The Shield

Property Protection Trust

Your home is likely your most valuable asset and your family's most important legacy. A Property Protection Trust ensures your share is preserved for your children — even as life circumstances change.

How It Works

A Property Protection Trust — also known as a Life Interest Trust — is written into your Will. Upon the first death, the deceased's share of the jointly owned property is held in trust rather than passing outright to the surviving partner.

The surviving partner retains the right to live in the property for the rest of their life (a "life interest"), but the underlying capital value of the deceased's share is preserved for the ultimate beneficiaries — typically the children.

This structure requires the property to be held as "tenants in common" rather than "joint tenants." We handle the severance of the joint tenancy as part of our service, ensuring the legal foundation is correctly established.

The Life Interest Explained:

The Survivor: Retains the right to live in or receive income from the property for life.
The Trust: Holds the deceased's share securely, managed by appointed trustees.
The Beneficiaries: Receive the trust assets upon the survivor's death — your children inherit as you intended.

Is This Right for You?

A Property Protection Trust is particularly suited if you:

Own your home jointly with a partner or spouse
Want to ensure your children inherit your share of the property
Are concerned about your partner remarrying after your death
Wish to protect assets from potential care home fee assessments
Have a blended family with children from different relationships

Key Benefits

01

Shield Your Family Home

Ensures your share of the property is ring-fenced for your chosen beneficiaries — typically your children — while allowing your surviving partner to continue living in the home for the rest of their life.

02

Protection Against Care Home Fees

By placing your share of the property into trust upon death, that share is no longer assessed as part of the survivor's estate when calculating eligibility for local authority care funding.

03

Safeguard Against Remarriage

If your surviving partner remarries or enters a new relationship, your share of the property remains protected for your original beneficiaries — not redirected to a new spouse's family.

04

Bankruptcy Protection

Assets held in a Property Protection Trust are separated from the surviving partner's personal estate, offering a layer of protection if the survivor faces financial difficulties or creditor claims.

Secure Your Family's Future

Begin the process of protecting your most valuable asset today.

Enquire about Trusts