IHT Planning

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IHT Planning

Most people want to pass their estate to their family, not the government, when they die - in which case inheritance tax planning (IHT) is vital.

The current IHT allowance is £325,000 for 2019/20.

Therefore, the first £325,000 of an individual's estate is free of inheritance tax. People who are married or in a civil partnership can transfer any unused allowance to their surviving partner making it possible to increase their IHT threshold up to a maximum of £650k. Beyond that, your estate has to pay 40%.

However, the price of the average detached house is already more than £650,000 in some parts of the country - which means many people will still find their estate is liable for IHT, especially if they have other assets.

We can help to reduce your estate's IHT bill:

There are legal ways to reduce the amount of tax on your estate. We can help you to make the correct provisions using our experience and knowledge of the complex IHT rules, you can leave more for your family by making use of:

  • Tax-efficient Wills
  • Gifts during your lifetime
  • Trusts
  • Life Assurance
  • Taper Relief

Contact Information

PJ Mortgages (UK) Limited

354 St Albans Road,

Watford WD24 6PQ

Phone: 01923 232111

Thanks for reviewing my pension and giving me advice on what pension I should go for. I will have no hesitation using your services in the future and will be pleased to recommend you. T Clark, Watford

Paul of PJ Mortgages was very helpful and quickly arranged a good priced insurance package for me and my family so I am glad I'm covered for the future now. Sam Ferrier

Thanks for the help you gave my wife and I on investing a lump sum which gave us a very positive outcome that will be pleased to recommend you to whoever we know or meet. R Vickers, Watford

Thank you for your professional and efficient service in sourcing the right mortgage provider for me - I wish more businesses would follow PJ Mortgages (UK) Ltd model. F Benenson, Finchley

Thanks for all your help and hard work and attention to detail. You have worked diligently and kept me up to date and explained everything to me. S Mann, Dunstable