Insights & Guides

Plain-English guides to inheritance tax planning for property company owners. No jargon, no sales pitch — just the information you need.

Comprehensive Guide

The Complete Guide to Inheritance Tax for Property Company Owners

Everything you need to know in one place — how IHT works, why property companies get hit hardest, the restructuring solution, trusts, the 7-year rule, and what the October 2024 Budget changed. The definitive guide.

Restructuring Guide

How to Restructure Your Property Company for Inheritance Tax

A detailed walkthrough of the restructuring process — share classes, minority discounts, trusts, the 7-year rule, and what it all means for your family. Covers the principles without the jargon.

IHT Basics

What Is Inheritance Tax? A Plain-English Guide

Everything you need to know about inheritance tax — who pays it, how much, and why your property company makes it worse.

Property Companies

Why Your Property Company Shares Are an IHT Time Bomb

You set up a company on your accountant's advice. But nobody mentioned the inheritance tax problem it created.

Tax Relief

Business Property Relief: Why Property Companies Don't Qualify

BPR can eliminate IHT entirely — but not for property investment companies. Here's why, and what you can do instead.

Share Restructuring

What Is a Minority Shareholding Discount?

HMRC accepts that a 20% stake is worth less than 20% of the whole company. Here's how that simple principle can save your family hundreds of thousands.

Company Structure

Share Classes Explained: What Are Alphabet Shares?

A, B, C shares — growth shares, deferred shares, preference shares. What they all mean and why they matter for IHT planning.

Gifting & Transfers

The 7-Year Rule: How Gifting Shares Removes Them from Your Estate

Transfer shares to your children and — if you survive 7 years — they leave your estate completely. Here's how it works in practice.

Trusts

Trusts Aren't Just for the Ultra-Wealthy

Most people think trusts are for aristocrats and hedge fund managers. In reality, they're a practical tool for any family with assets to protect.

Estate Planning

What Happens to Your Property Company When You Die?

Probate, share valuation, HMRC negotiations, and the bill your family has to pay before they inherit anything. It's not pretty.

Property Tax

Property Company vs Personal Ownership: The Tax Trade-Offs

Your accountant told you to incorporate. It saved you income tax. But the inheritance tax consequences? Nobody mentioned those.

Common Mistakes

The 5 Biggest IHT Mistakes Property Investors Make

From assuming BPR will save them to leaving everything until it's too late — these are the mistakes we see again and again.

Budget & Policy

The October 2024 Budget: What Changed for IHT?

The government capped BPR and agricultural relief at £1m. Here's what that means — and why property company owners are actually unaffected.

Valuation

How HMRC Values Shares in a Private Company

There's no stock ticker for your property company. So how does HMRC work out what your shares are worth — and can you influence it?

Restructuring

Can I Still Control My Properties After Restructuring?

The number one question we hear. Short answer: yes. Here's exactly what changes and what stays the same.

Couples Planning

IHT Planning for Couples: Using Both Nil Rate Bands

Married couples get two nil rate bands — £650,000 between them. But if your estate is mostly property company shares, that's barely a dent.

Process

What Does an IHT Restructuring Actually Look Like?

Week by week, step by step — here's exactly what happens when you restructure your property company for inheritance tax purposes.

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