BREEZEWOOD COURT TERRACES IKOTA LEKKI A Four in One, Four Bedroom Terrace Apartment affordable luxury living in Lekki Lagos seconds from the Ocean view Investment Profile.

1. Investment Guide
BREEZEWOOD
COURT
RESIDENCES
Terraces and Apartments
Ikota Lekki

2. The Lekki Peninsula has been a strong growth area since
1989 when the then military Governor of Lagos State , Brig
Raji Rasaki ordered caterpillars and bulldozers into the
shanty settlements of Sand Field and Maroko in Victoria
Island and proceeded to create the legal framework for
the residential developments of Victoria Island extension
and Lekki Phase 1 communities: that was 24 years ago.
“in 24 years
billions of
dollars in real
estate assets
have been
created on
the Peninsula”
Investment Guide

3. Today, Lekki Peninsula wears a completely different look,
from the shanty settlements and fishermen's huts that
dotted the Peninsula sprang forth multimillion naira
mansions and skyscrapers ,in 24 years billions of dollars in
real estate assets have been created on the Peninsula,
thereby making the strip one of the largest concentration
of new wealth on the African continent, a phenomenon that
has catapulted many families who had foresight into the
ranks of the nouveau riche set to maintain their family
wealth for generations to come.
Investment Guide
“The Lekki
Peninsula has
been a strong
growth area
since 1989”

4. Meanwhile successive Lagos State Governments have
continued to up the ante in the provision of infrastructure
and proper town planning services with a view to making
the Peninsula a reference point for smart and functional
urban city development that can rank favorably with other
international coastal cities such as New York and Tokyo , in
a few years the Peninsula will have a fully fledged Free
Trade Zone , a deep Sea Port and an Airport, which are all
expected to be magnets for major economic activity in the
area, meanwhile the private sector is also not resting on its
oars , with the ongoing construction of almost 60km Lekki
Epe express road which has bisected the Peninsula into a
free traffic highway, so many private developers have
followed up with Shopping Malls, Industrial/Warehouse
developments, Academic Institutions, Residential Estates,
Multi-purpose Arenas, Hotels and other landmark real
estate projects.
Investment Guide

5. From the foregoing, so much wealth has been created in 24
years, however, the growth of the Peninsula is still just at its
infancy and Lekki will still continue on its path of healthy
growth and huge capital gains for many years to come,
therefore there is still more wealth to be created to
accommodate many more people with foresight who will be
part of the new nouveau riche, however the question is how
do you get a piece of this growth opportunity and build
wealth for yourself especially as most assets are now priced
out of reach of the working man by property speculators, the
choices appear very tough especially in a depressed
economy.
At Roy Davis Realty,we design out real estate investment
products to suit the working man, especially those that are
priced out of the current housing market, we do not assume
that the average working man has access to stupendous
amounts of wealth stashed away such that he can afford to
buy assets priced at N20-35M without any qualms, instead
we believe that the working man can leverage his
employment and credit history to own assets and build
wealth in a process that is simple, transparent, flexible and
convenient.
Working with our bankers and discerning real estate
developers we are committed to providing these wealth
building opportunities to hardworking citizens who qualify,
we have set out a process that is risk free, convenient, flexible
and affordable to enable young and active Nigerians who are
gainfully employed use leverage to create viable real estate
portfolio and build assets even as they remain actively
engaged in their primary work assignments
“...At Roy
Davis Realty,
we believe
that the
working man
can leverage
his
employment
and credit
history to
own assets
and build
wealth...”
Investment Guide

7. Breezewood Court Residences, Ikota (Luxury Terraces and
Apartments) is one of series of residential real estate
projects that have been carefully designed and planned to
provide such wealth building opportunities to working
people, with great investment features such as:
HIGH UPSIDE POTENTIAL
- Up to 30% pre-construction discount
- Up to 250% return on investment
SAFE, RISK – FREE INVESTMENT
- Low entry point, only 10% deposit required to secure
a unit
- Your deposit is held in a bank escrow (protected by
NDIC), earning interest till home is delivered
USE LEVERAGE (MORTGAGE FINANCE) TO OWN YOUR
HOME, AND THEN PAY OFF OVER 10-20YEARS
- Leverage on the credit worthiness of your employer
and take advantage of a pre-approved mortgage
- You can sell your home at open market value on
completion and earn a substantial margin on your
investment
INNOVATION
- Take advantage of a risk free, innovative financing
model to own property and build wealth
- Experience how you can build a strong and viable
real estate portfolio even as you remain committed
to your primary job assignment.
Investment Guide

8. OTHER FEATURES
1) Pre-approved mortgage, we set up your mortgage
account from day one
2) Up to 90% loan to value mortgage loan is available
for a maximum period of 10 years
3) Your mortgage account can be transferred to
FMBN/NHF @ 6% interest rate per annum when you
pay down your mortgage below the NHF threshold
4) Property is already significantly discounted to
provide room for huge upside margin at delivery
5) Deposit commitment held in escrow account will
earn minimal interest pending delivery of home.
From the forgoing, it is easy to see how you can own the
house of your dream with a minimal deposit commitment
(10%), 10-20 years mortgage facility (up to 90% LTV,
however, additional equity maybe required during
construction subject to value of your gross annual income),
enjoy interest- earning- deposit -protection in a bank
escrow, exercise the right to sell your house at completion
at the open market value and earn your margin
Investment Guide
“Your deposits
are not only
safe (securely
held in a bank
escrow) but are
interest earning
even while your
house is being
built, this is a
first of its kind
real estate
investment
innovation in
Nigeria”
Roy Davis
Realty……..
working for
you.

9. Please refer to the chat below for an indicative Loan to Value amounts that applies to various levels of equity contributions,
though you can place a 10% deposit commitment in an escrow account to secure your unit, the final LTV amount financed at
mortgage will be subject to your gross monthly income from which a third should ideally be applied towards mortgage
servicing, your gross monthly income also determines the percentage equity contribution required of you at delivery and
mortgage, therefore, even when you reserve a unit with 10% commitment, additional equity might be required during
construction, please refer to the chart to see the category that applies to your income structure.
Investment Guide
Principal and Interest 16.5% fixed x 10years.
Mortgage Finance and Indicative Loan Amortization Schedule
4 Bedroom, 3- floor, all ensuit Terrace home
Off Plan offer price: N35M
Projected Asset Value at Delivery based on comparables: N50-55M
Minimum Commitment Deposit: 10% (N3.5M)

10. Investment Guide
3 Bedroom Luxury Flat @ 16.5% principal and interest fixed for 10years
3 Bedroom Luxury Apartment plus maid room, with ensuit facilities in all rooms
Off plan offer price: N20, 000,000.00
Projected valuation at delivery, based on comparables: N30-36M
Minimum Deposit required: 10% (N2, 000,000.00)

11. Profitability Analysis
The Terraces and Apartments at Breezewood Court
Residences having been significantly discounted at the
current offer prices; therefore, these properties have the
potentials to out-perform other investment products in the
market, i.e. Equities, Bonds, Certificate of Deposits (CDS)
and Treasury Bills.
E.g. if you are eligible for a 90%LTV mortgage, and you make
an equity deposit of 10% for a 3 Bedroom Luxury Apartment,
and at completion, the price of the housing unit goes up by
only 25% to N25M, your return on investment based on 10%
equity contribution will be 250%, when you consider the fact
that no development company is selling Apartment housing
in Ikota for a price lower than N30M, and that even Lagos
State Government sold apartments at Abraham
Adesanya/Lekki Scheme 2 axis for N29.5M, the viability of
Breezewood Court Residences as a good investment product
become very glaring.

12. Investment Guide
Projected Valuation at Delivery
Equity

13. Investment Guide
Diagrammatic illustration of projected rate of return on investment based
on equity contributed and final valuation at delivery for Three Bedroom Luxury Flats
Projected return on investment for the luxury apartments
based on the equity contributed.

14. Investment Guide
4 Bedroom Terrace Homes
Projected rate of return on investment based on the equity
contributed and final valuation at delivery

15. Investment Guide
Diagrammatic illustration of projected rate of return on investment based
on equity contributed and final valuation at delivery for Four Bedroom Luxury Flats

17. HOW TO PARTICIPATE
To express interest in any of the terraces or luxury apartment units in Breezewood
Court, you should
a) Request a subscription form from the vendor
b) Complete all the required fields, attach a passport photograph and submit to
the vendor, the vendor can also make arrangements to pick up your completed
forms from your offices, or you could do a drop off at the 6B, Bendel Close off
Bishop Aboyade Cole , Victoria Island Lagos.
c) Subscribers are advised to review the investment guide carefully to determine
the LTV mortgage amount they qualify for and also to know the percentage
equity contribution that will be required at mortgage
d) Subscribers are advised to send a mail to akhibi@roydavisrealty.com, and cc
factorycompany@yahoo.com or call 07038120960 if any clarification is
required
e) Once completed, the subscriber is advised to write a bank draft or personal
cheque in his or her name for 10% of the value of the preferred house type
and submit same with the application form.
f) Upon the review of the completed forms to the satisfaction of the vendor and
the agent, a complete set of mortgage account opening forms will be
forwarded to the subscriber to fill out and set up his/her mortgage account.
g) Two copies of a sales and purchase agreement will also be forwarded to the
subscriber for endorsement, it is in this document that the detailed terms of
reference will be specified, and by endorsing this agreement, the subscriber
also authorizes the bank to move the deposit from his/her account to the bank
escrow account, where it will remain, yielding interest till the home is delivered.
h) At completion of construction, the vendor will issue a deed of assignment and
a registered survey in favor of the subscriber, hand same over to the bank who
now settles account with the vendor while the subscriber takes over the
property based on the terms of mortgage.
i) For subscribers who are self employed and may not be able to meet the terms
and conditions of mortgage, you can contact us via telephone or email to
discuss your unique circumstance so that we can design a payment plan
suitable to your lifestyle.
j) For those subscribers who are interested in floating and flipping their homes in
the open market, Roy Davis Realty will take the listing and help subscriber put
the property in the market for a 5% brokerage fee
For further inquiries send a mail to sales@roydavisrealty.com ,
factorycompany@yahoo.com or call 07038120960

18. BREEZEWOOD
COURT
RESIDENCES
Terraces and Apartments
Ikota Lekki
copyright 2013