J&R Property 2023 v4.0

EARN EXCEPTIONAL FIXED RETURNS OF 12% INVEST WITH CONFIDENCE Building wealth through bespoke property ventures.

About Us COMPANY BACKGROUND LEADERSHIP TEAM Raouf H Belmouloud J&R Property Partners specialise in permitted developments and high-yielding commercial Raouf Belmouloud is a seasoned property opportunities. Our mission is to provide our developer with an illustrious career spanning clients with solid investment opportunities that nearly two decades. With a wealth of are profitable, secure and generate substantial experience in the field, Raouf specialises in the cash flow. transformation of office/commercial spaces into exquisite residential properties. Having J&R Property Partners, was established in 2015 successfully completed over 28 projects to (J&R Property Investments Ltd) , is a company date, his expertise and vision have contributed that focuses on acquiring commercial properties to the creation of stunning homes that combine for renovation into residential units. functionality, elegance, and modern design. O​ ur portfolio includes residential properties, Throughout his career, Raouf Belmouloud large commercial multi-purpose properties, has consistently demonstrated his ability to renovations, commercial conversions, and new identify unique opportunities for property build homes. development, resulting in the successful conversion of numerous commercial spaces into We believe the best way to grow your wealth beautiful homes. His unwavering commitment is through the careful management of risk to excellence, meticulous attention to detail, and reward, and that’s why we love property and ability to navigate complex projects have investment. We understand that property is a earned him a reputation as a trusted and reliable tangible, long-term, and proven store of value developer. when approached diligently. ​ In addition to his remarkable portfolio, Raouf As seasoned investors, we enjoy unlocking has also showcased his exceptional fundraising opportunities that others often miss and looking skills, having raised over £2.4 million pounds for at projects from different perspectives to see various projects. His astute financial acumen and where value can really be added. strategic approach to investment have played a ​ crucial role in the realisation of these ventures. We believe that the current political and economic climate is a unique opportunity for Raouf Belmouloud’s passion for creating experienced investors, and we are committed to exceptional living spaces, combined with his delivering results that exceed expectations. extensive experience and proven track record, make him a true powerhouse in the property development industry. 2

Meet The Team Raouf Belmouloud Sam Patel Chief Executive Officer Head Architect Karolina Admezyck Jay Bhudia, Chief Visonary Officer Quantity Surveyor Mike Davies, Paul Essien, Structiral Engineers Business Development Executive 3

Recent Projects The Coach House The Firs, Whitchurch COMMERCIAL CONVERSION Purchase price £475,000 Costs £575,000 GDV £1,400,000 4

Kiln Lane Thetford, Norfolk NEW BUILD DEVELOPMENT OF 8 APARTMENTS + COMMERCIAL SPACE. Purchase price £125,000 Costs £700,000 GDV £1,200,000 5

Recent Projects St Michael’s House Braintree COMMERCIAL CONVERSION Purchase price £475,000 Build Costs £718,000 GDV £1,500,000 6

7

Investment Funds Benefits Recieve up to 12% fixed returns The benefits Investment features SECURITY • Invest from £5,000 Debenture over Issuer’s assets, plus Corporate Guarantee from Parent Company & Property • Fixed returns up to 12% per year backed investment. • Earn a bonus for each additional 12 months STABILITY Interest can be paid Quarterly, Annually or at End • Bonus grows as Term increases of Term. • Investment Term of up to 7 Years FLEXIBILITY 12 month rolling investment with maximum term • Investor monies are secured by way of 7 years. Invest for Income or Growth. of a Legal Charge against physical UK properties. NO FEES 100% of your principal returned at Term. • A dedicated investment PROTECTED Security Trustee in place acting on behalf of investors as defined in the Security Trust Deed. LOW MINIMUM INVESTMENTS Invest in property with a low outlay compared to property purchase. 8

Step by Step Acquisition Process 1. DUE DILIGENCE The Company conducts thorough due diligence on potential commercial properties located in prominent towns or cities. 2. PURCHASE After a satisfactory outcome from the due diligence process, the Company proceeds to acquire the selected property. 3. DEVELOPMENT The acquired properties undergo renovation to transform them into beautifully curated homes. Whenever possible, the Company utilises Permitted Development Rights or fulfils equivalent full planning requirements. The renovated properties typically consist of a mix of studios and self-contained flats. 4. MARKETING & LETTING Once the properties are renovated and converted into residential units, the developer work jointly with private letting agency contacts to secure tenants and manage the studios and flats. 9

Exit Routes 1. Sale to portfolio landlords These pre-sales would be governed by an The Directors and proposed developers have agreement for lease, requiring prospective prior experience in selling property portfolios to tenants to make instalment payments existing landlords toward the purchase price until the completion of a formal lease. 2. Purchase by investors The Company envisions selling properties to 4. Retention and further financing by investor clients, with the Company assisting in the Company: sourcing finance and managing the properties, The Directors believe that loans for as another possible exit route. property-backed developments may be accessible to allow the Company to redeem 3. Sale on the open market the loan while retaining the properties as In certain cases, such as residential apartment long-term investments. This approach also blocks, the Company anticipates selling enables the Company to expand its asset individual units as “off-plan” units. base by acquiring additional properties for increased returns. 10

FAQ’s When is the start date of the interest calculated from? What does a debenture over the assets of the Interest calculations begin from the date funds SPV companies mean? are cleared and made available to the Company, A debenture is a form of security granted in favour considering all “Know Your Customer” and Anti- of a security partner. It typically covers all current Money Laundering documentation has been and future assets of the issuing company. In the received. event of default, the security trustee can enforce the debenture, take control of the issuer’s assets, and Can I sell or transfer my investment to sell them for the benefit of the security holder. someone else? The investment is non-transferrable. Investors How is the investment secured? should carefully consider whether the investment The investment is secured through a debenture over aligns with their financial circumstances. the assets of the company, prioritising investors over unsecured creditors. If I die, what would happen to my investment? The Directors will strive to redeem the investment Who can invest? held by the deceased executors upon request to Any individual above the age of 18, as well as assist with probate liquidity. trusts, companies, the retail sector, or charities not prohibited by their governing jurisdiction’s laws, can What tax is payable on my investment? apply. Investors must fall into one of the following The tax payable on the investment depends on categories: certified high net worth investors, your personal circumstances. In most cases, certified sophisticated investors, or self-certified interest payments are subject to a 20% withholding sophisticated investors. tax, which the Company pays directly to HMRC as required by UK law. Higher or additional rate When do I get my original investment back? taxpayers may need to pay additional tax. There The full original investment is expected to be are exceptions to withholding tax, such as when returned at the maturity of the agreed term, which the subscriber is a UK company. It is advisable occurs twelve months from the date of investment. to consult an independent specialist tax adviser authorised and experienced in this type of Can I include this investment as part of my investment for accurate tax information. SIPP or SSAS? You may be able to invest in a SIPP or SSAS How do I apply? wrapper if your pension provider accepts non- Investors can apply through an authorised financial standard assets. However, it’s important to check intermediary or by contacting the company directly. with your pension provider regarding the eligibility. What happens if I change my mind? Can I invest through a company, and are joint Once your investment has been received, you will applications allowed? not be able to cancel it. Yes, corporate investments and joint applications are accepted. For any additional questions, you can reach out to the team via email at [email protected] or by calling 0203 916 5323 11

12

85 Great Portland Street London W1W 7LT 0203 916 5323 [email protected] www.jrpropertypartners.com