Master Investment Brochure - Murray Property Holdings (12.1.2021 Version) (3)

PROPERTY INVESTMENT BROCHURE www.murraypropertyholdings.co.uk 07979198280 [email protected]

OUR MISSION At Murray Property Holdings, our mission is to deliver fixed income investments through security on property for our clients. We achieve this by offering a hands free service that results in a safe investment return. With the UK in such a shortage of housing, our aim is to create affordable, clean, modern and safe housing for families by transforming neglected, tired properties into welcoming new homes. As a company, we strive to offer a better life for each person we are in touch with, whether that is providing safe and modern homes for families that really need accommodation or providing investor's guidance to start their property journey. With 50 years' experience between our team, we feel we can really make a difference to people's lives.

MURRAY PROPERTY HOLDINGS OUR VALUES Vendor Shareholders Investors Funders Contractors Ambitions Core Asset Based Society Values Professional Team Local Authority Transparency Suppliers Agents Problem Solvers

OUR We incorporate a high level of STORY pre-project due diligence to help mitigate any potential pitfalls as Murray Property Holdings was much as possible and this will be initially founded in 2018. Our displayed within any deal three Directors, Fraser, Peter and proposal. We believe it is of Stephen have been friends for importance for our clients to be over 20 years, providing a solid aware that all of our Directors foundation for great business have high credit ratings which relationships. helps to evidence some of our core values. Our Company values are built on trust, integrity and transparency. What sets us apart from other similar companies is that we are not oblivious to the risks and potential pitfalls within property investments, as these challenges are part of life. What defines 'Murray Property Holdings' is 'how we deal with those circumstances' when they arise and we believe this makes us different to many other companies.

MEET THE CORE TEAM FRASER MURRAY STEPHEN MURRAY PETER MURRAY PAM ANGUS DIRECTOR ADMIN MANAGER DIRECTOR AND DIRECTOR AND PROJECT MANAGER CLIENT RELATIONS MANAGER Dedicated, experienced and friendly team with over 50 years's experience covering various aspects of property construction, property sales and customer service.

MEET THE CORE TEAM FRASER MURRAY Fraser is a former Professional Football Player who moved into DIRECTOR construction and property sales. With 15 years' experience in the construction industry covering various roles. Over the last 5 years, Fraser has developed into a property market expert and is CEO of REIP UK Limited. Fraser's wealth of knowledge and experience within property will play a major part in growing Murray Property Holdings. Away from work, Fraser holds the Charity 'Ataxia UK' close to his heart and likes to help out where he can, with future ambitions to utilise his property experience and put it to good use within the Charity.

MEET THE CORE TEAM PETER MURRAY Peter worked in the Freight and Logistics sector for over 15 years, building key relationships with customers' logistical DIRECTOR AND operations, guiding and growing their businesses CLIENT RELATIONS MANAGER worldwide. It was during this time that Peter built on his business skills and is focused and driven in everything he is part of. Peter also holds a wealth of experience as an Internet Marketer, successfully building his own brand online by implementing successful strategies and is results driven. With his clear passion for property these key qualities make him a great asset to the company. Peter's skills in negotiation, sourcing and customer relations is a vital part in the continued success of Murray Property Holdings.

MEET THE CORE TEAM STEPHEN MURRAY Stephen has 30 years' experience working within the DIRECTOR AND construction industry. His journey started as an Apprentice Electrician and working to become a fully qualified Certified PROJECT MANAGER Electrician. Projects - Stephen Murray Stephen then progressed into a Foreman role, before moving into Site and Project management. He has a wealth of knowledge managing and overseeing projects from beginning to completion, which will be invaluable to the development and growth of Murray Property Holdings.

MEET THE CORE TEAM PAM ANGUS Pam has successfully developed a combination of ADMIN MANAGER managerial and communication skills having worked in the Secretarial industry for over 25 years, holding numerous Executive positions. Pam has continued to build on her skillset over the last 5 years to include web design, graphics and digital marketing to UK and International clients. Having worked in the past as an Estate Agent, she is a keen property photographer and property investor, making her the perfect fit for her role at Murray Property Holdings.

MEET THE PROJECT TEAM SHEENAGH GRAY STEPHEN MURRAY ADAM BROWN ARCHITECTURE PROJECT MANAGER QUANTITY SURVEYOR

MEET THE PROJECT TEAM SHEENAGH GRAY Sheenagh founded Framed Estates in 2012 after working for several private BArch(Hons), PgDip AAD ARB Architectural firms and National Housebuilders. Her experience ranges across all sectors, including residential, leisure and commercial. OF FRAMED ESTATES ARCHITECTURE Sheenagh's devotion to attention to detail has won her respect with her clients and continues to be recommended across public and private www.framedestates.com developers and organisations. Portfolio - Framed Estates Sheenagh established Framed Estates with the goal to bring various professions and trades together. Sheenagh continues to build up an Architectural company that is not only known for high quality and design, but also encourages strong links between all levels of the construction team. She endeavors to encourage the FE Team to design well and build well, respecting all parties involved in the construction process. This makes construction management key in all projects, from concept to completion. Whilst managing Framed Estates, Sheenagh also lectures in Construction at West College Scotland. This continues to prove a great opportunity to further strengthen the ties between education, apprenticeships and careers in construction. [email protected]

MEET THE PROJECT TEAM From a very young age, Adam held an interest in construction and graduated in 2011 from Heriot Watt University, Edinburgh, with an RICS Accredited Quantity Surveying (Honours) Degree. He spent a few years working for major construction contractors in the UK including Balfour Beatty and Morgan Sindall. ADAM BROWN With over 10 years first class industry experience, Adam decided to QUANTITY SURVEYOR fulfil his dream of running his own Construction Consultancy based in www.brownsconsultancy.com the City of Glasgow. Whilst positioning himself as a Quantity Surveying and Construction Consultancy his company specialise in Cost, Projects - Browns Consultancy Contract and Project Management and have a growing team that are committed to building bridges of trust with clients from the outset of working together. Their company mission is to safeguard client’s finances, through utilising risk and cost management. Browns Consultancy Ltd ensure profits are achieved and finances are budgeted and spent accordingly throughout construction projects. They have experience pre-and post-contract allowing them to provide clients with a comprehensive, professional and most importantly ethical service. [email protected]

OUR PAST PROJECTS 3 BEDROOM - UPPER COTTAGE FLAT DEAL DETAILS PURCHASE PRICE: £69,000 Deposit: £17,250 (25%) Cardonald, Glasgow Refurbishment Costs: £12,000 Stamp Duty: £2,760 Legals: £800 Sourcing Fee: £3,000 Total Capital Employed: £35,810 TOTAL DEAL COST £87,560 NEW HOME REPORT VALUATION £100,000

OUR PAST PROJECTS 3 BEDROOM - END TERRACED HOUSE DEAL DETAILS PURCHASE PRICE: £50,000 Deposit: £12,500 (25%) Investor received 10% return Refurbishment Costs: £6,000 on their investment for 12 Stamp Duty: £2,000 Legals: £800 months with a 2nd charge on Sourcing Fee: £3,000 the property as security. Total Capital Employed: £24,300 Ayrshire, KA25 TOTAL DEAL COST £61,800 NEW - HOME REPORT VALUATION £75,000

OUR PAST PROJECTS Investor had a 1st charge and 2 BEDROOM - FLAT received a return of 8% on their DEAL DETAILS investment for 12 months PURCHASE PRICE: £30,000 Kilmarnock, KA1 Deposit: £30,000 Refurbishment Costs: £6,000 Stamp Duty: £0 Legals: £800 Sourcing Fee: £3,000 Total Capital Employed: £39,800 TOTAL DEAL COST £39,800 NEW - HOME REPORT VALUATION £55,000

TESTIMONIALS SUZANNE MURPHY I was looking to kick off my property development and interior WELLNESS COACH design company, but I was nervous entering the market and still had my full-time job, so struggled for time. I felt I needed a property sourcing company that I could trust. I met with Fraser who who took the time to discuss my specification and opportunities in the property market which was really insightful. I also felt I was in good hands as they had all the correct Accreditations for deal sourcing, so it was clear they were a very professional organisation, which put my mind at rest. Throughout the process I was kept up to date regularly and when they sourced my first property it was perfect, exactly what I was looking for and the price they negotiated on my behalf ensured it was a solid investment, the support really was outstanding. I would highly recommend them and look forward to working with them again in the near future.

TESTIMONIALS Great to work with, Fraser is a real expert in the property field. Our next project is coming soon. KYLE KENNEDY PAST CLIENT Fantastic to deal with and very professional at all times. JOE McMANUS PAST CLIENT

KAREN BROWN TESTIMONIALS PAST CLIENT Peter's work ethic and attention to detail are excellent, as are his customer service skills. A highly motivated individual, who has a brilliant attitude to work and who guided me through the process when I was selling my property. I would have no problem in recommending Peter and his company, and look forward to working with him again in the future. I have known Stephen for 17 years, he is an exceptionally driven individual whose work ethic is unparalleled. I have no hesitation in recommending Stephen and his company. MARK O'DONNELL PAST CLIENT

TOUCH Here for you at every step. POINTS At every single stage in our process, the team will use their professional skills and knowledge to keep you updated on progress from pre-start, to on-site and finally with completion. COMMUNICATION PROGRESS REPORTS QUALITY ASSURANCE Monthly updates via Zoom, Our project team are on hand Our team will work hard to meet What's App or a live site visit. with expert advice and deadlines with the reassurance that the fortnightly progress updates. highest standard of work is being conducted. Monthly overview reports will be provided.

CORE OFFER CORE POINTS Generate stable income backed investments at low risk Investors capital is secured against the asset, safer than traditional loans Investors can expect returns starting from 5% upwards depending on the deal Learn about property investing with a team that has combined 50 years' experience Hands free service with safe investments for our clients No setup costs for investors, we take care of all upfront fees

OPTIONS AND PROCESS WE DELIVER THREE MAIN SERVICES:: 1. GUARANTEED RETURN ON INVESTMENT Your investment is secured against the particular asset, plus the income from the let that the project is on. In return there will be a pre-agreement of the % of interest per month, either paid monthly or typically rolled up at the end of the agreed timescale. This will be formed in a legally binding loan agreement drawing up by solicitors. 2. EARN AS YOU LEARN Murray Property Holdings provides the opportunity to learn all you need to know about property investment. As we guide you through the process you will receive 'paid interest' on your loan. Step-by-step we teach and provide invaluable knowledge on the go, from sourcing the property at the start of the process, to refurbishing the selected property or properties, right through to the rental at the completion of the project. All whilst earning a substantial return on your investment.

OPTIONS AND PROCESS 3. JOINT VENTURE BUY TO SELL PROJECTS The sourcing, development and sale of residential property, aiming for very significant profit for both partners. You are the funding partner and Murray Property Holdings is the delivery partner*. Please note this service is only available to VIP Members who can evidence compliance with FCA Policy Statement PS13/3. The JOINT VENTURE Agreement shares the profit equally, on a 50/50 basis after all costs. Costs in the main include the buying cost, renovation costs, professional fees and other costs directly attributable to the cost of bringing the project to the market. BUY TO SELL - Buy, refurbish to add value, sall (Investor supplies the funds, Murray Property Holdings deals with the rest) 50/50 split in profits after all costs. Examples of projects are: Residential (refurbishments, extensions, loft conversions) Land and new builds Converting large properties into smaller units

OPTIONS AND PROCESS 3. JOINT VENTURE BUY TO SELL PROJECTS BUY TO HOLD - Portfolio bulding within a formed LTD Co (SPV) Investor supplies any initial funds needed and is mortgageable, Murray Property Holdings Ltd, takes care of everything else, all equity and monthly rental profits are split 50/50. HOW THEY WORK OVERVIEW - We like to agree the principle of working together on Joint Venture projects well in advance of us both getting excited about a specific deal. So, if doing one or a number of Joint Venture Buy to Sell projects with us interests you, please get in touch and have an initial conversation. We will talk through the likely financial scale of the project, timescales, and discuss most of the usual risks inherent in a Buy to Sell project, so that we can understand how our Joint Venture partnership would respond to a blip in a property project - the joy of property ensures that this does occasionally occur. We generally like to start with a smallish project, which allows us both to get comfortable with the working relationship, before we 'rinse and repeat!'. This can be a highly profitable method of work with us for you. Please note, due to the introduction of 13/3 we do need to ensure your situation allows us to take part in Joint Ventures. We therefore require you to complete some paperwork for verification. We are acting in good faith with the intention of making a profit, but we cannot guarantee the profit deliver, due to the variable nature of buying and selling property.

OPTIONS AND PROCESS OVERVIEW (continued) Usually you will own the property, as that feels more secure for you. You fund the purchase and the cost of refurbishment. You pay the reservation fee as normal to secure the deal, and upon exchange the balance of the sourcing fee. This sourcing fee forms part of the costs, to be deducted from the final profit, on a 50/50 basis. We sign a Legal Agreement outlining the terms of the Joint Venture. We manage the sourcing, refurbishment and sale of the property, with regular communication to you. The property is sold with the profit share split on an equal basis after all costs. GENERAL DUTIES OF BOTH PARTIES Murray Property Holdings Ltd sources the deal and appoints you a solicitor and brings the deal to legal completion. Identifies works required, selects the right refurb team for the specific project and manages the refurbishment, along with staged payments. Dresses the property for sale. Appoints the right local Estate Agent and conveyances the sale until purchase (unless the project is a build to rent). Maintains costs on spreadsheets and provides you with regular updates. Split the profit 50/50. YOU - Pay for the purchase of the property, through cash or cash and normal funding. Pay for the formal funding requirements such as survey and fees, if needed. Pay the fixed price build costs to Murray Property Holdings Development account in advance of build starting. Responsible for all finance costs. Split the profits 50/50.

OPTIONS AND PROCESS THE PROCESS - GETTING TO KNOW YOU You have been welcomed as a partner of the Murray Property Holdings Group after a process of 'getting to know you' and assessing the fit between your objectives and values and ours. Welcome! We are delighted to now be working with you, and will continue to get to know you and your investing objectives as they develop. YOUR RESPONSIBILITIES - We are an investing group. We are as strong as all our links, and your commitment is vital to our success! This is why we want you to take your time to decide to work with us, and to carry out due diligence, as once you have committed to a deal, we need you to be fast acting and committed in delivering your responsibilities. YOUR RESPONSIBILITIES ARE: To ensure you understand and are comfortable with how we work To commit to the deal - we are not a sale or return business To ensure you can fund the deal, either cash, formal funding or private investment To behave in a thoughtful and considerate manner to our team, making the experience of working together fun! Information provided does not constitue investment advice or recommendation, investments in property are illiquid capital at risk. Past performance is not a reliable indicator of future results. Investors should carry out their own independent research before making any investment decision and seek professional financial advice as necessary.

CONTACT US 07979 198 280 [email protected] 505 Great Western Road, Glasgow Risks are associated with property investment. Take professional legal advice before entering into any investment. It is your responsibility to decide whether to make a specific investment or not, including carrying out relevant background research and due diligence. Murray Property Holdings do not offer any legal, tax, or financial advice. Please be aware that we do not accept any responsibility in regards to loss of capital, Illiquidity, diversification, or tax. Past performance is not a reliable indicator of future performance. You should not rely on any past performance as a guarantee of future investment performance.