Portfolio – Issue 1

2014 Portfolio Issue 1_Portfolio issue 1 28/08/2011 14:39 Page 1

PORTfolio OVERSEAS PROPERTY INVESTMENT WITH INTEGRITY

ISSUE ONE

|

AUTUMN/WINTER 2011

INVESTMENT vs LIFESTYLE REDEFINING LUXURY IN THE CARIBBEAN Buccament Bay – the flagship of the Harlequin experience

DISCOVER ALCOSSEBRE Spain, but not as you know it!

PENSIONS Can I make them work for me?

Taking the confusion out of buying abroad

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:41 Page 2

HOT OFF THE PRESS

A luxury apartment in the Caribbean from as little as £1,000 with 100% finance!

Computer Generated Image

For a limited period only a freehold £100,000 studio apartment in the Las Canas resort, Dominican Republic, could be yours for just £1,000 reservation fee.

• 100% finance available (subject to status) • 30 days annual personal use (SIPP investors excluded) • 10% p.a. rental guarantees for a choice of 2 and 5 years With only a 30% deposit required, these five-star standard studios are aimed to attract the modest investor. Ideal for equity release, secured loan or SIPP investments.

RESERVE TODAY by contacting your DB International Consultant

0845 003 8098

“With previously launched resorts showing appreciation on similar units at around 100% over two years, these will particularly appeal to those investors with smaller pension pots” Katharine Manderfield, Network Sales Director, Harlequin Property

O V E R S E A S

P R O P E RT Y

I N V E S T M E N T

W I T H

I N T E G R I T Y

Pensions letting you down?

TO RESERVE YOUR PLACE

Come to our Caribbean freehold property investment presentation

0845 003 8098

Talk to the experts and discover how you can“unlock”cash and improve those retirement options!

Call or email today on: info@dbinternationalhomes.co.uk Don’t delay as spaces are limited!

• 10% per annum rental guarantees for 2 & 5 years

Thursday 29 September 2011 7:00 for 7:30pm

• 100% finance scheme available VENUE

• Reservation fee of just £1,000

Seckford Hall Woodbridge, Suffolk IP13 6NU

• Fully SIPP compliant – a tax-efficient alternative to invest for retirement

Wine and refreshments will be served

www.dbinternationalhomes.co.uk

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:41 Page 3

— WELCOME —

Welcome to the first edition of Portfolio from DB International Homes. We are delighted to bring you our publication, which is packed full of photographs and inspirational articles to inform you of the delights of our freehold property investment portfolio both in the Caribbean and Spain.

CONTENTS 4

Investment vs lifestyle

5 Throughout the magazine we hope to engage, entertain and inform you of the possibilities of owning and enjoying an overseas property, with sound expert advice and all the information you need to make the right investment choice and to suit your own personal circumstances.

Our very own SIPP Doctor and Pensions expert, Tim Hughes, has provided a guide to SIPPs (Self Investment Pension Plan).

Do please send us your SIPP questions for future issues, and Tim will do his best to answer them without revealing any personal information.

featured consultant on page 17 – alongside diary dates for our forthcoming presentations.

We hope you enjoy the read and look forward to meeting you at one of our evening presentations. Alternatively, contact your local agent for a more private discussion.

Changing times: A profile on DB International Homes

6

Discover Alcossebre: Spain but not as you know it!

8 Redefining luxury: The Buccament Bay Resort in St Vincent & The Grenadines 12

The Caribbean: Development location map

Thank you for your interest.

15

Pensions: Can I make them work for me?

DAVID BLACKWELL & ROGER GALTON-DAVIS Directors

17 Caribbean property presentation evening events for the diary 18

DB International also has a team of consultants working throughout East Anglia; get to know them on page 18 with more information about this issue’s

Meet the team

8

PUBLISHED BY:

CONTRIBUTORS:

DISCLAIMER:

DB International Homes Limited Suite 104 Communications House, 9 St Johns Street Colchester, Essex CO2 7NN

Design: 01206 541189 / www.purecreativedesign.co.uk

DB International Homes Limited and its representatives are not regulated to give professional financial advice (inclusive of SIPPs) and will introduce all interested parties to an FSA authorised firm for this purpose.

Tel: 0845 003 8098

Editing and feature articles: 0845 5272 801 / www.thewriteimpression.co.uk

Reproduction in whole or in part without written permission is strictly prohibited.

Caribbean photography: www.kaywilsonphotography.com

Cover images: Buccament Bay Resort, St Vincent & The Grenadines

Print production: 01255 221322 / www.directsolutions.co.uk

A U T U M N / W I N T E R 2 0 11

|

PORTfolio

Personal tax implications, relating to the purchase of overseas property should be discussed with a qualified accountant.

3

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:42 Page 4

— INVESTING OVERSEAS —

INVESTMENT vs What type of property purchaser are you?

There are a number of considerations when looking into a property investment: 1 Will you get a return on your money?

4

2 What are the opportunities for capital growth?

Sometimes there is a trade-off between the return on your money and the capital growth opportunities.

3 How much deposit will be required?

4 How much capital will be left in? With developer finance and other structures available, there are opportunities to purchase property using very little of your own funds.

Many people are confused when they first look into buying property abroad and whether they are making an investment or looking for a certain lifestyle.

The person who is looking for that ‘bolt hole’ away in the sun or holiday home for the family, is a lifestyle purchaser.

The true investor separates ‘head and heart’ and is interested in how the numbers stack up and the potential earning yields!

Of course, if you manage to find the idyllic family holiday home in the right location, this lifestyle property could also be a winning investment.

Since the recession in 2007 many clients, who lost chunks of their pension pots on the stock market, were looking to replace this lost revenue with a more stable investment. Having also been one of these unfortunate people I understand how important it is to find the right property. As a result there has been a shift towards investing.

PORTfolio

|

A U T U M N / W I N T E R 2 0 11

Investment and lifestyle properties both have roles to play. That is why we offer both through DB International Homes Ltd so that we can help you find the right property purchase for your needs.

I have had over 25 years’ experience in selling property overseas, primarily in Spain, where property values have fallen by up to 50% in some areas, and it is only now that the market is starting to recover. As a company we are finding ways to bring our customers back into Spain to enjoy the lifestyle they want.

If you want to learn more of the portfolio we offer or just talk to us about which type of overseas property purchase is right for you call me or my co-director Roger on 0845 003 8098 or visit: www.dbinternationalhomes.co.uk

DAVID BLACKWELL MNAEA (Overseas) DB International Homes

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:42 Page 5

— CHANGING TIMES —

An ethical approach to business Changing times and ingenuity have played a part in helping David Blackwell and Roger Galton-Davis uncover the investment potential that DB International Homes offers today, but how did it all begin?

After purchasing a property in the unspoilt Spanish region of Costa del Azahar in 1986, David dedicated 25 years to selling properties in the area under his company Azahar Dream Homes in Colchester which won an International Award in 2006 for Best Estate Agents on the Coast – that company has since become the Spanish division of DB International Homes.

Roger, who has an extensive business background, was also marketing and selling holiday and lifestyle investments in Spain, however, as the affects of the worldwide economic downturn started to take its toll, so did the lack of interest in this area of the market.

Having recognised the changing needs of investors, David and Roger started to research overseas property as an investment strategy to preserve capital. By 2008, they had discovered the remarkable investment opportunities offered by the luxury Caribbean market, which is where Harlequin Property came into the picture. Realising this was the best way forward; they pooled their resources, along with more than 30 years of combined experience, to get DB International underway.

“Spanish property is very much a lifestyle investment, whereas the Caribbean can offer substantial investment opportunities,” explains Roger. “With the persistent effects

of the economic downturn, we decided to focus on the Caribbean resorts. Even in tough times, this market offers a lucrative investment product.”

Disappointment in pension performance sparked new interest in Caribbean investment opportunities, particularly since the government approved investment into overseas properties using a Self Invested Personal Pension (SIPP).

We would not recommend it if we were not willing to invest our own money “Both Roger and I have experienced considerable losses in our own pension pots in the last few years, and we see the Caribbean market as a serious alternative to revive these for the future,” explains David. “The volatility of the stock market is very unpredictable and we wanted to create stability.

However, since the SIPP changes, what we used to offer as an alternative investment is fast becoming mainstream.”

David and Roger’s belief in their product is confirmed by their own personal property investment in three of Harlequin’s Caribbean resorts; “It’s our confidence in the product that is driving DB International Homes forward.

A U T U M N / W I N T E R 2 0 11

|

PORTfolio

“We would not recommend it if we were not willing to invest our own money.”

From the very beginning, David and Roger established an ethical approach to business with a keen transparency in trading. “An important part of what we do is allowing potential clients to get to know us and what we are about,” says Roger. “This gives people the confidence to invest in the opportunities we have to offer.

We are still dealing with several of David’s clients from years back, who are now interested in the Caribbean investment opportunities – all because of a trusted relationship.”

DB International Homes are affiliates of the National Association of Estate Agents (Overseas) as well as belonging to a number of other professional networking organisations. In fact, networking is responsible for a high percentage of their business, offering fantastic presentation opportunities to showcase exactly what they are about. “Keeping in touch with people is one of the most rewarding parts of the job,” says Roger “We stick by our clients, many of whom are now good friends.”

AFFILIATIONS

5

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:42 Page 6

— D I S C O V E R : A L C O S S E B R E : S PA I N —

SPAIN but not as you know it!

Imagine a community where farming is still a vital part of the economy, where fresh, locally grown fruit and vegetables are on sale for most of the year, and where you can enjoy a wonderful restaurant meal for a fraction of the price you’d pay in the UK.

Templar Castle

6

When you think of Spain, what do you imagine? If you’re thinking of multi-storey hotels, packed beaches and crowds of overenthusiastic tourists, you might like to think again.

No need to imagine it – it’s called Alcossebre.

On Spain’s Mediterranean shoreline, with Barcelona to the north and Valencia to the south only 1 hour away, is the beautiful Orange Blossom Coast – and the quaint little town of Alcossebre.

Because there’s another, very different Spain. It’s already so close that it’s almost on your doorstep and it’ll soon be closer still…

Founded some 750 years ago by twelve local families (whose descendants still live there) it’s a haven of peace and tranquillity for most of the year.

Imagine a small, friendly coastal town surrounded by orange, almond and olive groves, protected by two National Parks. A place where people know and trust each other, where visitors are welcomed with open arms, where the weather is always pleasant (even in winter), and where crime is a rarity rather than commonplace.

During the week some 3,000 people live there – including many British ex-pats. At the weekend that number swells to around 6,000 as Spanish weekenders open the shutters on their villas and apartments. During the summer it’s at its busiest, because that’s the height of the holiday season – but for the rest of the year it’s a perfect retreat.

Imagine low-rise buildings, interspersed with villas and apartments, scattered like a string of pearls along a virtually empty beach – with glimpses of beautiful greenery and well-tended orchards between them.

It was some 25 years ago DB International Homes Director; David Blackwell first discovered Alcossebre and even now his passion for this un-spoilt area is greater than ever! With a 350 berth modern marina, miles of sandy

PORTfolio

|

A U T U M N / W I N T E R 2 0 11

beaches with coveted blue flags, many fine restaurants along the palm-lined streets or promenades, fine selection of shops, established championship golf courses and 14th century Templar Castle. All this and now with a brand new airport (Castellon) only 20 minutes drive, where the low-cost carriers will be flying from Stansted very soon!

Impressed so far? It’s hard to believe until you see it for yourself.

ALLAN SCOTT www.newsletter-genie.com

DISCOVERY TRIPS To view this unique region of Spain, why not join us on a fully escorted, four-day trip and see for yourself!

Window seat or aisle?

SPECIAL OFFER September to November 2011 £200pp* includes flights to and from Stansted, transportation, hotels and dining.

Each trip is totally unique and arranged to meet individual needs and budget. You will tour the whole area and view a fantastic selection of new and resale properties. *Subject to availability

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:42 Page 7

— P R O P E R T I E S E X C L U S I V E T O D B I N T E R N AT I O N A L H O M E S : A L C O S S E B R E —

£

VILLA MONTESOL This spectacular linked villa has stunning panoramic views over the Mediterranean and the islands of the Nature Reserve of Columbretes.

Beautifully renovated this fine property has 3 bedrooms, 2 bathrooms, gardens and terracing, parking, large shared swimming pool and tennis court. Its location is absolutely prime and set in a private gated community.

Ideal residential home or investment opportunity with high rental returns.

£186,440 / €220,000 REF: AZ/0040

£

EL MORRO

VILLA COLUMBRETES

LAS FUENTES

Frontline luxury penthouse apartment with 2 bedrooms, 2 bathrooms, set in landscaped tropical gardens, only 100m to the Mediterranean. Close to all facilities, 20 minutes from the new local airport and 2km from a new golf course.

Stunning new villa, 3/4 bedrooms, 2 bathrooms, privileged position overlooking the marina and Mediterranean. Superb plot with private pool, very large sun terraces with panoramic views.

Set in beautiful gardens with pools, this excellent apartment has 2 bedrooms, 2 bathrooms, large sun terrace with panoramic views, underground parking and just 200m from the beach.

£161,016 / €190,000

£440,677 / €520,000

£165,254 / €195,000

REF: AZ/014

REF: AZ/068

REF: AZ/0028

MUST BE SEEN

£

EL LIMONAR

TRES PLAYAS

Exclusive new modern development, only 5 minutes to the beach and 20 minutes to the new airport. Consists of 1 and 2 bedroom options, sun terrace, underground parking and rooftop pool.

Fantastic design and build quality.

A beautiful villa with 2 bedrooms, 2 bathrooms, fully furnished, private parking, communal pool, tennis courts, close to marina and all local amenities.

Only 100m from the beach, ideal holiday home or retired permanent living.

FROM

£83,898 / €99,000

£220,338 / €260,000

REF: AZ/051

REF: AZ/001

Ask your consultant for the latest copy of our DB Spanish property brochure

All prices quoted are based upon an exchange rate of €1.18 to the pound

A U T U M N / W I N T E R 2 0 11

|

PORTfolio

7

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:42 Page 8

8

PORTfolio

|

A U T U M N / W I N T E R 2 0 11

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:42 Page 9

— F E AT U R E : B U C C A M E N T B AY R E S O R T —

Redefining luxury Buccament Bay Resort is the flagship of the Harlequin holiday experience.

Opened in August 2010, the Buccament Bay Resort epitomises what investors and holiday makers can expect from all the Harlequin Hotels and Resorts in the Caribbean.

Buccament Bay is a five-star, all inclusive, luxury resort located on the stunning Caribbean island of St Vincent, surrounded by lush green mountains and rainforest with crystal clear warm waters and a beautiful white sand beach.

Its location, accommodation and on-site facilities and activities make Buccament Bay the perfect holiday destination for the whole family or couples on honeymoon.

This luxurious resort offers everything you need to relax and unwind, from sun loungers under palm trees to poolside terraces and infinity pools but if you’re looking for a little more, Harlequin has catered for your every whim. Play tennis at the Pat Cash Tennis Academy, football with Liverpool FC stars, act at the Performing Arts Academy or totally relax with luxury massages and body treatments from ESPA. Indigo Dive will help you explore underwater areas and don’t worry about the young ones, the Little Harlequins Kids Club will take care of them for you.

Buccament Bay is where dreams come true.

ACCOMMODATION Built to the highest specifications and offering state of the art facilities, Buccament Bay Resort has a range of five star luxury villas, equipped with every luxury from

air conditioning and 40” LCD TVs with 65 digital TV channels and 12 music channels to plunge pools and free high speed wireless internet access. The beds are supremely comfortable with cool cotton bed linen and each bedroom has its own spacious and elegantly appointed bathroom with power shower, towels and sumptuous bathrobes.

LIVERPOOL FOOTBALL CLUB SOCCER SCHOOL Buccament Bay is the first of Harlequin’s resorts to feature a Liverpool Football Club Soccer School.

Liverpool Football Club is the UK’s most successful English football team, having won five European Cups and 18 league titles amongst a record 40 major titles.

At Buccament Bay, the soccer school provides training and coaching programmes for both adults and children aged five and above, in an environment where everyone is given the opportunity to play football to the best of their ability. Encouragement and training is given to develop the skills necessary for everyone to enjoy the game at whatever level they wish to play. During the summer of 2011 visitors had the chance of free soccer coaching with former Liverpool FC stars.

A U T U M N / W I N T E R 2 0 11

|

PORTfolio

PAT CASH TENNIS ACADEMY The Pat Cash Tennis Academy combines a unique training and coaching programme for both children and adults, developed from Pat’s many years of learning during his playing career.

Pat was ranked as the top junior player in the world in 1981 and in 1983, became the youngest player to play in the Davis Cup final. In 1987, Pat beat world number one, Ivan Lendl in the final to become Wimbledon Champion.

Pat’s Tennis Academy allows players of all abilities to be given encouragement and training to develop the skills necessary to enjoy the game at the level they wish to play and video analysis will help to improve their playing technique.

Those lucky enough to be in Buccament Bay throughout July and August 2011 had the opportunity of free tennis coaching sessions with Pat himself.

9

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:43 Page 10

— F E AT U R E : B U C C A M E N T B AY R E S O R T —

INDIGO DIVE The beautiful turquoise waters of the Caribbean are one of the reasons so many people choose to holiday there and St Vincent is no exception.

Indigo Dive & Watersports is the only member of the Professional Association of Dive Instructors Retail and Resort Association (PADI IRRA) in St Vincent. Visitors can choose to Scuba dive and snorkel, with or without PADI tuition, which includes essential equipment hire, tuition and appropriate course material. Group sizes are limited to four divers but one to one tuition is also available.

At Buccament Bay visitors can take advantage of the varied array of water sports available via Indigo Dive & Watersports

But, if you are looking for a different sort of water experience you can hire a motor boat for a breathtaking, high speed adventure to explore the sparkling Caribbean Sea and its stunning islands further afield.

10

Relaxing on the deck of a sleek motor Catamaran is the perfect way to view the stunning coastlines and azure waters of the Caribbean visiting idyllic palm-fringed beaches and sheltered bays to swim and snorkel.

PERFORMING ARTS ACADEMY

Hiring a Kayak for a couple of hours is the perfect way to explore the sea and shoreline around the resort at your own pace – easy to learn, fun and family-friendly.

Taking a tour in a glass bottom boat makes for a dry way to explore the underwater world.

Musical theatre at Buccament Bay has bought a different sense of fun and excitement to the resort. A four-day master class offers guests a chance to experience the magic of musical theatre and combine the skills of acting, singing and movement, from rehearsal to a grand finale performance, of songs from some of the best shows from the West End and Broadway.

The Performing Arts Academy is open to adults and children aged six plus and no previous experience is necessary.

Singing and dancing lessons can be given to individuals or groups.

PORTfolio

|

A U T U M N / W I N T E R 2 0 11

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 18:01 Page 11

— F E AT U R E : B U C C A M E N T B AY R E S O R T —

WEDDINGS & HONEYMOONS Very few locations in the world can offer the dream wedding experience found at Buccament Bay. The Caribbean may be renowned for being one of the most romantic wedding locations but it’s the extra touches and choices that make the difference.

Whether you dream of an intimate ceremony with only the sounds of waves lapping the shore and the breeze rustling through the palm trees, a barefoot chic celebration under a canopy adorned with garlands of seashells with family and friends or, for the totally unique experience of a wedding aboard a galleon ship, Buccament Bay Resort can offer this and more.

A number of wedding packages have been carefully tailored

allowing couples to choose from a simply blissful wedding including a champagne and canapé reception for up to ten people, an enchantingly elegant wedding including a romantic champagne and candlelit dinner on the beach for the bride and groom, to a delightfully different wedding where you can exchange your vows on Buccament Bay’s own galleon ship; The Pearl.

Dream honeymoons can be booked as part of your wedding plans at Buccament Bay or as a standalone holiday of a lifetime. Honeymoon couples can indulge in those few extras that make their time together special such as champagne and a bowl of fruit on arrival, a romantic champagne and candlelit dinner on the beach, breakfast in bed on the first morning and top it off with a sunset cruise with cocktails and canapés.

A U T U M N / W I N T E R 2 0 11

|

PORTfolio

11

Computer Generated Image

For married couples who wish to renew their vows in this blissful paradise location, Buccament Bay resort can arrange a ceremony and create a perfect celebration.

Additional extras are available to personalise your stay and nothing is too much trouble.

Harlequin Travel can arrange your entire holiday experience for you, see page 16 for details.

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:43 Page 12

i

DOMINICAN REPUBLIC

Two Rivers 100 acre site situated on the north coast at Sosúa. Gregorio Luperón airport 40 minutes drive.

Phase 1: Completion December 2012.

Dominican Republic

Computer Generated Image

£ 12

£

THE MARQUIS ESTATE

THE MERRICKS

St Lucia

Barbados

The jewel in the Harlequin crown – a world-class beach resort featuring a Gary Player signature golf course, Pat Cash tennis academy and health spa.

The luxury five-star Merricks resort will be situated in a stunning cliff top position in the south east of Barbados with spectacular panoramas, just 20 minutes from the Sir Grantley Adams International Airport. Fully furnished showhomes with landscaped gardens and lagoon under construction due for completion end of 2011/early 2012.

BUCCAMENT BAY RESORT

Off-plan prices from:

St Vincent & The Grenadines

£155,000*

1 bedroom apartment within the Phase 2 development, due for completion mid 2012 with a high-yield rental income.

All inclusive price:

£220,000*

For more information on these or any other Harlequin investment property, please contact your DB Consultant (see pages 18-19 for details)

Off-plan prices from:

£275,000* * For ALL property prices quoted above – as an investor you will only require 30% deposit

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:43 Page 13

— T H E C A R I B B E A N : P R O P E R T Y I N V E S T M E N T L O C AT I O N S —

i

DOMINICAN REPUBLIC

DOMINICAN REPUBLIC

Las Canas

The Hideaway

500+ acre site situated on the north coast at Carbarete.

Gregorio Luperón airport 40 minutes drive.

Phase 1: Completion March 2013.

Boutique hotel resort set on an 8 acre site, sharing many facilities with Las Canas.

Completion March 2013.

i

ST LUCIA

Harlequin Boutique Hotel Commence refurbishment before end of 2011.

Range of hotel rooms and suites on this highly desirable Rodney Bay Resort area of St Lucia.

Instant rental returns for investors.

The Marquis Estate i

850 acres set in lush tropical valley on the northeast coast.

ST VINCENT

Buccament Bay Resort

“Soft” opening: August 2010.

Featuring: Gary Player signature golf course, Pat Cash tennis academy, Island Sanctuary spa and a equestrian centre.

Official opening: April 2011.

Phase 1: Completion due end 2013.

100+ acres on southwest coast.

E.T. Joshua Airport (25 minutes).

Holidays selling through all major tour operators: Kuoni, Thomas Cook, ITC Worldwide, Caribtours.

Investors: Now earning from their guaranteed contracts.

St Lucia Barbados

St Vincent & The Grenadines i

BARBADOS

3

Exclusive Harlequin Boutique Hotels

Offering a variety of hotel suites and apartments.

Refurbishment programmes commence September 2011.

Rental returns for investors due mid 2012.

13

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:43 Page 14

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:43 Page 15

— TA K I N G C O N T R O L O F Y O U R P E N S I O N —

PENSIONS Can I make them work for me?

BY TIM HUGHES, CertPFS, CeMAP You know, retirement just seems to sneak up on you. As you get older the years seem to fly by and it’s quite natural to think about your lifestyle in retirement and in particular how much money you will have to spend on enjoying your retirement.

We know that at these times people might worry about how well their pension fund is doing. Annuity rates have been getting lower, so you need a bigger pension fund to get the same level of income that you would have got just a few years ago. But, because most pension funds are invested in the traditional markets, their growth rate in recent years has been pitiful.

You see, with a SIPP you are firmly back in control of your pension. But being in control doesn’t mean you are all alone. Exclusive SIPPs provide pension guidance for people like you.

We are an Independent Financial Advice firm that specialises in Self Invested Personal Pension solutions (SIPPs). These potentially give better returns than personal pensions or stakeholder schemes.

We offer a FREE pension review through DB International Homes, which will provide you with a report to let you know if a SIPP would be suitable for you.

A SIPP is now within the reach of even the most average of pension funds and is very popular with those who want to control where, when and how their pension fund is invested

1 HAVE YOU GOT A PENSION?

2 DO YOU KNOW WHAT IT’S WORTH? 3 DO YOU KNOW WHAT IT WILL GIVE YOU IN RETIREMENT?

People are beginning to wake up to the possibility that their pension nest eggs may not provide the type of lifestyle they were expecting in retirement and are searching for ideas as to what they can do about it.

Well, you could look into the possibility of using a Self Invested Personal Pension – a SIPP – to take control of your pension fund and perhaps bring you a better return. A SIPP is now within the reach of even the most average of pension funds and is very popular with those who want to control where, when and how their pension fund is invested.

3

3 GOLDEN QUESTIONS FOR THOSE ENQUIRING ABOUT SIPPS

TIM HUGHES 1 Stop Financial Services

To get a free guide to SIPPs and a free pension review, just contact one of the team at DB International Homes and they will be happy to refer you onto us.

A U T U M N / W I N T E R 2 0 11

|

PORTfolio

If you are UNSURE about any of the answers to the above – I would recommend a Pension Review.

Exclusive SIPPs is a product platform provided by 1 Stop Financial Services.

1 Stop Financial Services is authorised and regulated by the Financial Services Authority (Number 407894).

15

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:43 Page 16

We Guarantee to get your business in the press every month for just £275 per month!

holidays • flights • west end theatre trips • weddings

FOR ALL YOUR HOLIDAY NEEDS Why not book an all-inclusive visit to Buccament Bay Resort in St Vincent & The Grenadines for the ultimate in five-star luxury

01268 242467 Ref: DB International Homes

HOT OFF THE PRESS

Your chance to own a piece of blue sky With an exclusive contract with Harlequin Hotels & Resorts, BLUE SKY, a new Caribbean transfers operations company will provide guest transport between the islands via air and sea.

As operators BLUE SKY will own a fleet of light aircraft, luxurious boats and operational buildings in which to carry out smooth transfers for guests staying at the Harlequin Hotels and Resorts.

BLUE SKY is looking for shareholders worldwide but exclusively through Harlequin Property, to take advantage of this new business opportunity. From as little as £1,000 per share, investors can purchase shares using cash or funds from a SIPP.

For further information, please speak to your DB International Homes Consultant

For just £275 a month we provide a comprehensive PR and media service with professionally written press releases delivered direct to 1000s of contacts at national and regional newspapers, magazines, TV, radio, online media; syndicated news streams and bloggers.

0845 5272 801

Press Releases • Magazine Features • Newsletters Corporate Literature • Product Launches • Website Authoring Social Media • Email Marketing www.thewriteimpression.co.uk

www.facebook.com/writeimpression

twitter.com/#!/thewriteimp

Relax... ...it’s with Direct Solutions

If you have that urgent project, important mailing or just need something done, make us your first call.

Colour litho and digital printingÊUÊCompany stationery Leaflets & BrochuresÊUÊBusiness formsÊUÊFulfillment Posters & ExhibitionsÊUÊPersonalisationÊUÊPick and pack Machine insertingÊUÊMagazine polywrapping Storage and distributionÊUÊDesign across all media

T: 01255 221322 W: directsolutionsuk.com

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:43 Page 17

— D B C O N S U LTA N T : A A R O N F O S T E R I N T E R V I E W —

Able to give Caribbean informative advice EVENINGS DB INTERNATIONAL

PRESENTATION

Aaron Foster was first introduced to Harlequin Property Investments a few years ago but it wasn’t until he met DB International that he decided to invest in his first freehold Caribbean property.

“I bought my property through DB International because of their professionalism and passion for their products,” said Aaron. “But then I was so excited about my purchase I started telling family, friends and other associates about the Harlequin Resorts, the investment and the potential returns.

This was when I realised I knew enough about the product and the process that I might be able to sell the properties too.

So far, I haven’t met a single person who hasn’t been interested enough to at least say, ‘tell me more’

according to Aaron, may give the investor ‘some serious returns’, he points out that on completion, an investor’s asset can potentially double in value with the property being sold off-plan at around 50% below market value. From personal experience, Aaron is able to give informative advice to those planning to invest; “do your research extensively, make sure you have financial back up and assess all your options”. Aaron is excited for the future of his investment; he has purchased a studio at the Marquis Estate in St Lucia and is looking to purchase a studio suite in the Dominican Republic.

Mobile: 07533 986733 aaron@dbinternationalhomes.co.uk

As my background is IT, I do naturally analyse everything but this also means I can easily talk about the details, the stuff people really want to know. Through running my own company and being an IT Director for a national organisation, means that I have a solid group of contacts that I still meet with on a regular basis, this gives me the potential to reach out to many people who through a SIPP or private investment might be interested in achieving the same financial benefits as my own investment should give me.”

SEPTEMBER 2011 Menta Trade Fair Ickworth House Bury St Edmunds Suffolk IP29 5QE Diss Business Forum The Park Hotel, Diss Norfolk IP22 4LE Seckford Hall Hotel Woodbridge Suffolk IP13 6NU

OCTOBER 2011 Colchester Golf Club Braiswick, Colchester Essex CO4 5AU The Ivory Rooms Laindon Road Billericay Essex CM12 9LD The Mill Hotel Walnut Tree Lane Sudbury Suffolk CO10 1BD

NOVEMBER 2011 The Townhall Marketplace Hadleigh Suffolk IP7 5DN

Time: 7pm for 7:30pm unless otherwise stated Wine and light refreshments are served at all evening presentations Call your DB Consultant to book a place at any of the above evenings!

“So far, I haven’t met a single person who hasn’t been interested enough to at least say, ‘tell me more’.” The benefits,

A U T U M N / W I N T E R 2 0 11

|

PORTfolio

17

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:43 Page 18

— D B C O N S U LTA N T S : C O N TA C T D E TA I L S —

Meet the team • ESSEX

• ESSEX

Joanne Stevens

Paul Hughes

07894 099503

07957 811088

joanne@dbinternationalhomes.co.uk

paul@dbinternationalhomes.co.uk

‘I became interested in the Caribbean investment opportunity when a client decided to purchase a property.

We researched the opportunity together and both decided to invest. Since then I have visited Buccament Bay and seen first-hand the quality of the project and am happy to have invested personally.’

‘This is such a great investment opportunity, especially for the small investor and I wanted to be able to bring this to any many people as I could.’

• ESSEX

Terry Brooker

• SUFFOLK

07730 496794

Bob Scott

terry@dbinternationalhomes.co.uk

07836 719605

‘I joined DB because I wanted to give others the opportunity of having a great retirement income so as to enjoy their latter years happy and worry free.’

bob@dbinternationalhomes.co.uk 18

‘Having been successfully advising clients in the overseas market for many years I see the Caribbean as a huge opportunity for my client base and that is why I have joined the DB team.’

• ESSEX

Graham Moat

• SUFFOLK

07787 511251

Mark Chester

graham@moativated.net

07770 607283 mark@dbinternationalhomes.co.uk ‘I was introduced as a consultant by David Blackwell, whom I have known for many years. As we both belong to a professional business association I had always been impressed by his professional attitude and I already have an interest in property investment.’

‘This is a totally unique venture that brings 100% of the gains in income and capital appreciation with just 30% of the outlay for the initial pre-build period. So I had no hesitation in accepting DB’s invitation to join them and look forward to promoting the Harlequin brand.”

• ESSEX/FRANCE

Linda Rampling

• SUFFOLK

07876 140823

Chris Storey

ellgazer_star@yahoo.co.uk

07957 897305 sbsurveyors@uwclub.net ‘I spent some time looking at financing options for a property in the Caribbean for my own prospective purchase.

Harlequin’s thorough approach to planning and the credibility of their project partners led me to explaining this opportunity to others.’

PORTfolio

|

‘After meeting the Directors of DB early in 2010, I invested with confidence in the Caribbean and Brazil before becoming a consultant. My happiest memories are of times spent in the Caribbean. The people are so welcoming; the all year round excellent weather is good for the soul – hence I’ll always be happy to return.’

A U T U M N / W I N T E R 2 0 11

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:44 Page 19

— D B C O N S U LTA N T S : C O N TA C T D E TA I L S —

• ESSEX/FRANCE

• DIRECTOR

Steve Marshall

David Blackwell

07680 470166

07889 652480

steve.k.marshall@btinternet.com

david@dbinternationalhomes.co.uk

‘A chance reunion with David Blackwell, in early 2010, whom I have known for over 30 years showed me the potential of these Caribbean investments – I have invested my SIPP in St Lucia and Brazil. I am now a happy consultant, wanting to pass on the good news to my client base.’

• DIRECTOR

Roger Galton-Davis 07940 878520

• ESSEX

roger@dbinternationalhomes.co.uk

Lesley Finch 07718 893899 lesley@dbinternationalhomes.co.uk ‘I like DB International’s approach and professionalism and they are an excellent company to be associated with.’

COME AND ENJOY A GLASS OF WINE AT ANY OF OUR PRESENTATION EVENINGS – SEE PAGE 17 FOR DATES AND VENUES

Join the DB International Homes team as a self-employed consultant DB International Homes is seeking new pro-active consultants across the East Anglia region, to promote its Investment & Lifestyle property portfolio. No previous experience is required but successful candidates would be joining a growing and professional overseas property sales company on a self-employed basis.

If you work within the property industry as a lettings or estate agent, surveyor, mortgage consultant or IFA and are looking to enhance your business and income stream, then please contact us for more information.

We offer full support, including a range of marketing materials, dedicated comprehensive training programme, exhibition and seminar support from our staff – PLUS generous commission rates.

Be part of a forward-thinking company, offering quite possibly one of the best investment opportunities available in the UK. We look forward to speaking with you soon.

CALL: David Blackwell (07889 652480) or Roger Galton-Davis (07940 878520)

A U T U M N / W I N T E R 2 0 11

|

PORTfolio

19

2014 Portfolio Issue 1_Portfolio issue 1 25/08/2011 10:44 Page 20

Your DB International Consultant:

0845 003 8098 www.dbinternationalhomes.co.uk