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Latest News

Residence Nil Rate Band (RNRB).

A new tax-free allowance was announced in the Summer Budget 2015 (the Residence Nil Rate Band) that will take effect on or after 6th April 2017.  Downsizing provisions have yet to be finalised.

There are a lot of myths and misconceptions surrounding this new allowance - please call or view our website pages (not yet updated) for further information - including:

  • everyone has a new allowance of £1M;
  • everyone can pass their home free of tax to their children

You may not get the full allowance (or double the allowance) if:

  1. your estate exceeds £2M
  2. you rent property
  3. you don't leave your property (or proceeds of sale) to the right qualifying people and in the right manner
  4. you are unmarried


Wills & Personal Estate Planning

Almost 70% of adults don’t have a Will.  There are numerous reasons for this including unable to make decisions on beneficiaries or  guardians, not finding someone they can trust with sufficient knowledge or empathy to understand their concerns or even by that making one it will somehow hasten their own demise.

Without a valid Will in place then you have no way of guaranteeing the answers to the following questions:

  1. Who will look after my children?  My parents?  My sibling?  Social Services?

  2. Who will administer my estate once I’ve gone? Someone I don’t know or trust?

  3. Who will inherit my wealth?  How much will the State take?

Ensuring that your children are looked after by people you chose and that your spouse/partner and children and other rightful beneficiaries will inherit the wealth you have created, regardless of what the future may hold, is important.  So is making sure that the value of the family home is protected from hostile creditors or unnecessary Inheritance Tax.

Without professional guidance, much of your hard-earned money might end up in the wrong hands or be lost completely.

Taking professional advice on the drafting of your Will and updating it regularly as your circumstances change is the only way to be sure that your wishes will be known and your family fully safeguarded.

Cornerstone Wills will take the time to understand your circumstances, your concerns and your requirements.  We will listen to you and guide you through the process of creating a valid Will that meets your needs – whether something simple or a more comprehensive solution.  Our Will drafters are STEP qualified and Society of Will Writers qualified so you know that you’re in safe hands.