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Secure Your Home, Protect Your Family

If you own a property, a will is essential. Make sure your home and loved ones are legally protected.

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Do you need a will when getting a mortgage?

Why every homeowner should prioritise their Will.

Buying a property is one of life’s biggest milestones — but it’s also one of the most overlooked
moments when it comes to future planning.

If you’re getting a mortgage, remortgaging, or already own your home, you might be asking:

Do I really need a Will just because I’ve bought a house?

The answer is simple: Yes — and here’s why:

Active Mortgages - The UK's Leading Mortgage & Finance Specialists
Active Mortgages - The UK's Leading Mortgage & Finance Specialists

What happens if you don’t have a Will?

Many people assume their assets will naturally pass on to their spouse or children — but the legal reality can be very different.

If you die without a Will (known as dying intestate), the law decides how your assets are distributed. Here’s what could happen without a valid Will:

  • Your partner may receive nothing if you’re not married or in a civil partnership.
  • Your children might inherit before your spouse, which could cause financial strain.
  • Joint bank accounts can be frozen, even if your partner relies on them for bills or mortgage payments.
  • Family disputes and delays can arise, often at the worst possible time.
  • The government, not you, decides who gets what.

Your home is likely your biggest financial asset. Not protecting it with a Will can lead to unnecessary complications, costs, and stress for your loved ones.

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Why every homeowner needs a Will

Whether you’re a first-time buyer or a seasoned property investor, having a Will is the best way to protect your home and your family’s future.

With a Will in place, you can:

  • Clearly define who inherits your property and assets
  • Appoint guardians for your children or dependents
  • Ensure your partner or spouse remains secure
  • Protect your estate from being divided in ways you didn’t intend
  • Potentially reduce inheritance tax liabilities
  • Avoid delays caused by probate or disputes

A Will puts you in control — now and in the future.

When should you create a Will?

The best time to create a Will is as soon as your circumstances change — and buying a property is a major life change.

If you’ve:

  • Purchased your first home
  • Remortgaged or moved to a new property
  • Got married, divorced, or started a new relationship
  • Had children or are planning to start a family
  • Inherited money or assets

…then now is the right time to write or review your Will.
It’s also wise to review your Will every few years to make sure it still reflects your current wishes and circumstances.

How a Will helps you protect your property

A properly structured Will can also help safeguard your share of a property if:

  • You own with a partner and want your portion to go to your children
  • You want to protect your estate from care fees or third-party claims
  • You’ve contributed more financially and want to reflect that in how your home is passed on

In addition, it can work alongside legal structures such as Property Trusts or Severance of Tenancy to ensure your property is protected exactly how you want.

Getting a mortgage is the perfect time to get a Will

Many people delay writing a Will because they think they’re too young, too healthy, or “not ready”.

But the reality is: life is unpredictable.

The process of buying a home naturally involves paperwork, planning, and financial decisions. It’s the perfect opportunity to put your future affairs in order at the same time.

At Active Mortgages, we make it simple for you to sort your Will alongside your mortgage — saving you time, hassle, and future uncertainty

Talk to us — and protect what matters most

  • Protect your property
  • Make sure your loved ones are looked after
  • Avoid stress, delays, and legal disputes

We don’t just help you get the best mortgage. We help you build a secure future — for yourself and the people you love.

By speaking to one of our advisers, you can easily get started on creating a Will that reflects your wishes, protects your home, and gives your family peace of mind.

Ready to arrange your Will? We’ll guide you through the process and help you take care of the one thing more important than your home: your legacy.

Fill in our enquiry form to arrange a no-obligation chat with one of our expert advisers

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