Fact find Questionnaire CRM V2

All information provided is treated as confidential, is securely protected and will not be shared without your written permission. This Fact Find uses conditional logic to minimise unnecessary questions and tailor the process to your circumstances. Where further detail is required based on your responses, additional questions will appear automatically within the form. Please provide as much information as you can. The more comprehensive your answers, the more tailored and valuable our report and recommendations will be. If you're short on time, you may enter “ask me later” in any field. We will follow up as needed before preparing your report and recommendations.

Step 1 of 14

What questions do you want your consultation to answer?

Please select any one or more of the following

How to change the balance of being asset-rich and cash poor Guidance on which properties to sell to pay down debt and enjoy a less stressful life FCA-regulated advice on where to invest sale procceeds following property sales How to plan business continuity in retirement Risk separation - Limited Liability Retirement Strategy Exit Strategy Minimising risk Minimising the hassle your death will leave your family to deal with, (e.g. Probate, selling properties to repay mortgages, IHT, frozen bank accounts etc.) Legacy planning (business continuity after your death) Pivoting Strategies (alternatives to rental property ownership)

What is your personal status?*

Married or civil partnership In a relationship with a life partner None of the above

In the event of your death or serious illness, is your spouse or life partner the person you would wish to protect and prioritise first?

Yes No

Spouse / Partner Name

Date of Birth

Spouse / Partner income (other than from property rental)

Does your spouse directly participate in your property rental business in terms of work and/or investment?

Yes No

Spouse / Partner Occupation

How many children do you have?*

What are the names, ages and incomes and occupations of your children?

This information is necessary for us to consider business continuity, legacy planning and your retirement options. If you have adult children and you don't know how much they earn, please provide a rough guess at this stage.

Do your children currently have an active roll in your property letting business?

Yes No

Would you like your children to take a more active roll in the business at some point?

Yes No

Is anybody else an investor in the rental property business?

Yes No

Do you have any other friends of family members who you would like to be involved in your lettings business at some point?

Yes No

Do you currently use a letting agent to manage any of your properties?

Yes No

Might you consider using a letting agent to manage your UK rental properties at some point in the future?

Yes No

In what structure(s) do you currently own rental properties and operate your your rental property business?

Please select all that are relevent

Personal / Joint names Partnership - registered with HMRC LLP (Limited Liability Partnership) - human members only Hybrid LLP (Limited Liability Partnership) - human and company members Limited Company (SIC code 68209) FIC (Family Investment Company) with Freezer and Growth shares Other (please specify)

Are you concerned about protecting your personal wealth from business risk?

Yes No

Are you under pressure from Section 24 mortgage interest restrictions on personally owned or partnership-owned properties?

Yes – this significantly reduces my profits Yes – but I manage through other deductions No – I don’t have mortgages or I own via a company

Would you prefer a structure where profit can be retained in the business and used for future projects, refinancing, or family planning — rather than always being taxed as personal income?

Yes – I want that flexibility No – I prefer to extract all profits personally Not sure

Are you open to a structure that gives you long-term control, while gradually involving or benefiting other family members?

Yes – that’s my long-term goal Possibly – depending on the structure No – I plan to keep full control indefinitely

Would you consider restructuring even if it resulted in some CGT or SDLT, where there is a clear commercial or legacy-based justification?

Yes Possibly No – I’m only interested in tax-neutral options

What’s your preferred approach to future profit use?

Reinvest in property Repay Debt Build family wealth across generations Draw personally as income Leave options open

How many UK rental properties do you own (all structures)?*

Please do not include your own home or any holiday homes or overseas properties.

Are any of your UK rental properties non-residential?

For example; lock up garages or commercial properties

Yes No

Have you ever lived in any of your UK rental properties?

Yes No

Did you acquire any of your UK rental properties as a gift or inheritance?

Yes No

Are you considering selling any of your UK rental properties?*

Yes No

Approximate total value of your UK rental properties? - please do not include your own home(s) or any holiday home(s)*

Do you have any mortgage, loans or other liabilities secured against these UK rental properties?*

Yes No

Total liabilities outstanding on your personally owned UK rental properties?*

Equity (auto calculated) in £

LTV (auto-calculated) as a percentage

Does your rental property rental business have a Partnership UTR?*

UTR = Unique Tax Reference number for the Partnership

Yes No

If yes, when was the partnership commencement date?

This is the date the partnership was officially registered with HMRC

Do you currently have a Partnership Agreement in place?

Yes No

Do you have any income (other than from property) which is taxable in the UK?*

Yes No

Please provide more details of your other UK taxable income

Examples might include pension income, salary from employment , dividend income from other businesses, etc. The more information you can provide the better, e.g. "I am an airline pilot, my salary from that job is £87,000 a year and I also pay myself a dividend from another business of £2,000 a year."

You mentioned earlier that you own some rental properties in a Limited Company or Family Investment Company structure, is that correct?*

Yes No

What is the full name of the company?

What is the total gross value of properties owned in this company?

What are the total liabilities of this company?

Do you currently have a shareholders agreement in place?

Yes No

Do you own any overseas properties

Yes No

Please provide details of the overseas property, e.g. type of property, value, mortgage outstanding, how you use this property etc.

You mentioned earlier that you operate at least part of your rental property business through a Limited Liability Partnership (LLP) is that correct?

Yes No

Who are the Designated Members of the LLP?

Who are the Non-Designated Members of the LLP?

Why did you decide to operate your business through an LLP structure??

Are you UK resident for tax purposes?*

Yes No

In which Country are you resident for tax purposes?

Do you own a home in the country you are tax resident in?

Yes No

Value of overseas home in local currency

Mortgage outstanding on this property (in local currency)

Do you ever let your home in the Country you are tax resident in?

Yes No

When did you become non-resident for UK tax purposes?

Have you been resident in the same Country since you became non-resident for tax purposes in the UK?

Yes No

Do you currently benefit from any special tax treatment, e.g. NHR in Portugal, Beckham's law in Spain etc

Yes No

Details of any special tax treatment

Do you have any immediate plans to become non-resident?*

Yes No

Please tell us more about your plans to become resident in another Country

Do you own a UK home?*

Yes No

What is the approximate value of your UK home?

Do you have a mortgage on your UK home?*

Yes No

Approximately how much is the the outsanding balance of the mortgage secured on your home?

Equity in your home (auto-calculated) in £

UK Home mortgage LTV % (auto calculated)

Approximate net value of pension fund

Approximate value of other liquid investment, e.g savings, shares, crypto currency etc

Approximate net value of any other assets not already mentioned

Is it likely that you will acquire any additional investment properties?*

Yes No

Are you planning to refinance any of your properties in the next 12 months?

Yes No

Have you made a Will?

Yes No

Has your Will been updated in the last three years?

Yes No

Have you previously sought advice on Inheritance Tax Planning?

Yes No

Was that IHT planning advice followed through to implementation?

Yes No

Have you made arrangements for who would manage your affairs in the event of illness or incapacity?

Yes No

Have you organised Lasting Powers of Attorney (LPA's) yet?

Yes No

Do you have any life insurance?

Yes No

Is your life insurance written into Trust?

Yes No

What are your current plans for retirement, from a business management perspective?

Please select one or more of the following

I haven't given this enough thought and need some help to formulate a strategy I plan to sell some properties and pay down mortgages I plan to sell some properties and live off the net sale proceeds I plan to remain tied into running the business until the day I die I plan to engage a property management company and PA to substantially reduce the burden etc. Other

When would you like to begin stepping back from your UK rental property business?

Within the next year or two Within two to five years Within five to ten years More than 10 years from now

What would you like to think will happen to the business when you die?

The business will be sold by my beneficiaries as a going concern My beneficiaries will own and operate the business My beneficiaries will own the business but outsource the management My beneficiaries will sell all UK rental properties and dismantle the business Other

Have you made any plans to enable your beneficiaries to repay mortgages AND to be in a position where they can be confident of arranging new financing and paying IHT before they are able to inherit your estate upon your death?

Yes No

Action Point One

Based on the information you have shared so far, we highly recommend a review with Insight Financial Associates who specialise in FCA regulated advice on:

Insurance protection – to help mitigate risks identified in your Fact Find
Liquid investments – to optimise returns on cash reserves (e.g. following property sales or releasing capital)
Pensions – including planning considerations such as changes to IHT rules, holding commercial property, risk mitigation, and optimising returns on cash balances

There is no initial cost for this service.

Would you like us to organise a zero cost Financial Adviser call?**

Yes, please share my Fact Find with Insight Financial Associates I do not wish to take advantage of this referral