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Your capital is at risk and investments are not covered by the Financial Services Compensation Scheme (FSCS).

Victoria Mill - Interim Equity

Town End Rd, Draycott, Derby


£105,000

Funded

£105,000

Total Fund


Term (Months)
12

Projected Annualised Return
11.0%

Strategy
Standard BTL

Interim Equity
Projected returns are an estimate. Returns may go down or up based on the future market value of the property and rental values achieved.


Key Points


  • Converted Grade II listed mill
    This apartment in Draycott, Derbyshire is part of a converted Grade II listed mill that has been previously funded on CrowdLords and, having paid off Investors in full, we are now looking to refinance it using Interim Equity again for further 1 year term.
  • Interim Equity investment
    As an Interim Equity investment, the capital gains made are realised when the shares are redeemed at the end of the term. With this investment there is no dividend yield.
  • No legal costs to pay
    As the property is already owned by the SPV, there are also no legal costs to pay.
Summary
  • 12 month investment
  • Fully managed by Complete RPI
  • Fixed capital growth of 11% p.a.
  • Beautiful, historic Grade II listed building, recently converted

Projected returns


Ordinary Class B Shares
  • For investors investing £20,000 or more
  • Projected Total Return of 44% or 22% p.a.**
  • Over 24 months
  • Minimum Preferred Return of 16% p.a.***
Ordinary Class C Shares
  • For investors investing £20,000 or less
  • Projected Total Return of 35% or 17.5% p.a.**
  • Over 24 months
  • Minimum Preferred Return of 12% p.a.***

*Target start date is 31st May 2018. Shares may be issued in two tranches to avoid delays.
** Projected return to be paid as a capital gain if circumstances make it possible to do so
*** The Minimum Preferred Return is the return payable to Crowd Investors before the Developer takes any profit themselves.

Property name: Victoria Mill

Address: Draycott

Property type:  Flat – Purpose built

Property age: 2000+

Market type: Young professionals

Description: N/A Read more.

Local Property Market


Draycott attracts residents who wish to commute to Nottingham or Derby whilst at the same time benefitting from the charm of a village full of amenities.

Derbyshire and the East Midlands generally, have historically performed slightly behind the rest of England and Wales, but there have been improvements in recent years and they are expected to match the rest of England and Wales over the next five years according to the Savills Growth Forecast.

Draycott is a charming village in Northern Central England. The local train station runs direct lines to Birmingham, Nottingham and London, as well as being located only 10 miles from East Midlands' airport, one of UK's fastest growing airports.

Draycott is conveniently located five miles from Westfields, and is perfectly situated for access to both Derby and Nottingham. Draycott residents include many commuters and University students wanting access to the nearby cities.

Local Property Market analysis uses House Price Index data from The Land Registry. The commentary is opinion only and should not be taken as fact.

 

Capital Investment


Refinance Amount £100,000
Stamp Duty £0
Legal & Professional Fees £0
Contingency Allowance £2,000
CrowdLords Fees £3,000
Total Funds Required £105,000
Less Finance & Deposits -N/A
Remaining Funds Required * N/A
Ordinary A Shares - Developer Equity N/A
Ordinary B Shares - Crowd Equity N/A
Orindary C Shares - Crowd Equity N/A

* Shares may be issued in Tranches to avoid delays

 

Capital Returns


Gross Development Value* £120,750
Market Growth** £5,750
Gross Sales Price £120,750
Contingency Fund £2,000
Sales Costs -£3,011
CL Growth Fees -£0
Gross Profit £14,739
Corporation Tax -£2,800
Projected Net Profit £11,938
Share of Growth Paid 97%
Capital Return to Equity Investors £11,249
Projected Capital Return to Equity Investors 11.0%

*The stated Gross Development Value is based on the current sales values achieved within the area

**Market Growth projections are opinion only and in reality this figure could be less or even negative

 

Return Summary


Investment Period 12 Months
Avg. Annual Income Return* 0.00%
Total Income Return* 0.00%
Total Capital Return** 11.0%
Projected Total Return 11.0%
Projected Total Annualised Return 11.0%

*Income Return figures assume that the property is on a rental assurance contract at a rate of £575 / month.

**Capital Return figures are based on the average market growth of 5% p.a. during the 12 month period.

CrowdLords Development Analysis


Risk Return Profile*

CrowdLords Risk Rating
Investment Period A
Macro Location & Market C
Micro Location C
Level of Development A
Landlord Track Record A
Overall A

* The Risk Return Profile is a subjective assessment made by CrowdLords based on the information provided by the LandLord. Investors should make their own assessment of Risk & Reward before investing. Please note the Buy-to-Let Risk Return Profile is different to the Development profile and they should not be compared directly.

 

Capital Returns

We include a CrowdLords Risk Rating to illustrate where the investment lies on our Risk Return Profile.  Where risks are higher it is usual to expect a higher return and this is designed to aid quick comparisons only. It is our opinion only and should not be taken as a recommendation. You should judge the Risk for yourself using the information provided and your own investigations to form your own opinion.
We rate Risk across 5 parameters and grade them as being A, B, C, D or E. A being lower Risk. The five areas we grade are:

The Investment Period – the longer the period, the less the risk
Macro location and market – has the area performed well historically
Micro location – is the property in a good location for rental / sale
Level of Development – the degree of development and the cost / time risks
Track Record – the track record of the LandLord / Developer

We combine these into a weighted rating between A and E and show how the Risk / Return compares with what we would expect.

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Property details


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