Pinnacle Property Partners

Project Frondeg update🏡

It’s been a few months since our offer was accepted for project Frondeg and the purchasing process is well underway!

There’s been a few hiccups and it’s taking longer than expected but we could not be anymore excited to get the keys in our hands.

We’ve been in constant communication with everyone involved, including our solicitor,investors and the current vendor of the property.

Our biggest tip to speed up the sale for a house is to be prepared!!! Have everything ready for your solicitor before they ask and constantly communicate. You may feel like you’re harassing them at times but you’ll be in the for-front of their mind! We also highly recommend asking the estate agent for the contact details of the vendor. Direct communication will give both sides full transparency of the sale progress.

In the meantime we’re already turning our focus onto sourcing the next deal and investment opportunity.

Keep your eyes peeled, we expect to complete very soon!🤞🏻

We’re a year old!🤯

Time has flown by, to think we started our property journey registering the company a year ago and now here we are about to purchase our first house!

We have learnt so much along the way, faced many setbacks and know that we will face more but we are always learning and always growing.

From our first offer rejected, developing and maintaining relationships with our power team, many investment area visits and hours of phone calls but it’s all starting to come together. We’re in a better position than we were last year, about to purchase our first investment property🏠

Thank you to everyone who has helped and supported us during this period.

Watch this space!👊🏻

What can we do for our investors?

Investing in pinnacle property partners can mean many different things to each investor and can provide much more than great returns💸

Investing in us could be an investment in yourself. We offer the opportunity for property enthusiasts to invest with us on a ‘earn as you learn’ basis.

This opportunity is open to anyone interested if they would like to track the project to learn the ins and outs of how we have sourced the property, the types of professionals within our team and follow the renovation of one of our projects from start to finish.

Make your money work for you to protect your capital! Beat the current cost of living crisis and keep up with inflation that is currently at a 40 year high. The banks cannot compete with our interest rates.

Your yearly family Holiday, home renovations, or help towards buying that new car you’ve always wanted could all be paid for by the interest earned by investing with Pinnacle Property Partners.

Cash in the bank isn’t safe. By diversifying where you keep your money, you can make your cash work harder for you and build wealth with Pinnacle Property partners.

Interested? Get in touch📞

Offer accepted! Project Frondeg 🏠

Our first offer has finally been accepted and we are happy to share that investment opportunities are now open!

If you would like to get involved and invest in property, follow the project progress, and steal some of the interest we would usually pay to the banks, get in touch!

This opportunity provides returns between 5-8% depending on amount invested over the next 12 months. We would usually pay this interest to a bank, but we would prefer it to go to you!

If you are curious, register your interest and we can share our investor proposal and a more in-depth deal sheet of this investment opportunity. 📧📞

We look forward to share our progress of this project with you over the next few months!

You’ve got to think outside the box in the current market…

The UK property market is still very strong and this has limited the amount of new opportunities that we're finding via traditional methods, Rightmove/estate agents etc.

This week we have identified empty homes in our investment area and reached out to the owners using direct to vendor letters.

Purchasing a house directly from the vendor can benefit both parties!✅

- No expensive estate agent fees
- No hassle of frequent viewings
- Discreet sale
- Several purchase options can be considered!

Big goals this year, and this is just one of the ways we'll be hitting them!👊🏻

If you know of any houses that are empty or in poor condition in South Wales, drop me a DM with address and if we go on to buy it we'll pay you a £500 referral fee💷

The BRRRR method🏚

The safest way to approach property investing is to have two potential exits for a property. Here’s one of the exits that some of the properties we’ve been looking at fit into🏘

A Pinnacle Property Partner Loan agreement is a contract which outlines and regulates the terms agreed by a private lender and the business to protect both parties.

This is a professional way to state the following specific terms of the loan:
- What is given and the return (%)
- Timeframe of the loan
- Early/late repayment terms

This should provide reassurance to our investors that their capital is safe with us.

For example:
Investor A signs a loan agreement with Pinnacle Property Partners for £25,000 over a 12 month period at 7%. At the end of the 12 months, investor A would then receive a repayment of their original £25,000 plus their 7% agreed interest (£1,750). Their total repayment would be £26,750.

Who’s interested in having their holidays paid for? 🏝✈️
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Please note that we endeavour to comply with the Financial Conduct Authority (FCA) Policy Statement 13/3 and therefore our offer and opportunities are only open to friends, family and sophisticated or high net worth investors. We are not legally able to offer investment advice, we aim to provide all the facts enabling you to make your own preferred investment decision. We always advise seeking professional advice before making any form of investment.

Before offering on any property, we follow a strict process to calculate the maximum amount that we can offer. This process can vary depending on the chosen strategy but the key here is to always start with the end in mind.

So, we calculate all the relevant costs and reverse engineer to ensure we are heading towards our chosen exit effectively.

The cost of refurbishment is the most obvious cost to consider. By maintaining a strong relationship with different trades and suppliers, we are able to accurately estimate the total cost of refurbishment.

Other considerations include the cost of our power team including our solicitor, mortgage brokers, estate agents fees & accountants just to name a few!

Land Transaction Tax (LTT) which is the Welsh equivalent of stamp duty will need to be accounted for as well as the cost of money that we borrow. This could be from our private investors, a bridge or mortgage interest.

The business model of a property investor is to minimise risk and create win,win,win scenarios.
- Great return on investment for private investors.
- The property investor obtaining properties
- Providing high quality stock to the housing market and offering a great service to tenants

The process of flipping a property can be very rewarding to a property investor if completed with precise planning and execution📝

A flip can generate a lump sum profit that can be used to pay back investors and re-invest into the business. This will enable us to leave money in future deals and gives us security if a project is undervalued to ensure our investors money is safe and still be able to pay the interest as promised.

When flipping, there is more creative freedom than standard BTL’s. This can be rewarding as what was once just a house can become a home, when refurbished to an immaculate standard! 🏡👨‍👩‍👧‍👦

However, there are risks that we must work hard to mitigate when it comes to a flip.

Market volatility, holding costs, and unexpected expenses are just a few factors that can affect the profit margin. This highlights the importance of running the numbers and stress testing our figures prior to making an offer. Starting with the end in mind and understanding what a property is worth in a done up state becomes imperative in order to work back to what we should be offering.

Finding the right deal allows us to create win, win, win scenarios. The vendor receives a fair price, investors receive great returns with no hassle & the company makes a profit✅

Why do we use private investors?

You might be asking yourself this question. Why don’t Connor and Jack just apply for loans to purchase property?

The answer is simple, 𝐖𝐞 𝐰𝐚𝐧𝐭 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮.

With the cost of living in the UK soaring and inflation rising to 9% in April, the fastest increase in inflation for 30 years and the highest since 1992. Protecting your capital has become a necessity for stability.

Traditional, inflexible short-term bank lending will only make the banks richer. By using private investors we can offer far greater returns than what the banks are currently offering savers.

In short, the interest we would be paying to the bank for a loan, we would prefer to go to you, our investors.

Interested? Get in touch.

Introducing Jack!

Jack graduated from the University of Gloucestershire with a degree in Sports Therapy in 2019🎓. Since then Jack has worked to build his self-employed business as a Sports Therapist & is also a Personal Trainer!

Jack’s Hobbies fall in line with his work, Health & Fitness. If you’re ever looking for Jack you’ll probably find him in the gym or on the football pitch, unless he’s in our investment area of course!

Jack’s ability to communicate & build relationships is invaluable to the operation of the business. This along with his determination and competitive streak gives Jack the perfect drive to ensure the success of the business. Being self-employed is also a huge positive for the business as Jack’s flexibility allows him to visit our investment area several times per month.

INTERESTING FACT: Jack is the Sports Therapist of a World Champion! 🏆
Can you guess what sport?

Falling in love with our investment area already😍
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Before graduating with a degree in Business management, Connor identified his high organisational skills in a finance office where he realised he’d rather be working alongside more people than being confined to the same four walls!

After graduating, he went straight into the construction industry building relationships with builders, contractors and distributors all across the South West including professionals in our chosen investment area!

Due to his ambition, motivation and attention to detail, Connor quickly progressed within the industry and made the step to a project specification role. He currently provides construction and technical advise to architects, building control, energy assessors, house builders and local authority’s helping them to achieve current building regulations.

Outside of his professional career and property journey, Connor can’t seem to sit still and playing a lot of football, golf and keeping as active as he can. Not being the type of person who uses social media, the directors have agreed that Connor needs to improve his online presence so you can get to know him a little more!

Stay posted to find out a little about the other director Jack in a few days!

Results, people and teams.

Like any industry, results cannot be achieved by just one individual. A team of varied knowledge and experience helps push an idea forward to achieve a common goal.

This also applied to property and our idea of where we want to be. To excel and make property a success, it’s important for people thinking about property to understand a project lifecycle and the types of individuals that need to be managed at different stages.

A property investor must leverage these individuals experience and manufacture their own team. That is exactly what we are doing and we call this our power team.

This team consists of but not limited to the following:
- A number of construction specialists
- Mortgage and Insurance brokers
- Solicitors/conveyancing
- Architects and planners
- Estate agents/Lettings agents
- Fire and risk consultants
- Builder merchants/distributors
+ many many more

Time has been taken to identify these specialists for our team where we can utilise at the required time.

If you would like to learn a little more about property and investing, get in touch!

Every day is a school day📚🎓

A fantastic weekend at the NEC in Birmingham learning all things property. So great to meet like minded individuals and learn from their strategies & experiences.

Time to get our heads down and put this knowledge to work. Looks like it’s going to be a busy week!

The housing market is booming right now!

We have seen the busiest ever start to a new year for the housing market in 2022, and there’s no sign of it slowing down as we head into the busy spring home-selling season.

March was the second consecutive month we’ve seen asking prices hit a new record high, which has taken the national average higher than £350,000 for the first time.

So why do asking prices keep rising? Prices keep rising because buyer demand is so strong. In fact, the gap between the number of home-buyers looking to move, and the amount of properties available, is the biggest ever measured at this time of year.

With no sign of slowing down anytime soon, is now the best time to buy? What are your thoughts?

We promised to share our challenges as well as our successes…

We’re still looking forward to the day that “OFFER ACCEPTED” email comes through. However, due to the current state of the market, everything is selling for over asking price.

We’re only offering on those which suit our strategy. This is to ensure our current list of investors who are awaiting their first opportunity can be repaid plus their interest!

Our foundations are set, the offers are tracked and our resilience is strong!

𝐎𝐧𝐞 𝐨𝐟 𝐭𝐡𝐞 𝐠𝐫𝐞𝐚𝐭𝐞𝐬𝐭 𝐯𝐚𝐥𝐮𝐞𝐬 𝐨𝐟 𝐚 𝐦𝐞𝐧𝐭𝐨𝐫𝐬𝐡𝐢𝐩 𝐢𝐬 𝐭𝐡𝐞 𝐚𝐛𝐢𝐥𝐢𝐭𝐲 𝐭𝐨 𝐬𝐞𝐞 𝐚𝐡𝐞𝐚𝐝 𝐨𝐟 𝐰𝐡𝐚𝐭 𝐨𝐭𝐡𝐞𝐫𝐬 𝐜𝐚𝐧𝐧𝐨𝐭 𝐬𝐞𝐞 𝐚𝐧𝐝 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐭𝐡𝐞𝐦 𝐧𝐚𝐯𝐢𝐠𝐚𝐭𝐞 𝐚 𝐜𝐨𝐮𝐫𝐬𝐞 𝐭𝐨 𝐭𝐡𝐞𝐢𝐫 𝐝𝐞𝐬𝐭𝐢𝐧𝐚𝐭𝐢𝐨𝐧.

A massive thank you to Andrea for her time, we’re lucky to have her on board!

Looking forward to continue working with her in the months ahead.

Bridging finance or private investors🤔

At a time where interest rates for savers are at historic lows coupled with inflation at record highs, why should high street bank lenders benefit from our business model?

We are delighted to have found a way for private investors to benefit from the interest we would usually pay to traditional lenders.

Want a way to stop inflation eroding your money in the bank? Or know someone who could benefit? Get in touch!

No rest for the wicked!😅

Re-running numbers and submitting offers on our journey home has got us excited!💻

We’re looking forward to our first offer accepted post! Fingers crossed it will be in the next few weeks🤞🏻

Hot off the press!🔥

We have just taken delivery of our new business cards. We have a very busy January planned so stay tuned for updates, Happy New Year! 🎉
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Quote of the day “You might want to wipe your feet on the way out!” 🤣

Another busy day complete in our investment area💪🏻

🏘4 Viewings
🔢Numbers run
✅Offers made
🤝Relationships built

Now time to follow up…
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𝐈𝐧𝐟𝐥𝐚𝐭𝐢𝐨𝐧 𝐢𝐬 𝐭𝐡𝐞 𝐡𝐢𝐠𝐡𝐞𝐬𝐭 𝐢𝐭’𝐬 𝐛𝐞𝐞𝐧 𝐟𝐨𝐫 𝟏𝟎 𝐲𝐞𝐚𝐫𝐬!💷
At 4.2% and with what’s been going on recently, who thinks the true figure is higher?

With the cost of living going up, and interest rates at historical lows, that cash in the bank is going up in flames!🔥

Tell us how you guys get your savings working harder for you🤔

Check out the link below to learn more about current inflation levels.

https://www.forbes.com/uk/advisor/personal-finance/2021/11/17/inflation-rate-update/?amp

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Can you spot one of the partners? 🔍

Within the property industry, it has become clear that this is definitely a people’s game. Luckily there are monthly events that provide a positive, inspirational and supportive environment where passionate people can learn how to become more successful property investors.

Last night we attended our local property networking event and had the chance to listen to some fantastic talks from industry experts and some highly inspirational success stories from other investors.

These meetings also allow us to network with like-minded individuals from our local area. After spending the last couple of years in lockdowns, it was great to finally meet so many passionate professionals! -
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An Introduction to the partners

𝐂𝐨𝐧𝐧𝐨𝐫 𝐌𝐨𝐧𝐤

Connor graduated from the University of Plymouth with a degree in Business Management. Connor secured a graduate position within a market leading insulation manufacturer and has thrived within the construction industry since. This industry is very relationship lead, along with the skills he has developed, his experience will support our venture.

𝐉𝐚𝐜𝐤 𝐁𝐞𝐧𝐝𝐞𝐧

Jack graduated from the University of Gloucestershire with a degree in Sports Therapy.
From his patient centred background, Jack has an excellent ability to communicate and build relationships with everyone he meets. He will draw from his knowledge and passion for property to take a practical approach to the business.

Fast forward to today, we have built an abundance of valuable knowledge within the industry. By attending property networking events, undertaking educational courses, and meeting with stakeholders, we have developed the business in line with our company aims and strategy.

Using our combined strengths, we hope to share not only our successes, but the challenges we face along the way!
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So here we are, at the starting line… Welcome to Pinnacle Property Partners.

We are a Bristol based partnership who strive to provide safe, modern yet affordable homes for students and professionals in the south of Wales.

Our property journey so far:

📍 Investment area identified ✅
📚 Developing knowledge ✅
👥 Attending monthly networking events ✅
🏚 Regular property viewings ✅
📈 Strategy identified ✅
💪🏽 Powerteam identified ✅
👨🏽‍🏫 Looking forward to our mentorship 👀

If you are interested in property development & investing, don’t hesitate and give us a follow.

We look forward to share our progress with you all!