Education Hub

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.

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 alternative strategies available through later life lending to help preserve both control and wealth across generations.

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.

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.

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.

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 gifts in a way that preserves both flexibility and legacy.

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 These include substantial property appreciation, outdated Wills, unstructured gifting, and holding life insurance outside of trust structures.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.

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.

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 reach a stage where gifting feels not just desirable, but […]