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Family Investment Company Guide

Take control of your property income and plan for your family's future with a smart Family Investment Company (FIC).

Worried About Tax and Passing on Your Wealth?

If you're a landlord, you probably already know how quickly tax bills can mount up. And when it comes to planning for your family’s future, the numbers can feel overwhelming. That’s where a Family Investment Company comes in.

A FIC is a private company made up of family members as shareholders. It lets you keep control of your investments while gradually passing on wealth in a tax-efficient way. With the right structure, you can reduce your Inheritance Tax exposure, retain mortgage interest relief, and plan your legacy on your terms.

What We Can Help You With

We’ll show you how to use a FIC to pass on assets without a hefty tax bill. Our tailored approach ensures your wealth ends up with your loved ones.

Unlike personally owned properties, a FIC still qualifies for full mortgage interest relief. That means more of your rental income stays in your pocket.

FICs are taxed at the lower Corporation Tax rate (currently 19% on profits up to £50,000). It’s one of the most efficient ways to manage property income.

You choose when and how to take dividends. Shareholders in lower tax brackets can receive income tax-efficiently. It’s all about keeping it in the family.

We help set up shareholder agreements that protect your family’s interests. Keep control, avoid disputes, and make sure assets stay within the bloodline.

Trusted by hundreds of landlords across the UK.

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Smiling couple reviewing documents at home, planning a family investment limited company.

Why Work With Us?

  • Save on Taxes: Many clients save over £1 million in Inheritance Tax alone.
  • Stay in Control: Keep full control of your investments while planning for the future.
  • Cut Income Tax as a Family: Share income wisely and save as a household.
  • Tried and Tested: We’ve helped hundreds of landlords achieve peace of mind.

Real Results: Tom and Amy’s Story

Tom (41) and Amy (43) have two young kids and a property portfolio. They wanted to secure their children’s future without giving up access to income they still needed. We helped them set up a FIC.

They used a mix of £600,000 in commercial mortgages and £400,000 in personal loans to the FIC to acquire £1 million worth of property. The kids received special "freezer shares," meaning the future growth in value would benefit them, not Tom and Amy's estates.

Here’s the difference it made:
If Tom and Amy had owned the properties personally, their IHT bill could have been £1.2 million. With the FIC, they reduced it to £160,000, a saving of £1.04 million. They can still take dividends flexibly, use leftover funds to pay down mortgages, and control every major decision as directors.

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We will only contact you in relation to latest news & updates that we think will be of interest to you. We will not disclose your information to any third party and you can unsubscribe from our database at any time.

Ready to Take the Next Step?

Let’s talk about how a Family Investment Company can work for you. Book your free consultation today and start building a smarter plan for your property income and family future.

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