IHT and property portfolio resiliance calculator

Step 1 of 6

Your property portfolio

Approximate totals are sufficient. These figures estimate your current loan to value and the funding needed to make the portfolio more resilient.

Total current value of all rental properties*

Enter one figure for the entire portfolio. For properties held in a company, include only your share, e.g. 60% of a £1m company = £600,000.

Finance secured against your rental properties*

Include borrowing secured against the rental properties.

Mortgage payments*

Only for your rental properties

Frequency

Your other assets and liabilities

Enter approximate combined values. Leave a category at zero where it does not apply.

Current value of your main home

The value of your assets is needed to calculate your approximate exposure to IHT

Mortgage on your main home

Details of your liabilities are needed to calculate your approximate exposure to IHT

Defined contribution pensions and SIPPs

Pension pots not yet being drawn as income. Leave out pensions you already receive as income, e.g. a teacher's or final salary pension.

ISAs, shares and investments

Include stocks and shares ISAs. Cash ISAs go under Cash and savings.

Cash and savings

Include cash ISAs.

Holiday homes and other property

Mortgages on holiday homes and other property

Details of your liabilities are needed to calculate your approximate exposure to IHT

Trading businesses and other substantial assets

Do not include rental property already entered.

Does a company owe you money, e.g. a director's loan account?

Enter the amount owed to you, or 0 if none.

Personal loans, vehicle finance, credit cards, overdrafts and other debts

Details of your liabilities are needed to calculate your approximate exposure to IHT

Your family circumstances

These answers apply broad provisional allowances and identify where the estimate needs professional review.

Who is this assessment for?*

Me Me and my spouse or civil partner Me and my unmarried partner

What is your current relationship status?

Single Married Civil partnership Living with a partner Widowed Divorced or separated

Do you have children or other direct descendants?*

Generally includes children, stepchildren, adopted children and grandchildren.

Yes No Unsure

Do you intend your home to pass to direct descendants?

Yes No Unsure

Are you or any substantial assets based outside the UK?*

Yes if you live outside the UK, have recently left, or own substantial overseas property or investments.

No Yes Unsure

Existing planning and protection

Short questions to identify legal and financial planning matters that may need attention.

Do you have an up-to-date will?*

No or unsure if it predates a major family or portfolio change.

Yes No Unsure

Do you have registered Lasting Powers of Attorney?*

Yes No Unsure

Professional inheritance tax or estate planning advice in the last three years?*

Yes No Unsure

Have you made any gifts of money or property in the last seven years?*

Leave out small everyday gifts. Larger gifts can still count for inheritance tax for seven years.

Yes No

Do you already have life assurance?

Yes No Unsure

Approximate total amount of cover

Is the cover held in trust?

Yes No Some of it Unsure

Approximate amount held in trust

Initial insurance illustration details

Your age and smoking status help the regulated financial adviser consider an initial Whole of Life illustration. Any quotation is subject to full advice, affordability checks and underwriting.

Date of birth

Date of birth is required to prepare insurance quotations

Do you smoke or use nicotine products?*

Needed to provide insurance quotes

No, never Former smoker or nicotine user Current smoker Vape or use other nicotine products Prefer to discuss with the adviser

Spouse or partner's full name

Spouse or partners date of birth

Spouse or partners date of birth is required to prepare insurance quotations

Does your spouse or partner smoke or use nicotine products?

Required to prepare insurance quotations

No, never Former smoker or nicotine user Current smoker Vape or use other nicotine products Prefer to discuss with the adviser

UK postcode*

Enter your country instead if you live outside the UK.

Where should we send your report?

We will use these details to prepare the report and make the professional introductions you request.

Full name*

Email address*

Telephone number*

Preferred method of contact

Best time to contact you

Please arrange an FCA regulated IFA to contact me (free of charge) to discuss my personalised report and provide quotes

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IHT and property portfolio resiliance calculator

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