Blogs

Commercial Mortgages: A Practical Guide for Business Owners, Investors & Developers

This guide cuts through the noise to help you understand how commercial mortgages work, the types of finance available, how lenders assess applications, and how to structure finance that aligns with your long-term goals.

Education Hub

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Gifting and the Family Home: Preventing Deprivation of Assets Pitfalls

Gifting your home to family members may appear to be a sensible step for inheritance planning or future care funding, but it can trigger serious financial and legal consequences if not properly structured. This article explores the deprivation of assets rules, common pitfalls in gifting the family home, and the...

A smiling healthcare professional holding hands with an elderly woman at home, symbolising trust, personalised care, and long-term health support in later life.

When a Loved One Needs Care: Funding and Protecting The Family Future with Later Life Mortgage Options

A sudden care requirement for a loved one can bring emotional upheaval and urgent financial decisions. From funding care home fees to preserving the family home, later life lending presents a flexible and strategic solution for families navigating this complex landscape.

Professional woman discussing financial planning with an adviser, reviewing documents related to inheritance tax and estate strategy

Inheritance Tax (IHT) and Structuring Debt for Estate Planning

From asset-backed lending to intergenerational loan structures and portfolio leveraging, borrowing can reduce the taxable value of an estate, provide liquidity for IHT settlement, and preserve control over assets.

Adult daughter helping her elderly mother in a wheelchair into a car, representing family caregiving and financial support in later life.

A Financial Guide for Adult Children Supporting Elderly Parents

This guide explores how adult children can offer financial support with clarity and confidence, covering areas such as care funding, property decisions, estate planning, and intergenerational wealth impact.

Smiling grandmother embraced by her young granddaughter, symbolising intergenerational gifting and legacy planning.

Gifting Rules Quick Guide

This guide outlines the key exemptions available from the £3,000 annual allowance to unlimited gifting from surplus income and highlights powerful strategies including trusts, structured giving, and how to avoid common pitfalls like gifts with reservation of benefit. Designed for individuals with substantial estates, it offers practical insights for structuring...

Elderly couple reviewing financial documents and receipts at home, representing inheritance tax planning and estate review

10 Signs It’s Time to Review Your IHT Exposure

This article presents ten key indicators signalling when it might be time to reassess your tax position. These include substantial property appreciation, outdated Wills, unstructured gifting, and holding life insurance outside of trust structures. Strategic insight now can help avoid unintended tax bills and protect wealth for future generations.

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Paying for School and University Fees Without Jeopardising Your Retirement

This guide sets out how carefully structured financial support, whether through surplus income, lending arrangements, trusts, or insurance can allow you to contribute meaningfully to education costs while safeguarding retirement security and preserving your legacy.

Elderly woman and young girl smiling together while arranging flowers, symbolising intergenerational support and family connection.

Helping Grandchildren Financially: A Strategy Is Key

A strategic guide for homeowners over 50 on gifting without unintended tax or legacy consequences Supporting grandchildren can be one of the most rewarding expressions of financial success. Whether it’s helping them onto the property ladder, funding education, or seeding future investments, many high-net-worth individuals...

Adult daughter supporting her elderly mother in a wheelchair, symbolising the emotional and practical responsibilities of estate planning and executor duties.

Executor’s Checklist: Managing a Loved One’s Estate with Confidence

Even with a clear will and carefully built wealth, estate execution can be complex. This guide equips high-net-worth individuals to ease the burden on future executors, ensuring their legacy is preserved with clarity, liquidity and care.