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The Property Podcast

ASK528: Does this inheritance tax strategy really work? PLUS: Bridging loan vs equity for a first BRR?

The Property Podcast

Rob Bence & Rob Dix

Education, News, Business News, Investing, Business

4.8 • 2.1K Ratings

🗓️ 16 June 2026

⏱️ 8 minutes

🧾️ Download transcript

Summary

Can you gift a property straight into a limited company? And should you use a bridging loan or equity for your first BRR project? Rob & Rob tackle both on this Tuesday’s Ask Rob & Rob. (00:38) Fred’s relative wants to pass him a property to reduce their inheritance tax bill, but can it go directly into his limited company? Rob D explains why that’s probably not a good idea, breaking down the inheritance tax and stamp duty implications of each route. (04:23) Will’s a young investor sitting on an unencumbered property and is itching to do his first BRR project. Should he use a bridging loan or release equity? Rob B explains the one option that gives you far more protection if things don’t go to plan. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest

Transcript

Click on a timestamp to play from that location

0:00.0

Hi, I'm Rob.

0:03.0

And I'm Rob.

0:03.7

And this is Ask Rob and Rob.

0:06.6

Hey everyone, welcome to Ask Robb, Rob, the show where you give us your questions most

0:11.9

at a time, property related, and we do our very best to answer them well.

0:16.8

Let's do that again this week.

0:18.6

But before we do, let's give you a very, very quick reminder of how you can get your question onto the show. Yes, you just have to go to property hub.net slash ask. It really is that simple. That one link will let you submit a written question for our Sunday Times column. Or you can get your beautiful voice on the podcast by leaving us a voice mail. We love it when people do that. And the first person who's done that today is Fred. Hi, Rob and Rob. My name's Fred. Thank you for your help and advice in getting my wife

0:43.1

and I started in our property journey. We currently have one house as a Baitelet in our own names.

0:50.1

We've started a limited company to progress our portfolio. A relative has announced that they are

0:58.5

intending to pass us a property, a converted barn, to avoid inheritance tax, with all the caveats

1:10.3

that the law applies to this.

1:12.8

So my question is, can I get that inherited property signed straight into my limited company,

1:21.1

our limited company, or does it have to go into our own names first?

1:26.3

If it goes into our own names, then we sell it later

1:30.3

on to our limited company. We'll have to pay the stamp duty and all the fees that go with that.

1:36.5

Your advice on this matter would be greatly received. Thank you. Keep up the good work.

1:41.8

Fred, thank you for your question. Now, normal caveat, we are not tax experts.

1:46.2

Very much suggest you speak to a tax expert.

1:49.1

But my understanding is, yes, they could do this, but it's probably not a good idea for them.

1:54.7

So from your question, my understanding is you're not strictly going to be inheriting the property,

1:59.4

as in it is left to you when someone

2:01.1

dies, but they're planning to effectively gift it to you in advance. So they could gift it to you

...

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