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John Lloyd BA(hons) Law, CeMAP, MBA CEO Macmedia Services


AGENDA

I.

Background •

Macmedia Services

II. The Home Buyers Tool Kit • • •

Current tools & rationale Resources – negotiator / broker Revenue

III. Summary • •

Implementation Next steps


BACKGROUND

1 . Rationale • • •

Communication Sales tools New build mortgage products

2. Management • • • • • • •

John Lloyd Mark Ray Phil Milsom Ed Mc Sweeney Kevan Keegan Rob Rogers Robin Higham

Chief Executive IT Director Managing Director Operations Director Finance Compliance Corporate lawyer


THE TOOLS


THE TOOLS Negotiator */ Broker

*

- resources available via personal log in

Valuation tool Calculators

- managing expectations as to value (PX) - mortgage costs /affordability

90%+ Products

- shared equity, top up lending, collateral charges *

Credit Expert Broker / Solicitor Estate agent

- credit file details - preferred, local - selling options, help /advice

Persimmon website

- central

Insurance

- transaction, personal, property *

Key Links

- facilitate sales process

Home Making Send Site

- turning house to home / revenue * - promote Persimmon brand


NEGOTIATOR RESOURCES

1. Email & Skype • Domain name & convention (to be determined by Persimmon IT dept) • Hosting / access (to be agreed with Persimmon IT dept) • Conventions for Skype 2. Internet Access to be determined by Persimmon • Security options: proactive = block web sites, reactive = records all site visits • Competitor research / analysis links ? • Rightmove, Zoopla, Globrix, Hometrack, UpMyStreet ...links ? 3. Forms • Kit Form • Competitor Reports • Other documents...


BROKER RESOURCES

1. Access developments via Skype 2. Access & Submit exclusive new build products 3. Access “Veriphy” to speed up transaction 4. Collect data / create management information (to be determined by Persimmon) • • •

No. enquiries taken, failure reasons No. & value of mortgages submitted to lender & LTV Down valuations by site, by lender, by valuer


90%+ PRODUCTS

Product Solution

LTV

Private Top Up

90%

Furness

Private Top Up

90%

Furness

Private Top Up

92.5%

Collateral Charge

95%

Lender / %

Top Up / %

Purchaser

75%

Interest only 15%

10%

75%

Capital & Int 15%

10%

Manchester 80%

Interest only 12.5%

7.5%

Bath

95%

5%


REVENUE

Local Advertising Revenue •

Option 1 : Macmedia deal direct with local contacts

Option 2 : Persimmon region collects revenue & pays fixed fee to Macmedia per site / month

Insurance • • •

Aviva, Paymentshield, Safe & Secure No compliance / regulatory issues for Persimmon Repeat income £60 per policy for life of policy

National Opportunity • • •

Free electricity + homeowner is paid for excess to Nat Grid Solar Panels avg £6k to £15k £500 commission paid on deposit


TOOL KIT REQUIREMENTS

Persimmon 1. Broadband

Welcome to PERSIMMON - Home Buyers Tool Kit

care re lead in time

2. Local marketing

agree charging arrangements

3. Lap top insurance

covered by show home policy?

Macmedia 1. Sponsor

capital purchase for lap tops

2. Maintenance & Helpline

hardware & software

3. General Insurance

agree terms


SUMMARY & NEXT STEPS

1. Communication channels: UK & Regions 2. Domain names & conventions 3. Initial roll out program 4. New sites/closures procedures 5. Broadband 6. Theft & damage 7. Helpline 8. System review mechanism 9. Consider development opportunities 10. Revenue / cost - neutral


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Persimmon  

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