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Gift and Loan Trust
Inheritance tax planning with access to your money
Introducing our Gift and Loan Trust
With this trust, you loan the trustees a lump sum, on an interest-free basis. As it’s a loan to the trust, you’ll get unlimited access to the outstanding loan, taking regular or ad hoc payments. The outstanding loan stays inside your estate so is in scope for inheritance tax. However, you won’t need to pay inheritance tax on any investment growth.
Key benefits
The value of your investment can go down as well as up and you may get back less than you invest. Tax rules depend on the type of investment and individual circumstances and may change.
Is it right for me?
This trust could be right for you if:
- You want inheritance tax planning and access to your money
- You want to take regular or ad hoc withdrawals
- You want the option for beneficiaries to receive payments while you’re alive
This trust might not be right for you if:
- You want to access the investment growth
- You want to loan the money for less than five years
Bonds that can be used with this trust
Find out more about the investment bonds that can be used with this trust:
Risks to consider
The value of your investment can go down as well as up and you may get back less than you invest. Tax rules depend on individual circumstances and may change.
This product has won 2 awards.
Also worth knowing
Next steps
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Get a tailored quote for our products from a financial adviser. To find one, visit Unbiased.
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