Telmar Estate Planning

Property & Family Planning

Protect your family. Preserve your legacy. Reduce your Inheritance Tax.

Effective property and family planning can help you protect your assets, provide for your loved ones and reduce your Inheritance Tax liability, both now and in the future.

Family home representing property and family inheritance planning
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Why Plan Your Property & Family Now?

Reduce IHT Liability

Careful planning can significantly reduce the value of your estate and your tax bill.

Provide for Loved Ones

Make sure your family are provided for in the way you want, when they need it most.

Protect Your Home

Plan to maintain your home for your spouse or children while protecting its value for future generations.

Retain Control

Use the right strategies to retain control and flexibility over your assets.

Plan for the Future

Prepare today for a secure financial future for your family.

How We Help with Property & Family Planning

  • Review your property and family circumstances
  • Identify tax-efficient planning opportunities
  • Recommend tailored strategies to reduce IHT
  • Implement plans with minimal disruption
  • Review regularly to adapt to life changes
Adviser working with a family on a property planning strategy

Our Property & Family Planning Services

Tailored solutions to help you protect what matters most.

Family Home Planning

Protect your home for your spouse or loved ones while planning for the future.

Gifting Property

Make tax-efficient gifts of property to reduce the value of your estate.

Trusts for Property

Use trusts to protect property assets and control how they are used.

Buy to Let & Investment Property

Strategies for managing rental and investment properties efficiently.

Multi-Generational Planning

Plan for children, grandchildren and future generations.

Wills & Estate Planning

Ensure your wishes are clearly documented and your estate is protected.

Pensions & Other Assets

Integrate your property plans with pensions and other assets.

Lifetime Planning

Make the most of allowances and reliefs during your lifetime.

Expert Guidance

Inheritance Tax on Property and the Family Home

The residence nil-rate band

The residence nil-rate band adds up to £175,000 per person when a home, or its value, passes to direct descendants including children, stepchildren and grandchildren. Unused amounts transfer to a surviving spouse. It tapers away for estates above £2 million and is lost if the home passes to siblings, nieces, nephews or certain trusts, so Will drafting must be precise. Will trusts must also be carefully drafted to qualify, because some discretionary trusts do not count as passing to direct descendants. A Will review can protect up to £350,000 of allowances for a couple.

Downsizing and buy-to-let property

If you downsize or sell your home after July 2015, the downsizing addition may preserve the residence nil-rate band, provided other assets pass to direct descendants. Buy-to-let and second homes do not qualify for the residence allowance and may also carry capital gains tax on transfer. Ownership structures, such as family investment companies, can help larger portfolios plan more efficiently. Moving into care, selling the family home or releasing equity all have inheritance tax consequences. Planning before these events gives your family the best chance of keeping valuable allowances and reducing future liabilities.

Gifting property to family

Gifting a property can reduce inheritance tax after seven years, but continuing to live in or benefit from it creates a gift with reservation of benefit. Gifts of property other than your main home may also trigger capital gains tax immediately. Telmar models the tax effects of each option so you can protect your family home and wider property wealth with confidence. Alternatives include gifting a share of a property, using trusts, equity release structures or simply leaving property in carefully drafted Wills. Each option balances tax savings against your need for security and control.

How We Work

Our Proven Approach

1

Understand Your Situation

We get to know you, your family and your goals.

2

Analyse & Identify Options

We assess your assets and identify the best planning opportunities.

3

Develop Your Plan

We create a tailored plan designed to reduce IHT and protect your family.

4

Implement Your Plan

We put the plan in place with minimal disruption to you.

5

Review & Adapt

We review regularly to ensure your plan stays effective and relevant.

Get Expert Property & Family Planning Advice

Speak to our inheritance tax specialists today and let's create a plan that protects your family and reduces your IHT.

  • 01329 550190
  • admin@telmarestateplanning.co.uk
  • 9 Pier Street, Lee-on-the-Solent, Hampshire, PO13 9LD

Frequently Asked Questions

Your Questions, Answered

By using reliefs, trusts and tax-efficient ownership structures, you can reduce the IHT charged on property.
View All FAQs

Ready to Protect Your Future?

Book a consultation today and take the first step towards peace of mind for you and your family.

Book a Consultation