Leveraging a Lifetime Mortgage to Gift £1.89M in Living Inheritance

Client Background & Objectives

Referred by a professional introducer, our clients—aged 72 and 73—owned a stunning listed leasehold property in one of London’s most prestigious locations. They wished to release equity from their home to provide a living inheritance to their sons, enabling them to benefit from their estate during their lifetime while also helping to mitigate future inheritance tax liability.

Tailored Lending Strategy & Execution

To structure the best solution, we conducted a thorough fact-finding session, ensuring a deep understanding of the clients’ financial position and objectives. Recognising the urgency to secure a competitive fixed rate before market increases, we acted swiftly.

By collaborating with lenders that impose no loan-to-value reductions for leasehold properties and specialise in high-value, listed assets, we successfully structured a compelling case. This allowed us to negotiate a significantly larger loan at a highly competitive fixed interest rate.

Outcome & Impact

Our strategic approach resulted in securing £1.89M, which the clients gifted as a living inheritance to their sons. This solution not only provided immediate financial support to their family but also helped reduce their inheritance tax liability.

Our Expertise in Bespoke Lending Solutions

At Henry Dannell, we specialise in crafting tailored lending solutions that align with your clients’ financial aspirations. Whether for inheritance tax planning, equity release, or alternative lending strategies, our expert team ensures optimal outcomes through a strategic, client-focused approach.