Residential Real Estate Investment Services

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1 Residential Real Estate Investment Services standardchartered.com/je

2 Standard Chartered Bank The ultimate goal of Standard Chartered Bank is to bring our clients best-in-class, bestfit solutions designed to deliver optimum results that reflect individual situations. By understanding these individual situations, we can help clients decide on a customised portfolio with the available banking services. Real estate, which is commonly a core component in a diverse investment portfolio, is available through Standard Chartered (Jersey) Limited a part of the Standard Chartered Group. Prestigious property in London continues to be an attractive investment for our clients. There are three phases of the purchasing process that we support: sourcing, financing and structuring which ensures that we are able to comprehensively assist our clients through the entire process of investing in property. Our real estate service leverages the capabilities of Standard Chartered Bank as well as those from third party consultancies to ensure that we are ideally placed to assist our clients with their real estate purchases.

3 Sourcing Financing We work with some of the leading property, search and acquisition consultancies across England with a focus on properties in central London. These consultancies are able to offer exclusive negotiations, managed sales and property management services to our clients. Working with these consultancies, clients have the opportunity to leverage off an array of benefits: Exceptional client service tailored to personal requirements A complete understanding of our clients requirements is undertaken so that a property that meets exact specifications can be found. A team of expert negotiators will help to secure the most attractive price All property deals are undertaken with a fundamental appreciation of value. Access to exclusive opportunities A large proportion of properties are sourced for clients independently of the open market. Independence The consultancies are independent and are not owned or part of another estate agent. Advice, which is provided by highly experienced industry specialists, is impartial. For clients involved in purchasing property or real estate investing, we are able to provide assistance with competitive mortgage terms and rates. We work with individuals to assess borrowing requirements and provide the finance agreed in principle before finalising any property acquisition. We are able to offer financing on properties that will be used for the following purposes: Buy to let Investment property Holiday homes UK residential mortgage contracts Equity release We are also able to offer financing for those clients in the process of sourcing and planning their next investment with: Loans available for up to 75 per cent of the value of property (subject to local regulatory requirements) Competitive fees No redemption charges on variable rate mortgages Flexible mortgage terms Multi-currency terms available Refinancing

4 Structuring When making a real estate investment, it is often important that clients work with a financial partner who has the expertise to create and manage a trust or structure that is appropriate for their individual needs. For clients who reside outside of the UK it can be particularly important, as the use of a trust or company structure to hold real estate investments can ensure the smooth succession of such assets to future generations. With fiduciary specialists available to provide such a perspective, Standard Chartered Jersey offers a highly personal approach to wealth management with a focus on seamless service. Our fiduciary specialists can work with a client s advisor if requested. A variety of structures are available for consideration. Services can be used to provide the flexibility clients require in estate planning, such as improved privacy as well as to safeguard assets. Based on a consultative approach, a Relationship Manager and Fiduciary Specialist, together with the trust company, guides clients through the process of tailoring a structure best suited to meet their fiduciary and investment goals. Standard Chartered Jersey and the Standard Chartered trust companies are dependable and knowledgeable partners that provide estate planning services designed to enhance a client s planning experience. With two trust company locations, Cayman Islands and Guernsey, clients can choose where they would like their structure to be administered. Both jurisdictions are governed by common law and have robust trust legislation. Both are also wholly owned subsidiaries of Standard Chartered Bank and have been offering fiduciary services to private banking clients for over 20 years. With the assistance of our fiduciary specialists, Standard Chartered Bank is here to help our clients preserve, grow and distribute their wealth according to individual, business, financial and personal needs. Important Information Standard Chartered (Jersey) Limited ( SCJ ) is regulated by the Jersey Financial Services Commission. SCJ is incorporated in Jersey. Copies of the latest audited accounts are available from the registered office and principal place of business: PO Box 80, 15 Castle Street, St Helier, Jersey, JE4 8PT. SCJ is a wholly owned subsidiary of Standard Chartered Bank ( SCB ). SCB is incorporated in England and Wales with limited liability by Royal Charter 1853 Reference Number ZC 18. The Principal Office of the Company is situated in England at 1 Aldermanbury Square, London EC2V 7SB. SCB is authorised and regulated by the Financial Services Authority ( FSA ) and is entered into the FSA register under number SCJ is also an authorised financial services provider under license number 9790 issued by the Financial Services Board of the Republic of South Africa (for Investment Business only). Please note Jersey is not part of the United Kingdom and when you conduct business with SCJ and other Standard Chartered Group offices outside the United Kingdom you will not be eligible for (a) all or most of the protections provided under FSMA or (b) compensation under the United Kingdom s Financial Services Compensation Scheme. The marketing and sale of the services detailed in this brochure may not be permitted in some countries under local laws. This brochure does not constitute an offer, solicitation or invitation to transact business in any country where the marketing or sale of these services would not be permitted under local laws. If you are resident or domiciled in countries where fiscal or exchange control regulations may impinge on foreign or offshore investments, you should seek advice before proceeding. With any investment the value may fall as well as rise and in some circumstances you may not get back the full amount invested. You are not certain to make a profit, and may lose money or make a loss. Changes in rates of exchange may cause the value of an investment to go up or down. Past performance should not be seen as an indication of future performance. The levels, rates and bases of, and reliefs from, taxation are those currently available and may change in the future. In relation to services detailed in this brochure additional Terms and Conditions may apply. You should obtain details of these Terms and Conditions before proceeding. These Terms and Conditions and our communications with you will be in English.

5 Jersey Standard Chartered (Jersey) Limited PO Box 80, 15 Castle Street, St Helier, Jersey, JE4 8PT, Channel Islands Tel: +44 (0) Web: standardchartered.com/je SCIB-A2-611-B-E