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Family Investment Companies

Family Investment Companies

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by Mark Alexander - Founder of Property118

10:01 AM, 1st November 2025, About 3 months ago

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UK Landlord Consultancy Landlord News

Limited company landlords are sitting on a 40% IHT time-bomb.

Over 400,000 UK landlords now run their portfolios through Limited Companies. It’s become the default response to Section 24 and the pressure on refinancing.

However, here’s the uncomfortable truth: Every pound of equity growth in that company is locked into your personal estate and exposed to a 40% inheritance tax charge on death.

For landlords who have spent decades recycling equity and compounding growth, that bill can easily run into the millions.

Learn why incorporation is only half the journey, and how to protect your legacy using a professionally structured Family Investment Company.

This guide explains, in plain English, how landlords can keep control of their company while directing future growth to the next generation in a secure and HMRC-defensible way.

  • Succession planning
  • IHT awareness
  • Control retained
  • HMRC defensible

No charge – instant access after submitting the form below.

What you will learn inside the guide

The guide walks you through the full journey from a standard limited company to a Family Investment Company that caps inheritance tax exposure and protects your portfolio for the bloodline.

Inside you will discover:

  • Why a basic company can trap your growing estate inside your IHT problem.
  • How landlords really build wealth through leverage, refinancing and time.
  • How frozen shares and growth shares work in practice.
  • Why a discretionary trust is central to long-term protection for your family.
  • How FICs sit with GAAR and DOTAS and why they are mainstream rather than a “scheme”.
  • The implementation steps from first review through to completed structure.
  • Case studies where planning early made a decisive difference.

Who this guide is for

This guide is written for:

  • Incorporated landlords with a growing portfolio.
  • Those thinking about succession and “what happens if something happens to me”.
  • Directors who want to keep control of their company yet protect their children from risk.
  • Advisers who want a clear explanation they can share with clients.

What makes this guide different

The content is based on real landlord experience and supported by specialist legal and tax advice.

The guide avoids jargon, avoids hype and focuses on structures that are already in use across the UK.

Topics such as valuation of growth shares, trust charges and interaction with HMRC are explained clearly so that you can speak confidently with your own professional advisers.

Frequently asked questions

Is the guide really free?
Yes. There is no charge for the PDF. You can download it immediately after completing the short form on this page.
Do I need to be a large portfolio landlord for this to be relevant?
No. The guide is useful for any incorporated landlord who expects their company to keep growing over the years ahead.
Is this personal tax advice?
No. The guide is educational. It explains concepts and structures that you can then discuss with your own accountant or solicitor.

Get your copy

Enter your details below and we will give you immediate access to the PDF guide.

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“Family Investment Companies – The Essential Guide for Landlords”

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