Property Protection Trust | Safeguard Your Family Home

Retired British couple standing outside their home, symbolising property protection trust for safeguarding family legacy

🏡 Protecting Your Home for the Next Generation: Why Consider a Property Protection Trust?

15 July 2025 / Andrew Upton

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For many of us, our home isn’t just our biggest asset—it’s the heart of our family and a reward for decades of hard work.

That’s why considering a property protection trust is so important for anyone who wants to safeguard their legacy.

We grew up being told to buy property, live within our means, and make sure we weren’t a burden to others.

Now, as we look to the future, it’s only natural to want to pass that legacy on to our children and grandchildren. 👨‍👩‍👧‍👦

But here’s the reality: if you need care in later life, the value of your home can be counted against you.

With a threshold of just £23,250, anyone who owns a house is unlikely to get much, if any, state help.

After a lifetime of doing the right thing, it hardly seems fair.

😟 The Pain of Losing Control Over Your Property Protection Trust

We hear it all the time—clients are worried about their home being sold to pay for care, or their hard-earned savings being eaten up by fees.

There’s a real fear that, despite best intentions, children and grandchildren might inherit far less than hoped.

For many, the idea of their family being left to deal with a complicated, stressful situation is a real concern.

📝 What is a Property Protection Trust?

A Property Protection Trust (PPT) is a legal arrangement that can help safeguard your share of the family home for the next generation.

It’s especially suited for couples who both own the main home as ‘tenants in common’ (we will check to confirm how you currently own your home and help accordingly).

The trust is set up through your wills, allowing each of you to decide what happens to your share of the property if you die first.

⚠️ Why Timing Matters for Setting up a Property Protection Trust

But here’s the catch: a PPT must be arranged while both partners are alive and have mental capacity.

If one of you loses capacity or passes away before the trust is in place, it’s too late to set it up—meaning the opportunity to protect your home could be lost forever.

That’s why acting now, while the going is good, is so important.

🏠 How Does It Work?

Peace of Mind:
A PPT can ensure your share of the home passes to your chosen beneficiaries, even if your partner needs care or remarries.
Protection from Care Fees:
While it’s not a magic bullet, a properly set-up trust can help ringfence part of your property from being counted in care assessments.
Clarity for Families:
Avoids disputes and confusion, especially in blended families or where there are stepchildren.
Keeps You in Control:
You can still live in your home and make decisions as you always have.

🤔 Common Misconceptions

“Isn’t this just for the wealthy?”
Not at all. Most people who own a home can benefit from considering a trust, especially if they want to protect what they’ve worked for.

“Will I lose control of my house?”
No—you remain in charge while you’re alive and able.

💡 Why Take Advice?

DIY solutions and off-the-shelf trusts can be risky.

Every family is different, and a trust that isn’t tailored to your circumstances could cause more harm than good.

At Beacon Advice, we take the time to understand your wishes and explain your options in plain English—no jargon, no pressure.

If you’re considering a Property Protection Trust, it’s also important to understand how severance of tenancy works.

This is often a key step for couples who want to own their home as ‘tenants in common’—a requirement for most PPT arrangements (we will check to confirm how you currently own your home and help accordingly).

🌟 Ready for Peace of Mind?

If you’re worried about protecting your home and securing your family’s future, let’s have a friendly, no-obligation chat.

You’ve worked hard for what you have—let’s make sure it goes to the people you care about most.

👉 Book your Q&A call here

👍 For more great information, don’t forget to like and join our main Facebook page – Beacon Advice!

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