Protect what you have built
At Loxley Advisory, we build the structures that protect
what you've created, across borders and generations
The Landscape
The fiscal landscape for UK estates has shifted decisively against those who wait. HMRC's inheritance tax take has climbed to a record £8.5bn, the nil-rate band has sat frozen at £325k since 2009, and from April 2027 pensions will join the taxable estate for the first time.
None of this is temporary: thresholds are fixed while asset values keep rising, and each new rule closes another route families once used to plan around it. This is the landscape our estate architecture is built to navigate.
£8.5bn
IHT Receipts, 2025/26
£325k
Frozen Nil-Rate Band
Apr 2027
Pension IHT Deadline
What We Do
Estate Architecture
We design the structural framework that determines how your estate passes to the next generation. Family Investment Companies, trust architecture, gifting, pension integration. We prepare and file every return ourselves.
Cross-Border Planning
For families whose wealth spans the UK, Hong Kong, Dubai, Australia, and New Zealand, we coordinate treaty positions, residency exposure, and offshore structures within a single advisory relationship.
Private Client Advisory
Every engagement begins with a confidential review of your full estate position, led by a senior practitioner from first conversation to ongoing annual review.
Why Loxley Exists
Families with significant wealth and cross-border complexity deserve advisory architecture that matches the scale of what they have built. We are not a generalist practice offering estate planning as one service among many. We are tax architects: we design, build, and maintain the structures that protect family wealth across borders, across generations, and across every regulatory shift between now and succession.