Zenzic Estate Planning Service
Investing in shares that aim to qualify for Business Relief
The Zenzic Estate Planning Service (“ZEPS” or the “Service”) gives investors access to established UK real estate lending businesses, offering access to a diversified lending strategy, secured against property assets, aiming for steady, predictable returns.
ZEPS is designed to offer stable returns and qualify for Business Relief (“BR”), helping investors create an efficient estate planning solution for future generations. Investee companies provide secured loans to a wide range of UK, SME, real estate developers, creating a diversified portfolio backed by real property. From 6 April 2026, BR potentially provides 100% Inheritance Tax relief on the first £2.5m of an individual’s qualifying assets, and 50% relief on amounts above this. Some companies quoted on AIM may also qualify for 50% relief.
Growth
or Income
INVESTMENT OPTIONS
ZEPS for Portfolio Planning
Wealth
Today
Estate planning often means giving up ownership and control, but ZEPS lets investors retain both while enjoying their wealth. With a target return of 5% to 6%, income can be taken quarterly or rolled up, offering cash flexibility to cover care fees or other expenses. Rolled up gains may also qualify for business relief and potential exemption from inheritance tax. ZEPS isn’t just for estate planning; it’s a smart, versatile addition to any diversified portfolio.
- Flexible and accessible
- 5% to 6% Target Annual Return
- Enjoying wealth in retirement
ZEPS for Intergenerational Planning
Wealth
Tomorrow
Inheritance tax is a major hurdle for investors focused on securing their family’s future. ZEPS helps overcome this by investing in potential Business Relief–qualifying companies, operating secured lending strategies, aiming to provide relief from inheritance tax. It’s a flexible, tax-efficient way to pass on wealth, turning today’s success into tomorrow’s security.
- Intergenerational tax-efficient transfer
- Potential mitigation of IHT
- Secured lending strategy
ZEPS for New Homeowners
Wealth as
a Legacy
For many investors, impact matters as much as inheritance. ZEPS backs socially meaningful projects, like affordable housing and student accommodation, while maintaining strong collateral protection. Led by Zenzic’s CEO Nadine Buckland, a champion of women in business, ZEPS lends with consideration for broader social outcomes. It’s another way for socially conscious investors to see their wealth at work today, building communities that embody their legacy.
- Helping people climb the property ladder
- Building UK infrastructure
- Leaving a legacy
0%
CAPITAL LOSSES TO DATE
Secured Lending
Diversified
ACROSS GEOGRAPHIES AND SECTORS
Key Features
Stable Growth
Diversified underlying portfolio of loans secured against UK real estate, targeting a 5-6% annual return.
Access & Control
You maintain ownership, access to, and control of your investment. Submit a request to withdraw capital at any time (subject to withdrawal conditions).
Two-year Qualifying Period
Investments should qualify for Business Relief after being held for two years, allowing them to pass on with relief from inheritance tax upon death.
Diversification
The ZEPS underlying loan book is diversified across different geographies and sectors throughout the UK and different counterparties. This helps ZEPS maintain a conservative risk profile.
Operational Liquidity
ZEPS has an underlying loan book of multiple diversified, short-term secured loans. This creates natural liquidity as loans mature over different repayment timelines.
Experienced Team
We have an extensive team of finance and real estate professionals with a strong track record.
News and Insights
Women Leading the Way
Nadine Buckland recently featured in the Women Leading the Way series where she shares how she spotted a gap in
IHT Is Rising, So Is the Need for Estate Planning
HMRC’s fifth consecutive record year for inheritance tax receipts – £8.5bn in 2025/26 – is a useful prompt for advisers
Nadine Buckland, CEO, in City AM
We are so proud to see CEO, Nadine Buckland, featured in City AM, Square Mile and Me section in yesterday’s