How property investment portfolios could create IHT headaches

How property investment portfolios could create IHT headaches

There are a host of areas and products that you can invest in these days, but property continues to be a major draw for many.

The recently published English Private Landlord Survey 2021 explored the reasons for becoming a landlord, with a key one being a preference to invest in property rather than other areas. Some said that the move would act as a pension contributor, while the chance to supplement income was also referenced.

But, while the area may be attractive, there are of course a range of issues to consider. However, has inheritance tax (IHT) ever been on your radar? With property prices rising, it may be worth keeping in mind.

Dicky Davies, Business Development Director at Tower Street Finance, said:

“The increase seen in property prices is a big talking point across the UK right now, but it could become a particularly major issue if you have property investments.

The price rises may mean that more estates go beyond the IHT threshold, particularly as the IHT thresholds have been frozen until 2026, so it is worth keeping tabs on the value of your assets. After all, a failure to do this could have significant consequences for your friends and family, as they could end up facing the stress of unexpected and costly IHT bills.”

If such issues do emerge, Dicky added that Tower Street Finance may be able to help. He said:

“Such situations can be tough, but you may not have to face them alone. Our range of products includes the IHT loan, which has been created to support those facing an unexpected bill.

You can use the loan to pay HMRC, with the estate then repaying the funding afterwards. Hopefully, this should provide some relief at a difficult time.”

Find out more at about our Inheritance Tax Loan product or call us on 0343 504 7100.

This article was submitted to be published by Tower Street Finance as part of their advertising agreement with Today’s Wills and Probate. The views expressed in this article are those of the submitter and not those of Today’s Wills and Probate.

Tower Street Finance










Tower Street Finance (TSF) was set up by an experienced management team who saw a need for relevant, accessible financial products which benefit administrators of estates, executors and beneficiaries.

We are passionate about using insight, data and our considerable experience to help customers with innovative products and services, including those who may be in financial difficulty.

We currently have four products which are aimed at the inheritance market and they all have a common DNA. There are:

  • No credit checks
  • No risk or personal liability
  • No charge over property
  • No monthly repayments
  • No requirement for a Will

IHT Loan

The IHT Loan can help when estates are effectively ‘locked’ because the executor needs to pay the IHT to get the Grant, but needs the Grant to realise the assets to pay the IHT.

It’s taken out by the executor/personal representative and can solve the problem. The money is used to pay HMRC and it’s a way of meeting the IHT liability to unlock the estate with no risk or need to take out a personal loan/bridging loan.

Inheritance Advance (winner of Innovation of the Year, British Wills and Probate Awards 2020)

An Inheritance Advance allows beneficiaries to access a proportion of their inheritance sooner, with the Advance repaid out of the proceeds of their inheritance. This solves the problem of beneficiaries asking when they’ll be able to get their money and you having to explain that the process is complicated and lengthy.

Again, there’s no risk – if another Will emerges or assets take longer to sell or sell for less than anticipated, or another debt is discovered, we take the risk.

Inheritance Dispute Funding (IDF)

Inheritance Dispute Funding helps people who want to dispute a will but don’t have the money to fund the legal bills. We know that one in four people would dispute an inheritance if they felt it was unfairly distributed.

Contesting a will can cost up to £5k in upfront costs and there’s no guarantee your case will be taken on – with IDF the solicitor gives their opinion on the case and win or lose – we take the risk.

We pay the costs and then they’re repaid from the estate proceeds.

Estate Expense Funding (EEF)

Estate Expense Funding is for executors who face costs while they’re dealing with their responsibilities of administering an estate. These can be unexpected but we can help cover the costs until the inheritance is released

Executors could be liable for expenses such as funeral costs, professional fees, house and garden maintenance and more.

We pay the costs and then they’re repaid from the estate proceeds

Key Services

Key Contact

Richard (Dicky) Davies, Business Development Director
Tel: 07702 559051
Email: [email protected]
LinkedIn Acc: Dicky Davies
Facebook: Tower Street Finance
Instagram: Tower Street Finance


46 Tower Street
North Yorkshire

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