Avantis Wealth Ltd and does not constitute advice from Avantis Wealth Ltd. You can request a copy of our Due Diligence & Risk Management Statement by emailing compliance@avantiswealth.com or by calling 01273 447299. For Panorama Gardens, an exceptional amount of Due Diligence is available for review including: Investment Guide Cadastral Land Registration Evaluation Report Various Department Approvals INVESTMENT RISK - GENERAL Investment involves risk. In general, you should only invest in financial products that you are familiar with and understand the risks associated with them. The investment risk described here is not exhaustive, you should carefully consider your investment experience, financial situation, investment objective, risk tolerance level and if you have one, consult your independent financial adviser as to the suitability of your situation prior to making any investment. INVESTMENT RISK - SPECIFIC WHY WE LIKE IT This is opportunity is being constructed within a growing European tiger economy. Investments in Panorama Gardens are subject to risks in relation to: Financial performance - The ability of the company to service the Loan Notes will depend on the financial performance of the development. Costs of construction - There is no guarantee that the construction of properties can be completed within budget, or within the available funding resources. Reliance on sales - The Company has no guarantee for sales to be achieved prior to maturity of the Loan Notes. 3
F.R.E.S.H. INVESTMENT STRATEGY % F. > FIXED INCOME Deferred option Invest from 20,000 (GBP or EUR) Deferred option Invest from 50,000 (GBP or EUR) Deferred option Invest from 100,000 (GBP or EUR) Income option Invest from 20,000 (GBP or EUR) Payment Terms Interest is paid upon maturity Interest is paid upon maturity Interest is paid upon maturity Interest is paid on a quarterly basis R. > REWARDING RETURNS Return 20% (10% p.a.) 26% (13% p.a.) 30% (15% p.a.) 10% p.a. Option to roll up Yes Yes Yes No Capital Growth potential No No No No Bonus No No No No E. > EXIT STRATEGY Exit process Early exit / penalty if any Payment on maturity of loan note. Developer has option to extend by 6 months. Subscribers to the Loan Note are expected to hold the investment until full term. S. > SECURITY Two types: Firstly, there is first charge security over the land divided into individual plots. Secondly, there is a fixed and floating charge over the assets of the development company. See FAQs page 6. H. > HANDS-OFF No involvement required. Development company runs project. Updates Investor updates are supplied on a quarterly basis. 4
WWW.AVANTISWEALTH.COM INVESTMENT REPORT COMPANY FACTS SENIOR MANAGEMENT TEAM A strong combination of over 30 years of property investment, property development, and construction experience. MINIMUM INVESTMENT 20,000 GBP or EUR MONEY FLOW The investor requests subscription to the loan note by completing an expression of interest. Once this has been received by the investment provider, a Loan Note Offer is produced so that the investor can fund. Once the Loan Note Offer has been signed and the investment funded, investors are provided with a Loan Note Certificate. On the closest business day to the maturity date, the capital and any unpaid interest is paid in full. STRUCTURE UK Special Purpose Vehicle (SPV) LOCATION Cluj-Napoca, Romania TERM 24 months WHY WE LIKE IT The project has the support of the Romanian government and the British Romanian Investment Council. 5
FREQUENTLY ASKED QUESTIONS 1. 2. Q. What is the project? A. A straightforward property development, constructing 75 houses for first and second time buyers. The properties include a mix of semi-detached and detached houses of 140 150 sq m of built area, with three bedrooms, two bathrooms, gardens and parking spaces. Q. What security is in place for investors? A. There are two types of security. Firstly, there is first charge security over the land divided into individual plots. First charge means that no other lenders, including the owners of the project, have preference in the event that the security is called upon. Secondly there is a debenture (fixed and floating charge) over the assets of the development company. The security is held by Panorama Gardens Ltd, a UK limited company, on behalf of all investors. 3. 4. 5. Q. Is full planning consent in place? A. Yes. The planning requirements to take a project of this scale from a green field site to full planning is involved and time consuming and has taken the best part of two years. Q. How long will the project take? A. To build and sell all 75 houses is planned to take 24 months, ending mid 2017. Q. Why such a generous return of up to 30% for 24 months? A. The Panorama Gardens team set the rate of return for investors to be: a) Attractive for them, and b) Below an equity participation rate. The rate reflects a return of up to 1.25% a month, which is considered to be a fair and representative rate for a development of this type. WELCOME TO AVANTIS WEALTH ABOUT US Avantis Wealth is a specialist in high income, alternative investments. We help clients achieve market leading returns of 7%-15% per annum from their pensions, investments, and savings, potentially leading to greater financial security and a better quality of life. By investing in asset-backed opportunities and utilising our F.R.E.S.H. investment strategy, you may be making a welcome addition to your portfolio by diversifying your investments. At Avantis Wealth, we work hard so that you can make informed decisions with your money. OUR TEAM Work with Avantis Wealth and benefit from our strength of experience and understanding of property and assetbacked investments. The senior management team offers over 100 years of combined experience in property and investment. We are highly focused on achieving the very best from your investments. VALUES The relationship with you is the most important asset we have. Therefore, we work hard to earn and keep your trust. These four values underpin the decisions we make and the way in which our company operates. INTEGRITY RESPECT HONESTY RESPONSIBILITY 6
THE F.R.E.S.H. INVESTMENT STRATEGY Our F.R.E.S.H. investment strategy enables us to offer a comprehensive range of high return alternative investments to meet your financial goals. Investments selected using our unique F.R.E.S.H. criteria offer our clients the opportunity to significantly improve their income now or in retirement. F. R. E. S. H. % FIXED INCOME an income you can rely on REWARDING RETURNS typically 7%-15% annually, sometimes more EXIT STRATEGY knowing when the investment matures with confidence you can exit SECURITY to protect your capital in the unlikely event of a problem HANDS-OFF more time to get on with your life because you won t need to get involved THE ASTUTE INVESTOR CLUB The Astute Investor Club is for High Net Worth and Sophisticated Investors seeking high return alternative investments that can provide a transformational level of income. The club provides a program of expert alternative investment information, education, networking and support to help you take control of your alternative financial future. Astute Investor Club members enjoy a wide range of features and benefits: INVESTMENTS Complete access to all investments from Avantis Wealth Downloadable investment reports Complimentary pension review For qualifying investors, access to all Plutus Portfolio investments Pre-release information about new investment opportunities EVENTS Invitations to seminars Invitations to webinars Invitations to social and networking events EDUCATION AND INFORMATION Monthly enewsletter Quarterly Astute Investor Magazine Complimentary Special Reports Complimentary Investment Guides Investment reviews and trending topics BENEFITS Free to join 10% discount on costs of attending paid for events Complimentary copy of our new special report, How to use the F.R.E.S.H. Investment Strategy to achieve 7%-15% net annual returns JOIN NOW VISIT WWW.AVANTISWEALTH.COM/CLUB 7
Avantis Wealth Ltd. 8 The Drive Hove BN3 3JA www.avantiswealth.com invest@avantiswealth.com 01273 447 299 0800 612 0880 NOTICE TO INVESTORS This financial promotion is exempt from the general restriction (in section 21 of The Financial Services And Markets Act 2000 (Financial Promotions) Order 2005) on the communication of invitations or inducements to engage in investment activity on the grounds that it is made to a: Certified High Net Worth Investor (Section 48 of the Act), or Certified Sophisticated Investor (Section 50 of the Act), or Self-Certified Sophisticated Investor (Section 50a of the Act), or Members of an association of High Net Worth or Sophisticated Investors (Section 51 of the Act) Details of what is required to qualify as a certified High Net Worth Investor (Section 48) or a Self-Certified Sophisticated Investor (Section 50a) as above can be viewed in detail at www.avantiswealth.com/disclaimer. Any individual who is in any doubt about the investment to which this communication relates should consult an authorised person specialising in advising on investments of the kind in question. If you do not qualify in one of the categories above and have therefore received this communication in error, please delete it as any investment mentioned in this financial promotion is only available to investors who qualify in the specified categories. DISCLAIMER Avantis Wealth Ltd is not authorised or regulated by the Financial Conduct Authority. Avantis Wealth Ltd does not provide any financial or investment advice. We provide a referral to a regulated advisor who will offer appropriate advice, or to the company offering the investment who will determine your status and suitability prior to any offer being made. We strongly recommend that you see appropriate professional advice before entering into a contract. The value of any investment can go down as well as up and you might not get back what you put in. You may have difficulty selling any investment at a reasonable price and in some circumstances, it may be difficult to sell at any price. Do not invest unless you have carefully thought about whether you can afford it, whether it is right for you and if necessary consult with a Professional Advisor in accordance with the Financial Services and Markets Act 2000. This investment is not regulated by the FCA or covered by the Financial Services Compensation Scheme and you will not have access to the Financial Ombudsman service. Information is provided as a guide only, is subject to change without prior notice and doesn t constitute an offer of investment. 2017 Avantis Wealth Ltd. All rights reserved worldwide. VERSION: PGIR_JUNE_2017