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Inheritance tax - how to value a hoarders contents.

32 replies

Oncetwicethreetimesalady · 19/11/2023 16:57

So my dad was on his own since mum died a decade ago, now he has died I have to sort out the house. They always had a lot of stuff but without mum around he’d been buying even more. They lived in an old farmhouse with outbuildings. The property is worth around a million. I honestly didn’t realise he had so much squirrelled away. It’s loads of random antiques and general old stuff Some might be worth a bit of money, maybe occasionally up to £500, some probably not worth anything at all. A lot are charity shop purchases. I’ve checked his ebay and he was paying say £50 for a table that I might have otherwise have thought was worth a lot more. Most things he had for years or there is no record of what was paid. But, I suppose even things of little value can add up if there is enough of them and there is a lot.
My question is, how do I put an accurate value on this all for inheritance tax purposes. It seems to me that it would take months to research what each item was worth because there are hundreds and hundreds of individual things. A professional valuer couldn’t even get to all the things to value them without a lot of trouble rummaging everything out and like I say, it would take forever. I don’t know where to begin. It seems insurmountable at this stage and I just want it to be sorted as simply as possible.

OP posts:
MadameMaxGoesler · 19/11/2023 19:32

My brother and I have just received the grant of probate for our late sister's estate. Her estate is mainly her flat, plus a few assets including the flat contents, minus a few liabilities. Pensions and life insurance fell outside the estate
Because the flat is in London, and because she was unmarried and childless and so only had £325k IHT allowance, we knew IHT would be payable.
Though the flat is worth quite a lot, the flat contents were not valuable, but we paid a chattels valuer to value them so we knew the valuation would stand up with HMRC.
We used Clearance Solutions for the valuation which, as the name suggests, also has a house clearance arm which we could have used. However, my brother is CEO of Freegle, so after I have taken a few things, we'll ship everything else up to him and he'll dispose of it over time on Freegle.

Clearance Solutions | The Property Clearance Specialists

Professional property clearance . We clear houses, flats, offices, attics, gardens, garages. Easy to arrange, eco-friendly & cost effective. 020 7706 7554

https://www.clearancesolutionsltd.co.uk/

whatsappdoc · 19/11/2023 19:37

Thanks @Wineisnottheanswer. I was not aware of that.

completelyclueless1 · 07/11/2025 11:41

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CoastalCalm · 07/11/2025 16:19

You need to consider capital gains if you are renting the house out and it increases in value from probate too

notaweddingdress · 07/11/2025 16:23

I wouldn't give any of it a value and then if you come across something of significant value you can declare it and file a variation of some sort.

This is going to be me and my DP when his parents die - many outbuildings FULL of stuff. We are very close to them as well so it will be such a tough time for my DP (and me to a far lesser extent of course) that this practical task on top of that is going to feel gargantuan.

Good luck OP and I am sorry for your loss

Choconuttolata · 07/11/2025 16:34

We used an auction house for the probate valuation of the contents in my late Aunt's estate. Any decent company that offers a probate valuation that HMRC will accept will do. What you can do as well if you have a mobile phone with AI function is take a picture of any individual items you come across that you think look possibly valuable, select them in the picture then use the AI function to look them up. Often that will bring up similar items for sale that you can compare them against.

barskits · 07/11/2025 16:39

Zombie thread folks.

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