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Protecting Your Home & Family
Life cover, critical illness, income protection and buildings insurance, explained without jargon.
Services /
Wills & Trusts
Protect whatYou have built.
A mortgage is often the largest commitment a family makes and a will decides what happens to the home if the worst happens. We help you put a will and, where appropriate, trusts in place alongside your mortgage and protection, so your property and the people who depend on you are looked after.
How we help
Wills and trusts work best when they are planned together with your mortgage and life cover rather than as an afterthought. We look at the whole picture and make sure each part supports the others.
01Wills
Set out who inherits your home and savings, appoint executors you trust and name guardians for children, so decisions are not left to the intestacy rules.
02Life cover written in trust
Placing a protection policy in trust can help the payout reach your family more quickly and, in many cases, keep it outside your estate for inheritance tax purposes.
03Property and family trusts
For blended families, second marriages or unequal contributions to a deposit, a trust can protect each person's share of the home for the people they intend.
04Reviewed as life changes
Buying a home, marrying, having children or separating can all change what your will needs to say. We remind you to review it when things change.
Typical scenarios
Illustrative examples of the situations we are asked to help with. They are not accounts of individual clients.
Scenario 01Unmarried couple buying together
Two partners who are not married are buying their first home, with one paying most of the deposit.
We arrange wills alongside the mortgage so each partner's share passes as intended, since unmarried partners do not inherit automatically.Scenario 02A blended family
A couple with children from previous relationships want the surviving partner to stay in the home, with each share eventually passing to their own children.
We introduce wills with a trust that gives the survivor the right to remain while protecting each share for the children.Scenario 03Life cover with a new mortgage
A family taking a larger mortgage puts life cover in place to clear it.
We arrange for the policy to be written in trust, so the payout goes directly to the people it is meant for.Frequently
asked questions
Do I need a will if I am married?
Yes, it is strongly recommended. Without one, the intestacy rules decide who inherits, which may not match your wishes, particularly where there are children or previous relationships.
What happens if my partner and I are not married?
Unmarried partners have no automatic right to inherit under the intestacy rules. A will is the simplest way to make sure your partner is provided for.
What is a trust?
A trust is an arrangement where assets are held by trustees for the benefit of others. It can control who benefits, when and how and is often used for life cover and family property.
How much does it cost?
It depends on what you need. We will confirm any fee in writing before you proceed.
Free guide
Protection and writing cover in trust, explained without jargon.
Arrange a consultation
Tell us about your home and family and we will explain what would help. The first conversation is without obligation.
Will writing, trusts and estate planning are not regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.