I am the Managing Director of Wincham Investments Limited, a UK registered company set up in 1994 to advise people buying property in foreign markets. I am a Member of the Institute of Credit Management (M.I.C.M) and have had over 30 years experience in establishing, developing and running many successful businesses. My companies have been listed many times in the Fast Track 100 and INDI 100 Top 100 Private Companies in the UK.

I am the designer of the Wincham Property Protection Scheme (W. P.P.S.) and am responsible for delivering a high level, quality service to clients wishing to shelter their foreign property assets from onerous Inheritance & Tax implications.

Wincham Consultants work with IFA"s, Accountants, Lawyers, Agents and other Professionals to help promote our Spanish Inheritance Tax Planning services to their Clients. Anybody who owns a property in Spain or may inherit one in the future can apply for a FREE of charge illustration that demonstrates the Inheritance Tax liability that may have to be paid in future. Our IHT proposal explains how we can prevent Spanish Inheritance Tax having to be paid. Unfortunately most Buyers, Owners and Beneficiaries are advised by Spanish Lawyers and Accountants that having a Spanish Will in place will deal with the problem in Spain, this is unfortunately incorrect as a Will in Spain only helps to deal with the probate in Spain when there is a death of an owner and does not remove the Taxes to be paid. The link here allows Clients to apply for a FREE illustration so you can assess and review your Tax situation in Spain. Once you have applied for the illustration you will be given what we believe is the only true and legal way to combat and safeguard against IHT and Taxes in Spain.

Anybody who would like to become an Agent or Introducer to our service can be supplied access to our referral website and when you have registered and been approved you will be able to track all leads that you refer to our Client website of www.winchamiht.com , you may also utilise the sales and marketing tools which are available to help promote and research this opportunity. There are web-links that can be used for your websites and emails, and tracking for immediate registration is in place.

We can process on line annual Tax Returns in Spain but should the property be owned by a UK Limited Company then any personal Tax returns may not be required in Spain.

In Spain all property purchasers have to pay 7% Transfer Tax on a resale purchase and Wincham can supply a completely legal, tried and tested service that removes this and also makes the purchase a lot more cost effective to the seller by saving them the 3% Withholding Tax and reducing their Capital Gains Tax as well.

Jaime Vives is a Spanish fiscal adviser and “gestor administrativo”. He has a diploma in economics from the Complutense University of Madrid from 1994, and he passed his exam “gestor administrativo” in 1997. He is affiliated at the Alicante Economist College with the number 1.749 and at the Alicante Gestores Administrativos College with the number 245.

Since the foundation in 1960 of Oficinas Vives in the Dos de Mayo Street, the premises have moved to Paternita Street, Carrero Blanco Avenue and Portalet Street in Calpe. On February 16th, 1998, new offices were opened at Masnou Avenue and VIVES CONSULTORES was born. This was a new project, the fruit of the company’s efforts to improve its services. With forty years of experience in administrative management, during which an advisory and legal department also operated and much was learnt about clients and how to offer them better solutions. It is this experience that is available to all Vives Consultores clients. Since 1994 Jaime Vives has worked as part of the second generation of “Vives Consultores and in 2001 Jaime Vives was appointed as partner and director of “Vives Consultores”.

“Vives Consultores” is a consultant agency with extensive experience in the areas of fiscal, employment, accounting and insurance and works on the Costa Blanca, in Alicante, for companies, individuals, residents and non-residents. In addition, Vives Consultores has a legal department, from which our lawyers can offer legal advice to both individuals and corporate clients alike

Gareth Pobjoy is a Notary Public of many years standing. He is able to meet all your notarial requirements including legalisation of documents (within 24 hours) with an apostille at the Foreign & Commonwealth Office, which is next door to his own offices. He has many years experience dealing with documents to be used in Spain for private individuals and companies. He will explain the procedures in simple terms and guide you through the process providing a first class, quick and reliable service. He will do all that is necessary to save you time, trouble and worry.

I am a fully licensed practicing member of the Institute of Chartered Accountants in England and Wales. Since obtaining my honours degree in Accounting and Finance at Manchester Business School I had several years experience with one of the largest firms of Chartered Accountants in the World. More recently I run my own practice of Chartered Accountants and Business Advisers and spend much of my time working and advising on tax planning solutions with Wincham.

We have had many clients who have benefited from the unique tax planning solutions offered by Wincham most of them saving tens of thousands of pounds. Together with the other specialists at Wincham we can ensure we meet all of your requirements to mitigate inheritance and other onerous tax liabilities in the UK and Spain.

I am the former Senior Partner of Chafes LLP.

I am also an Assistant Deputy Coroner and a Past President of Macclesfield Law Society and of the Association of North West Law Societies.

I have been in Private Practice as a Solicitor for several years and during my career have had wide experience in many different areas of the law, including wills and probate and advising Private Clients in that sector of the law.

I bring with me a wealth of knowledge and experience to compliment the growing team of experts in Wincham Consultants Limited.

I have worked in the Financial Services sector for over 30 years, having been involved in Life Assurance, Pensions, Commercial & Personal Lines Insurance for 20 years plus. Laterly I have been a Mortgage Adviser and am fully CeMAP qualified in this discipline, also I have worked in the Czech Republic advising Ex-Pat clients on Off-shore Investments.

I own a property on the Costa Blanca and upon discovering the potential predicament that I had created for my wife and family, in respect of Spanish Inheritance Tax, I consider myself extremely fortunate to have been able to rely upon the Wincham System to remove this terrible worry. I am astounded by the poor quality of advice and guideance that was given to me by my previous Spanish Abogado, which seemed only to lock my wife and children into Spanish Probate and Spanish Inheritance Tax.

Nearly every story that I hear from clients, seems to mirror my own almost word for word. We came out of Alicante Airport at 11:30 on a Saturday morning some 6 years ago, were taken for lunch, saw 5 or 6 properties and by 7:30 that evening had been introduced to the vendors lawyer, who was now acting for us also, had paid a £5,000 deposit and had agreed to part with the product of our life’s work. I cannot actually believe that I acted in such a way, a thing I would never have done in the U.K.

Thank goodness I have been able to rectify this calamity with Wincham Consultants.

I live and work in Tenerife and have firsthand experienced of the worry of what will happen to you or your loved ones on your own death or that of a spouse.

When I moved to Tenerife, good, reliable advice was not offered by the ‘experts’ and I didn’t ask all the right questions – a common mistake, and I made some assumptions and they were wrong. If I had known then what I know now I would be considerably better off!

As a former Chartered Accountant with Ernst & Young I had been quite conversant with UK tax law and Learning about the implications of the laws surrounding Spanish Inheritance Tax was an uncomfortable revelation to me. Finding Wincham Consultants and transferring both the home that my husband and I live in and the villa that I rent out into a UK Limited Liability Company has given me huge peace of mind. I now have an effective ISD shield for my beneficiaries and a tax efficient way of structuring my affairs.

You can have this too and more information will cost you nothing. Look at our website, take the free illustration and talk to any of the consultants or directors on the team. Equip yourself with the knowledge you need to make the decision that is right for you and your circumstances.

I was born in 1950 in Hopeman Scotland and left school at the age of 16 desperate to travel the world. I did this on liners in the Merchant Navy for 15 years and became Chief Steward/Purser and loved every minute of it.

I then met a colleague who had opened Scotland's first real estate agent and opened around 30 branches of the company "Stuart Wyse, Ogilvie". General Accident then purchased the company and it became GA Property Services. I was appointed Regional Financial Services Manager for Scotland by GA and this involved managing around 40 Financial Advisors and 5 Area Managers who advised on mortgages and financial products. Then GAPS were merged with Norwich Union and I then became Divisional Sales Manager (for half of UK) around 150 advisors. Later I was appointed Senior Compliance Manager which involved audits, complaints department and anti money laundering officer for the company.

For the past few years I have been a regular visitor to Mallorca and had a wish to live and work on Mallorca so 3 years ago I left Scotland and settled on Mallorca which is where I am located today. Having now worked with the expat community for 3 years, one issue caused me concern time and time again and that was the lack of knowledge of property owners on Mallorca and (Menorca) of the rules in Spain for Inheritance Tax. Even more concerning was the incorrect advice that people were receiving from professionals such as Lawyers and Accountants. I, myself, was not fully aware of the difference between the UK and Spanish rules until I started to study the problem in detail so I looked around and discussed various solutions with other companies but the truth is that a number of these solutions just do not work.

Then I was informed about Wincham and was impressed with the time, effort and capital that they have put into the Wincham product and solution to this issue. The people that are involved with Wincham I found to be very professional and was also very happy with the manner that the Directors explained the product and their passion for the Wincham solution. When making very important "life" decisions, people have to be comfortable that the company is to be trusted and that the advice is correct. I believe that once property owners here in Spain understand the tax and the costs that will have to be paid to the Spanish Authorities, and when they know the savings to be made by mitigating this tax, they will understand how this tax works in Spain and wish to do something about it.

Firstly, a few words about myself... I am married with two daughters at university, and I live in Solihull in the West Midlands. I trained and qualified as a chartered accountant with Price Waterhouse (now PWC) more years ago than I care to remember. I have managed a recruitment agency for accountants, and for ten years I was financial director of one of the UK’s major charities, following which I ran my own small business in video production. I then returned to life as a professional accountant, acting as consultant finance director for clients in industry and commerce, a function which I carry out today. You might say that my career has been as well rounded as my figure!

More seriously, and relevantly, some thirty years ago when I was still single, I purchased, jointly with a friend (also an accountant), a property in Fuengirola on the Costa del Sol.

When I belatedly got around to organising UK wills for myself and my wife, my solicitor advised that I should also have a Spanish will. This seemed sensible, and being cost conscious as all good accountants are, I searched the internet for a Spanish solicitor who could provide this service at a fair price. It was this exercise in information gathering that drew my attention to the apparent nightmare of Spanish succession tax (Impuesto sobre Sucesiones y Donaciones, or ISD for short), and the multiplicity of comment about various scenarios to avoid it – Spanish wills, Spanish companies, offshore companies, UK companies etc etc with a whole plethora of comments of the “yes you can, no you can’t” variety. What was clear was that ISD was a potential nightmare. I had thought that, as a UK taxpayer, my share of a Spanish property would fall into my estate and be subject to UK inheritance tax, and its reliefs. I had no idea that that was not the case, and that my wife/children would need to sell the property (and try selling half a property!) to pay Spanish succession tax. A nightmare indeed!

Returning to my information gathering, much of the internet comment was from and about Wincham Consultants. Now I have to confess, I was a bit cynical. Accountants, and particularly chartered accountants can be a little precious about whose opinions they respect – Price Waterhouse, KPMG, Deloitte – certainly - but Wincham........who were Wincham? Also, assuming the UK company route was the way to go, how hard could it be to sell our own property to our own UK company? We are both professional accountants, we’ve been in and about Spain for thirty years ...........it should be a piece of cake to do it ourselves! I spoke with my tax adviser contacts at major accounting firms in the UK, and whilst they were aware of the issue, they had no “product” to deal with it. They would act for “high net worth” individuals on a bespoke basis, charging bespoke fees for particular arrangements as they were suited to individuals’ particular needs.......and at £500 per hour, bespoke fees are not insignificant. I concluded that, if it was considered a complex issue by the leading accountancy firms, it would be too complicated for me!

So, nothing ventured etc., I decided to attend Wincham’s training course for consultants, not especially with a view to operate as a consultant, but to learn ..........and I did learn!

Firstly, within an hour of the starting the course, it was abundantly clear to me that the UK company route was the only sensible way to go. To be blunt, apart from avoiding the nightmare of ISD, if you think UK tax is complex and bureaucratic, I can assure you, if you don’t know already, that Spanish tax is much worse, so better to get away from it altogether.

Secondly, it quickly became apparent that a DIY approach to transferring a Spanish property to a UK company was not on the cards..............for me or anyone else. Wincham have invested considerably in professional advice, both in the UK and Spain, to set up legal processes in Spain that will achieve the required result with a minimum of input by the client or their professional advisers. It is very efficient and quite unique.

Thirdly, and most importantly, by the end of the course I was 100% convinced that Wincham had developed a tax planning “product” that works, and just as importantly, that Wicham had put in place a process to provide that product that was both transparent to the client, and simple to understand.

I decided not only to use Wincham myself, but also to promote Wincham’s service as a consultant. Indeed, I am very happy to do so. Nothing will give me more professional pleasure than to help people avoid the nightmare of Spanish taxes in general, and ISD in particular. We want to enjoy our Spanish property without any worries about Spanish tax - there’s enough on our plate with UK tax..........and I want to help other people to do so as well.

Whether you already own a Spanish property, or are considering acquiring one, as a Wincham consultant, I am available to talk to you and/or your professional advisers (accountant, solicitor, FSA etc) about using Wincham to provide you with the UK company route to tax savings, and if you have any worries about owning and running a UK company, I am sure I can ease them........I do it all the time!

My background is Independent Financial Advisor and Mortgage Broker for almost twenty years, and a Professional Will Writer and Estate Planner since 1993.

Primarily, in recent years my main specialisations have been UK Inheritance Tax planning and mitigation allied with providing an all-round service encompassing Wills, Advance Directives (Living Wills), Powers of Attorney and Probate.

The reasons why I was attracted to the Wincham organisation are the unique cutting edge IHT solutions, very effective web site, the quality of the Directors, staff and professional connections, and not least the personal challenge for me to develop and expand the Wills and Probate section for the business.

My role also combines working as a Spanish Tax Consultant in the UK and this insight into the main business of Wincham enables me to provide better bespoke solutions for those of you who decide to use our Wills and Probate service.

If you would like to discuss either your own case or a client’s please ring me at any time.

Companies 4 U limited is a Companies House Formation Agent who provides UK Limited Companies ready to accept Spanish Properties.

Each Company has a Certificate of Good Standing Notarised and Apostilled, a Fiscal Power of Attorney Notarised and translated into Spanish and the Memorandums & Articles of Association Apostilled and Translated into Spanish. This enables the Company to obtain a CIF Number in Spain.

Furthermore Companies 4 U Limited provides each Company with a UK Registered Office Address and a Company Secretary. We ensure that the Companies Annual Return is filed each year and the Directors of the Company are informed when the Accounts are due to be filed so that no penalties are incurred due to late filing.

Web development has been one of the fastest growing industries in the world, since the mid-1990s. Web technology has changed the entire way of working and structure of all small and large scale organizations.

I am working as a web developer and responsible for programming the functionality of our web sites and online line systems. I have completed my Masters degree in Mobile Computers Systems which lead me to advance my IT expertise and helps me to deliver these expertise in practical IT world.