The idea of protecting your interest in your home for the benefit of your family is very appealing.

Depending on your circumstances there are two solutions Complete Wills offer to help protect your house.


Where two or more clients own a property jointly we will ensure that they own the property as ‘tenants in common’ usually 50/50. This means there is an invisible dotted line down the centre of your house with you each owning one half.

In each Will, we create a Protective Property Trust which states that if you die first, your share of the house goes into trust for your children but giving the surviving spouse or partner the right to carry on living in the house. Effectively nothing changes, the survivor still pays the bills and up keep of the house just as before.

When the survivor eventually dies, your share of the house passes to your children in accordance with your Will.

Before they die, if the survivor remarries or goes into long term residential care, your share of the house is safe for your children and cannot be touched by any other party or creditor.

If the survivor wishes to move house then they can do so, the trust moves with them.

BENEFITS – Upon your death, keeps your share of your property in your family no matter what happens to your surviving partner (remarriage, residential care costs etc)


Your home is transferred now, today, into a trust for the benefit of your family. You retain a ‘life Interest’ so you have the right to continue living in the property for your life.

The house is registered at District Land Registry in the names of your Trustees, usually you and your children, although other Trustees can be chosen if you wish.

The Trustees are the ‘baby sitters’ looking after the house and ensuring they act in accordance with your wishes.

Your family are potential beneficiaries of the trust and your Trustees decide when the beneficiaries benefit and from what. This usually happens upon your death.

During your lifetime you can sell and move house.


  • Your House is in the name of your Trustees so no need for probate upon your death in order to administer your house – sell it and invest the sale proceeds.

  • The Trustees can sell the house if needed during your lifetime without the need for a power of attorney, for example if your no longer live there, or you have lost your mental capacity.

  • As an asset, your house is protected so at the time when the Trustees wish to distribute money from the trust, if a beneficiary is financially vulnerable for example going through a divorce, bankruptcy or has an anti-social habit through drink, drugs or gambling, then your Trustees can protect this beneficiaries deemed share from being wasted or lost.

  • If you are not resident in your home then your Trustees can rent your property to create the best financial rewards for you without you having to get involved.

  • Managing Your Home, your Trustees have the legal right to manage and maintain your home on your behalf without the need for a power of attorney

  • When you die your home is not part of your estate, therefore if any claims were made upon your estate your house should not be under threat of loss to your family through such claims.

  • Should you have vulnerable persons as beneficiaries for example disabled children or grandchildren, then upon your death your Trustees can manage such beneficiaries funds without risking them being lost or depriving such beneficiaries of state benefits.

  • The Trust can be used for the inheritance tax planning of the next generation, therefore your children can use the trust to mitigate their own inheritance tax liability.

  • In summary the trust can protect the house, which is usually the bulk of a persons estate, for the benefit of your family through several generations, no matter what issues face your family and beneficiaries.

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