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Forecasts predict the annual haul will continue to rise year on year, reaching £7bn by 2023. </p> <p>Rising property prices mean more and more middle-class families, with almost all of their personal wealth tied up in the family home, are falling into the tax net originally designed for the super-rich.</p> <p>Perversely, it’s now the wealthiest, who have greater access to advice and more assets outside of the family home they can move around easily, who pay a lower effective rate of tax on legacies they pass down. </p> <p>It is one of the main reasons why <a href="https://web.archive.org/web/20200131022026/https://www.telegraph.co.uk/tax/inheritance/australia-scrapped-inheritance-tax-40-years-ago-did-work/">Telegraph Money </a>reader Peter Hollick used a legal loophole to rewrite his late father’s will to divert a seven-figure inheritance into a trust fund for his children and grandchildren. </p> </div> </div> </div> <div class="htmlEmbed section"><div class="html-embed component "> <div class="component-content"> <aside id="b208d8e9-3cce-4bf3-b1b1-0db8b545803d" data-data-uri="https://particle-api.eip.telegraph.co.uk/particles/b208d8e9-3cce-4bf3-b1b1-0db8b545803d" data-html-uri="https://cf-particle-html.eip.telegraph.co.uk/b208d8e9-3cce-4bf3-b1b1-0db8b545803d.html" class="tmg-particle grid" data-reg-required="false" data-reg-redirect="" data-sub-required="false" data-sub-redirect="" data-widget-type="grid" data-widget-title="Tax hacks | Read more of Mike Warburton's tips and tricks" data-widget-size="responsive" data-widget-static="false" data-expandable="true" data-embeddable="true"><a title="Tax hacks | Read more of Mike Warburton's tips and tricks" href="https://web.archive.org/web/20200131022026/https://cf-particle-html.eip.telegraph.co.uk/b208d8e9-3cce-4bf3-b1b1-0db8b545803d.html">Tax hacks | Read more of Mike Warburton's tips and tricks</a></aside><script src="https://web.archive.org/web/20200131022026js_/https://cf.eip.telegraph.co.uk/particle-embed/js/particle.js" defer></script> </div> </div> </div> <div class="articleBodyText section"> <div class="article-body-text component "> <div class="component-content"> <p><span class="m_first-letter m_first-letter--flagged">T</span>he sole beneficiary of his father’s fortune, Mr Hollick was saved from at least £400,000 in death taxes.</p> </div> </div> </div> <div class="dynamicMpu section"> <div id="advert_tmg_dyn_0" class="js-advert advert " data-adtype="dyn_0"></div> </div> <div class="articleBodyText section"> <div class="article-body-text component "> <div class="component-content"> <p><span class="m_first-letter m_first-letter--flagged">H</span>e said it was important for families to be able to preserve the wealth that they have built up over a lifetime as much as possible within the law. </p> <p>“As far as I can tell, you earn money, pay taxes, save it, pay tax on interest, and if you sell investments you pay taxes again. You’re taxed three or four times over your life and then once again after your death.”</p> <p>“I wasn’t in dire need of the money and I wanted my family to benefit, while retaining some control over the funds, without almost half of it being lost to HM Revenue & Customs,” he said. </p> <p>Under the guidance of his financial adviser, Edward Froggatt of Raymond James, Mr Hollick used a deed of variation (<a href="https://web.archive.org/web/20200131022026/https://www.telegraph.co.uk/tax/inheritance/inheritance-tax-rules-making-housing-crisis-even-worse/">DOV</a>) to amend his father’s will. </p> <p>The legal device allows you to make alterations to someone's final wishes within two years of their death, as long as you can argue it would have been in line with the wishes and best interests of the deceased. The loophole can be used even if there is no will left behind. </p> <p>It means Mr Hollick can access money held within the trust and still retains financial control, allowing him to change who will ultimately benefit and by how much. </p> </div> </div> </div> <div class="htmlEmbed section"><div class="html-embed component "> <div class="component-content"> <aside id="3768be07-5f8a-4fee-9ba0-6cfa37fb8b4b" data-data-uri="https://particle-api.eip.telegraph.co.uk/particles/3768be07-5f8a-4fee-9ba0-6cfa37fb8b4b" data-html-uri="https://cf-particle-html.eip.telegraph.co.uk/3768be07-5f8a-4fee-9ba0-6cfa37fb8b4b.html" class="tmg-particle breakout-box" data-reg-required="false" data-reg-redirect="" data-sub-required="false" data-sub-redirect="" data-widget-type="breakout-box" data-widget-title="How the Inheritance Tax take has soared" data-widget-size="responsive" data-widget-static="false" data-expandable="true" data-embeddable="true"><a title="How the Inheritance Tax take has soared" href="https://web.archive.org/web/20200131022026/https://cf-particle-html.eip.telegraph.co.uk/3768be07-5f8a-4fee-9ba0-6cfa37fb8b4b.html">How the Inheritance Tax take has soared</a></aside><script src="https://web.archive.org/web/20200131022026js_/https://cf.eip.telegraph.co.uk/particle-embed/js/particle.js" defer></script> </div> </div> </div> <div class="articleBodyText section"> <div class="article-body-text component "> <div class="component-content"> <h3>What are the rules? </h3> <p><span class="m_first-letter">T</span>he most important thing to remember is that there is a two-year window. Any deed of variation must be drawn up within 24 months of the death of the deceased, and must be signed by all the executors and beneficiaries of the estate in order to be valid.</p> </div> </div> </div> <div class="dynamicMpu section"> <div id="advert_tmg_dyn_1" class="js-advert advert " data-adtype="dyn_1"></div> </div> <div class="articleBodyText section"> <div class="article-body-text component "> <div class="component-content"> <p><span class="m_first-letter m_first-letter--flagged">P</span>rovided that everyone else involved agrees, you can redirect your inheritance to anyone you wish, even if they are not named in the deceased’s will.</p> <p>IHT is due at a rate of 40pc on estates in excess of £325,000 – the<a href="https://web.archive.org/web/20200131022026/https://www.telegraph.co.uk/money/consumer-affairs/daughter-whose-inheritance-cut-10000-100-loses-high-court-battle/"> standard exempt amount</a> for every estate. </p> <p>Families can also claim extra protection via the “family home allowance”, also known as the “main residence nil rate band”, which exempts an additional £150,000 from taxation if you pass on your main home to direct descendants. In the new tax year, the extra relief will increase to £175,000, allowing spouses and civil partners, who can combine their allowances, to pass on up to £1m tax-free. </p> <p>Unmarried individuals with no children, however, will only benefit from the standard allowance, not changed since 2009. </p> <p>Had the exempt amount kept pace with inflation, today it would stand closer to £425,000. </p> <h5><em><strong>Would you consider rewriting a will to avoid paying inheritance tax? Share your thoughts in the comments below</strong></em></h5> </div> </div> </div> </article> <div class="listOfTags section"> <aside class="list-of-tags component "> <div class="js-settings" data-limit="20"></div> <div class="component-content"> <h3 class="list-of-tags__title">Related Topics</h3> <ul class="list-of-tags__list"> <li class="list-of-tags__item" aria-hidden="false"> <a class="list-of-tags__link" href="/web/20200131022026/https://www.telegraph.co.uk/hm-revenue-customs/">HM Revenue & Customs</a> </li> <li class="list-of-tags__item" aria-hidden="false"> <a class="list-of-tags__link" href="/web/20200131022026/https://www.telegraph.co.uk/inheritance-tax/">Inheritance tax</a> </li> <li class="list-of-tags__item" aria-hidden="true"> <a href="#" class="list-of-tags__show-more">Show more</a> </li> </ul> </div> </aside> </div> <aside class="social-block block-heading" aria-label="Share this article"> <div class="social-block__share"> <div class="social-share" 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style="padding-bottom:62.19%;" data-asset-type="article"> <noscript> <img src="/web/20200131022026im_/https://www.telegraph.co.uk/content/dam/pensions-retirement/2019/10/22/piggybank_flying-01-small_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpg" alt="Illustration of pig flying with coins" width="320" height="199" class="responsive-image--fallback"/> </noscript> </div> </a> <div class="list-of-entities__item-body"> <span class="m_meta-property"> <time class="m_meta-property__date" title="30 Jan 2020, 3:12pm" datetime="2020-01-30T03:12:24" itemprop="datePublished" pubdate> <span class="m_meta-property__date-date">30 Jan 2020</span><span class="m_meta-property__date-separator">,</span> <span class="m_meta-property__date-time">3:12pm</span> </time> </span> <h3 class="list-of-entities__item-body-headline"> <a href="/web/20200131022026/https://www.telegraph.co.uk/pensions-retirement/annuities/savers-use-pension-freedoms-take-record-94bn-cash/">Savers use 'pension freedoms' to take out record £9.4bn in cash</a> </h3> <span class="premium-label">Premium</span> </div> </div> </li> <li class="list-of-entities__item comment premium" data-timestamp="1580393554095"> <div class="list-of-entities__item-link"> <a href="/web/20200131022026/https://www.telegraph.co.uk/investing/funds/woodford-investors-have-paid-someone-elses-failure-time-fight/" class="list-of-entities__item-image-container" tabindex="-1"> <div class="responsive-image list-of-entities__item-image " data-width="320" data-height="199" data-alt="Comment: Neil Woodford" data-frz-ratio="1.60" data-src="/web/20200131022026oe_/https://www.telegraph.co.uk/content/dam/investing/2020/01/30/TELEMMGLPICT000030618901-small_trans_NvBQzQNjv4BqpVlberWd9EgFPZtcLiMQfyf2A9a6I9YchsjMeADBa08.jpeg" 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style="padding-bottom:62.19%;" data-asset-type="article"> <noscript> <img src="/web/20200131022026im_/https://www.telegraph.co.uk/content/dam/investing/2020/01/30/TELEMMGLPICT000030618901-small_trans_NvBQzQNjv4BqpVlberWd9EgFPZtcLiMQfyf2A9a6I9YchsjMeADBa08.jpeg" alt="Neil Woodford" width="320" height="199" class="responsive-image--fallback"/> </noscript> </div> </a> <div class="list-of-entities__item-body"> <span class="m_meta-property"> <time class="m_meta-property__date" title="30 Jan 2020, 2:12pm" datetime="2020-01-30T02:12:34" itemprop="datePublished" pubdate> <span class="m_meta-property__date-date">30 Jan 2020</span><span class="m_meta-property__date-separator">,</span> <span class="m_meta-property__date-time">2:12pm</span> </time> </span> <h3 class="list-of-entities__item-body-headline"> <a href="/web/20200131022026/https://www.telegraph.co.uk/investing/funds/woodford-investors-have-paid-someone-elses-failure-time-fight/"><span class="sr-only">Comment: </span>Woodford investors have paid £10m for someone else's failure – it's time to fight back against the 'star' manager</a> </h3> <div class="list-of-entities__item-author-name"> Taha Lokhandwala </div> <span class="premium-label">Premium</span> </div> <div class="list-of-entities__item-author-image"> <div class="list-of-entities__item-author-image-container"> <img class="responsive-image " width="320" height="320" data-frz-ratio="1.00" src="/web/20200131022026im_/https://www.telegraph.co.uk/content/dam/Author%20photos/taha_lokhandwala-small.png" 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Here are five reasons why you might need to</a> </h3> </div> </div> </li> <li class="list-of-entities__item comment premium" data-timestamp="1580377551487"> <div class="list-of-entities__item-link"> <a href="/web/20200131022026/https://www.telegraph.co.uk/tax/return/tax-return-tips-how-complete-2018-19-income-self-employed-hmrc/" class="list-of-entities__item-image-container" tabindex="-1"> <div class="responsive-image list-of-entities__item-image " data-width="320" data-height="199" data-alt="Comment: Your step-by-step guide to filling out your 2018-19 tax return" data-frz-ratio="1.60" data-src="/web/20200131022026oe_/https://www.telegraph.co.uk/content/dam/tax/2019/12/17/TELEMMGLPICT000218441086-small_trans_NvBQzQNjv4BqoNNSexKcI53-HHJW8z5oHENNw5DSvP8yooNkqXrSuVo.jpeg" 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