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Financial planning
The 2025 Guide to UK Inheritance Tax Planning for Expats
If you’re a British expat with global assets, the UK’s shift from a domicile-based to a residency-based Inheritance Tax (IHT) system marks a major change. Whether you're living abroad, planning to return, or navigating cross-border wealth structures, understanding your residency status and IHT exposure is now essential.
This guide explains what’s changing, why it matters, and how you can take advantage of the new rules to protect your wealth and secure your family’s legacy.
What You Will Learn:
- What the 2025 UK inheritance tax reforms mean for British expats — and why the shift from domicile to residency is so significant.
- How long-term residency (LTR) status is triggered — and how it affects your global estate.
- The new 10-year non-residency rule and how to use it to your advantage.
- Which UK assets are always taxable — including property, pensions, and UK shares (even via offshore platforms).
- How upcoming pension changes (from April 2027) could bring your SIPP or QNUPS into the IHT net.
- Why timing matters: how your “IHT runway” determines what actions you should take and when.
- Tax-efficient planning strategies: trusts, gifting, offshore structures, and life insurance.
- How to structure your wealth if you’re staying abroad vs. planning to return to the UK.
- Real-life planning scenarios and case studies showing how expats are reducing or eliminating their IHT exposure.
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