Property Protection Trusts
Protect your share of the family home for your children and beneficiaries.
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A property protection trust ensures that your share of the family home is protected for your children or chosen beneficiaries, rather than being used to fund a surviving partner's care home fees, passing to a new partner, or being lost through other circumstances.
How It Works
- Your share of the property is held in trust on your death
- Your partner can continue living in the property for their lifetime
- On your partner's death (or if they move into care), your share passes to your chosen beneficiaries
- Your share is protected from your partner's care fees, creditors or a new partner
Who Needs This?
- Homeowning couples who want to protect their children's inheritance
- Couples where one partner has children from a previous relationship
- Anyone concerned about care home fees depleting the family home
- Property owners wanting to prevent sideways disinheritance
Frequently Asked Questions
Can my partner still live in the home?
Yes. A property protection trust gives your partner a life interest, the right to live in the property for the rest of their life. Your share only passes to your beneficiaries after your partner no longer needs it.
Do we need to own the property as tenants in common?
Yes. To use a property protection trust, the property typically needs to be held as tenants in common rather than joint tenants. We can arrange the severance of the joint tenancy as part of the process.
Ready to Get Started?
Speak with one of our expert advisers today, initial consultation at our expense, and without obligation.