marbella - exceptional real estate opportunities

Privileged Access to Exceptional Property Purchase Opportunities

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Marbella’s Exclusive Property Auctions

Marbella Property Club – SMD LifeStyle Ltd – Copyright 2012 – All Rights Reserved – Unauthorised redistribution prohibited 2

Contents

The Opportunity page 3 Marbella Property Club page 5 Marbella Property Auctions page 6 ‘The List’ page 8 Membership page 10

Fees page 11 Investors page 12 About the Club page 15 LifeStyle Group page 16 Contact details page 18

Aspirations become reality


Marbella – The Opportunity Marbella is a unique place, it practically has an independent economy propped up by tourism and money brought in by private foreign investors, and as a result increasingly more and more people seeking homes abroad are for the Marbella lifestyle. "Many places in Spain are prime places to invest right now, in spite of what you may read or see on news, the Costa del Sol and in particular Marbella and the surrounding area are a first choice for people from all over Europe seeking a second home and indeed those relocating to sunnier climes.”

The town has had an affinity with the rich and famous ever since the playboy Prince Alfonso von Hohenlohoe founded the swanky Marbella Club Hotel for his jet set friends in the 1950’s. This connection has resulted in strong links with extremely wealthy individuals from around the world who remain attached and integral to Marbella society. Whilst the downturn all but annihilated the Spanish property market, Marbella has weathered the storm well and currently stands out as one area where recent statistics actually show positive movement in relation to other areas of Spain.

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That said, the economic turmoil and resultant financial hardship has forced hundreds to abandon Marbella, countless more, again for financial reasons are desperate sell. The property crisis has created a unique opportunity. Real estate assets can be acquired for exceptionally low prices, and activity in the market shows that a number of shrewd investors have already realised that there are significant profits are to be made. The latest boost that Marbella received was the announcement of the finalisation of the multi million Euro Port Al Thani project, to

expand and develop the old Marbella port, into a huge marina, which will service passing cruise ships, and provide, new retail and commercial centres, and very much welcomed extensive underground parking. The development is part funded by a massive €400M investment by Qatari Royal family member, Sheikh Abdullah Bin Nassar Al Thani, who in June 2010 reportedly purchased the football club Malaga CF for €36M. Over the next 4 years and will completely transform the approach to Marbella, generating and attracting significant income in the town.

There couldn’t really be a better time to buy property in and around Marbella.

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Privileged Access to the Best Purchase Opportunities In Marbella At Marbella Property Club, we leverage an established network of industry contacts, relationships with banks, and lawyers, for example, to secure the best purchase opportunities in Marbella, many of which will never be presented on the open market. We then provide our members with access to these desirable properties which are all available to purchase at significant discounts to current market value. We are uniquely positioned to find and secure the best purchase opportunities for our members and to line up opportunities with those who can make the most of them and provides a property purchase and investment platform which allows private buyers and

investors alike to purchase from an exclusive list of properties at prices that are significantly below market value. The concept for investors is simple, buy low, add value, sell competitively and enable members to maintain high profit margins. Whilst the strategy is perfectly suited to investors, we also facilitate one off property purchases private property purchasers who are buying for personal use and who are looking to save money or get more for their money rather than seeking investment returns. We find opportunities through various channels, however by far the best source is the auctions at the Principle Courts Marbella.


Marbella Property Auctions The auctions are held every month in Marbella. There are a variety of reasons why a property ends up at these auctions, for example embargoes for unpaid taxes or other unpaid debts, and all arrive at auction as the creditors follow the legal process to recover monies. The vast majority of properties arrive at auction as a result of defaulted mortgage loans and the auction is part of the procedure for the lender to recover the debt prior to forced repossession, i.e. bank foreclosure. Properties often sell at these auctions for less than 50% of the current market value; however the auctions operate behind closed

doors, with the most outstanding deals normally being acquired by a select group of ‘connected’ individuals and their associates. The Club has formal direct representation at every auction and can therefore able offer its member’s access to the 80 -100 property deals that pass through the property court auctions each month. The objective of the Club, in regard to these auctions, is to establish a long term and mutually beneficial working relationship with select private individuals and a small group of investors, or investment fund, to benefit and profit from the opportunity that the auctions present due to tremendous discount on market value.


Court auction properties can only be bought with cash, and are only available to purchase in a short window. Past auction properties are made available in the member’s area of our website, demonstrating the fantastic opportunities that exist. We also provide our members who are ready to buy with up to date schedules of properties due at auction. The property auctions are conducted in court, and presided over by a Judge appointed by the Marbella Judiciary. The actual properties due at auction are published in the auction rooms usually just a week or so prior to the auction. This doesn’t leave a lot of time for someone planning to buy, so when an auction list is confirmed the buyer needs to be ready and able to purchase immediately.

Property & Bidding Our team of experts carry out due diligence includes full check of deeds and title, analysis of the encumbrance in relation to last sale / purchase price as well as previous and current market valuations and recent sale price of comparables. Whilst in many cases it may not be possible to inspect the property internally, in most cases an external inspection will be carried out and a view of the interior gained. Being able to view from the outside or through a window isn’t sufficient for us to categorically state the condition of the inside. We therefore build into our evaluation and assessment, an expectation that every property will require some work, whether that is straight forward redecoration or more extensive refurbishment. In each case our assessment will be reflected in the amount we recommend as a prepared bid.

Whilst we will make recommendations regarding bidding, we do not act in any capacity as property investment advisers. We provide our member with all the information and consultation required, to make an educated decision on the final amount of maximum bid. Our recommendations for private purchasers and investors may vary, as someone wishing to purchase for personal has more leeway to bid higher than an investor purchasing to resell for a profit.

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‘The List’ As auction lists are revealed at short notice, we track properties direct from the banks and non-publicised court information. This way we become aware of properties that are due at auction, as much as 6 months in advance and can therefore give our members an advantage and more time to plan and make decisions. Although the fact remains, the buyer must always expect to have no more than 2 week’s notice of the date of the auction of the property that they intend to buy. Our foreclosure specialists have been tracking Marbella auction property in this way for the last two years, and have recorded every

auction property since August 2009. This gives us a wealth of information and we therefore have an exceptional insight, knowledge and understanding of this unique purchase method.

Facts & Figures

Marbella real estate peaked at 3353 per sqm in Q3 €2006

The average price per sqm over the last 7 years is €2800

In the last two years average price has settled at €2,350.

We select properties reduced to €700 - €1,500 per sqm.

We aim for a purchase at 30% - 65% of current selling price.


As and when we receive new information, usually on a weekly basis, we compile a shortlist of exceptional opportunities, having analysed the full list of all available auction properties. Our team of real estate experts, financial consultants and legal advisers carry out research and due diligence in order to make sure only the best purchase opportunities make ‘The List’. ‘The List’ provides full ‘land registry’ details of each property and any additional information that our research team have been able to obtain. It gives a guide price for each property, which is typically 50% of the last valuation and also details the amount of funds (deposit) that must be lodged in the courts bank account for each respective auction property. This amount is 30% of the given guide price of the auction property.

Marbella Property Club members can view the most up to date lists in the members area of the Marbella Property Club website Non members can view an example list compiled from properties from past auctions. This list also states the actual auction sale price where known. Successful bidders have approximately one week to complete the purchase. If the bid is not successful the deposit payment is refunded immediately. We do not handle this money; it is deposited directly into a designated court controlled account set up specifically for purpose This whole process is taken care of by the lawyers acting on behalf of the buyer. The purchaser can use our lawyers, use an alternative firm recommended by us, or have legal representation of their own choice.





Membership & Fees The service we offer providing access to Marbella Auctions is exclusively available to Marbella Property Club members. It’s free to register for membership and get access to the member area of the Marbella Property Club website. Once you have registered, you may also subscribe in order to be regularly kept up to date with new opportunities.

Basic subscription - £15 monthly or £150 annual Access to our regular schedule of opportunities plus:

Free consultation

Expert Guidance

Access ‘The List’

News & Updates

Privilege - £450 lifetime Access to our premium schedule of opportunities, all basic benefits, plus:

Access ‘Directors Choice’

LifeStyle Services

Privilege Partner Advantages

Concierge


Purchase Fee When a member enlists our services to buy an auction property, we require a €1000 commitment fee & proof of funds. This fee is offset against the purchase fee. The fee is applicable for a successful purchase at auction and is a fixed fee plus a percentage of the purchase price. Note: Some third parties may charge their own fees – we have no control over any fees levied by introducers who use our services.

The fee does not include the legal fees to complete the transaction, the government transfer tax of 8%, the land registry notary fees or legal and conveyance costs. We can recommend a lawyer or you may appoint your own lawyer. When you instruct us to bid on your behalf, we require a purchase fee deposit of the fixed fee; this is fully refundable in the event that your bid is unsuccessful.

The commitment fee can only be deducted from the purchase fee and is therefore non-refundable.

Fee Schedule Fixed fee - €7,500 Plus 1.5% of purchase price* *If you are purchasing via an estate agent you should be aware

that they will levy a finder’s fee. This amount is usually around 5% of the purchase price.


Investors We offer investors the option to pay reduced purchase fees and work on a profit share basis based on price achieved at resale.

Profit Investor share Our share Up to €100,000 70% 30% €100,000 to €250,000 75% 25% €250,000 to €500,000 80% 20% Over €500,000 85% 15% Our expertise is invaluable in when it comes to buying at auction to resell and as we work on a profit share basis we have a vested interest in making sure that we only select and recommend properties that we know can be resold in the short to mid-term for a profit. The next section of this presentation covers the types of opportunities available and the services that we provide for our investor members.


The Resale Opportunity We understand the basic principle which many novice property investors miss. Whilst the selling price is of course very relevant, the overall cost to acquire is most important. This is why we recommend our investors purchase via the auctions, a channel which guarantees the lowest purchase price in the current market and therefore also guarantees the best potential profits..5

Land, projects, complete developments, hotels and a selection of other commercial real estate is sourced and highlighted by our team of specialists to offer to members.

We assist our members in the execution of domestic renovation and smaller building projects, however, there are and always will be a significant number of opportunities that are suited to experienced property developers or professional investors.

Whether you are a property developer or an investor seeking opportunities to fund short to medium term, Marbella Property Club can present you with an abundance of options, many of which will already have a clear exit in place.

We can also provide you with solutions for ongoing financing or refinancing to give you capital to make further investments.


Auctions are not for everyone, the majority of buyers need to see, touch, and experience what they are buying. Investors, who are familiar with the dynamics of the real estate market, will understand that, as long as the right property, is acquired at the right price, they will be able to turn in a profit, even if it does require, redecoration, renovation or complete reform. Our experience and the research that we carry out, means we have a good understanding of the prices of property in given areas and can therefore determine a maximum bid recommendation that will allow sufficient margin to fit a resale strategy. Typically the properties that we present to our investor members can be acquired for between 30 and 50% of their current market value, ample margin to cover purchase costs and carry out works to add value to the property and turn it into a product that can be sold at a market price discount to the ‘touchy feely’ buyer. We seek properties which in the current market can expect to resell within 1 year, although in some highly sought after locations this timescale can be significantly lower. Such sought after hotspots

have a constant demand for properties from the mid price brackets upwards. Places like The Golden Mile, areas to the east of Marbella, beachside, golf locations and those with sea views always sell before similar properties that don’t have these features. As we will share in the profit from the resale we have a vested interest in achieving resale, and we have an advantage in the market in that we are able to offer your resale auction properties below the current market asking price. We only market, promote and sell our clients and members property and we do this via an extensive network of professionals, which includes 1000’s of IFA’s, private clients and real estate agencies in various locations though out Spain, and worldwide. We also list on both of Spain’s top estate agency networks, Info Casa and Re-sales online, as well as our dedicated Costa del Sol Property Club website, and other group and partner websites, such as rent to buy specialists Try It Buy It Property. These various channels give us access to 100’s of purchase enquiries every week, and a solid platform from which to promote your attractively priced resale real estate product.


About The Club The Marbella Property Club was created by Samuel DeMalfort, Managing Director of SMD LifeStyle Group, a company which specialise in providing professional services for expatriates and foreigners who frequently spend time in Spain. Samuel followed a successful career in Financial Services in the UK before relocating to Marbella with his family. He is a qualified financial adviser and also worked for a number of years in senior management roles including appointments with two of the UK’s largest financial institutions. The group has a number of strategic partnerships with companies primarily in the UK and Spain. These include law firms, accountants, architects, financial institutions, currency brokers, IFA’s and other professionals. The Group is an authorised representative of Lloyds TSB Bank (Gibraltar) Ltd and in Spain works closely with, Spanish mortgage and foreclosure specialists, Fluent Finance Abroad and the 105 year old Gibraltar and Spanish Law firm Triay & Triay.


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To find out more about Marbella Property Club and the exclusive Marbella Property Auctions, visit our website, or email us and request further information or a call from one of our specialists.

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If you would like to learn more about SMD LifeStyle Group, our informative website provides a wealth of

information about us and the services that we offer. You can also contact us by email, skype or telephone.

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