PG PROPERTY INVESTMENTS Located in the heart of Londons Mayfair. PGPI combines over 50 years experience in the United Kingdom property market creating one market leading development consortium. 2 Lending Repaid Land Developed Sqft Developed 210,000 £ 16m £ 36m £ 90m Gross Development Value Each investment opportunity is within a 1 hour commute of a central London Train Station. Maximising the appeal and Gross Development Value of every development. Our partners are specialists in land acquisition, construction and development. Our consortium has delivered projects in excess of £ 300m of gross development value in the last decade alone. Together we acquire fully consented land assets for residential property development in the South East of England. Create value for those we work with by utilising our combined extensive experience to embrace and develop exciting investment opportunities, whilst simultaneously capitalising on our established relationships. We instill investor confidence Offer our clients unique and high quality investment opportunities. Continuing to grow by consistently hitting targets and achieving objectives. Our mission is to source opportunities, build consistent value and secure desirable returns for the long term while building relationships by providing the best possible service to our clients. PGPI operates on a clear and simple ethical code backed by transparency, trust and integrity. PGPI offers investors a unique and exclsive, alternative investment strategy. Delivering return on investment whilst being geared towards supporting the construction of residential property stocks into the United Kingdom housing market. Our fixed income property bonds deliver the building blocks that help our clients achieve their investment goals. 12 Months 24 Months Monthly Annually Bi-Annually End of Term 7% 8% 9% 10% Investment Term Payment Frequency Rate of Return I N V E S T M E N T O P P O R T U N I T Y Investers are offered secured position on the land asset. Each unique fully approved scheme consists of residential property development opportunities in prime locations across the South East of England where there is demand for accessible family living space. Where regeneration is breathing more life into new areas. Investors can be confident. UK Government has designated these areas for regeneration stimulating economic growth and thus improving the qulaity of life for people living in those areas. Investors now have access to care home investment opportunities by way of a sale and lease back arrangement. Our chosen developers work closely with NHS trusts and local authorities to identify areas of significant demand and buy care homes where they are most needed ensuring a buoyant market and delivery of top tier solution for local authorities. R E S I D E N T I A L R E G E N E R A T I O N A S S I S T E D L I V I N G Your Investment is Building Energy Efficient Zero Carbon Living Space PG PROPERTY INVESTMENTS A regional house builder in the heart of Surrey. Known for high quality, well thought through design of family living spaces. Beaufort Homes prides itself of delivering desirable homes to growing communities. A mulit-award winning builder of zero carbon flats. Hailed as the UK most environmentally friendly flats builders. These developments pride themselves on having zero dependency on the grid utulisiing a leading sustainable technology. The UK arm of a listed company with a land portfolio valued in access of EU150 million. Peker Holdings uses it heritage and financial prowess to acquire land assets developing each acquisition through planning for residential property development. Pioneering sustainable architecture and design through regeneration projects, focusing on enhancing local communities. A certified B corp organisation Joseph Homes meets the highest standards of social and environmental performance. Our Development Partners Our Professional Partners UCAT provides Trustee management services. UCATS Corporate Trust team are experts in investments, finance, risk, compliance, as a bond/note trustee UCAT represents the interests of the bondholder/investor during the life of the transaction, enforcing the terms of the bond where required and acting as a link between the investor and PGPI the issuer. Gleeds is a world-class independent property and construction consultancy with over 135 years’ experience. Providing the governance across our projects providing specialist advice, safeguarding our clients' best interest from the complexity of construction and property projects. PGPI Ltd is an authorised representative of NextFin the trading name of Business Agent Ltd who are regulated by the Financial Conduct Authority FRN: 669880. PGPI works with Next Fin to provide IFISA options to our investors. After creating your accounts and completing a compliance and self certification process. Investors are able to create a new ISA or transfer an existing ISA using Nextfins fully integrated software in few simple steps. Making new IFISA creation or the transfer of your existing ISA provider easy. How PGPI Uses Your Money Your investment helps fund our stunning property developments. Our consorteum ensures that each development is expertly evaluated, aiming for competitive and achievable returns. After a site is acquired, our experts analyse costs to determine the correct funding structure for the project. Funding is a mix of commercial loans from banks – with PGPI equity making up the balance. We evaluate how much finance should come from iPGPI fixed-income portfolio. Our experts assess a range of commercial considerations, such as anticipated project duration and funding elements, to carefully create the right funding approach per developmet. Our priority is to ensure that the rate of return and profit share offered to investors is competitive and achievable. We analyse factors including security type property development location and profit margin, so investors have the complete picture. Our online platform allows investors to fund specific projects – ensuring you're involved in the development. Investors in our fixed-income portfolio will see the development added to the full range of funded projects. Mezzanine funding that is raised for the development is allocated to a Special Purpose Vehicle (SPV) that is created for each project – a dedicated company that is formed to undertake a specific business purpose or activity Fixed-income portfolio investors will receive either monthly, quarterly bi annual and annual returns. Direct investors in the project will receive all returns – including a share of any profit – usually once the project is completed. 1st Step 2nd Step 3rd Step 4th Step 5th Step 6th Step PG PROPERTY INVESTMENTS How to Invest 1 2 3 Create Account/Login Create New ISA Transfer ISA Invest in Loan Note Select Investment Sum Complete transaction Receive investor portal access Joining our investor community is simple to do in 3 easy steps. PGPI Offers 3 fixed income investment property bond vehicles Loan Notes IFISA New ISA IFISA Existing ISA transfer Capital at risk. No FSCS Protection. PG PROPERTY INVESTMENTS Select Investment Type Complete KYC Complete Self- Certification PG PROPERTY INVESTMENTS What is PGPI ? PG Property Investments PGPI LTD represents a consortium of UK house builders Investing in land assets in the South East of England for residential property development. We offer our investors a range fixed income property bonds / loan notes of a 1 or 2 year period. Investing funds into a single purpose vehicle in joint venture with our consorteum development partners on a development by development basis. Securing our investors interest with a legal charge against the land or property on development by development basis. What exactly is a Property Bond? Property investment bonds, also known as property bonds, serve as a medium for developers to secure funding from investors in the form of a loan. The main purpose is to provide financial support for projects in their initial stages of development Typically, these bonds establish a legally binding agreement between the property developer and the investor. The investor’s capital is lent to the development company, and the contract outlines the specific utilisation of the investment, the interest rate applicable to the investment, the methods employed to secure the capital, and the timeline for repayment to the investor. From the perspective of investors, the attraction often lies in the higher fixed annual interest rate, which is supported by a certificate and collateral in the form of the property being funded. FAQ PG PROPERTY INVESTMENTS Is a Property Bond a good investment? A good investment is a relative term as it depends on many factors, but yes in our opinion, Property bonds are considered a good investment. Property bonds are considered stable because they are known as secured investments. The bond is asset-backed and will be secured against one or more properties. Often these bonds are levied against a charge on land or property, which adds another layer of protection to investor capital. How do Property Bonds Work? Any company can issue bonds to raise finance, property bonds would ordinarily be issued by developers, and construction companies for the purpose of financing a new property development. In order for property bonds to be quantified as “secured” they need to be registered against either property or land with a legal charge. These “charges” offer security to the investors and are invariable registered on the title with the land registry office. How a bond works exactly will likely depend on the issuer, length of the agreement and amount of investment. But ordinarily, a bond will be issued between 1 – 5 years, whereby the holder of the bond (the investor) will be paid a pre-agreed amount of interest per annum with the ability to reclaim the capital invested in full at the end of the term. PG PROPERTY INVESTMENTS What is meant by a charge on a Property? A charge on property adds an additional layer of protection to the investors. Essentially when a charge is made on a property it all but guarantees its investors their capital back, even if there default or the construction company is unable to complete the proposed development. As with any investment the lower the risk, the lowers the return. So the return on a “charged” development will be substantially lower than that on an alternative property bond, In our opinion property bonds are already very safe, secure and well-moderated, although a property bond that has a charge against the development is attractive to very conservative investors, it is not right for the masses. What makes a Property Bond a “good investment”? As with any investment, there will always be pros and cons, in our view, the main benefits of investing in property bonds are: Experienced investors have the opportunity to build a diversified and balanced investment portfolio through property bonds. Property bonds invariably have the potential for higher returns compared to traditional savings and investment products. These bonds are typically asset-backed, providing security through a legal charge on the underlying property and land. If held in an Innovative Finance ISA (IFISA), Self-Invested Personal Pension (SIPP), or Small Self-Administered Scheme (SSAS), property bonds may offer the potential for tax-free returns. To provide an additional layer of protection, some property bonds appoint an Independent Security Trustee. In summary, property bonds present experienced investors with the chance to achieve higher returns, enjoy asset- backed security, explore tax-free options within certain investment accounts, and potentially benefit from the involvement of an Independent Security Trustee for added protection. As with any investment, the term good is relative to the person who wishes to invest. The reasons that we advocate property bonds is that they have: Fixed Interest Rates Fixed interest rates allow investors to know exactly how much they stand to gain from any one investment. Having this information allows for more astute decisions when budgeting, investing and risk management. Asset-backed Investment Most investors revere opportunities where their capital has some level of protection. Property bonds by their very nature are protected against either land or development. PG PROPERTY INVESTMENTS Asset-backed Investment Investors frequently seek out investments that will preserve their cash; investments backed by real estate and land are thought to be safer than those that do not have a secured asset. Exit Options That Can Be Used in a Variety of Situations Typically, property bond arrangements include early exit alternatives for investors. This “early exit” “clause” allows the investor to terminate the agreement before the expiration date, allowing them to retrieve their funds sooner. Taking advantage of this early departure clause, however, frequently means the investor will have to forego any outstanding interest payments. The Benefits of Convenience When compared to traditional property investment, purchasing property bonds can be an easier and less time- consuming process. When looking to invest in a property for the purpose of making a profit, there are a number of factors to consider before entering the UK property market. When investing directly in the property market, you must account for things like council tax, estate agents, and tenancy issues, as well as stamp duty, insurance repayments, and maintenance fees. Property bonds are a simpler alternative to stocks and shares for investors, with lower volatility and better security when backed by assets. They enable investors to simply invest their money and take a hands-off approach to profit generation. PG PROPERTY INVESTMENTS Are Property Bonds the correct investment for you? This could be a fantastic alternative for you if you’re seeking for a strategy to create passive income from your investment that pays regular and reasonable rates of interest. A property bond investment may be an excellent option for you if you’re looking for an investment that protects your money by securing it against assets. For any potential high-net-worth individual, skilled investor, or self-certified investor, property bonds might be a highly appealing investment choice. Before investing in any form of investment, we urge that you get competent financial counsel. Are Property Bonds a Safe Investment? The history, credibility, and terms supplied by any particular issuer are the key risk factors when investing in property bonds. That us why the PGPI consortium consists of award winning construction home builder brands and land acquisition specialists each with there own individually impeccable credentials. Further enhanced by our governance framework through our professional partners. Thus Ensuring a PGPI property bond is trustworthy with a track record of delivering returns for investors on time, completing projects on time, and, providing a legal charge for security. Risk Statement You should never invest in anything you don’t understand, and you should always do your homework before making a decision. It’s important to keep in mind that these investments are aimed at a) High Net Worth Individual or (b) Self-Certified Sophisticated Investor. If you do not meet these criteria, you must not take any further action. This document our website and associated materials assumes you have a clear understanding of investments of this type and is provided to prospective investors to evaluate the investment being offered. Before you will be able to view the offering, you must certify your investor status. PG PROPERTY INVESTMENTS www.pgpropertyinvestments.com London Devonshire House 1 Mayfair Place First Floor London W1J 8AJ +44 203 059 9556 Welcome to our investor community Dublin 77 Sir John Rogerson's Quay Block C Grand Canal Docklands Dublin, D02 VK60 +353 1 575 6044