The Investors Corner29 Aug 2025

Landlords: Don't Let HMRC Take Your Portfolio – Estate Planning Secrets You Need to Know

Welcome back to the podcast. Today we're diving into something that doesn't always get talked about in the property world but absolutely should Wills and estate planning.

If you're a landlord or property investor, you've worked hard to build your portfolio. But what happens to it when you're gone? Without proper planning, your family could face unnecessary tax bills, delays, or even lose out on rental income.

Most landlords focus on mortgages, tenants, and tax returns, but few think about the bigger picture: what happens to their property portfolio when they're no longer here.

We're joined by Jamie from Soteria Planning, who's an expert in this field. He's going to break down inheritance tax, trusts, how to pass on your properties the smart way, and real-world lessons that prove why this matters more than most landlords realise.

You'll learn:

Why landlords need wills and estate planning — and the risks of ignoring it.
How inheritance tax (IHT) really applies to buy-to-lets and HMOs.
Trusts explained in plain English — and when they do or don't make sense.
The smartest ways to pass your portfolio on to children or family.
Real stories of planning gone wrong (and right).
Practical tips: when to update your will and the must-have documents landlords need.

If you own property, this conversation is a must-listen to make sure your wealth ends up in the right hands — not HMRC's.

Get in touch with Jamie

Website: https://soteriaplanning.uk/agent-profile/jamie-shepherd

email: jshepherd@soteriaplanning.uk

Phone number: 07787 410 958

Connect on LinkedIn: https://www.linkedin.com/in/jamie-shepherd-754732141/

Read Soteria Planning's Guide to writing a will:

https://online.flipbuilder.com/mwcp/lbvf/

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