In June 2025, the Government of St. Kitts & Nevis designated ClientReferrals as an Approved Public Benefactor and launched the CR-NHC Public Benefit Option (PBO).
“The CIU is committed to working with partners who demonstrate proven results and a shared dedication to the prosperity and quality of life of all citizens of St. Kitts and Nevis.”
CIU Executive Chairman H.E. Calvin St. Juste.
ClientReferrals and the Citizenship by Investment Unit (CIU) reached terms on this PBO relatively easily because we share the same objective: design RCBI offerings where investors obtain their status and their economic contributions by making a direct and meaningful impact on the lives of everyday people in the host country.
Enter the National Housing Corporation (NHC). Parliament created this statutory organization through an act in 1997, giving the NHC a simple objective: to improve and increase access to home ownership for the citizens of St. Kitts & Nevis through the development of affordable housing and the creation of innovative financing solutions.
The CR-NHC PBO aims to build 100 to 150 affordable homes in the next 18 months. Four months since the partnership started, construction has begun on over 20 homes.
The beauty of the CR-NHC PBO for its CIP applicants is that it involves none of the liquidity risks usually present in real estate projects. The NHC needs no minimum amount raised before building can start, which explains why construction has already begun.
Investing in the People
“Our NHC will be overseeing [the project], we will have local contractors…and they will be hiring local tradesmen from electricians to plumbers to the persons who run the blocks…ClientReferrals said clearly as part of our negotiations that these homes must be delivered by the people of St. Kitts & Nevis and constructed by the people of St. Kitts & Nevis.”
CIU Executive Chairman H.E. Calvin St. Juste.
For 40 years, St. Kitts & Nevis has offered citizenship to investors in exchange for making a substantial contribution to the economy. In many cases, that investment came in the form of an investment into the country’s famous tourism industry.
Now, with the introduction of the CR-NHC PBO, the CIU pushes the narrative of what it means to make a substantial contribution even further, pioneering a new model of public benefit.
Thanks to the CR-NHC PBO and the contributions of CIP applicants, we forecast that 50 families will receive their homes by May 2026.
“This funding strengthens our ability to advance our mandate of delivering affordable, sustainable housing solutions to the people of St. Kitts and Nevis,” explains Shawn White, Chairman of the National Housing Corporation. “It is an investment not only in infrastructure, but in families, communities, and the future of our nation.”
The results aren’t just limited to the bricks and mortar of the homes being built. The CR-NHC PBO’s deeper impact also lies in the hands that build those homes.
This initiative has boosted employment, engaging more than 40 local contractors, masons, carpenters, electricians, and other tradespeople, with 75 more scheduled to start work by the start of 2026.
The Real Impact: A Family’s Story
For families like Kadyjah Harris’s, the CR-NHC PBO represents more than policy or infrastructure. It represents opportunity.
“Owning a home has always felt out of reach. But thanks to […] the Public Benefit Option under the Citizenship by Investment Unit, and the National Housing Corporation, I will finally have a place to call my own. A space where my kids can grow and build lasting memories. For me, this isn’t just a house, it’s the beginning of generational stability for my family.”
Kadyjah Harris
Harris is one of 50 families set to receive keys to their new homes by May 2026. Her story illustrates what White describes as an investment “not only in infrastructure, but in families, communities, and the future of our nation.”
The Citizenship by Investment Unit: A partner of the PBO
ClientReferrals, the NHC, and the CIU conceived the CR-NHC PBO as a partnership, with each having its own distinct responsibilities.
ClientReferrals: Responsible for raising the funds and collaborating with Authorized Agents in St. Kitts & Nevis and International Marketing Agents overseas to market the CR-NHC PBO effectively and according to the standards the CIU establishes.
The National Housing Corporation (NHC): Responsible for deploying the funds. After the CIU approves an application and a CIP applicant pays the required contribution to the PBO, the CIU disburses funds to the NHC.
Using lands the Government acquired, the NHC hires the local architects, engineers, contractors, and tradespeople, and delivers on the Government’s promise to build 100+ homes within 18 months.
The Citizenship by Investment Unit (CIU): Not just responsible for processing applications, the CIU plays a vital and crucial role in this partnership as it relates to project oversight.
Charged with overseeing and monitoring the NHC’s work, the CIU disburses funds to the NHC and ensures the NHC completes work according to the agreement and maintains compliance with the PBO.
Seize the Moment: Why now is the best time to apply
Rarely do things get easier or cheaper as time goes on, and the investment migration market is no exception to that rule. Costs increase, processing times get longer, and rules change. For a number of reasons, now is the best time to have your clients subscribe to the CR-NHC PBO.
- In August 2025, the CIU pre-announced a Limited Time Offer for the Public Benefit Option, effectively harmonizing the application cost with the Sustainable Island State Contribution (SISC). Until December 31, 2025, for a family of up to four persons, the total cost is USD250,000, with the government waiving all processing fees. This means a potential cost savings of up to USD45,000 for certain families.
- In September, the CIU followed up on the LTO with a pre-enactment notice which expanded the definition of eligible dependent children, i) raising the age limit to 29, and ii) removing the requirement that they be enrolled in post-secondary education.
- The CIU remains committed to efficient processing. The CIU’s current objective is to process applications in 120 to 180 days, and at the moment, they are well within this objective.
- ClientReferrals and the CIU designed the CR-NHC PBO partly to eliminate risks for CIP investors. This development is scalable and already underway. Investors can rest easy that their funds are already hard at work. Because applicants pay funds directly to the CIU, the PBO eliminates any risks associated with private developments.
- The CR-NHC PBO is delivering results and delivering real impact. Not just government-approved, but government-run. A true public-private partnership, the CR-NHC PBO is already delivering tangible results to the people of St. Kitts and Nevis.
Creating a Better Future
Current projections show the NHC is on track to deliver 100+ homes by the end of 2026.
“Sales of our units of the CR-NHC PBO have been going well,” explains Peters. “For over 25 years, our partners have come to recognize that we bring reliable products that they can confidently introduce to their clients, and this one is no different.
Our efforts have led to a resurgence of St. Kitts & Nevis as the preferred global CIP, and we are very proud of what our team has been able to achieve in a short period of time.”
ClientReferrals is the leading service provider in the Antigua & Barbuda and St. Kitts & Nevis CBI programs. Our business model is exclusively B2B. Rather than marketing to or soliciting clients directly, we focus our energy on working with our partners – RCBI professionals – so that they have the tools and information they need to serve their HNWI clientele and grow the CIP side of their business.
