HMRC’s digital blitz is catching sloppy expense claims—get “wholly & exclusively” right, split mixed-use costs, keep records… or expect a costly nudge. ⚠️ Quick Heads-Up: HMRC’s new digital crackdown pulled in £27m last year by catching dodgy expense claims. They’re now going after sole traders, partners, and landlords who: Keep solid records, be consistent, and […]
If it asks for money, passwords or your authentication code, it’s a scam — here’s what to do. Scam emails, calls and letters pretending to be from Companies House are on the rise. They look convincing — logos, reference numbers, “urgent” language — but there are some easy tells and simple steps to keep your […]
The Furnished Holiday Lettings (FHL) regime is gone. From 6 April 2025 (1 April for companies), short-stay lets are taxed like any other residential rental. The government’s policy and clarifications confirm four big shifts: interest relief capped at basic rate, no capital allowances on new spend (use “replacement of domestic items” instead), no CGT trader-style […]
Being an executor is a responsibility, not a title. Here’s the plain-English sequence most estates follow in England & Wales (Scotland/NI similar, with different terminology). 1. First 48 hours 2. First 1–2 weeks 3. Valuations & the tax picture 4. Applying for probate (Grant of Probate / Letters of Administration) 5. Property sales — what […]
Owning a business adds extra moving parts to your estate planning. The good news: there are generous reliefs. The bad news: they’re changing, and the legal paperwork inside your company often beats whatever your Will says. 1. BPR & APR: what’s changing (and what to watch) Takeaway: Relief isn’t “gone”, but the first £1m per […]
Life insurance is one of those things we all know we “should” sort out, but it’s easy to kick into the long grass. The trouble is, if it’s done wrong (or not at all), it can leave families with debts, delays, and — ironically — an even bigger Inheritance Tax bill. 1. The basics (and […]
For years, pensions were the golden goose of estate planning — outside of Inheritance Tax (IHT), flexible, and easy to pass on. But the landscape is shifting, and it’s an area where myths and half-truths abound. Where we are now (pre-2027): Where we’re heading (April 2027): When is a pension counted for IHT? The Halloween […]
From 6 April 2025, the UK moved IHT onto a residence-based footing. The key concept is long-term UK resident (LTR) — not “UK-domiciled”. If you’re an LTR, your worldwide assets can fall within UK IHT. If you’re not an LTR, it’s generally UK-situated assets only. Who counts as LTR? You’re an LTR if you’ve been […]
Giving to charity isn’t just about feeling good — it’s also one of the neatest ways to reduce Inheritance Tax. How it works: That small change can make a big difference — both to your chosen cause and your family. Extra nuance: Some people prefer to leave a percentage (e.g. 5% of the estate) rather […]
You and your partner own a house together. The legal wording decides what happens when one of you dies. Joint tenants The survivor automatically inherits the whole property — even if your Will says otherwise. Tenants in common You each own a distinct share, which you can leave to whoever you like in your Will. […]
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