- info@xwills.com
- Serving homeowners across England & Wales
Tier III: The Asset Shield
Strategic estate planning for homeowners. We combine advanced Property Protection Trusts with legal financial authority to shield your share of your home from care fees and secure your family's equity.
For those who want to ensure their biological children are guaranteed their inheritance, regardless of whether a surviving spouse remarries.
Essential for homeowners who wish to legally ring-fence their share of their home against the spiralling costs of late-life social care assessments.
For couples who demand the most robust legal "shield" available in the UK to protect multi-generational family wealth.
This is the foundation of Tier III. By upgrading to Property Protection Trust (PPT) Wills, we legally change how your home is owned to protect your share from external threats and secure your children's future.
For a Property Trust to be valid, you cannot own your home as "Joint Tenants." This pillar involves the formal legal process of changing your ownership status to ensure the Trust Shield can actually be applied to your property title.
The "Choice" element of this tier. This pillar ensures that your finances and the property itself remain manageable by your chosen partner, even if mental capacity is lost.
The Roadmap
Advanced trust planning made simple. Here is how we transition your property ownership into a protected family legacy.
A deep-dive audit of your Land Registry title to confirm equity status and ensure the legal foundation for your Trust is secure.
Our specialists draft your Property Trust Wills and Financial LPAs, creating the dual shield for your home and your bank accounts.
We handle the formal 'Severance of Tenancy' at the Land Registry, a critical step to enable your home to be held in Trust.
Final documents are registered and moved to our fireproof vault, with lifelong professional support provided for your named Trustees.
When a partner enters long-term care, the Local Authority usually includes the family home in the means-test. A Property Protection Trust legally changes this. By severing the tenancy and placing your 50% share into a Trust, that portion of the house is ring-fenced. It cannot be seized to pay for care fees, ensuring it passes directly to your children.
This occurs when a surviving spouse remarries after your death. Without a Trust, your assets (including the house) could pass to their new spouse and that person’s children, leaving your own children with nothing. The Property & Choice tier creates a legal lock—your share of the home is held for your children, even if your spouse remarries.
If your partner loses capacity and you need to sell the house to downsize or pay for care, you cannot sign the transfer papers on their behalf without a Financial LPA—even if you are a joint owner. This tier ensures you have the legal spare key to unlock the property's equity when you need it most, without the £5,000+ cost of a court order.
A common concern is that a Trust might make the survivor's life difficult. Our Trusts include a guaranteed right of occupation. This means the surviving partner has the absolute legal right to live in the home for the rest of their life, can move house whenever they wish, and retains full control over the property's daily management.
The Asset Shield
Fixed Collection Fee
Collection Includes:
Staged Payment Plan:
20% Non-Refundable Deposit to Start
30% Upon Approval of Initial Drafts
50% On Final Completion & Signing
Subscribe to our newsletter to stay updated with our latest news & articles.
0208 064 3806
info@xwills.com
Tilsop Farm,
Nash,
Ludlow,
Shropshire
SY8 3AX
© 2026 Xwills.com Ltd. All rights reserved.