Choosing the Right Structure for Your Property Investments

Offshore vs Onshore: Choosing the Right Structure for Your Property Investments — And How Rise Capital Works with Both

When it comes to real estate investing, choosing between offshore and onshore structures can significantly impact your tax efficiency, compliance, and long-term return strategy. For high-net-worth individuals (HNWIs) and family offices — especially those investing in UK property from abroad — understanding these structures is critical.

At Rise Capital, we work with both onshore and offshore investors to provide a flexible, transparent, and tax-conscious investment model that delivers fixed returns, capital protection, and optional equity upside.

In this insight, we compare offshore and onshore investment structures, explore the pros and cons of each, and explain how Rise Capital's model is compatible with both — depending on your jurisdiction, tax residency, and personal strategy.

What’s the Difference Between Onshore and Offshore Property Investment?

✅ Onshore Structures:

Onshore typically refers to UK-based ownership and tax residency. This includes:

• Direct individual ownership in the UK

• UK Limited Companies (SPVs)

• UK trusts or pension schemes
  

Benefits:

• Simpler tax reporting and compliance

• Easier to secure financing and operate domestically

• Access to UK property without cross-border structuring
  
  

Considerations:

• Subject to UK tax on income and gains

• Exposed to inheritance tax (IHT) if held personally

• Limited privacy compared to offshore options

✅ Offshore Structures:

Offshore refers to holding assets via entities or trusts established in jurisdictions such as:

• British Virgin Islands (BVI)

• Cayman Islands

• Jersey/Guernsey/Isle of Man

• Singapore

• Luxembourg
  

Benefits:

• Potential tax deferral or efficiency (subject to residence & DTTs)

• Asset protection and confidentiality

• Succession planning flexibility

• International capital pooling
  

Considerations:

• Subject to UK tax when holding UK property directly

• More complex legal and tax compliance

• Must align with OECD anti-avoidance frameworks (BEPS, ATAD, etc.)

Key Factors When Choosing Offshore vs Onshore

How Rise Capital Accommodates Both Offshore and Onshore Investors

At Rise Capital, we’ve built a tax-flexible, compliance-friendly investment model that works for:

• UK-based HNWIs using direct or corporate ownership

• Non-domiciled investors seeking SPV access via nominee or offshore trust structures

• International investors using BVI, UAE, Channel Islands, or other compliant holding vehicles

Key Features of Our Model:

• SPV-structured developments: Each project is held in a UK-registered company, making tax and ownership transparent.

• Fixed 10% p.a. return: Paid as either interest, dividends, or capital repayment — depending on your structure.

• Capital held in third-party escrow: Protects both onshore and offshore investors equally.

• Rental fall-back model: Returns continue even if sales are delayed, preserving income and potential equity upside.

• Custom investor agreements: Structured for either UK individuals, offshore corporates, or trusts.
  
  

We work with legal and tax advisors to ensure your chosen structure is supported from both a compliance and operational standpoint.

Example Scenarios

Scenario A – UK-Based HNWI

• Invests via a UK Ltd company

• Receives 10% return via interest

• Taxed under UK corporation tax with strategic dividend extraction

• Full reporting and control via Companies House and SPV accounts
  
  

Scenario B – International Investor (Dubai-Based)

• Invests via a BVI company or UAE holding structure

• Income structured via loan agreement (debt free syndicate) or shareholding agreements (equity)

• May defer or reduce UK taxation via Double Tax Treaty (if applicable)

• Accesses the Rise Capital investor portal for full transparency

Offshore or Onshore — Rise Capital Protects Your Capital

Regardless of your investment route, we ensure:

• Funds are only drawn down on certified build stages

• Projects are delivered by third-party contractors under JCT contracts

• You retain equity upside and receive regular reporting

• Your capital is not exposed to bank debt or refinancing risk

We make it simple, secure, and scalable — no matter where you’re based.

Let’s Discuss the Right Structure for Your Goals

At Rise Capital, we take time to understand each investor’s tax profile, residency, and long-term wealth plan. We’re happy to work with your existing advisors to ensure our model fits seamlessly with your financial strategy.

Rise Capital is ready for you to invest with right now; join a growing group of investors ready to make history.