5 0 / 5 0O W N E R S H I P
S C H E M E
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I N V E S T I N D U N A S B E A C H R E S O R T F O R O N L Y £ 5 1 , 9 7 4 A N D R E C E I V E 1 8 % P . A . G R O W T H F O R 7 Y E A R S
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50% Ownership Option
Purchase a 50% share in one of ourluxurious two bed apartments and earnunrivalled returns
65% Deposit
€1.25-£1.00 fixed rate on full deposit
5% Discount
Guaranteed mortgage options on 30% completion balance
Free incentives: Legal services & Free Hotel Excellence Furniture
Available for SIPP and Cash Purchases
50% SHARE
PAYMENT EXAMPLE
50% SHARE LIST PRICE = € 99,950
TOTAL DISCOUNT € 12,794 % DISCOUNT 12.8%
€1.25 - £1.00 = £ 51,974Fixed exchange Rate Deposit Required
30% on completion = € 29,985
2 BED APARTMENT
€99,950 x 65% = € 64,968
Euro Equivalent = € 57,171*
5% Discount = € 4,997
(via guaranteedmortgage)
Net price after 5% = € 87,156*discount and Ex rate
*The above calculations assume an actual spot €/£ rate of €1.10-£1.00
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50% Net Room Rate
Occupancy Days
Gross Annual Revenue
Owner Share 50%
Owner Expenses
Community Fee at 50%
Net Income for Owner
Return on Investment (ROI)
Rental Projections
“Global Average”
68% Occupancy
€75 per night
Rental Projections“On-Island Average”
80% Occupancy“Highest On-Island Occupancy”
95% Occupancy
248.20
€75 per night
292.00
€75 per night
346.75
€18,615 €21,900 €26,006
€600 (50% of annual £1,200 fee)
€600 (50% of annual £1,200 fee)
€600 (50% of annual £1,200 fee)
€8,708 €10,350 €12,403
68% 80% 95%
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10.0% 11.9% 14.2%
€9,308 €10,950 €13,003
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Guaranteed Mortgage
The Key Details
The Resort Group will contractually 'guarantee' to be the lender of the completion balance in the unlikely event the client is declined a conventional mortgage application
The Resort Group will agree to lend at the prevailing interest rates at the time of completion
100% of the client’s share of the net rental income generated will beused to pay off the mortgage
There are 2 guaranteed mortgage options to choose from
Option 1
100% of the client’s share of the net income will be used to pay off the completion mortgage until the balance has been paid
Once the completion balance has been fully paid, the client will, from then on, receive their share of net rental income and will fullyown their 50% share of the property
Option 2
100% of the client’s share of the net income will be used to pay off the completion mortgage for a minimum of 6 years*
If the mortgage balance has not been completely repaid in that time,100% of the client’s share of the net income will continue to be paiduntil the balance has been cleared up to a maximum of 10 years
After 10 years any remaining completion balance will be completelywritten off
Once the completion balance has been fully paid or written off, theclient will, from then on, receive their share of net rental income andwill fully own their 50% share of the property
* 100% of the client’s share of the net rental income will be paid to The Resort Group for a minimum of 6 years even if the completion balance is paid off within that time.
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MORTGAGE CALCULATOR(Assuming 8% interest - current prevailing bank rate)
RENTAL INCOME AT 68% OCCUPANCY = €725.66
Repayment mortgage = €719.35over 4 years, 1 month per month
COMPLETION MORTGAGE = €29,985
Assumed interest rate = 8%
TOTAL REPAYMENT AMOUNT = €35,247.24
TOTAL INTEREST PAYMENTS = €5,262.24
Based on an 8% interest rate and resort occupancy of 68%, the mortgage will be paid off within 4 years, 1 month!
PER MONTH
(€8,708 PER YEAR)
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Return on investment
Scenario 1 Sell 5 years after completion
(Total 7.5 year investment term)
Gross Price at reservation €199,900 (i.e. €99,950 x 2)
Value on completion €236,876 (conservative 7% growth during 2.5 year build cycle)
Assumed growth after completion(Conservative)
7% per annum for 5 years
Sale price after 5 years €332,231
Less Net Purchase Price €174,312 (i.e. €87,156 x 2)
Total Growth €157,919
50% share of growth €78,960
+11 months of mortgage free rental € 7,975 (€725 x 11 months)
GROSS 50% REVENUE €86,935
Less completion costs at 6.5% €6,497
NET 50% REVENUE Sterling Equivalent
€80,438£73,125 (assuming €1.10-£1.00 conversion rate)
INITIAL INVESTMENT REQUIRED £51,974
7.5 year ROI % 140.7%
Annual average ROI % 18.7%
Scenario 2 Sell 7 years after completion
(Total 9.5 year investment term)
Gross Price at reservation €199,900 (i.e. €99,950 x 2)
Value on completion €236,876(conservative 7% growth during 2.5 year build cycle)
Assumed growth after completion(Conservative)
7% per annum for 7 years
Sale price after 7 years €380,371
Less Net Purchase Price €174,312 (i.e. €87,156 x 2)
Total Growth €206,059
50% share of growth €103,030
+35 months of mortgage free rental €25,375 (€725 x 35 months)
GROSS 50% REVENUE €128,405
Less completion costs at 6.5% €6,497
NET REVENUESterling Equivalent
€121,908£110,825 (assuming €1.10-£1.00 conversion rate)
INITIAL INVESTMENT REQUIRED £51,974
9.5 year ROI % 213.2%
Annual average ROI % 22.4%
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