Flexible Loan Trust

The Flexible Loan Trust enables your client to achieve inheritance tax (IHT) savings over time while allowing for continued access to their original capital. All investment growth is outside of their estate from day one and held under trust for a wide class of beneficiaries. Optimum IHT savings can be made where loan withdrawals are taken and spent by your client, because the outstanding loan amount will reduce over time until the whole amount has been repaid.

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Key points

  • Achieve IHT savings over time
  • Gives clients access to their original capital
  • Any investment growth held outside client's taxable estate from day one
  • Joint or single settlements can be made
  • Available in conjunction with the Investment Bond
  • Suitable for clients who wish to retain flexibility and control over who benefits and when
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Scottish Widows Limited. Registered in England and Wales No. 3196171. Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 181655.

Scottish Widows Unit Trust Managers Limited. Registered in England and Wales No. 1629925. Registered Office in the United Kingdom at Charlton Place, Andover, Hampshire SP10 1RE. Tel: 0345 300 2244. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 122129.

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