Late Life Planning North

04/04/2026

When I first started working in frontline social work many years ago, it was incredibly rare to meet someone who had reached the remarkable age of 100. I still remember the first woman I met who had achieved this milestone—not only that, but she was still living independently in the community, which was even more unusual at the time.

Fast forward to today, and it’s no longer so uncommon to meet people celebrating their 100th birthday. I recently had the privilege of meeting a client who is 106!!! She is now the oldest client I have ever met.

One of the things I love about social work is spending time with clients, listening to their stories, and learning about the lives they’ve lived. 😊
Society of Later Life Advisers Teesside Dementia Link Services Young At Heart ULO Swinburne Maddison LLP Dementia Action Teesside The British Association of Social Workers

31/03/2026

We’re proud to share that Edwards Commercial Cleaning won The Sustainability Award (SME) at the recent North East Automotive Alliance Awards 2026 🎉

Sponsored by Nissan, this award recognises our commitment to operating responsibly and reducing our environmental impact across the business.

From the products we use to the way we deliver our services, sustainability is embedded into how we work every day.

A big thank you to our team and clients for your continued support.

We’ll be sharing some photos from the event later this week. A hugely proud moment for everyone involved.

31/03/2026

Trustees / Executors Bank Accounts are as rare as Rocking Horse Teeth

We know what you do not!

During our travels through the world of Probate we have discovered many ways of opening a Bank Account so the Executors can drop the house proceeds or investment surrenders into whilst applying for Probate.
Please do not put the moneys belonging to the deceased person onto your bank account.
Talk to me
Probate Pete
Late Life Planning North Ltd
I know what you don’t!!!
Peter

28/03/2026

Can I put my mortgaged property into trust?

If you own a mortgaged property and wish to place this into trust during your lifetime, we will be able to help you achieve this goal.
Ordinarily, Property Trusts must have the Legal Title in the name of the trustees. This means that, for the Trust to be registered correctly, the Legal owner needs to transfer their title to the Trustees.
However, if there is a mortgage on the title, the lender has the ultimate say over any transfer of legal title. They almost always refuse to pass title from the mortgagor to their chosen trustees.
But the mortgage need not stop you from making a Property Trust altogether. A different means of achieving your goal can still be found.
Instead of changing legal title, as is usually the case, settlors of mortgaged properties must keep hold of their legal title. But they can still create a declaration of trust which dictates that their remaining equity (or a proportion of this) is to be held for the trust. Upon sale, the trustees receive their share, very much as they would under a normal Property Trust.
A “restriction” in favour of the trust is made with the Land Registry, with a charge in favour of the trust: much like the mortgage lender’s own charge on the deeds, but in favour of the trust. This keeps the trust’s interest in the sale proceeds securely registered.
This work still needs to be undertaken by a legal professional – everything from the declaration of trust to the restriction on the registered title – so those who do wish to place a trust over their interest in property should seek expert advice and assistance.

If you need a chat about the above just email or message me me

Peter Hamilton Collins

As a client said many years ago

“I feel safe in your capable hands”

[email protected]

26/03/2026

We are always looking for passionate and hard-working individuals to join our team!

If you’d like to see our current vacancies, please click the link below.

https://edwardscleaning.livevacancies.co.uk

21/02/2026

21/02/2026

Well now... this can only mean one thing! The Cluny - it's early days, but the duck count down is on!!

Shout out to Joe from JustDucks for being such a huge help!