Guiding your final wishes

Who will inherit if you die without having made a Will? Imagine this – You’ve spent your life building your home, growing your family, and creating memories. But what happens to everything you’ve worked so hard for if you pass away without a Will?

Without a valid Will in place, it’s not your loved ones who decide how your estate is shared out—it’s the government. The rules of intestacy will determine who inherits your assets and those rules may not reflect your personal wishes.

For example, if you’re married with children, your spouse may not automatically inherit everything. Instead, your assets could be split between your partner and your children—possibly leaving your spouse in financial difficulty. If you’re divorced or your civil partnership has legally ended, you won’t be entitled to inherit from each other under those rules at all.

The laws vary depending on where you live in the UK, and it’s worth checking the details at gov.uk/inherits-someone-dies-without-will/y

Planning ahead – peace of mind for you and your loved ones

Talking about what happens after you’re gone isn’t easy. But putting a Will in place can bring a sense of relief. It’s your chance to set things in order, make your wishes known and ensure the people you care about are looked after.

A well-prepared Will isn’t just a legal document—it’s a personal plan tailored to your life and values. It allows you to:

Choose guardians for your young children, rather than leaving that decision to the courts
Create trusts to protect your children’s inheritance until they’re mature enough to handle it
Decide exactly who inherits your estate, in what order and in what shares—so nothing is left open to interpretation
Leave meaningful gifts to family, friends, or charities that matter to you
Protect your children’s future, especially if your surviving partner remarries
Safeguard your share of your home, preventing it from being sold to cover future care fees and preserving your legacy.

Already have a Will? Make sure it’s still right for you

If you already have a Will, that’s great—but don’t assume it’s done for life. Life changes—new relationships, children, property, or shifts in the law—can all affect how your Will functions.

Reviewing your Will every few years ensures it still reflects your current wishes and financial situation. An outdated Will can cause confusion, or worse, fail to protect the people and assets you care about most.

Planning for the future might feel daunting, but having a clear, up-to-date Will gives you—and those you care about—confidence and clarity in the years to come.

Will writing is not regulated by the Financial Conduct Authority.

Why choose us?

At Chancery Wall Financial Services, we pride ourselves our personalised, expert advice that is tailored to your unique needs and circumstances. Our Middlesex-based team understands the local housing market and financial landscape, providing relevant and practical solutions for your mortgage needs. We are committed to helping you achieve your financial goals and ensuring your mortgage decisions support your broader financial wellbeing.

Get in touch

Ready to discuss your will? Contact us today to schedule a consultation with one of our advisers. Let Chancery Wall Financial Services be your trusted partner in navigating life’s financial journey.