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IHT house question on death of husband

IHT question here. Husband and wife scenario. Husband dies and has gifted amount of nil rate band to the kids leaving remainder to the wife. Can this be fulfilled legally by either (a) putting children on title for that amount of the house or (b) by adding a mortgage to the property for that amount in favour of children or does the amount have to be given outright at the time? Is there an advantage of one option over the other? And is the proportion for the house dealt with in this way then untouchable for care home or future IHT purposes? I hope that someone knows the answer to this. I have posted this questionon 2 seperate mini forums. Does anyone know where I should properly be asking IHT questions - they seem to pop up on all sorts of forums on here. Many thanks. Fairy

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