Other Services
Wills
A will records what should happen to your estate, who should deal with it, and who should care for children who depend on you.
Overview
What is wills?
A will is a legal document setting out how your estate should be distributed after your death. It appoints executors to administer the estate, names beneficiaries, and can appoint guardians for children under eighteen.
For a will to be valid in England and Wales it must generally be in writing, signed by you in the presence of two independent witnesses who also sign, and made voluntarily while you have mental capacity. Without a valid will, the rules of intestacy decide who inherits, and that may not reflect your wishes.
Who might this be suitable for?
- Homeowners and anyone with assets to pass on
- Parents wanting to appoint guardians
- Unmarried couples, who have no automatic intestacy rights
- Clients with blended families or business interests
- Anyone whose circumstances have changed since their last will
How Help to Lend can help
- 01We raise the subject as part of wider planning around your mortgage and protection.
- 02We explain how a will interacts with life cover and any trusts.
- 03We refer you to a qualified will writing or legal professional for drafting.
- 04We prompt a review when your circumstances change.
Assessment
What may lenders and providers consider?
Executors
Choose people willing and able to administer your estate, and consider appointing more than one.
Guardianship
Naming guardians for children is one of the most important reasons to make a will.
Types of will
Single, mirror and trust based wills serve different circumstances.
Review triggers
Marriage, divorce, children and significant asset changes all warrant a review.
Criteria vary between providers and can change at any time. Nothing here confirms that a particular lender or insurer will accept an application.
The Process
How we work through it together.
- 01
Understand
We start with a conversation about your circumstances, plans and objectives.
- 02
Assess
We review your position, affordability and mortgage requirements in detail.
- 03
Recommend
We identify suitable mortgage and protection options and explain the reasoning.
- 04
Apply
We prepare and manage the application, liaising with the lender on your behalf.
- 05
Progress
We keep the case moving and keep you informed at every stage.
- 06
Complete
We support you through to completion and remain available afterwards.
FAQs
Frequently asked questions
Related
Related expertise
Speak to an adviser about your circumstances.
We'll explain the options clearly and tell you what to prepare, with no obligation.
- 20+ Years of Advice
- Whole of Market Panel
- Support to Completion