Estate Planning
Making decisions for the future is about care, responsibility, and reassurance. We can help you create an estate plan that secures your wishes and protects the people who matter most.
What Is Estate Planning?
Estate planning is the process of setting out what will happen to your assets, responsibilities, and decisions if you pass away or become unable to manage them yourself. It covers both financial and personal matters, from protecting property and savings to ensuring your family can make decisions on your behalf when necessary.
With the right plan, you can:
Safeguard your home and assets for the people you choose
Reduce stress and conflict for your family during difficult times
Ensure your wishes are respected both legally and personally
Create tax-efficient arrangements that preserve more of your estate
Through our in-house estate planning arm, Aspect Lifetime Services, we provide clear and supportive guidance on wills, trusts, lasting powers of attorney, and related arrangements. We explain your options step by step so you can make confident decisions and put legally sound plans in place.
Our Estate Planning Services
Wills
A will makes sure your estate is distributed according to your wishes rather than leaving the decision to the courts. We guide you through writing a will that covers your property, finances, personal items, and guardianship decisions.
Trusts
Trusts can protect assets for children, dependants, or future generations, and they can also provide tax benefits and flexibility. We help you understand if a trust is right for your circumstances and make sure it is set up properly.
Lasting Powers of Attorney (LPA)
An LPA allows someone you trust to make decisions on your behalf if you are unable to do so. This can cover financial matters, health, and care. We explain how LPAs work, who can act for you, and how they are registered.
Guidance From An Experienced Team
Aspect Mortgages believes estate planning should be personal and practical. Our advice is led by Rachel, a member of the Institute of Professional Willwriters (IPW), which means every recommendation follows strict professional standards. You benefit from knowledge built over many years, combined with an approach that respects your family and your future.
We take time to listen to what matters to you and explain each step clearly. By the end of the process, you have arrangements that reflect your wishes, are legally sound, and are trusted to protect the people who matter most.
What Our Clients Say About Aspect Mortgages
Get the right advice — and the confidence that comes with it
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Fees
There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £495 for a residential/buy to let mortgage or £1495 for an equity release/retirement mortgage.
Important Information
Aspect Mortgages Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference 305352. The FCA do not regulate Business Buy to Let Mortgages or Estate Planning.
As independent advisers we have access to the whole market, except for deals that you can only obtain by going direct to a lender. Registered in England and Wales No: 051013801. 16 St Thomas' Road, Chorley, PR7 1HR.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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