Deed of variation: changing a will after death (UK 2026 guide)
A UK guide to deeds of variation - how beneficiaries can redirect inheritance after death, the 2-year deadline, the IHT and CGT read-back rules, and common uses.
Insights & guides
Inheritance & tax
Inheritance tax, the nil-rate band, and planning.
Residence Nil Rate Band (RNRB): the £175,000 IHT allowance explained
A UK guide to the Residence Nil Rate Band - the additional £175,000 IHT allowance for family homes passing to direct descendants, the downsizing rules, and the taper for large estates.
How much inheritance tax will my family actually pay?
A UK guide to estimating inheritance tax - worked examples for different estate sizes and family situations, the reliefs that genuinely reduce IHT, and the myths to avoid.
What happens to a mortgage when someone dies in the UK?
A UK guide to mortgages after death - sole vs joint mortgages, life insurance, mortgage protection, taking over a mortgage, and what executors need to do.
UK Inheritance Tax explained: thresholds, reliefs and the £325,000 nil-rate band
Inheritance tax thresholds, the residence nil-rate band, the spouse exemption, business and agricultural reliefs, and how a married couple gets to £1 million.
The 7-year rule: how lifetime gifts affect inheritance tax
The seven-year rule explained with worked examples: PETs, taper relief, gifts with reservation of benefit, and the most useful exemptions to know.