Protect Your Family Home
For most people, their family home is their greatest asset. Without a clear home protection plan, it could be at risk of being sold to cover future care home fees or unexpected liabilities.
A Property Protection Trust (PPT), sometimes called a home protection trust or home protection scheme, helps you safeguard your share of the property. It gives you control over how it’s managed during your lifetime and who inherits it after your death — offering long-term security and peace of mind for your loved ones.
Why Choose a Home Protection Trust?
A well-structured property protection trust ensures that:
- Your share of the property is ringfenced from risks such as divorce, creditors, or bankruptcy
- Trustees — often family members or advisers — can manage the property if you become unable to do so
- It works alongside a Lasting Power of Attorney for joined-up decision-making if you lose mental capacity
- You have peace of mind knowing your protection plan secures the future of your estate
How Home Protection Trusts Work
When you set up a home protection trust, your share of the property is placed into a life interest trust:
- You (and/or your spouse) retain the right to live in the family home for life
- Trustees can manage the property on your behalf, helping if you’re unable to work due to illness or injury or later when you reach state pension age
- Proper planning helps limit exposure to local authority care assessments and care home fees
- Our experts also consider potential capital gains tax and inheritance tax implications to ensure the trust is structured correctly
Because rules around deprivation of assets and inheritance tax are complex, we strongly recommend seeking tailored legal advice before creating a trust.
THE BEST IN THE BUSINESS.
Our estate planning specialists are experienced in property protection trusts, helping families across England and Wales secure their homes for the next generation. Whether it’s part of your will, estate planning, or wider insurance covers such as life insurance or income protection insurance, we’ll ensure your arrangements meet your long-term goals.
Russell Kaminski
Partner and Head of Private Client
Lottie Procter
Trainee Solicitor
Lucy Cresswell
Associate
Alison Rocca
Partner
Jason Stanley
Partner
Holly Greensmith
Solicitor
Mark Dawson
Chief Executive Officer
Amanda McAlister
Head of Group Consumer Brands
Because We Are Here To Help You
Safeguard your home, protect your loved ones, and plan confidently for the future with a tailored home protection trust.
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