PROPERTY MARKET IN UK These days after credit crunch property market in UK isn't in These days after credit crunch property market in UK isn't in

great shape. With bank tide up lending criteria month by great shape. With bank tide up lending criteria month by month, large issues with small deposits and debt issues of month, large issues with small deposits and debt issues of customers selling of NEW HOMES become extremely customers selling of NEW HOMES become extremely difficult. difficult.

OF COURSEOF COURSE you know your market WELL that is why we you know your market WELL that is why we don't want to waste your time mourning about how BAD don't want to waste your time mourning about how BAD housing market it. housing market it.

BUT …BUT … We have solutions to make We have solutions to make you selling you selling more and more propertiesmore and more properties without any risk without any risk and extra costs. and extra costs.

HOW …HOW … You will know by end of this You will know by end of this presentation ! presentation !

OPPORTUNITY TO GO WITHOPPORTUNITY TO GO WITH Over last 6 years due to expansion of European Union more then 3 Over last 6 years due to expansion of European Union more then 3

millions of Eastern Europeans arrived to UK. Many of them came millions of Eastern Europeans arrived to UK. Many of them came from different backgrounds and represents solid working class. As from different backgrounds and represents solid working class. As they decided to create new home in Britain they will look for they decided to create new home in Britain they will look for opportunities to settle down for good. One of the steps leading to opportunities to settle down for good. One of the steps leading to this is to this is to BUY FIRST PROPERTY in UK BUY FIRST PROPERTY in UK which is going to be a which is going to be a main aspect of living for every single family.main aspect of living for every single family.

BUTBUT … … For foreigners is NOT easy to buy property For foreigners is NOT easy to buy property this daysthis days

WHY ???WHY ??? Most of them Most of them can't speak good Englishcan't speak good English Most Most don't understand culturedon't understand culture of Britain of Britain They They don't understand how process of purchasing property don't understand how process of purchasing property

lookslooks in UK in UK They have They have difficult situationdifficult situation regarding income, address history, regarding income, address history,

etcetc They need help and support from consultants who understand They need help and support from consultants who understand

they needs and speak they needs and speak same language with full understanding same language with full understanding of cultural aspectsof cultural aspects

WHY EASTERN EUROPEAN WHY EASTERN EUROPEAN CUSTOMERS ARE GOOD FOR YOU CUSTOMERS ARE GOOD FOR YOU

We could explaine you cultural aspects and Eastern European We could explaine you cultural aspects and Eastern European foreigners way of thinking, but this is NOT that important foreigners way of thinking, but this is NOT that important like fact and figures we collected over last years. like fact and figures we collected over last years.

Profile of Eastern European CustomersProfile of Eastern European Customers70-80% have 10% or more deposit ready to pay70-80% have 10% or more deposit ready to pay

( becasue they working long hours and save most of income ) ( becasue they working long hours and save most of income )

80% - 90% have very good credit score80% - 90% have very good credit score ( becasue they rarely ( becasue they rarely borrowing and going into arreas with payments ) borrowing and going into arreas with payments )

80% - 90% are young families with children, full time 80% - 90% are young families with children, full time employedemployed

50% - 60% paying more rent then they could pay for 50% - 60% paying more rent then they could pay for mortgage instolements mortgage instolements

Majority is ready to buy now to get into property Majority is ready to buy now to get into property ladder ASAPladder ASAP

ONLY THING IS THEY NEED HELP TO START

Let’s make a business togetherLet’s make a business togetherOur aim is to simply build the bridge between reliable Eastern Our aim is to simply build the bridge between reliable Eastern

European client and top class development company to let people European client and top class development company to let people purchase property in UK. purchase property in UK.

We introduce pre qualified customers looking We introduce pre qualified customers looking

for properties to developerfor properties to developer We deal with Eastern European customers introduce by We deal with Eastern European customers introduce by

developer to us to make qualified them and made sale developer to us to make qualified them and made sale each and every timeeach and every time

We speak Polish as other Eastern European languages and We speak Polish as other Eastern European languages and understand cultural aspect of customers.understand cultural aspect of customers.

We are experienced and reliable partners and deal with We are experienced and reliable partners and deal with customer accross whole of UK.customer accross whole of UK.

We support our customers advise them to choose the best We support our customers advise them to choose the best property tailored for their needs and make sale for property tailored for their needs and make sale for developer.developer.

We are working with partnership with Home Buy, First Buy We are working with partnership with Home Buy, First Buy management companies such as Plum Life to make all management companies such as Plum Life to make all administration process easy for customer and developer.administration process easy for customer and developer.

Let’s make a business togetherLet’s make a business togetherWe are working together with Financial Brokers LTD We are working together with Financial Brokers LTD

directly FSA authorised mortgage and protection broker directly FSA authorised mortgage and protection broker who provide all service for Eastern European foreigners in who provide all service for Eastern European foreigners in them own languages. Financial Brokers LTD is whole of them own languages. Financial Brokers LTD is whole of market broker, with access to all banks and building market broker, with access to all banks and building societies as well as insurance companies. All consutants societies as well as insurance companies. All consutants have suficient mortgage and property market knowledge have suficient mortgage and property market knowledge and qualified customers to buy property from developer - and qualified customers to buy property from developer - www.ifbl.co.ukwww.ifbl.co.uk

All legal process of purchasing property is done by our All legal process of purchasing property is done by our partner McHale and Co, they have bilingual solicitors and partner McHale and Co, they have bilingual solicitors and translate all important documents into foreign language to translate all important documents into foreign language to make sure customer fully understand process of purchasing make sure customer fully understand process of purchasing property from developer – property from developer – mchaleandco.co.ukmchaleandco.co.uk

We always take care of interest of customer as well as We always take care of interest of customer as well as developer, never introduce customer to other developer, never introduce customer to other developer to break chain of sale – THAT IS OUR developer to break chain of sale – THAT IS OUR PROMISE PROMISE

We do all to get the business done in simple We do all to get the business done in simple way: way: customer ready to buy customer ready to buy ( our ( our referral/your referral)referral/your referral)

finding home as per customer needs and finding home as per customer needs and qualification of customer for mortgage, home qualification of customer for mortgage, home buy or other scheme.buy or other scheme.

We are explaining all aspect of purchasing We are explaining all aspect of purchasing property, customer agree and pay deposit to property, customer agree and pay deposit to developer.developer.

Financial Brokers Ltd arranging mortgage for Financial Brokers Ltd arranging mortgage for customer and insurance. customer and insurance.

McHale and Co do all legal process with all McHale and Co do all legal process with all translations for customer.translations for customer.

Customer exchange contracts and do Customer exchange contracts and do

completion of sale – completion of sale – YOU SOLD YOU SOLD ANOTHER PROPERTYANOTHER PROPERTY

In case you may have customer or anyone who In case you may have customer or anyone who represents any Eastern European community represents any Eastern European community feel free to pass them details to us and give feel free to pass them details to us and give the contact number to our Business the contact number to our Business Development Executive – Ms. Kinga Orlińska Development Executive – Ms. Kinga Orlińska on tel: on tel: 0131 510 05510131 510 0551 or via email: or via email: ko@houseinuk.co.uk who will support client ko@houseinuk.co.uk who will support client and developer on all organization issues you and developer on all organization issues you may face.may face.

www.houseinuk.co.ukwww.houseinuk.co.uk