Why should I make an LPA?

We never know what is around the corner or what challenges will be thrown at us.

Many people plan for the future by writing a Will, but a Will only comes into effect on death. The great benefit of an LPA is that you make the choices. If you want decisions about your property, finance and health to be made by a trusted friend or family member of your choice then you should make an LPA.

By making an LPA you have the comfort of knowing that the person or people you want to help you are able to do so in as straightforward a way as possible and the Attorney you appoint have a powerful tool to enable them to cut through bureaucracy and have their voice heard on your behalf.

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Business LPAs

If you have business interests it is possible to make a separate LPA specifically relating to those interests.

We particularly recommend you make an LPA if you have been diagnosed with, or think you might develop, an illness that might prevent you from making decisions for yourself at some time in the future.
The types of illness that might prevent you from making decisions for yourself include:

  • Dementia
  • Mental health problems
  • Brain injury
  • Alcohol or drug misuse
  • Side-effects of medical treatment

Remember you must make an LPA whilst you are still capable of making decisions for yourself. This is called having mental capacity


86% of people would want their family or friend to make decisions on their behalf in the event that they became too ill to make decisions for themselves. Yet only 12% have an LPA in place.


Assets affected

If there is no LPA in place when you lost capacity, your assets will freeze, which might cause difficulty or distress to you and those trying to help you. Some assets will become inaccessible should you lose capacity for example, joint bank accounts can be frozen once the bank becomes aware that one party has lost capacity. Similarly there can be problems in the sale of a jointly owned property.


Not just about capacity

A Property and Finance LPA can be used at any time, even if you have capacity, with your authority.

People regularly use Property and Finance LPAs in the following circumstances

  • They are abroad for a significant period of time
  • They are moving to another country
  • The no longer want to manage their own finances
  • They are too busy to manage their finances

Contact Us

If you would like to write an LPA or you have a question regarding LPAs complete the form below and one of our friendly Solicitors will be in contact to discuss your enquiry.

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Need advice? Email us enquiries@terry-jones.co.uk