Help Center & FAQs

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Yes, most programmes let you include your spouse, children, and sometimes even parents. You should note that including family members on your application will often increase the cost of your investor visa.

Timelines vary depending on the programme. Some investor visas are processed in 1 to 3 months, while others may take up to two years. The timeline can change based on your investment choice and any delays in processing.

The amount you need to invest depends on the country and programme. Investments usually start at €100,000 ($118,000) and can go up to €680,000 ($800,000). For details about costs, our experts are here to help.

An investment visa allows you to obtain residency or citizenship by making a qualifying investment in a country. The investment options depend on the country and the programme, but often include real estate investments, funds, and government bonds.

Residency by investment lets you live in a country. Citizenship by investment grants you a passport and full rights as a citizen. Some residency programmes may also lead to citizenship if you meet certain requirements over time.

Yes. In the UK, HMRC allows sole traders and limited company directors to claim employee benefit costs as tax-deductible expenses. Be aware that you can only claim expenses for group insurance policies, not for personal (individual) insurance plans.

For more information, please visit theUK government website.

Yes, even small companies benefit from offering employee perks. These benefits help you attract skilled people, keep your team motivated, and improve staff retention, even in competitive industries. Medical insurance can also support your team's health and productivity.

Most group medical insurance policies do not cover pre-existing conditions. However, companies can choose a corporate health policy with Medical History Disregarded (MHD) underwriting, which does cover pre-existing conditions. These policies usually cost more because they carry more risk for the insurer.

Costs vary based on your team size, the coverage you choose, and any extras you add. We can help you compare options and find the best benefits plan for your business.

The cost varies based on several factors, such as the:

• Number of employees

• Average age of your employees

• Type of cover

• Level of cover

• Claim history (this could affect renewal costs)

Our advisers are here to give you a quote tailored to your needs.

With an easy access savings account, you can take out your money whenever you need it and still earn interest. Fixed rate accounts require you to leave your money in for a set time, usually between 6 months and 5 years.

In some cases, you can change or close a trust, depending on the terms of the trust. Book a meeting with one of our experts, and we’ll walk you through your options and give advice that fits your needs.

Yes, this is called pension consolidation. It can make managing your pensions easier and may lower costs. However, it is not always the best choice. Our advisers can help you decide if it is right for you.

Yes, expats can typically top up their State Pension. There may be limits on how many years you can cover. Our advisers can review your international work history and help you find out if you’re eligible for top-ups.

Yes. Many expats transfer their UK pension to a SIPP or QROPS, depending on their situation. While there are benefits, it’s important to get advice from a qualified professional first.

Yes, you can borrow or withdraw money from your cash value, often without paying taxes, depending on your policy. Keep in mind that any outstanding loans will be taken out of the death benefit.

Most policies let you make changes, like adding people to your plan. We also offer special family medical insurance plans that cover your partner and children, allowing you to add or remove dependents as needed.

Yes, many insurers allow you to adjust your policy or add additional cover. It’s often recommended to review your life insurance cover as your circumstances change. For example, after getting married or having children.

Yes, IUL policies are built for flexibility. You can raise your death benefit if you want more coverage, or lower it to reduce your monthly payments. Some limits may apply, so speak with our experts to find out more.

Yes, you can have both. Health insurance covers your medical treatment, while critical illness insurance gives you a cash payout if you cannot work or need extra time to recover. 

Education savings accounts help you set aside money for your child’s education. Your savings can grow over time, and you may get tax benefits to make your contributions go further. 

An education plan is a structured savings and investment strategy designed to save for your child’s future education costs. It helps parents grow their money over time to cover expenses such as school fees, university tuition, and living costs. 

Saving usually means putting money in an account that pays interest, while investing lets your money grow by using things like stocks or bonds. A good education plan often uses both methods for steady growth and security. 

It’s never too late to start. By starting early, you can spread your savings and investment contributions across manageable timeframes. Your money will also benefit more from compound interest the longer it is invested or held in a savings account. 

How much you need will depend on the market, location, and type of property. We’ll work with you to identify opportunities that align with your budget and investment objectives.

All investments carry some risk; property is no exception. However, property has historically proven to be a stable asset that has grown in the long term. Like with other types of investments, expert advice can ensure you find an option that aligns with your goals and ensures risk is managed effectively.

There are several ways to invest in property. The most common involves purchasing commercial or residential real estate with the goal of generating returns through rental income, capital growth, or both.

Residential investments focus on housing for people to live in, such as buy-to-let properties. Commercial property investments typically focus on leasing the building to a company and often include office, retail, or industrial spaces.

The best place to invest in UK property will depend on your goals and the type of property (commercial or residential) you invest in. Some areas offer higher rental yields, while others may provide stronger long-term capital growth. Speak to one of our property experts to better understand which option is best suited to your needs and goals.

Yes. Trusts and giving gifts during your lifetime are both useful ways to reduce Inheritance Tax, but there arerules to follow. Our specialists can guide you through your options and make sure you stay within the rules.

Yes, you can transfer an overseas pension to the UK, but it’s not always the best choice. It depends on your pension scheme, your goals, and the tax rules. Our experts can help you review your options.

Our tax experts work closely with clients to identify tax reliefs, exemptions, and allowances, enabling them to structure their finances effectively. This can lower the total tax you pay. Our tax planning always follows the rules set by authorities like HMRC.

If you live outside the UK, you only pay Inheritance Tax on your UK assets. Tax rules vary by country, and sometimes you may owe tax in both the UK and your country of residence. In some cases, your executor can reclaim tax through adouble-tax treaty.

Usually, assets placed in a trust are no longer counted as part of your estate, so they are not included in your Inheritance Tax bill. However, different trusts have different rules for tax purposes.

The cost depends on several factors, including the type of service you choose. Wealth managers may charge a flat fee, a commission, or both. At Holborn, we make sure our fee structure is clear so you know the costs from the start.

Choosing the right wealth management company to partner with is important for your financial success. Holborn provides services in Dubai and around the world. To learn more about our office locations and how to contact us, please use the link below.

Our office locations

Financial planning is about reaching specific goals, like saving for retirement. Wealth management takes a wider view, bringing together services like investment management, tax planning, and estate structuring to help grow and protect all of your finances.

Wealth management is a complete service that helps you grow, protect, and transfer your wealth. While financial planning focuses on specific goals, wealth management covers many areas of your finances. Although wealth managers often work with high-net-worth individuals, anyone with complex financial needs can benefit from these services.

At Holborn, we provide a variety of wealth management solutions to fit your needs and goals. Our services include:

• Investment advice

• Estate and succession planning

• Tax planning

• Retirement planning