Trusthouze Legal Services

12/01/2026

A £1.2m home. Siblings at war. A judge calling it a “complete tragedy.”

A brother and sister ended up in court after their mum died, fighting over the family home. She believed she could live there for life. He wanted it sold.

The result? Years of stress, huge legal costs, and a court order that the house must be sold in the future.

All because her wishes weren’t clearly and properly protected.

This is what happens when wills aren’t drafted with the right advice.

At Trusthouze Legal, we help make sure your wishes are clear, your loved ones are protected, and your family is never left to fight it out in court.

Have a read of the article at Today's Wills & Probate https://todayswillsandprobate.co.uk/judge-allows-sister-to-remain-in-property-but-falls-short-of-life-interest/

If we can help you secure your own plans, please contact us on 0161 397 1631 or chat to us via WhatsApp on 07468 560094

Warring siblings have been instructed to sell their mother's property; but not for another 14 years, until the 70th birthday of the sister.

31/12/2025

Happy new year to all our clients, thank you for everything in 2025 and we look forward to working with you in 2026 ❤️❤️❤️

31/10/2025

Happy Halloween 👻🧙🎃🎃

🎃 Think ghosts are scary? Wait until you meet... Sideways Disinheritance! 👻

This little horror strikes when wills aren’t written properly — and it can leave your kids’ inheritance disappearing faster than a witch on a broomstick! 🧙‍♀️

Here’s how the fright unfolds:
You pass away… your partner remarries… and suddenly your estate slides sideways to someone else’s family. Terrifying, right? 💀

At Trusthouze Legal, we specialise in ghost-proofing your will — keeping your wishes safe from spooky surprises and unwanted hauntings.

Don’t let your legacy become a Halloween horror story.
Get in touch and let’s keep your family protected — no tricks, just legal treats. 🍬

Contact Us:
email - [email protected]
Business WhatsApp - 07468560094

30/10/2025

Curious about credit checks? Here's what you need to know! 🧐

Soft credit checks are like a sneak peek at your credit.

They don't affect your score and are invisible to lenders. Use them to explore options without worry. 👀

Hard credit checks, however, leave a mark.

Lenders use these when you apply for credit, and they can temporarily lower your score. 😯

Understanding the difference helps you make informed decisions about your financial future.

Want to learn more about how credit checks impact your mortgage options? Get in touch for a friendly chat!

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE

30/10/2025

We know it’s tempting to grab the lowest headline rate you see advertised. However, focusing solely on the rate could mean overlooking crucial details that affect your future finances. 🔎

When shopping for a mortgage, look closely at the small print. Our job is to help you see the whole picture.

Have you checked the product fees? Some mortgages come with substantial arrangement costs, which often offset a lower interest rate. We calculate the total cost for you. 💰

Consider flexibility. What are the Early Repayment Charges (ERCs)? If your circumstances change, we want to make sure you won't face steep penalties for moving or switching.

We always ask about portability. Can you take your mortgage with you if you move house? This feature can be a saver later on. 🏡

Finally, don't forget the Standard Variable Rate (SVR). Once your fixed term ends, that future rate matters a great deal. We look beyond the initial term to ensure long-term value.

Book a chat today. 📱

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE

30/10/2025

🎃 Think ghosts are scary? Wait until you meet... Sideways Disinheritance! 👻

This little horror strikes when wills aren’t written properly — and it can leave your kids’ inheritance disappearing faster than a witch on a broomstick! 🧙‍♀️

Here’s how the fright unfolds:
You pass away… your partner remarries… and suddenly your estate slides sideways to someone else’s family. Terrifying, right? 💀

At Trusthouze Legal, we specialise in ghost-proofing your will — keeping your wishes safe from spooky surprises and unwanted hauntings.

Don’t let your legacy become a Halloween horror story.
Get in touch and let’s keep your family protected — no tricks, just legal treats. 🍬

Contact Us:
email - [email protected]
Business WhatsApp - 07468560094

15/10/2025

How One Simple Mistake Could Cost You Your Home

This week, one of our advisers met with Tim and Sarah to discuss their wills. What seemed like a simple task quickly revealed some serious issues that could have cost them their home.

Tim and Sarah have children, some savings, and a property they’ve been paying the mortgage on for 10 years. But there was one key detail they hadn’t thought about: the property is in Tim’s mum’s name, not theirs.

When they began the process 10 years ago buying a house, they couldn’t get a mortgage on their own, even though they had a large deposit saved. Tim’s mum helped by raising the mortgage in her name, with Tim and Sarah paying her back each month. They assumed that once the mortgage was paid off, the house would simply transfer to them, or that it would pass to them after Tim’s mum passed away.

Here’s where things get complicated:

Capital Gains Tax – Because the property isn’t Tim’s mum’s main residence, it could be hit with a large capital gains tax bill when it’s transferred to Tim and Sarah. Without the right paperwork, the tax burden could be significant.

Inheritance Risk – Tim’s mum remarried after purchasing the property. Since marriage revokes a Will, her estate would pass intestate (without a Will). This means Tim and Sarah could lose the property to their mum’s new husband, depending on inheritance thresholds.

Fortunately, we were able to help Tim and Sarah by connecting them with one of our trusted partner solicitors to formalise the arrangement and ensure they’re protected.

Is your situation similar? Whether you’ve bought a property for a loved one or have an arrangement like Tim and Sarah’s, it’s crucial to have the right legal protections in place.

If you want to make sure your home and your family are safe, get in touch with us today. Don’t wait until it’s too late.

Got questions? Need to talk something through?
Message us on WhatsApp: 07468 560094
Email: [email protected]
Or call: 0161 397 1631
Let’s make sure your loved ones — and their wishes — are properly protected.

13/10/2025

We look beyond the payslip because we know automated checks often miss crucial details. We don't stop when income structures appear complex. 🦸🏻

Our passion is understanding your complete financial reality. We dig deeper than generic mortgage calculations allow.

This means truly assessing the whole picture: director’s retained profits, variable bonuses, or diverse income streams that traditional systems overlook. 🔍

Many mainstream lenders rely solely on straightforward figures. We, however, understand how to present sophisticated financial scenarios to specialist providers who appreciate depth.

This detailed, evidence-based approach often secures an agreement for clients who thought home ownership was utterly unreachable. We turn initial 'declines' into confident 'offers'.

Ready to explore what your full income picture means for your property goals? Get in touch today. 📞

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE

13/10/2025

Each lender may have its own specific criteria for affordability assessments. These criteria can vary, so it's essential to check with different lenders to understand their specific requirements.

To calculate affordability, lenders typically use an "income multiple" approach or an "affordability assessment."

The income multiple approach involves multiplying your gross annual income by a certain factor (usually between 3 and 5 times your income) to determine the maximum mortgage amount you can borrow.

Do you have any questions on affordability? Let's talk 📱

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE

09/10/2025

More People. More Wills. More Disputes.

As our population gets older, more families are finding themselves caught up in disputes over wills. A recent FTAdviser article highlights the rise in contested wills, often due to concerns around mental capacity or undue influence when the will was made.

At Trusthouze Legal, we see how heartbreaking these situations can be — especially when families are already dealing with grief. But many of these disputes can be avoided with the right advice and planning.

Here’s how we can help:

Create wills that are clear, fair, and legally sound

Add extra protection for elderly or vulnerable relatives

Support you through will disputes with calm, expert advice

Got questions? Need to talk something through?
Message us on WhatsApp: 07468 560094
Email: [email protected]

Or call: 0161 397 1631

Let’s make sure your loved ones — and their wishes — are properly protected.

FT ADVISER ARTICLE: www.ftadviser.com/family-law/2025/9/29/how-an-ageing-population-is-leading-to-more-contested-wills/?page=1

The UK is becoming older. By 2075, it is projected that pensioners will make up 27 per cent of the UK’s adult population. This demographic shift is set to reshape not only the economy but the manner in which family wealth is passed down through generations.