- 128 City Road, London, United Kingdom, EC1V 2NX
- enquiries@wingateaccountants.co.uk
- 01615314179
Practical, compliant planning to reduce the Inheritance Tax your family will pay. We review your estate, model the tax and recommend clear steps, including planning for the 2026 relief cap and pensions entering IHT from April 2027.
If your estate, including your home, pensions and business interests, may exceed the available allowances, planning can make a significant difference.
Property values often push estates above the nil-rate bands.
The new £2.5 million cap on Business Relief affects many family companies.
Unused pensions are expected to be subject to IHT from April 2027.
Agricultural Relief is now capped, with 50% relief above £2.5 million.
Making gifts tax-efficiently and keeping the right records.
Long-term UK residence rules replaced domicile for IHT from April 2025.
Choose a one-off review or ongoing planning support.
Every estate and trust is different, so we provide a written fixed-fee quote after a free initial consultation. All quotes include VAT.
We focus on mainstream, transparent planning. We do not recommend aggressive schemes.
We learn about your family, assets, wishes and existing wills.
We calculate your current and future IHT position.
You receive a clear written plan with estimated savings.
We coordinate with your solicitor and adviser and review annually.
| Exemption | Amount |
|---|---|
| Annual exemption | £3,000 per tax year (unused amount can be carried forward one year) |
| Small gifts | Up to £250 per person per tax year |
| Wedding or civil partnership gifts | £5,000 from a parent, £2,500 from a grandparent, £1,000 from anyone else |
| Normal expenditure out of income | Unlimited, if regular, from surplus income and not reducing your standard of living |
| Potentially exempt transfers | Outside the estate if you survive 7 years; taper relief may reduce tax after 3 years |
Since 6 April 2026, 100% Business and Agricultural Property Relief applies only to the first £2.5 million of qualifying property, with 50% relief above that. The allowance can be transferred between spouses. From 6 April 2027, most unused pension funds and death benefits are expected to form part of the estate for Inheritance Tax, which can significantly increase the tax for families who relied on pensions to pass on wealth.
We explain the Inheritance Tax effect of your pensions and investments and work alongside your FCA-regulated financial adviser, who can advise on specific products.
Official guidance: Inheritance Tax · Gifts and Inheritance Tax · Business Relief
Transparent pricing, confirmed in writing before any work begins. No hourly charges and no surprises.
Work directly with a qualified accountant who knows your affairs, never a call centre.
Responsive support by phone, email and WhatsApp, with clear advice in plain English.
Experienced with Xero, QuickBooks, FreeAgent and Sage, as well as spreadsheet records.
“Professional and reassuring when dealing with my CGT obligations. I’d definitely use Wingate again.”
“Consistently good service for company accounts. They’re proactive rather than reactive, which makes a big difference.”
“Used Wingate for a CGT submission recently, efficient, knowledgeable, and easy to deal with.”
Share a few details and a qualified accountant will respond with a fixed-fee proposal, usually within one working day. All prices include VAT.
Request your quoteWhatsApp 0161 531 4179
We are Independent firm of chartered Accountants and provide Tax and compliance services to businesses and Individuals. Our purpose is to make a meaningful difference to our clients.
Monday to Friday : 09:00 – 17:00 Saturday & Sunday : Closed
