Recent Instructions

  • UK Nationals based in the Cayman Islands seeking finance of £700,000 to assist with the purchase of two North London apartments on a buy to let basis.

  • New Zealand based client with property in London valued at £450,000. Seeking refinance and equity release to purchase New Zealand residential property for own occupation - £250,000

  • Singapore based Lawyer seeking finance for refinance and equity release on existing UK property to purchase additional investment property - £400,000

  • Expat based in China seeking a refinance of UK property valued at £235,000. Existing lender would not renew as borrower no longer UK resident.

  • Singaporean clients looking to purchase London property at £450,000 for rental investment opportunity. Loan required of £300,000

  • Self employed UK National based in Malaysia seeking finance of £1.925m to assist with the purchase of a Central London residence.

  • UK Expat based in Moscow looking to relocate family back to UK. Seeking mortgage at 80% of purchase price.

  • Clients based in Sri Lanka seeking finance of 80% to purchase apartment in Bristol for their daughter whilst studying at university.

  • UK National from Scotland with flat based in Glasgow. Living and working on a yacht in the Caribbean seeking mortgage of £70,000 to refinance current mortgage from onshore lender.

  • Channel Islands resident with commercial property based in London valued at £2m. Property owned by SIPP and placed in offshore company with equity release to beneficial owner of £500,000

  • Existing client (UK Expat) based in Brunei looking to purchase a third property back in the UK for £300,000 on a buy to let basis. Finance raised on an interest only basis over a 10 year term.

  • UK clients based in the RoI seeking finance to purchase a small portfolio of UK properties taking advantage of depressed market prices. Total funding requirement £925,000 approved over a 20 year term.

  • Purchase of 4 North London apartments for £1m for wealthy African family through a BVI company which is in turn owned by a Trust administered in Switzerland. Finance approved at 3.14% for a 20 year term.




Jersey is the largest of the Channel Islands. It is located in the English Channel in the Bay of St. Malo at 49 deg. N 2 deg. W. The Island covers about 116 sq. km. and the population is approximately 91,000. About 30% live in the capital and financial centre, St.Helier. The Island has a history dating back many centuries and there is evidence of human activity as much as 250,000 years ago. Jersey was linked to Brittany until 933 A.D. and in the tenth century it became a possession of the Duchy of Normandy. In 1204 when the English Crown lost the French possessions, Jersey remained loyal and it has ever since been a dependency of the British Crown.

Jersey is known as a Bailiwick. The Bailiff is appointed by the Crown and presides over the legislative body, known as the States. He is also the president of the Royal Court. The Lieutenant Governor represents the British monarch. The States consists of 54 members elected for a six-year term, Lieutenant Governor and the Dean of Jersey. The latter two officers do not have a vote. Jersey is internally self-governing. The British Government is responsible for foreign affairs and defence. The Island is associated with the European Union by virtue of the treaty of accession entered into by the United Kingdom. The main industries are financial services, agriculture and tourism.

Jersey, the largest of the Channel Islands, is one of the leading offshore financial centres.  It imposes no income, capital gains or estate taxes and has a well-regulated financial services industry.  It provides a full range of offshore banking facilities. Many large banks maintain offices on the Island and there are many offshore fund management companies based there.  There is a sound legal framework for the registration of companies and for the administration of trusts.

The island of Jersey has unique status; along with the other Channel Islands it is a British Crown Dependency but it does not form part of the United Kingdom.  In practical terms this means that its internal affairs including taxation and fiscal control are governed by a locally appointed Assembly, and its external affairs are controlled by the Home Office in London.

An offshore company in Jersey is actually referred to as a Jersey Exempt Company and such a company is not subject to any local taxes whatsoever as long as it fulfils the strict guidelines and criteria as defined in the ‘Income Tax Jersey, Guide To The Exempt Company (1996 1-9)’ document.  As Jersey has such a stable political and economic environment and attractive taxation structure it is highly regarded as an offshore jurisdiction.

Jersey offshore company formation takes the form of establishing a Jersey Exempt Company and such a company must fulfil all of the following criteria: -

The company must be incorporated in Jersey and have a registered office in Jersey yet be owned by non-residents of the island.  Furthermore a Jersey offshore company must do no business locally with either companies or individual citizens who are resident on Jersey.

Annually a Jersey Exempt Company must pay six hundred pounds to the Government for corporate fees and also present them with a report of the company’s shareholders; in the event that either action is late the offshore company will face heavy fines.

An Exempt Company has to have at least two shareholders but it is possible to use nominee shareholders because their details have to appear in public records, this is just one way of reducing the profile of the company’s key personnel – another way is to use third party directors.  Third party directors are particularly useful when it comes to Jersey offshore company formation because corporate directors are not allowed in Jersey and yet there has to be a minimum of one director whose details have to appear on a public file.

Anyone who requires an offshore company structure whether that be in Jersey or elsewhere should seek the advice of a specialist offshore service provider to ensure that their proposed actions are both legal and beneficial.



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