Inheritance tax could cost you £400k
Inheritance tax could cost you £400k
Business owners must take conscious and proactive action immediately to develop a multidisciplinary plan that coordinates legal, tax, and financial strategies before IHT changes take full effect.
November 19, 2025

Ross, Simon, and David of Vision Dental Wealth, reveal the urgent Inheritance Tax (IHT) crisis facing UK business owners and entrepreneurs. Find out how HMRC’s impending changes to Business Property Relief (BPR) in April 2026 and the inclusion of private pensions in your estate from April 2027 are creating a £400,000 tax liability on the sale of a £1 million business, turning an IHT-exempt asset into taxable cash overnight.

In this webinar, you will discover:

  • The true cost of selling a business – why IHT risk escalates when BPR-qualifying shares are converted to cash.
  • The April 2026 BPR cap – how the new rules on Business Property Relief fundamentally change business succession planning.
  • The April 2027 Pension shift – why your unused pension is no longer a guaranteed IHT-free legacy asset.
  • Proactive strategies – combining Gifting Plans (the 7-year rule) and Term Life Assurance in Trust to provide tax-free liquidity for your IHT bill.

Since every individual’s circumstance is unique, we strongly encourage you to get in touch to discuss your specific situation and explore how our multidisciplinary expertise can support your planning needs.

The information contained in this article is based on the opinion of Hive Business and does not constitute formal tax advice. Any tax outcomes will be based on individual circumstances, tax legislation and regulation, which are subject to change in the future. You should seek specific advice before embarking on any course of action. Hive Business does not provide regulated Financial Advice, including advice on investment, insurance or lending products or their suitability for you. This article is provided for information only and does not constitute, and should not be interpreted as, investment advice or a recommendation to buy, sell or otherwise transact, or not transact, in any investment including Bitcoin and other crypto. Any use you wish to make of any information contained within this article is, therefore, entirely at your own risk.

By Simon Vincent Tax Director
If you have any questions or comments about this article, please get in touch.
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