Most people assume inheritance tax is a problem for the very rich. It isn’t, and it hasn’t been for years. The tax-free …
- UK Inheritance Tax Advisors London
Inheritance Tax Planning Protect What You Have Built
You worked to build your estate. Without inheritance tax planning, HMRC collects 40% of everything above £325,000 when you die. That threshold has not moved since 2009. House prices have. More estates fall into scope every year without any rule change.
IBISS & CO reviews your estate, calculates what you owe, and reduces it using every IHT relief and exemption available to you.
IBISS & CO are inheritance tax advisors and IHT specialists based in London. We provide inheritance tax advice and planning services to individuals, families and business owners across London and the South East, including clients in Tooting, Wimbledon, Romford, and across Essex and Hertfordshire, from our offices in Tooting and Barking and remotely across the UK.
- The Numbers
What UK Inheritance Tax Costs Your Estate
The standard nil rate band is £325,000 per person. Above that, HMRC charges 40%. The threshold has not moved since 2009. Your estate has.
The Nil-Rate Band
Each person gets £325,000 before IHT applies. Married couples can combine allowances, giving up to £650,000 before tax falls due. The IHT bill arrives within six months of death. It does not wait for probate. If the estate cannot raise the cash, assets get sold under time pressure.
The Residence Nil-Rate Band
If you leave your main residence to a direct descendant, an extra £175,000 may apply, bringing your total to £500,000 per person or £1 million per couple. Above a £2 million estate, this relief tapers. At £2.35 million and above, it disappears entirely.
Inheritance Tax Planning Is Not Only for the Very Wealthy
It catches far more families than most people expect. If any of the following describes you, your estate has exposure worth quantifying.
London & South East Homeowners
The average London property already exceeds the nil-rate band. Add savings and most families have exposure they have not quantified.
Business Owners
BPR removes qualifying trading businesses at 100% currently. A £1 million cap applies from April 2026. Act before then if your business exceeds that value.
Farmers & Rural Property Owners
Agricultural Property Relief faces the same April 2026 cap. Holdings worth more than £1 million face a reduced relief rate from that date.
HNW Individuals & Families
Estates above £2 million lose the RNRB. Complex ownership structures and existing trusts need regular review as rules change.
Those Who Made Large Gifts Recently
Gifts made in the past seven years may still sit inside your estate. A review confirms whether they do and what options remain.
- What We Do
Our Inheritance Tax Planning Services
Available from our London offices in Tooting and Barking, and remotely across the UK.
01
Inheritance Tax Planning Review
We map your full estate: property, investments, business interests, pensions, and gifts made in the last seven years. We calculate your current liability, identify which reliefs apply, and give you a written summary of the position and your options.
02
Gifting Programme
We structure your annual gifting using every exemption available, including the often missed normal expenditure from income rule for those with reliable surplus income. We document gifts correctly so taper relief timelines are protected.
03
Trust Planning
A trust removes assets from your taxable estate. Several types exist, each suited to a different estate and income profile. We identify which structure fits your position and work with your solicitor to establish it correctly. We also review existing trusts to confirm they still perform as intended under current rules.
04
Business and Agricultural Relief
We assess which assets qualify for BPR or APR and at what rate. We advise on the pre April 2026 window and what ownership restructuring is available before the cap takes effect.
05
Pension Planning
We review your pension exposure ahead of the April 2027 changes. We advise on drawdown strategy, beneficiary nominations, and whether a QROPS transfer makes sense for your position.
06
Life Insurance in Trust
A whole of life policy written in trust pays your IHT bill directly to your beneficiaries. The payout sits outside your estate. Nobody needs to sell the house to settle the HMRC account.
- Why IBISS & CO
London Expertise. Honest Advice
We work from two London offices in Tooting and Barking. Our senior inheritance tax specialists hold qualifications across UK taxation and estate planning. We have provided inheritance tax planning advice to clients ranging from first-time estate reviewers to executors managing six-figure IHT liabilities with no prior planning in place.
We also operate from Dubai. For families with assets or beneficiaries in both the UK and UAE, that matters.
We tell you what we find. Some estates need urgent action. Some need small adjustments. We show you the numbers and let you decide.
"We had no idea the estate was already above the threshold. IBISS found the reliefs we qualified for and set up a gifting programme we should have started years earlier."
Private client, South London. Identity withheld.
Qualified Senior Advisers
Every IHT review is handled by qualified tax advisers, not passed to junior staff after the first meeting.
Updated for 2025 and 2026 Changes
Our advice reflects the BPR cap from April 2026, the pension changes from April 2027, and the LTR reforms from April 2025.
London & Dubai Presence
Tooting and Barking for UK clients. Dubai for cross-border families. One firm, one file.
Written Summary Every Time
Every review produces a written summary of your position and a priority list of actions to take.
Compliant Structuring Only
We do not advise on artificial arrangements. Everything we recommend is built to hold up under HMRC scrutiny.
Book an Inheritance Tax Review
We map your estate, calculate your liability, and give you a written priority list of actions. London offices in Tooting and Barking. Remote appointments across the UK.
Meet Your Inheritance Tax Specialists in London
IBISS & CO is home to some of London’s most experienced inheritance tax advisors. We’ve helped hundreds of families reduce inheritance tax liabilities and protect their estates.
Our team stays ahead of complex and ever-changing tax legislation, offering you clear, actionable, and fully compliant solutions that deliver peace of mind.
Secure your family’s financial future today.
Frequently Asked Questions
What is the inheritance tax threshold in the UK?
£325,000 per person. Married couples can combine allowances for up to £650,000. Add the Residence Nil-Rate Band for estates below £2 million and the threshold reaches £500,000 per person.
Can I give my house to my children to avoid IHT?
Only if you stop living in it. If you give the property away but continue living there rent-free, HMRC treats it as still yours. The gift does not reduce your estate.
How does the seven-year gifting rule work?
Gifts above your annual exemptions stay inside your estate for seven years. If you survive seven years, they leave entirely. If you die before then, taper relief reduces the IHT charge from year three onward.
Will my pension be subject to IHT?
Not under current rules. From April 2027, unspent defined contribution pension funds enter the taxable estate. Inheritance tax planning around your pension ahead of that change is worth starting now if you hold a significant fund.
Does Business Property Relief survive after April 2026?
Yes, but with a £1 million cap. Above that, the relief rate drops from 100% to 50%. Business owners and farmers with assets worth more than £1 million need to review their position before April 2026.
How much does inheritance tax advice cost?
Our fees depend on the complexity of your estate and the scope of work required. We confirm costs clearly before any work begins. Most clients find the fee is a fraction of the IHT liability we identify and reduce. Contact our London team for a no-obligation initial conversation.
Where do you provide inheritance tax advice?
We work with clients from our offices in Tooting and Barking, London, and remotely across the UK. We regularly advise clients in South London, Wimbledon, Romford, Essex, and Hertfordshire. If you are searching for an inheritance tax advisor near you, contact us to confirm availability in your area.
I have assets in Dubai and the UK. How does IHT work?
It depends on your domicile and Long-Term UK Resident status. See our international inheritance tax planning for expats page for the rules that apply to cross-border estates.
How do I get started?
Contact our London team to arrange an IHT review. We work with clients from our Tooting and Barking offices and remotely across the UK. Most clients receive their written estate summary within five to seven working days of the review.
Contact Us Online
Expert Inheritance Tax Planning Services in London to Protect Your Wealth and Secure Your Family’s Future.
Confused Where To Start?
Schedule a Free 15-minute discovery call by providing your contact details, mentioning your requirements, and selecting a convenient date for the call.
How our discovery call works:
- Complete Our Contact Form
- Discovery Calls Scheduled
- Receive a Tailored Proposal
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IQBAL ZAFAR
I have been IBISS & CO client for past 7 years. Their team is professional and proactive who assist me in filing my overseas and UK tax disclosure.
Ahmed Hussain
I’ve used them for the past few years now and I am very satisfied with their services. The staff are very amicable as well. Definitely recommend them.
Stephen Hudson
The response of IBISS and Co to my tax problem was rapid and professional. The advisor understood the problem and recommended
Andrea Callegari
Excellent service! Provided a clear explanation to my matter in a timely manner. Very helpful and polite. Highly recommend.
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Working with IBISS & CO was a game-changer for our business. Their insightful advice and thorough analysis led to significant financial growth. Outstanding service!
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IBISS & CO exceeded expectations with their professional and strategic approach. They understood our needs and delivered results beyond our expectations. A reliable partner in finance.”
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“IBISS & CO’s financial planning transformed our portfolio. Their team’s dedication and deep market knowledge ensured we made the best decisions. A trusted partner for financial success.”
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IBISS & CO provided outstanding service, handling our project with precision and care. Their expertise made a significant difference, ensuring we achieved our goals efficiently.”
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