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Managed by Zenzic Capital

Zenzic Estate Planning Service.

The Zenzic Estate Planning Service (ZEPS) is an Inheritance Tax (IHT) planning solution designed for professional investors seeking to reduce IHT exposure while investing in a secured, income-generating portfolio.

ZEPS invests in shares that aim to qualify for Business Relief (BR), allowing for up to 100% IHT exemption after a two-year holding period.

Download offering documents → Speak to the team
Key facts
  • Minimum investment£25,000
  • IHT/BR Qualifying100% after holding for 2 years
  • Target Annual Return5-6%
Overview Terms & Fees Documents
i. Overview

About Zenzic Capital

Zenzic Capital, which undertakes the underlying lending in ZEPS, is a specialist real estate lender with c.£300m AUM, having advised on over $2bn of real estate transactions to date.

  • Over £125m deployed into secured UK real estate loans
  • Portfolio Gross Development Value (GDV) of £175m and growing
  • Senior team with institutional experience across firms such as CQS, DRC, East Lodge, Barclays and Brookfield

Key features of ZEPS

  • Secured lending: All loans are backed by UK property, providing downside protection
  • Proven track record: Delivering 5.45% p.a. net returns to investors since launch in 2020, with zero capital losses on any deal since Zenzic was founded in 2014
  • ZEPS invests in unquoted companies that aim to qualify for Business Relief (BR), allowing for up to 100% IHT exemption after a two-year holding period
  • Aligned fee structure: No management fee unless the target return of 6% p.a. is met
  • Multiple portfolio options: Investors can choose between a Growth, Income or Blended strategy

Source: All data from Zenzic Capital as at 30/06/2026.

Have a client question?

Our team can help with product information, availability and how Zenzic sits alongside other BR products in your matrix.

Contact the team →
ii. Terms & fees
Portfolio Options
Growth Strategy
Income Strategy
Blended Strategy
Minimum Investment
£25,000 (after any initial adviser fees)
Initial Charge
Growth Strategy: 0%
Income Strategy: 1% (one-off)
Annual Management Charge
2%Applies only after Target Base Return of 6% is met
v. Documents & downloads
PDF
ZEPS Application Form
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PDF
ZEPS Top Up Application Form
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PDF
ZEPS Trust Form
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PDF
ZEPS Teaser
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PDF
Why ZEPS
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PDF
ZEPS Newsletter
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Discussing ZEPS with a client?

Our team can provide adviser materials, up-to-date fund status and help you compare Zenzic against other options in the BR/IHT matrix.

Contact the team →