Mary Riley Custom Build Funding Limited Financing Methods Self Build / Custom Build / Community Group Self Build

Size: px
Start display at page:

Download "Mary Riley Custom Build Funding Limited Financing Methods Self Build / Custom Build / Community Group Self Build"

Transcription

1 Mary Riley Mary Riley Custom Build Funding Limited Financing Methods Self Build / Custom Build / Community Group Self Build Copyright Mary Riley Custom Build Funding Limited October 2016 All rights reserved

2 Build / Community Group Self Build Planning policy and guidelines on local authorities A) Many local authorities have land that may be allocated to Custom Build Development Sites. B) Exemption of the Community Infrastructure Levy for Custom and Self Builders

3 Self Build / Custom Build / Community Group Self Build The Government is committed to increase housing supply and help more people have a home of their own. The Government believes that Custom and Self Build housing will contribute towards meeting that demand it will also create growth within the smaller and medium house builders developing more diversity in the housing market. As we know - Custom Build Funding may be delivered in a number of ways!

4 C) 10 Unit threshold for Section 106 affordable housing contributions D) National Planning Policy Framework (NPPF) - Local Planning Authorities LPA) - evidence consideration of demand for Custom and Self Build housing has been taken into account when developing the Local Plans. NPPF presumption in favour of Sustainable Development.

5 H C A (Homes and Community Agency) 3 billion Home Building Fund Loans from 250K to 240M are available Term up to 5 years for development finance up to 20 years for infrastructure costs Visit - homebuildingfund@hca.gsi.gov.uk Bridge Facility Securing Funds against an existing residential property. 1 st or 2 nd charge against the property

6 Peer 2 Peer Finance Association This type of investment is not government backed under the Financial Services Compensation Scheme ( 85,000). If a platform goes bust a third party must be appointed to take responsibility of the existing loan book.

7 Crowd Funding - Presentation by CitBit Escrow Account Client s own funds held in an Escrow Account Lender Funds held in an Escrow Account Crowd Funding Funds Held in an Escrow Account Benefits of an Escrow Account - Funds released from the Escrow account on production by agreement of all associated parties Bridge Facility Securing Funds against an existing residential property. 1 st or 2 nd charge against the property

8 Developer Led / Project Manager led - Funding Released at Various Stages During the Construction of the Property A) Land B) Footings / Sub Structure C) Build to Eaves Height D) Wind and Watertight Roof Tiled E) First Fix Plastering F) Second Fix Completion

9 Community / Collective / Group Self Build Part Developer Led Funding Secured against a completed Property. Accepting Sweat Equity as part Deposit (Up to 20%) Enabling Developer Build to Wind and Water Tight Purchaser may complete 1 st and 2 nd fix

10 Speak with lenders / Mortgage Consultants. Do not give permission to be credit searched during your fact find exercise Discuss Rates of Interest associated Fees, Stage Payments during the build project. Method of Construction Valuation Instructed: Ensure the surveyor understands the method of construction

11 Build / Community Group Self Build Up to 90% loan to value of land and interim values / end value.(loan to cost)! Method of Construction!!! Have open dialogue with all your suppliers to ensure the lender stage release funding is compatible with the suppliers payment terms. (Money Pot)! Offer of Advance - Check Conditions Solicitor requests first release of funds (further funds requested via Advisor)

12 Employed Gross Basic Salary, Bonus, Commission Self-employed Net Profit, SA302 s Dividends Retired Pensionable Income Asset rich Additional Security (rental income) Existing Commitments: Credit Card Balances, Loans, Investment Properties. 6 months bank statements Lifestyle As with standard house mortgages, the maximum sum a lender will be prepared to advance is based on the ability of the applicants to repay the mortgage. This is based on an affordability calculation also subject to meeting lending criteria. This will vary from Lender to Lender.

13 Supporting Documentation Required Planning Permission Building Regulation Approval Detailed Plans and Specifications Estimated Total Project Costs Inc. Breakdowns Evidence of Own Cash Contribution to Project Payment Terms to Suppliers / Trades

14 Supporting Documentation Required S A P Calculation Contractors/Construction Company/Manufacturing Suppliers Evidence of Financial Strength of Contractor Evidence of Company Insurances e.g.. P I Cover Evidence a minimum of 20% contingency added to total project costs.

15 Build / Community Group Self Build Typical Draw Down of Funds Brick and Block Timber Frame Purchase of Land Purchase of Land Associated Preliminary Costs and Foundations Wall Plate Level Timber Frame Kit Erected Wind & Watertight Wind & Watertight First Fix & Plastering First Fix & Plastering Second Fix & Completion

16 VAT Reclaim VAT Form 431NB Reclaim VAT Form 431C VAT registered builders / tradesmen - Zero Rate Invoices Self Builders reclaim VAT they pay when purchasing materials and services see exceptions on

17 Mary Riley Custom Build Funding Ltd Off Set Additional Costs Higher Energy Costs are Anticipated!!! Reduction in the cost of Your Utility Bills Enhanced Monthly Disposable Income!! Reduction in the rate of interest? Sale of property! Eco Properties may Command a Higher Purchase Price!!! Possible Off Set Period!!!

18 Site Insurance Essential Insurances Self Build Zone and Q Assure Build Structural Warranty: 1) Premier Guarantee 2) Self Build Zone 3) LABC 4) Q Assure Build Defective Title

19 Mary Riley Custom Build Funding Limited By MARY RILEY Build Tomorrow s Home Today Research and communications are the ultimate key to a successful Self Build / Custom Build / New Home DO YOUR HOME WORK!! ENJOY YOUR PROJECT MaryRiley@pfmassociates.co.uk

ScS Group Plc Interim Results For The 26 Weeks Ended 24 January 2015 March 2015

ScS Group Plc Interim Results For The 26 Weeks Ended 24 January 2015 March 2015 ScS Group Plc Interim Results For The 26 Weeks Ended 24 January 2015 March 2015 October 2014 H1 2015 Highlights Financial Highlights: Like for like sales order intake up 7.8% Flooring up 13.0% Total sales

More information

A guide to self build. April 2017

A guide to self build. April 2017 A guide to self build April 2017 Steps to Self Build Success As a leading provider of self build and renovation mortgages, we ve helped many people realise their ambition to build their own dream home.

More information

ScS Group plc Preliminary Results for the year ended 30 July October 2016

ScS Group plc Preliminary Results for the year ended 30 July October 2016 ScS Group plc Preliminary Results for the year ended 30 July 2016 4 October 2016 October 2014 ScS Group plc preliminary results for the year ended 30 July 2016 Agenda Agenda Introduction David Knight Chief

More information

Spring/Summer Incentives

Spring/Summer Incentives Spring/Summer Incentives 2018 Welcome to our latest offers Whether you are installing a new high efficiency central heating system or a single appliance, there are so many great reasons to switch to natural

More information

Spring/Summer Incentives

Spring/Summer Incentives Spring/Summer Incentives 2018 Welcome to our latest offers Whether you are installing a new high efficiency central heating system or a single appliance, there are so many great reasons to switch to natural

More information

IT PAYS TO SAVE ENERGY.

IT PAYS TO SAVE ENERGY. Cover IT PAYS TO SAVE ENERGY. A guide to Xcel Energy rebates, incentives and programs for residential customers in Colorado. Four ways toward greater home efficiency: 1. Water-saving products... 3 Home

More information

Pre-seen case study for Strategic level examinations Papers E3, P3 and F3. For examinations in May 2014 and September 2014

Pre-seen case study for Strategic level examinations Papers E3, P3 and F3. For examinations in May 2014 and September 2014 Pre-seen case study for Strategic level examinations Papers E3, P3 and F3 For examinations in May 2014 and September 2014 PRE-SEEN MATERIAL, PROVIDED IN ADVANCE FOR PREPARATION AND STUDY FOR THE EXAMINATIONS

More information

Rapid Growth in the Retail Business

Rapid Growth in the Retail Business Rapid Growth in the Retail Business Aris Bogdaneris, Board Member October 2005 Retail Banking: Rapid Growth Now and in the Future Customers (mn) 5.6 Pre-tax profit ( mn) 3.3 5.0 42.5 57.8 2.0 Average Assets

More information

For personal use only TOUCHCORP 1H2015 RESULTS PRESENTATION DATED: THURSDAY, 27TH AUGUST 2015

For personal use only TOUCHCORP 1H2015 RESULTS PRESENTATION DATED: THURSDAY, 27TH AUGUST 2015 TOUCHCORP 1H2015 RESULTS PRESENTATION DATED: THURSDAY, 27TH AUGUST 2015 DISCLAIMER The material in this presentation has been prepared by Touchcorp Limited ARBN 603 731 184 (Touchcorp) and is general background

More information

INVESTOR PRESENTATION

INVESTOR PRESENTATION TOUCHCORP LIMITED ASX:TCH WWW.TOUCHCORP.COM INVESTOR PRESENTATION $25.6M CAPITAL RAISING SEPTEMBER 2016 TOUCHCORP LIMITED 1 TOUCH SERVICE OFFERING TOUCHCORP NOW OFFERS ITS CUSTOMERS A COMPLETE OMNI-CHANNEL

More information

Principal Brands UK and Northern Ireland

Principal Brands UK and Northern Ireland Profile UK and Ireland based Building Materials Group Principal activities Builders and Plumbers Merchanting DIY Retailing in Ireland Dry Mortar Manufacturing Annualised turnover over 2.8 billion Market

More information

Arun Nayar Senior Vice President, Finance and Treasurer

Arun Nayar Senior Vice President, Finance and Treasurer Arun Nayar Senior Vice President, Finance and Treasurer November 18, 2010 Forward-Looking Statements / Safe Harbor Certain statements in this presentation are forward-looking statements within the meaning

More information

FY2017 Consolidated Business Results May 9, 2018 Toshiba Tec Corporation

FY2017 Consolidated Business Results May 9, 2018 Toshiba Tec Corporation FY2017 Consolidated Business Results May 9, 2018 Toshiba Tec Corporation Content 01 Key Messages 02 FY2017 Consolidated Business Results 03 FY2018 Forecast 1 Key Messages Toshiba Tec achieved the highest

More information

SPE financial reporting - avoiding the common pitfalls

SPE financial reporting - avoiding the common pitfalls www.pwc.com/securitisation SPE financial reporting - avoiding the common pitfalls How important is it to you to get the answers right? In this publication we discuss the common pitfalls in SPE financial

More information

Official Journal of the European Union

Official Journal of the European Union 23.3.2018 L 81/45 COMMISSION DECISION (EU) 2018/493 of 22 March 2018 amending the Annex to the Monetary Agreement between the European Union and the Principality of Andorra THE EUROPEAN COMMISSION, Having

More information

WELCOME TO KALAMAZOO VALLEY HABITAT FOR HUMANITY!

WELCOME TO KALAMAZOO VALLEY HABITAT FOR HUMANITY! WELCOME TO KALAMAZOO VALLEY HABITAT FOR HUMANITY! Introduction Thank you for your interest in volunteering with Kalamazoo Valley Habitat for Humanity! We are happy that you have joined our team to help

More information

Steinhoff Briefing to Parliament 29 August 2018

Steinhoff Briefing to Parliament 29 August 2018 Steinhoff Briefing to Parliament 29 August 2018 Content The Steinhoff delegation here today Reminder of our commitment Where we were in January 2018 Progress since January 2018 Reminder of Steinhoff the

More information

FY2017 First Six Months Consolidated Business Results

FY2017 First Six Months Consolidated Business Results FY2017 First Six Months Consolidated Business Results November 8, 2017 Content 1. Key Messages 2. FY2017 First Six Months Consolidated Business Results 3. FY2017 Forecast 1 Key Messages Operating income

More information

Matas FY/Q4 2016/17 Results

Matas FY/Q4 2016/17 Results Matas FY/Q4 2016/17 Results Forward Looking Statements This presentation contains statements relating to the future, including statements regarding Matas A/S future operating results, financial position,

More information

About. It all starts with a no obligation, site survey and quotation. We ve built 1000 s of bespoke Garden Rooms nationwide.

About. It all starts with a no obligation, site survey and quotation. We ve built 1000 s of bespoke Garden Rooms nationwide. We ve built 1000 s of bespoke Garden Rooms nationwide. About It all starts with a no obligation, site survey and quotation. At Garden Lodges, we design, build and manufacture bespoke garden buildings across

More information

Sound Transit 3. Appendix A: Detailed Description of Facilities and Estimated Costs

Sound Transit 3. Appendix A: Detailed Description of Facilities and Estimated Costs Sound Transit 3 Appendix A: Detailed Description of Facilities and Estimated Costs Table of Contents Sound Transit 3 Plan Map... 3 Total agency: Projects... 4 Total agency: Sources and uses of funds...

More information

November 14, Rich Meelia President & CEO

November 14, Rich Meelia President & CEO November 14, 2007 Rich Meelia President & CEO Forward-Looking Statements This presentation contains certain forward-looking statements within the meaning of the United States Private Securities Litigation

More information

KITUI COUNTY ASSEMBLY BUDGET SUMMARY

KITUI COUNTY ASSEMBLY BUDGET SUMMARY I Development and Recurrent Expenditure KITUI COUNTY ASSEMBLY BUDGET SUMMARY II Heads and items under these expenditure will be accounted for by KITUI COUNTY ASSEMBLY Item 0001 COUNTY ASSEMBLY SERVICES

More information

Wacker Neuson Retail Finance Programs Q April 1, 2018 June 30, 2018

Wacker Neuson Retail Finance Programs Q April 1, 2018 June 30, 2018 Wacker Neuson Retail Finance Programs Q2 2018 April 1, 2018 June 30, 2018 www.wackerneusonfinance.com US rates Standard s Excavators, Skid Steers, Compact Track Loaders, and Small Excavators 0.00% 0.99%

More information

HOME RENOVATION INCENTIVE SCHEME EXTENDED TO Guide for Hardware Retailers and Builders Merchants

HOME RENOVATION INCENTIVE SCHEME EXTENDED TO Guide for Hardware Retailers and Builders Merchants HOME RENOVATION INCENTIVE SCHEME EXTENDED TO 2018 Guide for Hardware Retailers and Builders Merchants Background Over 1.25 billion in home renovation and repair works have been put through the Home Renovation

More information

STRESS-FREE RENOVATIONS By Nick Brownlee, Managing Director Procuro Building and Renovation

STRESS-FREE RENOVATIONS By Nick Brownlee, Managing Director Procuro Building and Renovation STRESS-FREE RENOVATIONS By Nick Brownlee, Managing Director Procuro Building and Renovation BUILDING & RENOVATION RENOVATING YOUR HOUSE INTO YOUR DREAM HOME IS A PRIVILEGE WE ENJOY EVERY DAY. Procuro Building

More information

Ben Gordon Chief Executive

Ben Gordon Chief Executive Interim Results 18 th November, 2009 Ben Gordon Chief Executive Performance highlights Group sales +7.9% to 387.3m Group network sales up 13.6% to 549.1m Group underlying profit before tax +11.1% to 10.0m

More information

Custom & Self Build: Extending Housing Choice

Custom & Self Build: Extending Housing Choice Custom & Self Build: Extending Housing Choice Michael Holmes @holmesmike Chair: National Custom and Self Build Association (NaCSBA) Director of Content: Homebuilding & Renovating Today s talk Introduction

More information

Will we see a return of traditional financing structures? A Corporate View

Will we see a return of traditional financing structures? A Corporate View Will we see a return of traditional financing structures? A Corporate View 1 Stéhan Grobler Steinhoff International Holdings Limited Karlsruhe Germany October 2010 Agenda 2 Steinhoff Group Overview Group

More information

Mayor s Neighborhood Summit

Mayor s Neighborhood Summit Mayor s Neighborhood Summit Be Green, Save Green! Chris Castro, Director of Sustainability Brittany C. Sellers, Sustainability Project Manager Workshop Agenda Overview of Green Works and focus area on

More information

Travis Perkins plc The largest supplier of building materials in the UK. Year ended 31 December 2012

Travis Perkins plc The largest supplier of building materials in the UK. Year ended 31 December 2012 Travis Perkins plc The largest supplier of building materials in the UK Year ended 31 December 2012 1 Robert Walker Chairman 2 Geoff Cooper Highlights 3 Summary Good financial performance within a market

More information

Read Before You Renovate

Read Before You Renovate Read Before You Renovate A SOLID FOUNDATION FOR YOUR RENOVATION OR ADDITION Canadians love their homes. So much so that homeowners spent more than $70 billion in 2015 on residential renovation, according

More information

CHAPTER 12 IMPLEMENTATION

CHAPTER 12 IMPLEMENTATION CHAPTER 12 IMPLEMENTATION The 2010 Town of Denton Comprehensive Plan is intended to capture a vision of the future of Denton. As such, it provides a basis for a wide variety of public and private actions

More information

The Planning Partnership Urban Design, Landscape Architecture, Planning, Communications

The Planning Partnership Urban Design, Landscape Architecture, Planning, Communications The Planning Partnership Urban Design, Landscape Architecture, Planning, Communications WHAT WE HEARD Stakeholder Workshops One of the key components in the development of a Guelph-specific parkland dedication

More information

COMMUNITY GARDEN BYLAWS

COMMUNITY GARDEN BYLAWS COMMUNITY GARDEN BYLAWS Article I Name and Purpose of the Garden Name of garden: Midland Health Community Garden 4214 Andrews Highway, Midland, Texas 79703 Goals: To provide an accessible and affordable

More information

Self Build Housing Market Report - UK Analysis

Self Build Housing Market Report - UK Analysis Self Build Housing Market Report - UK 2016-2020 Analysis Published: 07/04/2016 / Number of Pages: 83 / Price: 845.00 Introduction and Overview The 6th edition of the'self Build Housing Market Report -

More information

The Art of Building a Garden City: New Communities for the C21st

The Art of Building a Garden City: New Communities for the C21st BETA Housing 2018 The Art of Building a Garden City: New Communities for the C21st Katy Lock, Projects & Policy Manager, TCPA About the TCPA Leading the debate on planning Campaigning to improve the UK

More information

Almacenes Éxito S.A. Consolidated Financial Results For the three-month period ended March 31. First Quarter 2013 Financial Highlights

Almacenes Éxito S.A. Consolidated Financial Results For the three-month period ended March 31. First Quarter 2013 Financial Highlights Almacenes Éxito S.A. Consolidated Financial Results For the three-month period ended March 31 2013 New Éxito Soledad in Atlántico First Quarter 2013 Financial Highlights Note: Consolidated figures include

More information

Information Summary Redstone HOA Event October 17, 2015

Information Summary Redstone HOA Event October 17, 2015 Information Summary Redstone HOA Event October 17, 2015 1) Who maintains the Fitness Equipment? a. Residents should call 3-1-1 to report any maintenance concerns with the fitness equipment. The landscaping

More information

STUDY REPORT SR 287 (2013) New House Owners Satisfaction Survey MD Curtis

STUDY REPORT SR 287 (2013) New House Owners Satisfaction Survey MD Curtis STUDY REPORT SR 287 (2013) New House Owners Satisfaction Survey 2012 MD Curtis The work reported here was funded by BRANZ from the Building Research Levy. BRANZ 2013 ISSN: 1179-6197 Preface This is the

More information

Preliminary Results 19 May 2005

Preliminary Results 19 May 2005 Preliminary Results 19 May 2005 Ben Gordon Chief Executive Highlights Successful 2nd year of turnaround Strong profit growth Strong cash position Dividend doubled Growth plans gaining momentum Steven Glew

More information

Exemptions Interprofessional practice: Architects and engineers are exempt for work which is incidental to their practice.

Exemptions Interprofessional practice: Architects and engineers are exempt for work which is incidental to their practice. Landscape Architecture Licensure Laws ASLA Summary of Provisions MAINE Maine Revised Statutes: Title 32, Chapter 3 A Code of Maine Rules: Chapter 2, Section 288 Type of Law: Title act. Maine State Board

More information

Combination to Create a Leading Commercial Real Estate Credit REIT with Approximately $5.5 Billion in Assets and $3.4 Billion in Equity Value

Combination to Create a Leading Commercial Real Estate Credit REIT with Approximately $5.5 Billion in Assets and $3.4 Billion in Equity Value Colony NorthStar, NorthStar Real Estate Income Trust and NorthStar Real Estate Income II Announce Creation of Colony NorthStar Credit Real Estate, Inc. Combination to Create a Leading Commercial Real Estate

More information

DISPOSAL GALERIA KAUFHOF. 15 June 2015

DISPOSAL GALERIA KAUFHOF. 15 June 2015 DISPOSAL GALERIA KAUFHOF 15 June 2015 DISCLAIMER AND NOTES To the extent that statements in this presentation do not relate to historical or current facts, they constitute forward-looking statements. All

More information

Interim Report HORNBACH-BAUMARKT-AG GROUP FIRST HALF-YEAR 2004/2005 (MARCH 1 - AUGUST 31, 2004)

Interim Report HORNBACH-BAUMARKT-AG GROUP FIRST HALF-YEAR 2004/2005 (MARCH 1 - AUGUST 31, 2004) Interim Report HORNBACH-BAUMARKT-AG GROUP FIRST HALF-YEAR 2004/2005 (MARCH 1 - AUGUST 31, 2004) Page 2 HORNBACH-BAUMARKT-AG Group Interim Report (IFRS) for the First Half-Year 2004/2005 (March 1 August

More information

Interim Results 2009/10. Slides will be available at

Interim Results 2009/10. Slides will be available at Interim Results 2009/10 Slides will be available at www.kingfisher.com Disclaimer The following presentation is being made only to, and is only directed at, persons to whom such presentation may lawfully

More information

INTRODUCTION RM 300,000.00

INTRODUCTION RM 300,000.00 INTRODUCTION Self-service laundry is a business that growing nowadays. This business basically operated 24 hours and with a coin operated machine, people can wash their clothes at any time and can finished

More information

Second Quarter Interim Report

Second Quarter Interim Report 2 Second Quarter Interim Report For the Six Months Ended June 30, 1997 W E L L S E R V I C E L T D. Financial Summary ($millions, except per share amounts) Six months ended June 30, Three months ended

More information

PRODUCTIVE (FOOD) LANDSCAPES

PRODUCTIVE (FOOD) LANDSCAPES PRODUCTIVE (FOOD) LANDSCAPES Effective January to December 2018 REGENERATIVE LANDSCAPES AUSTRALIA www.rlaustralia.com.au A GUIDE FOR CLIENTS This documentation outlines the basis upon which RLA is engaged

More information

Love Columbia Benevolence Fund Guidelines and Procedures

Love Columbia Benevolence Fund Guidelines and Procedures Love Columbia Benevolence Fund Guidelines and Procedures Introduction and Purpose The Love Columbia Benevolence Fund is an officially recognized and designated restricted fund of Riverside Community Church.

More information

Complete transformation of façade to increase street appeal and uplift value.

Complete transformation of façade to increase street appeal and uplift value. BEFORE AFTER This week, Top Renovator Cherie Barber lends her expert skills to a couple who are planning a complete internal and external renovation on their newly purchased investment property. What this

More information

Preliminary Results 20 May Mothercare Preliminary Results

Preliminary Results 20 May Mothercare Preliminary Results Preliminary Results 20 May 2010 Mothercare Preliminary Results Ben Gordon Chief Executive Performance highlights Group network sales up 10.0% to 1.1 billion Underlying profit from operations up 16.6% to

More information

Understanding Household Electricity Use

Understanding Household Electricity Use Understanding Household Electricity Use Annual Energy Use in the Home (for an average family of 3 4 people) Heat 50% Hot Water 20% Appliances & Lighting 30% Heat 50% of the annual energy used in an average

More information

Garver Feed Mill Timeline

Garver Feed Mill Timeline Garver Feed Mill Timeline 1) 1989 Garver Feed Mill is designated as a CDA Redevelopment Project 2) 1991 Olbrich Botanical Gardens opens Bolz Conservatory, Schumacher Library, and associated buildings 3)

More information

Become an Interior Decorator

Become an Interior Decorator Get paid to decorate! FabJob Guide to Become an Interior Decorator Tag Goulet and Catherine Goulet Visit www.fabjob.com Contents About the Authors...10 Acknowledgements...11 1. Introduction...13 1.1 Interior

More information

The Copper Kettle & Galway House, Reeth

The Copper Kettle & Galway House, Reeth Hawes 01969 667744 Leyburn 01969 622936 Bentham 015242 63739 Settle 01729 825311 www.jrhopper.com Market Place, Leyburn North Yorkshire DL8 5BD leyburn@jrhopper.com For Sales In The Dales 01969 622936

More information

Home Ownership & Intermediate Markets. Andrew Brader Senior Sales & Marketing Officer Orbit Homes

Home Ownership & Intermediate Markets. Andrew Brader Senior Sales & Marketing Officer Orbit Homes Home Ownership & Intermediate Markets Andrew Brader Senior Sales & Marketing Officer Orbit Homes Introduction to Orbit Homes Biggest HomeBuy Agent in country (Norfolk, Suffolk, Cambridgeshire, Bedfordshire

More information

Ireland s Biggest & Best Home Show. Autumn RDS OCT Bringing Buyers and Sellers Together in Their Tens of Thousands

Ireland s Biggest & Best Home Show. Autumn RDS OCT Bringing Buyers and Sellers Together in Their Tens of Thousands Ireland s Biggest & Best Home Show RDS 27-30 OCT 2017 Autumn Simmonscourt Spring DUBLIN 20-22 APR 2018 www.idealhome.ie Bringing Buyers and Sellers Together in Their Tens of Thousands Since it was first

More information

RENOVATING FOR PROFIT COLYTON RENOVATION ENTIRE HOUSE - COSMETIC RENO

RENOVATING FOR PROFIT COLYTON RENOVATION ENTIRE HOUSE - COSMETIC RENO RENOVATING FOR PROFIT COLYTON RENOVATION ENTIRE HOUSE - COSMETIC RENO Homeowners, Janet and Fred bought this western Sydney home not too long ago, with the aim of building a property portfolio for long

More information

Helping the Homeowner: A Program for Residential Rehab

Helping the Homeowner: A Program for Residential Rehab Helping the Homeowner: A Program for Residential Rehab A Webinar Sponsored by Heritage Ohio July 18 th, 2012 The Cleveland Restoration Society uses the powerful tool of historic preservation to revitalize

More information

The Right to Build Extending Housing Choice

The Right to Build Extending Housing Choice The Right to Build Extending Housing Choice Fixing Our Failing Housing Market We have consistently failed to build enough new homes to meet demand Permanent Dwellings Completed by Tenure Calendar Year

More information

Gardens Network Lease and Liability Agreement

Gardens Network Lease and Liability Agreement Gardens Network Lease and Liability Agreement This agreement is between (garden name) and Community GroundWorks, Inc. The Gardens Network provides assistance with leases and liability for community gardens

More information

FINANCIAL SERVICES COMPENSATION SCHEME (SINGLE CUSTOMER VIEW SUPERVISION AND OTHER AMENDMENTS) INSTRUMENT 2009

FINANCIAL SERVICES COMPENSATION SCHEME (SINGLE CUSTOMER VIEW SUPERVISION AND OTHER AMENDMENTS) INSTRUMENT 2009 FINANCIAL SERVICES ENSATION SCHEME (SINGLE CUSTOMER VIEW SUPERVISION AND OTHER AMENDMENTS) INSTRUMENT 2009 Powers exercised A. The Financial Services Authority makes this instrument in the exercise of

More information

Interim Report HORNBACH-BAUMARKT-AG GROUP

Interim Report HORNBACH-BAUMARKT-AG GROUP Interim Report HORNBACH-BAUMARKT-AG GROUP 1st QUARTER 2006/2007 (MARCH 1 MAY 31, 2006) HORNBACH-Baumarkt-AG Group Interim Report (IFRS): First Quarter of 2006/2007 (March 1 May 31, 2006) 2 Pleasing business

More information

HORNBACH Baumarkt AG Group Q3/9M 2017/2018

HORNBACH Baumarkt AG Group Q3/9M 2017/2018 HORNBACH Baumarkt AG Group Q3/9M 2017/2018 Quarterly Statement as of November 30, 2017 2 HORNBACH BAUMARKT AG GROUP QUARTERLY STATEMENT: 3 RD QUARTER AND 1 ST NINE MONTHS OF 2017/2018 HORNBACH BAUMARKT

More information

2017 Tax Contribution Report

2017 Tax Contribution Report Tax Contribution Report Contents 3 Message from the Chief Financial Officer 3 Introduction 4 Effective company tax rate 5 Reconciliation of accounting profit to income tax expense and income tax payable

More information

FRONT PORCH SUNSHINE REQUEST FOR QUOTATIONS CONTRACTOR AND SYSTEM QUALIFICATIONS

FRONT PORCH SUNSHINE REQUEST FOR QUOTATIONS CONTRACTOR AND SYSTEM QUALIFICATIONS FRONT PORCH SUNSHINE REQUEST FOR QUOTATIONS CONTRACTOR AND SYSTEM QUALIFICATIONS The Florida Solar Energy Research and Education Foundation, Inc. (FlaSEREF) is seeking the services of solar companies to

More information

budget deficits by raising Do you support offsetting Do you believe marriage is the union of one man and woman and that no government has the

budget deficits by raising Do you support offsetting Do you believe marriage is the union of one man and woman and that no government has the Do you believe human life begins at conception and deserves legal protection at every stage until natural death? Is Religious freedom one of our most foundational freedoms? Should people be able to vote

More information

Ways to Find the Money Hiding in Your Kitchen CLIQ INFO SERIES

Ways to Find the Money Hiding in Your Kitchen CLIQ INFO SERIES 6 Ways to Find the Money Hiding in Your Kitchen CLIQ INFO SERIES 6 Ways to Find the Money Hiding in Your Kitchen Last year US homeowners spent nearly $300 billion on home maintenance and improvements,

More information

FOR SALE Roosevelt Way Seattle, WA Features. Michael Todd

FOR SALE Roosevelt Way Seattle, WA Features. Michael Todd FOR SALE FOR MORE INFORMATION PLEASE CONTACT: 5048 Roosevelt Way Seattle, WA 98105 Features mtodd@ westlakeassociates.com PRICE: $1,795,000 UNITS: 3 SIZE: 6,450 SF ZONE: NC2 40 CAP: 4.5 GRM: 18.1 + Transit

More information

Security Products: Standard

Security Products: Standard Training Objectives Understand Product & Packages The more knowledge the customer has about what they are getting, the more likely they will not cancel. Leads submitted with no knowledge of pricing cancel

More information

Ben Gordon Chief Executive

Ben Gordon Chief Executive Interim Results 17 November 2005 Ben Gordon Chief Executive Resilient half Solid sales performance Improved margins Costs controlled Rapid International growth Steven Glew Finance Director Profit and loss

More information

Preliminary results 2003/04. Slides will be available at

Preliminary results 2003/04. Slides will be available at Preliminary results 2003/04 Slides will be available at www.kingfisher.com Sir Francis Mackay Chairman 2003 a landmark year Kesa Electricals demerger completed Non-core disposals completed Home Improvement

More information

Warm air heating equipment

Warm air heating equipment Technology information leaflet ECA767 Warm air heating equipment A guide to equipment eligible for Enhanced Capital Allowances Contents Introduction 01 Background 01 Setting the scene 01 Benefits of purchasing

More information

Half yearly report to shareholders six months to 31 December 1999

Half yearly report to shareholders six months to 31 December 1999 Half yearly report to shareholders six months to 31 December 1999 Wesfarmers Limited ACN 008 984 049 Interim highlights Operating revenue up 4.3 per cent to $1.6 billion Operating profit after tax before

More information

who are taxi truck? For any entrepreneur wishing to discover their dreams

who are taxi truck? For any entrepreneur wishing to discover their dreams Franchise Details We have a variety of new franchise opportunities right now in several locations. If you want to join with us as we continue our expansion across the UK, we would like to hear from you.

More information

B&M European Value Retail SA Interim Results Presentation 26 weeks to 23 rd September 2017

B&M European Value Retail SA Interim Results Presentation 26 weeks to 23 rd September 2017 B&M European Value Retail SA Interim Results Presentation 26 weeks to 23 rd September 2017 Interim FY18 Group Highlights Group revenues increased by 21.7% to 1,346.4m B&M LFL revenues +7.5%, Q2 LFL +7.7%

More information

Pine Street Community Gardens Annual General Meeting

Pine Street Community Gardens Annual General Meeting Pine Street Community Gardens Annual General Meeting Date: Sunday, November 30, 2008 Time: 11:00 am 12:30 pm Place: SPEC Building (Maple and West 5 th Avenue) Attendees: Eric Jandcin (recorder), Sarah

More information

Q1 Report 2014/ September Klas Balkow CEO

Q1 Report 2014/ September Klas Balkow CEO Report 2014/15 10 September 2014 Klas Balkow CEO Agenda 2014/15 Events after period-end Strategic priorities Q&A Store opening in Levanger, Norway, in June 2014 2 High energy and strong position 186 stores

More information

Report Date: January 28, 2014 Contact: Matt Shillito Contact No.: RTS No.: VanRIMS No.: Meeting Date: February 4, 2014

Report Date: January 28, 2014 Contact: Matt Shillito Contact No.: RTS No.: VanRIMS No.: Meeting Date: February 4, 2014 ADMINISTRATIVE REPORT Report Date: January 28, 2014 Contact: Matt Shillito Contact No.: 604.871.6431 RTS No.: 10327 VanRIMS No.: 08-2000-20 Meeting Date: February 4, 2014 TO: FROM: SUBJECT: Vancouver City

More information

AILA CPD TREE OF KNOWLEDGE DESIGNING AND CONSTRUCTING

AILA CPD TREE OF KNOWLEDGE DESIGNING AND CONSTRUCTING AILA CPD TREE OF KNOWLEDGE This Tree of Knowledge provides a list of core competencies on which the CPD framework will evolve, and is designed to provide a filing repository for future CPD resources. DESIGNING

More information

Umhlanga 2003 Hillcrest 2004 Centurion 2008 Pietermaritzburg 2009

Umhlanga 2003 Hillcrest 2004 Centurion 2008 Pietermaritzburg 2009 FranSmart Concepts is a consumer brand holding company and the company's primary business is the franchising of the Butcher Boys and Franki Bananaz brands. The group is primarily involved in the establishment

More information

AUTOMATIC FIRE ALARM MONITORING

AUTOMATIC FIRE ALARM MONITORING Application for Automatic Fire Alarm Monitoring Service Aviation Rescue Fire Fighting Service Version 4.0 Tick one of the following: New service Alteration of service Removal of service * Please complete

More information

COMPLETION OF ACQUISITIONS OF STARHILL GALLERY AND LOT 10 AND USE OF PROCEEDS OF UNDERWRITTEN RENOUNCEABLE RIGHTS ISSUE

COMPLETION OF ACQUISITIONS OF STARHILL GALLERY AND LOT 10 AND USE OF PROCEEDS OF UNDERWRITTEN RENOUNCEABLE RIGHTS ISSUE SGX-ST Announcement COMPLETION OF ACQUISITIONS OF STARHILL GALLERY AND LOT 10 AND USE OF PROCEEDS OF UNDERWRITTEN RENOUNCEABLE RIGHTS ISSUE Unless otherwise defined, capitalised terms used herein shall

More information

DFVA Analyst Meeting 2017

DFVA Analyst Meeting 2017 DFVA Analyst Meeting 2017 HORNBACH Holding AG & Co. KGaA September 28, 2017 Frankfurt/Main Page 1 Financial Year 2017/2018 1st Half/2nd Quarter (March August 2017) Page 2 since March 28, 2017 Shareholder

More information

Support the implementation of Cape Coral's Comprehensive Plan. Protect and utilize the unique natural resources in the City.

Support the implementation of Cape Coral's Comprehensive Plan. Protect and utilize the unique natural resources in the City. 7.0 OVERVIEW - RECOMMENDATIONS Chapter 7 The preparation of the Cape Coral Parks and Recreation Master Plan spanned a period of approximately 12 months. Plan preparation included the input of a wide range

More information

It is my pleasure to welcome you to the world of Kravet Inc. fabrics and furnishings.

It is my pleasure to welcome you to the world of Kravet Inc. fabrics and furnishings. WELCOME Dear New Kravet Inc. Customer, It is my pleasure to welcome you to the world of Kravet Inc. fabrics and furnishings. We have enclosed some important information about Kravet Inc. to help you become

More information

Date: 23 January Grange and Riverside Ward. Deputy Chief Executive

Date: 23 January Grange and Riverside Ward. Deputy Chief Executive Item No. 8. Classification: Open Date: 23 January 2012 Meeting Name: Bermondsey Community Council Report title: Ward(s) or groups affected: From: Section 106 Release Report for the provisional allocation

More information

School of Business Investment Program. The Home Depot. September 20, Consumer Discretionary Analyst

School of Business Investment Program. The Home Depot. September 20, Consumer Discretionary Analyst September 20, 2018 Taylor Crawford Performance Analyst Theo Harrison Consumer Discretionary Analyst Daniel Hassett Special Events Coordinator Ashley Markow U.S. Economist Table of Contents Investment Thesis

More information

REINVESTING IN YOUR LAUNDROMAT

REINVESTING IN YOUR LAUNDROMAT REINVESTING IN YOUR LAUNDROMAT A guide to maximizing profit potential, minimizing costs and optimizing your business WHY SHOULD I REINVEST IN MY LAUNDROMAT? The laundromat landscape is rapidly changing.

More information

DataDot Technology Limited ABN Securities Exchange Announcement

DataDot Technology Limited ABN Securities Exchange Announcement DataDot Technology Limited ABN 54 091 908 726 Securities Exchange Announcement 30 th January 2014 Market Update Growth Strategy Being Implemented Background As enunciated at the AGM in November, the company

More information

WESFARMERS FORECASTS CONTINUED STRONG GROWTH

WESFARMERS FORECASTS CONTINUED STRONG GROWTH WESFARMERS FORECASTS CONTINUED STRONG GROWTH 13 June 2001 Wesfarmers Limited today announced its takeover offer for all of the shares in Howard Smith Limited and provided its bidder s statement (the Bidder

More information

5 Gratton Terrace London NW2 6QE. Reference: 17/5094/HSE Received: 4th August 2017 Accepted: 7th August 2017 Ward: Childs Hill Expiry 2nd October 2017

5 Gratton Terrace London NW2 6QE. Reference: 17/5094/HSE Received: 4th August 2017 Accepted: 7th August 2017 Ward: Childs Hill Expiry 2nd October 2017 Location 5 Gratton Terrace London NW2 6QE Reference: 17/5094/HSE Received: 4th August 2017 Accepted: 7th August 2017 Ward: Childs Hill Expiry 2nd October 2017 Applicant: WSD (Gratton) Ltd Proposal: The

More information

Preliminary Results 2006/07 20 June 2007

Preliminary Results 2006/07 20 June 2007 Preliminary Results 2006/07 20 June 2007 John Clare Group Chief Executive Group performance Year of significant change Underlying sales Underlying Like for Like sales Underlying PBT Gross margins down

More information

Dusty Miller Nursery and Greenhouse 329 Vinca Lane Salvia, IA 54311

Dusty Miller Nursery and Greenhouse 329 Vinca Lane Salvia, IA 54311 3. Your horticulture class has produced 1,000 geraniums in 4 square pots for a spring plant sale. Your class set the selling price at $2.00 each. How many of the plants must be sold to reach your break

More information

COMPLYING DEVELOPMENT CERTIFICATE APPLICATION Made under the Environmental Planning and Assessment Act 1979 Sections 85, 85A

COMPLYING DEVELOPMENT CERTIFICATE APPLICATION Made under the Environmental Planning and Assessment Act 1979 Sections 85, 85A COMPLYING DEVELOPMENT CERTIFICATE APPLICATION Made under the Environmental Planning and Assessment Act 1979 Sections 85, 85A IDENTIFICATION OF BUILDING Address Lot, DP/MPS etc Suburb or town Post Code

More information

Global and China Electrochromic Materials and Devices Industry Report, Dec. 2015

Global and China Electrochromic Materials and Devices Industry Report, Dec. 2015 Global and China Electrochromic Materials and Devices Industry Report, 2014-2018 Dec. 2015 STUDY GOAL AND OBJECTIVES This report provides the industry executives with strategically significant competitor

More information

Candidates *DNR = Did Not Respond City of Anna

Candidates *DNR = Did Not Respond City of Anna Do you believe human life begins at conception and deserves legal protection at every stage until natural death? Is Religious freedom one of our most foundational freedoms? Should people be able to vote

More information

MY BILL OF RIGHTS.ORG COMMISSIONING GUIDELINES & STANDARDS VISION AND PROCESS

MY BILL OF RIGHTS.ORG COMMISSIONING GUIDELINES & STANDARDS VISION AND PROCESS MY BILL OF RIGHTS.ORG CELEBRATING AMERICA S FOUNDING FREEDOMS THE BILL OF RIGHTS MONUMENT PROJECT A LEGACY OF LANDMARK INSTALLATIONS ART AND INSPIRATION IN OUR PUBLIC SQUARE COMMISSIONING GUIDELINES &

More information

The Remodeling Market

The Remodeling Market The Remodeling Market Kermit Baker Remodeling Futures Program International Builders Show January 21, 2010 www.jchs.harvard.edu Remodeling Market Issues 1. Where do we stand in the remodeling cycle at

More information