Offshore Company
SpecialistBorrowing through a non-UK registered company
Advantages
- + Privacy for UBOs in some jurisdictions
- + Tax planning opportunities
- + Asset protection
- + May be required by foreign investors
Considerations
- - Limited lender options
- - Higher rates typically charged
- - Enhanced due diligence required
- - UK beneficial owner disclosure now required
Documentation Required
Certificate of Incorporation (apostilled)
Certificate of Good Standing
Register of Directors and UBOs
Proof of ID for all UBOs down to 25%
Legal opinion on capacity to borrow
Lenders Accepting Offshore Company
| Lender | Rate From | Max LTV | Notes |
|---|---|---|---|
| Together | 0.65% /mo | 65% | Most flexible on offshore, many jurisdictions |
| Shawbrook | 0.60% /mo | 65% | Select offshore jurisdictions only |
| Glenhawk | 0.65% /mo | 65% | Case by case, need full UBO disclosure |
| MT Finance | 0.70% /mo | 60% | Limited offshore appetite |
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