The Investors Corner19 Dec 2025

Your Will Isn't Enough After the Budget - Here's What Every Landlord Must Fix

Welcome back everyone. Today we're diving into the part of the Budget that barely got any airtime but massively impacts landlords: inheritance, pensions, and long-term planning.

From 2027, unused pensions will now be hit with inheritance tax. And from 2031, the freeze on inheritance tax thresholds ends, which sounds good but actually creates a bit of a ticking time bomb for landlords with growing portfolios.

So, to make sense of it all, we've brought in an estate planner who deals with this stuff every single day. We'll run through the key Budget changes, bust a load of myths landlords still believe, and look at some real-life scenarios that catch people out.

If you're a landlord with a portfolio, a pension, or a family you don't want to leave a tax mess this one's absolutely worth a listen

In this episode, we break down how the 2025 Budget changes the landscape for landlord inheritance planning, especially with new rules around pensions and frozen tax thresholds.

We cover:

Inheritance Tax being charged on unused pensions from 2027
The freeze on IHT thresholds ending in 2031 and what it really means
How frozen income tax thresholds affect lifetime gifting
The impact of rising savings tax on inheritance planning
Why limited companies don't protect you from inheritance tax
Common landlord mistakes with wills, gifting, trusts and company shares
Real scenarios showing how the new rules play out

If you're a landlord and you haven't reviewed your will or inheritance plan since the Budget, this episode could save your family a huge amount of tax and stress later on.

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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