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Expert Inheritance Tax (IHT) Advice UK Wide
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INHERITANCE TAX QUESTIONS

Frequently Asked Inheritance Tax Questions

Straightforward answers to the most searched questions UK families have about inheritance tax and pensions.
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Our IHT consultations are free and without obligation. If you decide to proceed with our advisers recommendations, a fee may apply.
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INHERITANCE TAX QUESTIONS

Most Searched Inheritance Tax Questions

How can I avoid inheritance tax legally in the UK?

There are several HMRC-compliant strategies to reduce or avoid IHT - including gifting, trust planning, pension drawdown, and life insurance. A personalised approach is essential.

What is inheritance tax and how does it work?

Inheritance tax is a 40% charge on the portion of your estate above the tax-free threshold (£325,000 or up to £500,000 if the residence nil-rate band applies).

How much can you inherit without paying inheritance tax?

You can inherit up to £325,000 tax-free. If a home is passed to direct descendants, the threshold can increase to £500,000.

What are the best ways to reduce inheritance tax?

Options include making lifetime gifts, using trusts, drawing down pensions earlier, and taking out life insurance written in trust.

Can I give my house to my children to avoid inheritance tax?

Possibly - but strict rules apply. You must live for 7 years after gifting, and not continue to benefit from the property.
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.
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INHERITANCE TAX QUESTIONS

Inheritance Tax and Pensions (2027 Rule)

Will my pension be taxed when I die?

From April 2027, most unused defined contribution pensions will be included in your estate for IHT - potentially taxed at 40%.

Do all pensions count towards inheritance tax?

No. Final salary (defined benefit) pensions aren’t included in the same way. The 2027 change applies to defined contribution pensions.

How much can you inherit without paying inheritance tax?

You can inherit up to £325,000 tax-free. If a home is passed to direct descendants, the threshold can increase to £500,000.

Are pensions passed to my spouse taxed?

No - pensions left to a spouse remain exempt under current inheritance tax rules.

What should I do before the 2027 pension tax rule change?

Review your estate with an adviser, consider pension drawdown, gifting, and other strategies to reduce exposure.
Don't leave your loved ones with a surprise tax bill. Book your no-obligation estate review now and get expert guidance on inheritance tax planning, pension structuring, and estate protection.
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INHERITANCE TAX QUESTIONS

Booking Your Estate Review

What’s included in the inheritance tax review?

A no-obligation 30-60 minute consultation with a regulated adviser who will assess your estate, calculate your IHT liability, and give tailored advice.

Is inheritance tax planning really free?

Your review is free and without pressure. If you act on advice (e.g. draw down pensions, take out life insurance etc), fees may apply. As example pension advice is usually paid from your pension, not out of your pocket. We'll always be upfront about any associated costs.

Will I receive advice or just general guidance?

You’ll receive tailored, regulated advice from an Financial Conduct Reigstered Authorised Financial Adviser.

Can I bring a family member to the meeting?

Yes – many clients include a spouse or adult child in the consultations.

How long does the full process take?

Consultations take 30–60 minutes. Full planning may take 6 to 8+ weeks depending on how quickly providers release policy information.
INHERITANCE TAX QUESTIONS

Still have questions? Book a free estate review with one of our experts.

Our IHT consultations are free and without obligation. If you decide to proceed with our advisers recommendations, a fee may apply but we’ll always be transparent and discuss any costs with you upfront.
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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)?

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Our review includes a full assessment of your estate and pensions, along with expert guidance on how to mitigate your inheritance tax liability.
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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

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