Скачать или смотреть Inheritance Tax Loopholes in the UK (2025-26) | Legal Ways to Reduce IHT Explained by MTA

Did you know there are perfectly legal ways to reduce or even avoid Inheritance Tax (IHT) in the UK? In this detailed video, MTA (My Tax Accountant) explains the Inheritance Tax loopholes you can use — completely within HMRC rules — to protect your family wealth and ensure your loved ones inherit more of what you’ve worked hard for.
The Inheritance Tax threshold remains a hot topic for the 2025-26 tax year, especially with rising property values pushing more estates above the taxable limit. This video is designed for UK homeowners, families, and business owners who want to understand how to minimise IHT liability through smart, lawful estate planning.
To read the full article and explore more about the topic, visit: https://www.mytaxaccountant.co.uk/pos...
In this video, you’ll learn:
• What Inheritance Tax (IHT) is and how it applies to estates worth more than £325,000 in 2025-26.
• The main residence nil-rate band (RNRB) and how it increases the IHT threshold when passing property to direct descendants.
• The loopholes and reliefs available under HMRC rules that help reduce IHT legally.
• How lifetime gifts can reduce your estate’s taxable value — and what the 7-year rule means.
• How to use the annual gift exemption (£3,000 per year) and small gift exemptions efficiently.
• The benefits of trusts in inheritance planning — including discretionary, bare, and interest-in-possession trusts.
• The use of Business Relief (BR) and Agricultural Relief (AR) to reduce or eliminate IHT for business owners and farmers.
• How to transfer your unused IHT allowance between spouses or civil partners to double your threshold.
• The role of charitable donations and how giving to charity can cut your IHT rate from 40% to 36%.
• How life insurance policies written in trust can cover future IHT bills without adding to the estate’s value.
• The impact of pensions and how leaving pension funds outside your estate can reduce IHT exposure.
• The Potentially Exempt Transfer (PET) strategy and when HMRC might still charge tax.
• How to use Regular Gifts from Surplus Income — a powerful but often overlooked IHT exemption.
• How property ownership structures, such as joint tenancy and tenants in common, affect IHT liability.
• What happens when you make gifts with reservation and how HMRC can still include them in your taxable estate.
• The importance of accurate record-keeping for gifts, trusts, and estate valuations.
• How IHT applies to non-UK domiciled individuals with UK assets.
• What changes HMRC may implement in 2025-26 and how they could impact inheritance planning.
• How MTA (My Tax Accountant) can help you create a tax-efficient estate plan that stays fully compliant with UK tax laws.
Inheritance Tax planning doesn’t have to be complicated — but it must be done carefully and legally. Using the right exemptions, trusts, and financial tools can save your heirs thousands of pounds in unnecessary taxes.
If you want to review your estate or need expert advice on reducing Inheritance Tax for 2025-26, speak with our qualified specialists at MTA (My Tax Accountant).
📞 Contact MTA (My Tax Accountant)
WhatsApp / Phone: 07854 255375
📧 Email: [email protected]
Disclaimer: This video and description are for general informational purposes only and do not constitute financial, tax, or legal advice. Inheritance Tax laws can change, and their application depends on individual circumstances. Always seek professional guidance before making financial or estate decisions. Neither MTA (My Tax Accountant) nor the video creator accepts any liability for losses, errors, or actions taken based on this information.
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