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IHT Health Check

Find out what inheritance tax your estate could face, and what you can do about it.

From £595 plus VAT.

At a glance

A review of your estate's inheritance tax position by a Chartered Tax Adviser and former HMRC Senior Tax Inspector, with a written report setting out your options.

Who this is for

  • •Homeowners and families who want to know where they stand
  • •People who have made, or plan to make, significant gifts
  • •Business owners and landowners relying on business or agricultural property relief
  • •Anyone with property or assets outside the UK
  • •People with pensions concerned about the April 2027 change
  • •People with family who will depend on the estate
  • •Couples who want to make full use of both sets of allowances
  • •Landlords with buy-to-let or holiday let property

What is involved

You send us a summary of your estate, we review it and you receive a written report with the estimated exposure and practical options to reduce it. Fees start from £595 plus VAT and are confirmed before any work starts.

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What we look at

  • An estimate of the inheritance tax your estate would face as things stand
  • Use of the nil-rate band and residence nil-rate band, including any unused allowance from a late spouse or civil partner
  • Gifts made in the last seven years, and whether regular gifts could qualify as gifts out of surplus income
  • Pensions, life policies and how they are held
  • Business and agricultural property, and the reliefs that may apply to them
  • Property and assets outside the UK, and the residence-based rules that apply from 6 April 2025

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How it works

Four simple steps.

  1. Tell us about your estate. A short list of assets, gifts and family details is enough to start, and you can send it by WhatsApp or email.
  2. We review it. We work out the likely inheritance tax position and look at where it could be reduced.
  3. You receive a written report. It sets out the estimated exposure, the practical options and the tax effect of each, in plain English.
  4. You decide what to do next. If you want to act on the options, we can help put them in place, working alongside your solicitor or financial adviser where needed.

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FAQ

Frequently asked questions

What is an IHT health check?
A review of your estate as it stands today. We estimate the inheritance tax that could be payable, check that the allowances and reliefs available to you are being used, and set out practical options to reduce the bill.
How much does it cost?
From £595 plus VAT. Larger or more complex estates, for example those with business assets or property abroad, take longer, so we confirm the fee before any work starts.
What information will you need?
A list of your main assets and their rough values, any significant gifts made in the last seven years, details of pensions and life policies, and your family situation. We will tell you if anything else is needed.
Do you write wills?
No. Wills are prepared by solicitors. We advise on the tax side and are happy to work with your solicitor, and with your financial adviser if you have one.
Is the review confidential?
Yes. Everything you tell us is handled in strict confidence.

Book an IHT health check

Tell us a little about your estate and we will confirm the fee before any work starts.

Message us on WhatsApp
or send a short enquiry

We reply to every enquiry within 24 hours, in confidence. Prefer email? hello@rmhoconsulting.com

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