Will Protect Ltd

02/06/2026

Protecting the family home is a complex issue that cannot be solved with just one financial product.

It’s vital to know the difference between the available types of cover to make sure losing your job doesn’t force you to lose your home.

For example, while redundancy insurance provides the necessary cash flow during a financial shock, it is the legal framework of Lasting Powers of Attorney and professionally set-up Wills that ensures those funds can be managed and that the underlying asset is preserved for the next generation.

Getting the right advise to protect your home and family is incredibly important.
Please read our blog here https://bit.ly/4rTqCDN
Or contact us to discuss the options that are available to you [email protected] or 0345 853 0942

29/05/2026

How do I take over the mortgage on an inherited UK property?

If you wish to keep the home, you will usually need to arrange to remortgage the inherited property into your own name once probate is complete.

This requires passing standard affordability checks. Alternatively, a life insurance policy or mortgage protection insurance might be used to clear the debt entirely.

Read our blog to find out more about inheriting a house with a mortgage https://bit.ly/4c8NJV8

Inheriting a house with a mortgage in the UK? Learn more about the tax shield and Inheritance Tax on mortgaged property.

28/05/2026

Our clients are important to us so feedback like this means a lot.

Contemplating one’s own death is no easy thing, but the Will Protect Team believe that estate planning should be a positive process. It's great to get feedback from our clients that suggests we are doing a good job of this.

Contact us if you would like to discus how we might support you and your family through this process [email protected]

26/05/2026

Protecting the family home is a complex issue that cannot be solved with just one financial product.

It’s vital to know the difference between the available types of cover to make sure losing your job doesn’t force you to lose your home.

For example, while redundancy insurance provides the necessary cash flow during a financial shock, it is the legal framework of Lasting Powers of Attorney and professionally set-up Wills that ensures those funds can be managed and that the underlying asset is preserved for the next generation.

Getting the right advise to protect your home and family is incredibly important.
Please read our blog here https://bit.ly/4rTqCDN
Or contact us to discuss the options that are available to you [email protected] or 0345 853 0942

24/05/2026

Contact us to talk through how we might support you with your estate planning and will writing.

It's great to receive feedback like this as we try to make sure that we approach this often tricky subject in a way that makes our clients feel as comfortable as possible

Get in touch via [email protected] or visit our website to find out more https://bit.ly/3tQZ4G1

23/05/2026

Who is responsible for the mortgage after the homeowner dies?

Losing a loved one is a difficult and emotional time, and we understand that dealing with the “money side” of an estate can feel overwhelming. If you find yourself inheriting a house with a mortgage UK, you might be worried about a surprise tax bill or how to manage the debt.

When a homeowner dies the executor of the estate is responsible for managing the mortgage until the property is officially transferred to the beneficiary. They must promptly notify the UK lender and ensure payments are maintained using estate funds.

We can offer support and guidance through this process and would be more than happy to have an initial chat with you. Contact us via [email protected] or 0345 853 0942.
Read our blog to find out more on the subject too https://bit.ly/4c8NJV8

Inheriting a house with a mortgage in the UK? Learn more about the tax shield and Inheritance Tax on mortgaged property.

21/05/2026

Many people mistakenly believe that standard mortgage protection insurance covers everything.

However, most standard policies are designed to pay out only if you die or become terminally ill, not if you face a short-term financial problem like losing your job.

It’s vital to know the difference between the available types of cover to make sure losing your job doesn’t force you to lose your home.

Find out more in our blog here https://bit.ly/4rTqCDN
Or contact us to chat through the options open to you [email protected] or 0345 853 0942

20/05/2026

Probate is required in most circumstances, and it’s best to take professional advice to prevent potential problems further along the process of sharing out assets in accordance with a will.

At a time when you’re coming to terms with the loss of a loved one, we can help you by taking on the responsibilities and technicalities of probate so that you can focus on beginning the grieving process and be with your family.

We’ll take care of the administration, any issues that might arise, and advise you on anything that you need to do to move the process on to its successful conclusion.

Please contact us to arrange a chat about the support we can offer you and your family [email protected] or 0345 853 0942. Visit our website https://bit.ly/3MiK5uS

19/05/2026

What happens if you inherit a house that still has a mortgage debt?

If you find yourself inheriting a house with a mortgage UK, you might be worried about a surprise tax bill or how to manage the debt.

But IHT is calculated based on the net value of the estate, not the property’s total market value. So the outstanding mortgage debt and any accrued interest are deducted from the property’s full market value (the “gross value”) to determine the taxable portion of the equity. This deduction can act as a vital “buffer” to potentially reduce or eliminate the 40% IHT charge.

It can feel like quite a complicated subject, and if we would be happy to help guide you through the process and answer any questions. Please contact us on [email protected] or 0345 853 0942.
You can also read our blog to find out more https://bit.ly/4c8NJV8

Inheriting a house with a mortgage in the UK? Learn more about the tax shield and Inheritance Tax on mortgaged property.

17/05/2026

Probate can be a complex process depending on the complexity of the estate, but it can be broken down into a number of key areas that will need consideration and may need action.

1. Identifying all of the assets and liabilities in the estate
2. Verifying and identifying the beneficiaries
3. HM Revenue and Customs
4. Grant of Representation
5. Liquidation of assets
6. Preparation of accounts
7. Transfer of assets

It’s best to take professional advice to find out if probate is required or not to prevent problems further along the process of sharing out the assets in accordance with the will. It can also help to work through the process at a time when you are trying to deal with the loss of a loved one.

Contact us to arrange a chat about how we might support you [email protected] and you could also read our blog to find out more https://bit.ly/3MiK5uS