Lasting Power of Attorney

Lasting Powers of Attorney

LPAs – who will step in if you cannot?

Lasting Powers of Attorney let you choose trusted people to make decisions and handle practical things if you lose capacity in future – covering both money and property, and your health, care and day‑to‑day life.

Property & Financial Affairs LPA

A Property & Financial Affairs LPA lets you appoint one or more attorneys to look after your money, bills and property if you become unable to manage them yourself, either temporarily or long‑term.

Your attorneys can deal with banks, pensions, investments and property in line with your wishes, keeping everything running smoothly so that mortgage payments, utilities and everyday expenses are not missed.

Deal with banks, savings, pensions and investments on your behalf.
Pay regular bills and manage day‑to‑day financial commitments.
Sell or maintain property where needed, following your best interests.

You stay in control while you have capacity – your attorneys step in if and when you can no longer safely manage things yourself, giving family clear legal authority instead of guesswork.

Keeps finances running smoothly Chosen people, not the courts Covers money, property and bills

Watch LPAs explained in 2 minutes

Click below to watch a short BBC video on why a Lasting Power of Attorney is so important:
https://www.youtube.com/watch?v=21d3qvu-Fk

Health & Welfare LPA

A Health & Welfare LPA lets you choose who can make decisions about your medical treatment, care and daily routine if you cannot make those decisions yourself in future.

Your attorneys can speak with doctors and social services, decide where you live and what care you receive, and make day‑to‑day choices about your routine, always aiming to follow your values and preferences.

Decide where you live and what level of care or support you receive.
Be involved in discussions with doctors and medical teams.
Make choices around daily routine, visitors, and personal wellbeing.

This type of LPA only takes effect if you lose capacity – it gives your family clarity and a clear voice when you can no longer speak up for yourself.

Covers health, care and lifestyle Gives family clear authority Works alongside your Will and any trusts

Step 1

Choose your attorneys

Decide who you trust to act – often a spouse, adult children or close friends – and whether they must act together or can act independently. You can also name replacement attorneys in case someone cannot continue.

Step 2

Draft and sign the LPAs

The LPA forms are drafted with your instructions, then signed and witnessed correctly, including a certificate provider who confirms you understand what you are putting in place.

Step 3

The LPAs are sent to the Office of the Public Guardian for registration. Once registered, they are ready to be used by your attorneys if and when needed, avoiding delays at a crisis point.

Without LPAs	With LPAs in place
Family may need a lengthy and costly Court of Protection application to manage your finances.	Your chosen attorneys can step in under the Property & Financial LPA, usually much faster and with clearer authority.
Uncertainty over who should make care and treatment decisions on your behalf.	Your Health & Welfare attorneys are clearly appointed, giving doctors and social services a clear point of contact.
Greater risk of frozen accounts, missed bills and practical stress at an already difficult time.	Day‑to‑day finances and care arrangements can continue with less disruption for you and your family.

Not sure which LPAs you need or how they work alongside your Will and any trusts? In a free, no‑obligation chat we will explain your options in plain English and help you decide the right combination for your situation.

Book Free LPA Review Ask an LPA question

This is a general overview, not personal legal, tax or financial advice. Always take tailored advice before putting LPAs in place.

LPAs – who will step in if you cannot?

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