Lasting Power of Attorney

Give power to those you trust to take care of your finances and health


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Take control over your future health and finance decisions now

If you become unable to make decisions for yourself in the future, a Lasting Power of Attorney (LPA) is a legal document which empowers an individual or people you select to carry out affairs on your behalf.

Why choose MortgageKey for Lasting Power of Attorney

We offer experienced and trusted advice

Our vastly experienced team have the knowledge to ensure nothing will be overlooked

Our friendly and personable approach

We know that a personal touch is essential when making decisions for the future

Support is tailored to meet your needs

As no single solution fits all circumstances, we tailor our services to meet your specific needs

We make everything clear to understand

Jargon free advice to ensure you understand what everything means

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Our team of specialists will guide you through the process of securing a mortgage, buying a home or taking out a loan – finding the very best deals for you and your family.

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Lasting Power of Attorney – Your Questions Answered

By choosing a Lasting Power of Attorney you are taking control over your future health and finances by appointing someone to act in your interests if you cannot make your own decisions (known as lacking mental capacity). This can happen as a result of an accident or illness.

Those who you entrust will become your legally appointed attorney or attorneys and will be able to use these documents to act on your behalf, should they need to.

What sort of LPAs are available?

Typically, there are two main types of LPAs: Property and Financial Affairs and Health and Welfare. You can opt to have one or both.

Health and Welfare LPAs come in to play once you are unable to make decisions for yourself.

Property and Financial Affairs LPAs are put in place to accommodate your money and property whilst you still have full mental and operational capacity.

Who can you choose to be your legally appointed attorney?

The choice is yours but logically it would be someone you can trust, so that you can ensure your estate will be properly taken care of. This could be a family member, a close friend or associate or even a solicitor. The number of attorneys you choose is also up to you. However, having two attorneys is the recommended route. For instance, one being your spouse or partner and the other one of your offspring, should anything happen to one of them.

How long do LPAs take to approve and how long do they last?

LPAs last a lifetime, protecting you and your estate until you pass away and then your Will dictates the rest. Setting up and registering your LPA with the Office of the Public Guardian can take up to and beyond 10 weeks, so leave yourself plenty of time to organise it.

What else is there to consider about LPAs?

Married or cohabiting couples are not automatically pledged to legally deal with one another’s affairs. This includes access to bank accounts, pension providers, credit card companies or utility companies.

Releasing equity to spend now may mean you are not able to rely on your property for money for later in to your retirement.

Entrusting a person with power of attorney over your health and welfare does not automatically give them president over financial affairs and vice versa.

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