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Inheritance Planning for Property Owners

For many UK families, property represents far more than bricks and mortar. Family homes, buy-to-lets and holiday properties often sit at the heart of long-term wealth — but passing them on has become increasingly complex.

In this conversation, Rosie Bullard, Partner and Portfolio Manager at James Hambro & Partners, joins us to explore how inheritance planning around property really works in today’s changing tax and legislative environment. We discuss the trade-offs between holding, gifting, restructuring or selling property — and why good planning must go far beyond tax alone.

This is the second interview in our series on inheritance and intergenerational wealth.

In this video, we cover:

Inheritance & the Family Home
How current inheritance tax reliefs work for main residences — and where value thresholds and conditions come into play.

Buy-to-Lets, Holiday Homes & Complexity
Why owning multiple properties introduces additional layers of tax, liquidity and family considerations when passing wealth down.

The Seven-Year Clock & Capital Gains
What gifting property can trigger from both an inheritance tax and capital gains tax perspective — and why timing matters.

Liquidity vs. Illiquidity
The challenge of paying tax on assets you can’t partially sell — unlike investment portfolios.

Family Dynamics Matter
Why inheritance planning isn’t just about numbers: differing children, shared ownership, fairness and long-term decision-making.

Hidden Costs for the Next Generation
Council tax surcharges, maintenance costs, and the risk of ongoing financial support once assets are passed on.

UK vs Overseas Property
Why properties held abroad introduce additional legal and inheritance risks — including different will regimes.

Buy-to-Let Tax Pressures
How changes to mortgage interest relief and income taxation have altered the economics of UK rental property.

Family Property Companies & Trusts
When these structures can help — and why setup, stamp duty and ongoing costs must be carefully weighed.

Selling Property vs. Investing Capital
Why some families are considering selling down property portfolios and reallocating into diversified investments for flexibility, tax efficiency and ease of succession.

Key Timestamps:

0:00 – Introduction and focus on inheritance planning
0:55 – Residential property and inheritance tax reliefs
1:45 – Multiple properties and generational planning challenges
3:00 – Gifting, capital gains tax and the seven-year rule
4:30 – Family dynamics, fairness and shared ownership risks
5:55 – Buy-to-let taxation and income pressure
6:45 – Structuring property ownership within families
7:45 – Property companies, trusts and associated costs
8:50 – Selling property vs. moving into portfolios
9:45 – Flexibility, control and individual investment choice
10:35 – Why planning, modelling and strategy are essential

Are you thinking about how property fits into your family’s long-term inheritance plan?
Let us know your thoughts in the comments below.

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Disclaimer : Rosie Bullard is a Partner – Portfolio manager at James Hambro & Partners LLP, which is authorised and regulated by the Financial Conduct Authority. This video does not constitute investment advice or a recommendation. The tax treatment depends on the individual circumstances of each person and may be subject to change in future.