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We've just been gifted a large amount of money unexpectedly - what would you do

8 replies

LighteningSam · 25/07/2019 19:34

So it is large in our terms, perhaps not in others - but we have just been gifted £50,000 by an elderly family member. It was completely unexpected. I have some questions:
First - Will we be taxed on this is the family sadly passed away?

And,
What would we be better thinking of terms of use of this money (could be combination):

  1. paying off part of mortgage - though we can only clear 10% a year (would be about 16k)
  2. Putting it into savings
  3. Investing in much needed improvements on house which should increase house value (would need about £20k)

Thank you

OP posts:
WineGummyBear · 25/07/2019 21:06

That's lovely. I'm not an expert but it's worth finding out how much you would have to pay in inheritance tax of the family member passes away and put that amount in a savings account (afraid it won't get much interest)

After that (and assuming you are able to cover your current mortgage payments without difficulty) I'd go for#3. Enjoy!

moreismore · 25/07/2019 21:11

I believe you can gift £3k a year and backdate by one year. So £6k would be exempt. The remaining balance would be subject to inheritance tax should the family member die in the next 7 years. After that the full sum is tax exempt.

moreismore · 25/07/2019 21:11

I would do 3, then 1 then 2 btw Smile

OhioOhioOhio · 25/07/2019 21:13

How much is left on your mortgage and how much would it cost to change your mortgage agreement to pay 50000 towards it now.

BarbaraofSeville · 26/07/2019 09:50

Inheritence tax is only payable if the estate is worth above about £340k and only if the person giving the money dies within 7 years.

The tax would be payable out the estate, so they would have to pay, not you.

Spending some of the money on home improvements sounds like a good idea.

Whether it is worth paying any off the mortgage depends on the interest rate compared with what you can get in savings.

If your mortgage interest rate is below about 2%, you can get fixed rate savings above this level, or easy access at 1.5% so it might be worth saving the money instead of rushing to pay off your mortgage, although this also depends on what savings you already have, as there is the tax free interest allowance to consider of £1000 pa if you are 20% taxpayers or £500 for 40% taxpayers.

If the tax and mortgage interest situation makes it worth paying off some of your mortgage, you could do some this year and some next year, but check what your mortgage company's definition of a year is, is it calendar year, or within the mortgage year, which will be from the anniversary of when you took it out.

But unless you already have a decent savings pot (say £10-20k) I'd keep some back in savings anyway, but it also goes without saying that if you have any other debt, you should pay this off first, unless it's on a 0% credit card and you can easily afford the repayments.

ListeningQuietly · 26/07/2019 14:04

a) Unsecured debt (cards, overdrafts etc)
b) House improvements
c) mortgage
d) savings

IHT not an issue as you are the recipient

HeyThoughIWalk · 26/07/2019 14:09

Investigate how much it would cost to overpay your mortgage. We did it recently in a similar situation, and it wasn't that much (can't remember the exact figures, sorry) compared to what we were going to be saving in interest payments.

Disfordarkchocolate · 26/07/2019 14:13

I'd set aside the potential tax if not paying this for the estate would mean difficulties. Then, overpay my mortgage 10% and spend 20% on the house. Anything that was left in the savings account. What a nice dilemma to have.

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