Private Client Issues – October 2019

10th October 2019

Welcome to this month’s edition of Private Client Issues, Blake Morgan’s monthly round-up of the topics you may find of interest. Insight and advice on developments affecting private individuals.

The Inheritance Tax impact of Remembering a Charity

Our experts look at the importance of leaving a legacy in your Will to charities and the tax breaks that could apply if it is done correctly.

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A case law update on the licensing of houses in multiple occupation

We examine a case that looks at the licensing of Houses in Multiple Occupation. On 13th August 2019 the Upper Tribunal (Lands Chamber) overturned a refusal of a Rent Repayment Order (‘RRO’) by the First Tier Tribunal. Discover the implications of this.

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Don’t be caught out by the replacement exception rules on SDLT

The Stamp Duty Land Tax rules around the ‘replacement of main residence exception’ are complicated and caught out a mortgage broker, with a complaint against him being upheld. This blog takes a look at the SDLT analysis underlying the decision by the Financial Ombudsman Service.

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How millennials can leave a lasting legacy

Millennials may struggle to donate to charities during their lifetimes, but this does not mean they cannot leave a lasting legacy that helps future generations. Often the best way to do this is by making a Will with a gift to charity in it.

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The Renting Homes (Wales) Act 2019 – It’s here

It’s no secret that the Welsh Government have been embarking on a period of housing law reform. Some of it has come into force and has been in force some time. There is still however the ‘elephant in the room’ which is the Renting Homes (Wales) Act 2016. We look at the reforms in more detail.

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Bank of Mum and Dad, helping a child who also will have a commercial mortgage

In the latest of our “Bank of Mum and Dad” series, our experts take a look at issues arising where parents help a child buy a property when the child is using a bank or building society mortgage.  Stamp duty land tax, income tax, capital gains tax and inheritance tax issues are considered for various structures.

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If you are impacted by any of the above topics or you would like further information on how we can help you, please contact your usual Blake Morgan adviser.

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