Everything you’ve worked hard for, protected for the future
A Trust is a legal arrangement that can help protect what you’ve built, including your home, savings and possessions, so they’re passed on as you intended.
Trusts can help keep property within your family or pass it to the people you have chosen, and safeguard the inheritance of vulnerable beneficiaries. They offer more protection, control and peace of mind than a simple Will.
Tailored Trusts We Can Help You With
We offer a range of Trusts tailored to different family situations. Each serves a specific purpose, but all are designed to give you greater control, more robust protection, and reassurance that your estate is passed on as you intended, so what you’ve worked hard for stays with those who matter most.
Property Protection Trust
Designed to protect your share of the family home, generally 50%, and ring-fence it for your chosen beneficiaries. It helps protect children and beneficiaries from being disinherited if a surviving spouse or partner remarries, and from third-party and financial risks such as a beneficiary’s divorce, bankruptcy or financial hardship. The survivor can still live in the home and benefit from the assets during their lifetime.
Family Asset Protection Trust
A lifetime trust that can ring-fence the full value of your home or other assets, while you keep control as a trustee, so they pass to your children or chosen beneficiaries. It helps protect against the risks of a surviving partner remarrying, and third-party and financial claims such as a beneficiary’s divorce, bankruptcy or financial hardship. Property held in the Trust can pass outside probate, which can save time, cost and stress.
Discretionary Trust
Gives flexibility and protection for a range of beneficiaries, such as children, disabled beneficiaries, those facing relationship or financial risks like divorce or debt, or those not yet ready to manage money. Their inheritance is managed responsibly at the discretion of the appointed Trustees.
Vulnerable Persons Trust
Protects assets for beneficiaries with a disability or additional needs, making sure funds are managed responsibly. It can offer tax advantages and is designed so an inheritance need not affect means-tested benefits such as Universal Credit, Housing Benefit, ESA, Pension Credit, Income Support and Council Tax Support.
Immediate Post-Death Interest (IPDI) Trust
Gives a surviving spouse or partner the right to live in the family home or benefit from assets for life, while protecting the remaining value for chosen beneficiaries, such as children. A balance between present care and future inheritance.
Common Intention Trust
Clarifies ownership where a property is shared, so each person’s intentions and financial contributions are recorded and protected, including where there is a second property. It sets out each person’s share, helps avoid disputes if the relationship changes or ends, and can record the shares intended from the date the property was bought.
Why A Trust Could Be Right For You
- A secure way to help protect your home and savings, so they stay within your family
- Helps your loved ones avoid delays, stress and complications in the future
- Protection for young or vulnerable beneficiaries, in a secure and carefully managed way
- Greater control over how your assets are managed and passed on
The right Trust, and what it can achieve, depends on how you own your home, your family circumstances, timing and current law. We’ll explain the options, benefits and any limitations clearly before you decide.
Not sure which Trust, if any, is right for your family? Let’s talk it through.
Book Your Free ConsultationWhat is a Property Protection Trust?
A trust written into your Will that ring-fences your share of the family home, usually 50%, for your chosen beneficiaries, typically your children. It helps protect against “sideways disinheritance”, for example if a surviving partner remarries, as well as certain third-party claims.
Do I lose control of my home if I put it into a Trust?
With a Property Protection Trust in your Will, nothing changes during your lifetime. You can still live in your home, move or downsize. With a lifetime trust, you can usually act as a trustee and continue living in your home. We’ll explain exactly how control works for your circumstances.
Can a Trust reduce inheritance tax?
Trusts can form part of wider inheritance tax planning, depending on the value of your estate and your circumstances. We’ll explain how allowances such as the nil-rate band and residence nil-rate band apply to you.
Is a Trust the same as a simple Will?
No.
- A simple Will only takes effect on death and passes assets outright, with no added protection.
- A Property Protection Trust Will ring-fences your share of the home, usually 50%, after the first death.
- A Family Asset Protection Trust (a lifetime trust) can hold your whole home and other assets in trust during your lifetime.