Discover

the secret to earning

33% over 3 years
What the banks don’t want you to know
- earn 33%* return with investment cars

“ Small peer to peer lenders could

in time replace Hight Street Banks
Andy Haldane
Head of Policy at the Bank of England
”

Funded by people for people

*33% over 3 years works out to an average of 11% per year.
Investment cars - the secret to earning
33% over three years
Saving rates are low and stock markets jittery. So where is the best place to put your money
so it is working hard and generating an inflation beating return? The answer is investment
cars. The concept is simple. Most people borrow money to fund the purchase of a new car,
usually from a bank or other financial services provider - and at relatively high rates of
interest.
Pre-2008 70% of new cars were funded by a bank or a division of a bank.
Post-2008 40% of customers needing a new car are being turned away at the point of sale;
due to lack of liquidity and tightened credit criteria - same as in the general lending and
mortgage market.
What the banks don’t want you to know -

Mortgages are paid for by the bank with YOUR savings/cash

Cars are being funded by banks with YOUR savings/cash

Banks earn between 6%-20% per annum on a single car transaction!

Here is what buy2letcars.com

is able to do for YOU
Through our supply side arm www.wheels4sure.com, we work with volume manufacturers
such as Vauxhall UK and Hyundai UK to bring you a 33% return on your savings/cash over
a three year period.
With investment cars you act as a bank funding the car purchase. You get monthly
repayments on the 25th of each month and you earn 33% on a £13,500 investment.
It is an asset backed investment - secured against the car - and all the end users (lessees)
are carefully vetted. We do all the work including; finding and vetting the end user and fully
managing the process from procurement of the vehicle to disposal three years later. It is a
complete hands-off investment vehicle on your part, with low risk high returns that is asset
backed and an ideal way to get your money working harder in today’s market.

Funded by people for people

Why do banks finance car purchases?
Because it pays well!
More than two thirds of all new car purchases are funded by banks or other financial
institutions e.g. Lloyds - Blackhorse. Why are the banks happy to do this? Because they
know it is a low-risk investment secured against the asset - the car. Providing very good
inflation beating returns.
Let’s crunch some numbers:

Sells at Pays
£10,000 £12,400
24%

Car dealer Customer Bank

Step 1: A dealer
sells a £10,000 car bank
Step 3: The bank Step 4: The on its
to a customer charges the end user - makes 24%over
the customer 8% per investment .
Step 2: The bank annum over 3 years three years
pays the dealer for a total repayment
£10,000, secured of £12,400.
against the vehicle.

If you saved £10,000 with your bank, you will be lucky to get much over 2 to 3% a year
before tax! But as a buy2letcars client you take the place of the bank - and you earn much
higher returns. A 33% return over three years, asset backed monthly income and fully
managed product has to have a place in your investment portfolio today!
How it works
3 You invest £13,500. This funds a vehicle with a minimum retail value of £15,000+.
3 Global Positioning System (GPS) tracker fitted at no additional charge to you.
3 Innovative Pay As You Go technology fitted at no additional charge to you.
3 End-user procurement, vetting and three year lease management done for you at no
additional charge to you.

Financial Payback Summary

£9000 in Plus
3 years £8,955
33%

You 3 years Your gain

is
You receive £250 Your return
(per unit) a month 55
for 36 months -
At the end of the £9,000 + £8,9 7,955.
three years you a tota l of £1
A total of £9000. receive an exit fee % gain
payment of £8,955. This is a 33years on
over three s or cash.
your saving

Benefits at a glance
3 Each car enrolled in our system returns 33% over three years.
3 Get YOUR money working harder - beating inflation, savings, ISAs and fixed bonds.
3 Monthly income - meet your day-to-day cashflow needs.
3 Immediate payback by the 25th of the following month of settlement and every month
thereafter for a further 35 payments.
3 A legally binding fixed exit fee payment of £8,955.00 at the end of the three years.
3 Asset Backed Security - a tangible asset for added peace of mind.
3 Hands-off investment vehicle - fully managed over the three year term.
3 Easy referral system - refer friends and family and earn further monthly income.

Funded by people for people

We do all the work
Taking advantage of this investment opportunity is remarkably
simple as buy2letcars manages the whole process on your
behalf. This includes finding the end user - the person
leasing the car for three years - vetting them, managing the
lease agreement, supplying and fitting a GPS tracker and
handling paperwork and payments.
We deal with maintenance, parking fines, road tax and
monitoring insurance to make sure the vehicle remains
fully covered. We use payment technology to ensure you
receive the right money every month. It is a completely
hands-off investment vehicle for you.

Why it is low risk?

The end users (e.g. District Nurses, Royal Mail Managers, Care
Worker, Lawyers etc) - the people leasing the cars - are typically hard
working middle class professionals and key workers whose car is essential to their day to
day lives. They have an intrinsic need for a car, full-time employed; over 25 with a minimum
take home pay (after tax and NI) of at least £1,500 per month. In addition an income and
expenditure stress test is carried out to identify disposable income to service the monthly
lease. In simple terms we ensure they can afford the repayments and the running cost of
your asset. How do we do this? The old fashioned banking way - manual vetting.

Manual vetting
Each end user is vetted through an income and expenditure stress test, passport and
drivers licence identification, employment check and credit history referencing. This is
a far better way to check their true cashflow position and identity confirmation than the
flawed computer based credit system.
This is one of the keys to the success of the system. The end users are typically people
who can afford the repayments but due to the lack of liquidity at the banks, credit criteria
has been tightened or restricted they now cannot arrange the finance through traditional
channels. We meet that need and protect both ourselves and our investors through this
rigorous vetting process and use of innovative technology.
Smart technology
We use innovative smart technology to
protect your asset. Each vehicle is fitted
with a GPS tracker so we know where
your asset is at all times. The system also
ensures the car is limited to a maximum
of 15,000 miles per year - protecting
your asset against excessive mileage.
The technology includes a clever pay
as you go tool. If the end user has not
made their payment, exceeded their
mileage allowance or stopped their
comprehensive insurance cover, the car
simply will not start! Every end user is
made aware of this and it forms part of
the conditions of their lease agreement.

We honour the payments,

no matter what
Your ultimate reassurance is our payment responsibility - which means no matter what
happens, if the buyer’s circumstances change and they cannot afford the payments or the
car is subject to a total loss claim we continue to honour your payments each month as per
our legal binding contract with you. Your payment schedule remains unaffected. It is vital
that you know buy2letcars.com has built-in contingency for either scenario.
All legal documents including the Title Deed and V5C DVLA registration document is kept
by you. Buy2letcars.com manages the whole process on your behalf.
Call us today and get your money working harder at 33% over three years.
To find out more and how to get your money working harder call us today. We are buy2letcars.
com and we pioneered this innovative investment opportunity. We will be happy to answer
all your questions and talk you through the whole process. Alternatively you are welcome to
visit us at our business centre 1 Bell Parade Glebe Way West Wickham Kent BR4 0RH OR
call us FREE now on 0800 014 9228.

See It Big! Keep It Simple.

In times of change the learners will inherit the earth, while
the learned find themselves beautifully equipped to deal with
a world that no longer exists.

Funded by people for people

Testimonials
“I saw the advert in the Times one Tuesday in Dec ’12, spoke with one of their
Consultants and arranged a meeting at there then offices in Victoria. I must admit as
a businessman heavily involved in the construction industry for over 5 decades I was
sceptical on how they could achieve their numbers. Scott took his time and explained
to me that the same problems affecting the mortgage/construction industry were not
dissimilar to the car industry. That made sense to me once he ran through how they
are filling the gap and together with their suppliers they are able to offer 11% return
pa. I thought I’d try funding 1 vehicle and see how we got on. Pleased to say that today
I have 16 vehicles that they manage for me bringing in £4,000 monthly income. I
have to say that’s a tidy sum on dead money that was being eroded by inflation sitting
idle in the bank. I aim to add more moving assets very soon. “

Alan – Construction Company Director Essex

“Well it’s refreshing to see that in a stagnant economy of low interest, high inflation
and banks erupting all over the place, it’s encouraging to see innovation at work. I
started with 3 cars last year July 2012 earning £750 per month. I’m now up to 12 cars
leased out to essential users who need their cars for work and family runs. Earning
£3,000 per month comes in very handy to the point where if you listen to LBC97.3
you can hear my testimonial about this buy2letcars program. I would encourage
anyone with cash to at least speak to one of their consultants and find out whether
this solves the low interest problem we are all facing.”

C. Hughes - Warwickshire.

“The guys were patient and answered all our questions, they were happy to see me
even when I was passing in the area. It was reassuring for me and my wife to know
they were only a phone call away if needed while we waited for all our documents. We
are both looking forward to help build the business locally, as it’s a simple but great
idea. Excellent work guys keep up the good work.”

Mr Parvez High Wycombe, Bucks.

0800 014 9228

www.buy2letcars.com
Frequently asked questions
Q. Who owns the car - the asset?
A. The car is 100% owned by you and all legal documentation
will be in your name. You keep the title deed and the original
V5C registration document.
Q. How soon will I start seeing a return?
A. You start seeing your returns within 30 days from
concluding the deal.
Q. How much will I need to buy a car from you as an
investment?
A. £13,500, this will give a total asset backed return of £17,955
- 33% return over 3 years.
Q. How can you ensure my returns?
A. The end user is fully vetted to ensure they can afford to make
due payments on the 3 year lease of your car. However over
and above this buy2letcars.com will adhere and cover all
your monthly payments due to you irrespective of the end
user defaulting. In addition to this your investment car is
fitted with smart technology and prevents any use of your
asset without due payment being made.
Q. Who is responsible for servicing the car, taxing the car, and
insurance?
A. Every car is fully comprehensively insured by the end user
who is also responsible for servicing. Each car comes with
first year RFL; second and third years are paid for by end
user. Buy2letcars monitors this as part of our obligation to
you.
Q. What happens if the person leasing my car stops making
payments?
A. Buy2letcars is 100% committed and legally bound to honour
every payment due to you irrespective of end user default.
Q. What assurances can you give me about the quality of the
end user?
A. Every customer is manually vetted (the old fashioned
banking way) for affordability, identity, proof of occupation
and we ensure they are essential users. In addition the car
employs a clever pay as you go technology which speaks for
itself no pay - no go.
Q. Is £13,500 my only outlay to buy an investment car or are
there any hidden costs?
A. £13,500 buys you brand new investment car + management
+ end user procurement + technology supplied and fitted
and you get 33% return. However if you wish to take
advantage of the affiliate income then there is a one off fee
of £500. So your maximum total outlay on any one car will
not exceed £14,000.
Q. Who is responsible for insuring my investment vehicle?
A. As per a normal leased vehicle, the end user is always
responsible for insuring the vehicle. Buy2letcars
management responsibility ensures that your vehicle is
constantly monitored to ensure it is fully insured throughout
the term.
Q. What happens if the driver cancels his insurance and then
has an accident?
A. Buy2letcars has a payment process in place which includes
confirmation of payment, mileage monitor, and insurance
validation at each payment cycle.
Q. What happens if my investment vehicle is returned with
200,000 miles?
A. In the first instance it is impossible for your investment
vehicle to go over the 15,000 miles average per annum.
The GPS technology in the car monitors the vehicle
against any mileage abuse. The contract between you and
buy2letcars.com protects you from any financial loss due to
excess mileage.
Q. Who is responsible for any damage to my investment
vehicle?
A. The responsibility for damage to your investment vehicle,
is firmly with the end user the driver, however where
this responsibility is compromised, your contract with
buy2letcars.com ensures that you are not financially
responsible for any damage. In the same way a bank or
finance company is not held responsible for damage for
vehicles driven by the end user.
Q. Who is responsible for maintaining my investment vehicle?
A. Service schedules are monitored through date of registration
and the mileage monitor process, the end user is responsible
for maintaining the vehicle and buy2letcars.com ensures
the manufacturers’ schedules are adhered to.
Q. Who is responsible for taxing my investment vehicle in
years 2 and 3?
A. The end user is responsible for the second and third year
road fund licence; buy2letcars.com monitor’s this as part of
the lease agreement.
Q. What happens if the end users circumstances change and
they can no longer afford their payments?
A. As with all vehicle lease agreements, the car will be
repossessed from that customer. Your payments due are
not affected should this happen.
Q . What happens at the end of three years?
A You receive your final payment of £8955 and give ownership
of the vehicle to buy2letcars.com.
Funded by people for people
Buy2letcars.com Business Centre, 1 Bell Parade, Glebe Way,
West Wickham, Kent BR4 0RH
t: 0800 014 9228 e: info@buy2letcars.com
Compliance:
Companies House - Reg No7631458
OFT Consumer Credit Licence - Reg No650779
Information Commissioners Office - Reg NoZ3189385
HMRC VAT - Reg No134323446