close
Expert Inheritance Tax (IHT) Advice UK Wide
Don't leave it too late - start reducing your inheritance tax (IHT) liability today.
GET STARTED

2027 Inheritance Tax Changes: Don’t Get Caught Out by UK IHT Rules

From April 2027 inheritance tax changes to unused pensions will now be counted as part of your estate. Here’s who should be taking action now.
CHECK YOUR IHT LIABILITYBOOK YOUR ESTATE REVIEW

Contact Our Team

Whether you’re ready to book a review or just have a quick question, we’re always happy to hear from you.

Book Your Free Estate Review

Use our secure form to choose your preferred date and time.
Our IHT consultations are free and without obligation. If you decide to proceed with our advisers recommendations, a fee may apply.
GET A FREE ESTATE REVIEW

2027 inheritance tax changes

What Are the 2027 Inheritance Tax Changes?

From 6 April 2027, most unused defined contribution pensions (like SIPPs and workplace pensions) will be subject to inheritance tax (IHT) when you die. This means:
If your estate exceeds the IHT threshold, your pension could now be taxed at 40%
Families expecting to inherit pensions may face unexpected tax bills
This rule change affects thousands of people - not just the ultra-wealthy. The sooner you review your estate, the more options you have to plan ahead.

inheritance tax advice

How the 2027 IHT Rules Could Affect Pensions

You should seek advice if:
You have one or more defined contribution pensions (SIPPs, personal pensions, etc).
You plan to leave your pension to children, grandchildren, or other non-exempt beneficiaries
Your total estate (including property, savings, investments and pensions) is likely to exceed £325,000 (or £500,000 including the residence nil-rate band)
You’ve kept your pension untouched to pass on tax-efficiently based on previous rules
You’re aged 55 or over and haven’t reviewed your IHT position recently
Even if you’ve had estate planning advice before, the new 2027 rule could change everything.
Not Sure If You’re at Risk of Inheritance Tax? Use our free calculator to check your potential inheritance tax liability in under 2 minutes.
CALCULATE

2027 inheritance tax changes

Who Is Exempt or Less Affected?

You may be less affected if:
You leave your pension to a spouse, civil partner or charity (as these are IHT-exempt)
You have a defined benefit (final salary) pension, which may not be included
Your estate (including pensions) is well below the IHT threshold
However, even in these cases, your beneficiaries may still face tax in future – especially if your spouse inherits and then passes it on later.
Check out the full summary of 2027 inheritance tax changes to pensions below.
2027 inheritance tax changes - GOV.uk

2027 inheritance tax on pensions

Why IHT Planning Now Is Critical

If you wait until 2027 to act, your options may be limited. Planning now means:
2027 inheritance tax changes

More time to adjust your pension drawdown strategy

Opportunity to gift or restructure assets over time

Time to consider life cover, trusts or other IHT-efficient strategies

GET A PENSION REVIEW TODAY

2027 inheritance tax changes

Unsure If You’re Affected? Let’s Find Out Together

We offer a no-obligation IHT pension review to help you:
Understand how the 2027 rule affects your situation
Review your estate, pensions and future plans
Explore your options to reduce or avoid inheritance tax
Take control now. Don’t let the taxman take 40% of what you’ve built.
Don't leave your loved ones with a surprise tax bill. Book your Free IHT Pension Review now and get expert guidance on inheritance tax planning, pension structuring, and estate protection.
BOOK NOW

2027 inheritance tax advice

Book Your Free Pension Review

Get expert advice on how the 2027 rule change could affect your estate.
We offer complimentary consultations with a local financial adviser, including a free review of your pensions 
and estate, along with our expert recommendations. Fees only apply if you choose to proceed with our advisers recommendations, we will make you aware of any associated costs from the start.
Appointment Form

Privacy Policy

Inheritance Tax Planning, Estate Planning and Trusts are not regulated by the Financial Conduct Authority.

Tax treatment varies according to individual circumstances and is subject to change.

Worried About Inheritance Tax (IHT)?

Book Your IHT Estate Review Today. 
Our review includes a full assessment of your estate and pensions, along with expert guidance on how to mitigate your inheritance tax liability.
BOOK NOW
Inheritance Tax on Pensions is a trading style of Beals Mortgage and Financial Services Ltd an appointed representative of Quilter Financial Services Limited which are authorised and regulated by the Financial Conduct Authority.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Approver Quilter Financial Services Limited August 2025

Registered office address: Unit 1 Fulcrum 2 Solent Way, Whiteley, Fareham, England, PO15 7FN. Registered in England and Wales under reference 08286166

chevron-down