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Protective Property Trusts

protective property trust

Many people have concerns that their homes may be used to fund care costs in later life.  A Protective Property Trust (PPT) can help you protect your home and ensure it is passed on to those you care about.

How Does it Work?

Most couples own their house jointly, meaning that it passes to their spouse on first death and their children or beneficiaries on second death.  Severing the tenancy of the property means that each partner owns a 50% share as 'tenants in common'.  The will is written 'in trust' so upon first death, instead of leaving the share of the property to the surviving spouse, the assets are held in trust for the beneficiaries of the will.  The surviving spouse has a 'life interest' or right of occupancy' and can live for life, or substitute it for another one.

Care Fees Benefit

If either partner needs care in the future, they only have interest in half the home, so 50% is immediately protected.

The deceased's share also cannot be used to fund care costs for the survivor.  it is the most affordable was of helping you protect your home.


Should the survivor re-marry, the deceased's share cannot pass to another family.  It is protected for their chosen beneficiaries.

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A Lasting Power of Attorney will  give you peace of mind that you have taken care of the things that matter most to you.

Family Protection Trust

Family Asset Protection Trusts

The Family Asset Protection Trust (FAPT) has many advantages and ways of protecting your family's future.

Will Trusts

Will Trusts

With professional planning advice you can add a range of Will Trusts to your Will in order to protect those people you care about.

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