An HPT is a specialist trust which you can set up to help safeguard your home from being sold against your wishes. This can sometimes happen at the end of your life if you need to go into a care home and there are fees to be paid.

With an HPT, you retain control over your property for the rest of your life.

An HPT can be used even when there is a mortgage on your home.

An HPT is reversible. You are free to change your mind whenever you choose and put things back just the way they were before.* (subject to fees)

Why choose us for your HPT?

As already mentioned, a properly set up HPT may help to protect your assets for example if local authorities are seeking funding for care home fees.

HPTs are not appropriate for everyone. They must be set up properly and at the right time in order for you to benefit.

There are other advantages too:

No need for probate
Depending on how the trust needs to be set up it could avoid the expense and possible time delay of probate which may not be necessary if you have an HPT.

Protect assets for your children and grandchildren
Sadly, relationships sometimes fall apart. After divorce or bereavement, be reassured that with an HPT you can safeguard some or all of your children’s inheritance should your new relationship fail.

With an HPT, only named people can inherit. If your children divorce, then you can protect assets so that only they and your grandchildren benefit, not ex-spouses.

Prevent claims against your estate
With an HPT, you can exclude someone from your estate who would otherwise have a claim against your assets. This could be an estranged child, a parent or other relative. With no claim possible, the situation is clear-cut, and lengthy court proceedings and the ensuing costs will not arise.

Minimise inheritance tax
Putting your assets into a trust reduces future generations exposure to inheritance tax.

Protect your assets from bankruptcy
If you run into serious debt, an HPT can help. It won’t prevent you from being declared bankrupt but it may save your assets from being used to pay your creditors. (Please note that it is not possible to do this if you know you may be declared bankrupt in the near future).