"Property is acquired in days. The structure that holds it lives for thirty years."
ASJ Group designs cross-border real-estate holding structures that are SDLT- and inheritance-efficient, lender-acceptable, and defensible on refinance or resale.
How we work with hnw real estate investors.
Property is acquired in weeks; the structure that holds it lives for thirty years. ASJ Group designs cross-border real-estate holding structures that are SDLT- and inheritance-efficient, lender-acceptable, and defensible on refinance or resale.
The design is written up as a comparative shortlist: personal versus corporate ownership, SPV jurisdiction, trust or foundation overlay, lender acceptability, transfer-tax exposure, and register visibility. Every trade-off is quantified before the client commits.
We coordinate with lenders, conveyancers and tax counsel in each jurisdiction — but the structuring engagement itself is fixed-fee, director-led and independent of any product provider.
What we've seen go wrong.
- Buying UK residential property personally and losing 40% to inheritance tax on death
- Buying UK residential property through a company and triggering the 15% SDLT surcharge without checking ATED liability
- Financing offshore-owned property with a lender that does not accept the SPV jurisdiction — and having to restructure mid-transaction
- Ignoring the difference between SDLT residency surcharge, the non-resident CGT regime and the offshore-envelope-tax regime
The shape of the work.
Every engagement is fixed-fee, director-led, and quoted in writing before any work begins.
- 01Pre-acquisition mapping: ownership, residency, lender profile, succession (1–2 weeks)
- 02Structure design memorandum with SDLT, CGT and inheritance analysis
- 03SPV formation, banking, lender coordination and completion
- 04Annual compliance and refinance-readiness calendar
Questions we hear from hnw real estate investors.
- Should UK residential property be held through a company?
- Rarely for personal-use property (ATED and 15% SDLT surcharge apply). Usually yes for buy-to-let portfolios above 4 properties. Always model both routes before committing.
- Can offshore-owned property still get UK financing?
- Yes, from specialist lenders. ASJ Group pre-qualifies lender acceptance for the specific SPV jurisdiction and ownership before the offer is placed.
- How does the 2025 non-dom reform affect UK property?
- The end of the remittance basis and the shift to a residence-based regime materially affects the inheritance-tax treatment of foreign-owned UK property. We restructure or preserve depending on the client's expected residency trajectory.
Explore further for hnw real estate investors
Real Estate Structuring
Hold prime real estate through compliant SPVs in tax-efficient jurisdictions.
Trusts & Foundations
Discretionary, fixed-interest, purpose and reserved-power trusts. Panama and Nevis foundations.
Corporate Structuring
Multi-jurisdictional holding groups, IP-routing structures, JV vehicles and re-domiciliations.
Every engagement begins with a twenty-minute director-led call. Fixed fees, in writing, before any work begins.