Liddle Perrett Ltd

13/10/2026

The consequences of not writing a will cannot be overstated.

In our busy lives, thinking about our mortality and what happens to our assets after we’re gone can be uncomfortable. But by not writing a will you can leave your loved ones exposed to numerous risks and complications.

Here are just 3 (of many) points to consider;

📝 Intestacy Laws Determine Your Estate's Fate - If you don’t have a will, intestacy law will determine how your assets are distributed after your passing. In many cases, your assets may go to distant relatives rather than the people you intended to inherit them.

📝 Your Wishes May Not Be Honoured - By not writing a will you won’t have control over who receives your assets. Writing a will ensures your wishes are respected, and that the people who you wish to benefit from your lifetime of hard work actually will.

📝 Potential Inheritance Tax Liabilities - If you haven’t planned for it, inheritance tax can take a significant chunk out of your estate. Writing a will and going through the estate planning process means that you can put plans in place to mitigate the risk of paying too much tax.

These are just a few things you might want to consider, but the bottom line is that Estate Planning and writing a will is one of the most important things you can do.

Contact us about finding out what you need to know about estate planning [email protected] or 03458948441



[Wills are referred to a third party. Neither Liddle Perrett Ltd nor PRIMIS are responsible for the service received. These services are not regulated by the Financial Conduct Authority and may have limited consumer protection.]

11/10/2026

When you start planning for your retirement, weighing up downsizing vs lifetime mortgage options might be the first step over-55 homeowners take to unlock property equity.

At Liddle Perrett, our duty of care as independent mortgage advisers is to help you explore all available choices to find what is right for you. A lifetime mortgage is a flexible financial product, but it is not suitable for everyone. If you have cheaper alternatives available, such as moving home or utilising existing savings, downsizing may be the more cost-effective path for your personal circumstances.

To help you evaluate whether downsizing or equity release best fits your goals, this blog compares both options across four key areas, considering both the potential benefits and important risks of each.

Read our blog to find out more about the options available to you https://liddleperrett.com/downsizing-vs-lifetime-mortgage/
Contact us [email protected] or 0345 894 8441


[A Lifetime Mortgage will reduce the value of your estate and may affect your entitlement to means-tested benefits and tax status. The impact of not servicing monthly interest payments on a Lifetime Mortgage is that the outstanding debt can grow rapidly, thus reducing the value of your estate. For example, if the interest rate was 7% a year, a £50,000 loan would double to £100,000 after 10 years assuming no repayments are made. This is an example for illustrative purposes only and personalised advice and recommendations should be sought from a qualified professional. You are strongly advised to register a lasting power of attorney. This will allow your affairs to be managed by somebody else if your mental abilities significantly decline.]

Downsizing vs lifetime mortgage: Unlock equity in retirement. Explore upfront costs, compound interest risks, to help you decide.

09/10/2026

Don't put off writing your will and planning your estate.

It can feel like a tricky thing to do, but it really is one of the most important things you can do to protect your family.

Failing to create a will can result in unintended consequences, disputes, and financial hardships for your loved ones. By taking the time to plan and document your wishes in a will, you can provide peace of mind and security for those you care about.

Contact us to arrange a chat about the choices you have available to you [email protected] or 03458948441



[Wills are referred to a third party. Neither Liddle Perrett Ltd nor PRIMIS are responsible for the service received. These services are not regulated by the Financial Conduct Authority and may have limited consumer protection.]

07/10/2026

The risks of not writing a will are numerous and far-reaching.

Here are 3 more things to consider if this resonates with you:

📝 Guardianship Decisions May Be Left Uncertain - If you have minor children and don’t specify a guardian for them in your will, the court will decide who should take care of them. It is not the case that your children would automatically be cared for by grandparents or aunts and uncles.

📝 Not Writing a Will can Delay the Probate Process - Writing a will means that the probate process can start immediately. Whilst the process takes around 6 months to complete, your will reduces delays in the distribution of your assets to your beneficiaries. Without a will, the process will be prolonged. Assets are likely to be frozen so your surviving spouse may not be able to access money.

📝 Family Conflicts Can Escalate - Without clear instructions in a will, family members may argue over who should get what, potentially leading to bitter disputes and damaged relationships. This is a very common, and tragic occurrence when families split apart over the money and assets of a departed loved one.

Failing to plan your estate and create a will can result in unintended consequences, disputes, and financial hardships for your loved ones. By taking the time to plan and document your wishes in a will, you can provide peace of mind and security for those you care about.

Contact us to arrange a chat about the choices you have available to you [email protected] or 03458948441



[Wills are referred to a third party. Neither Liddle Perrett Ltd nor PRIMIS are responsible for the service received. These services are not regulated by the Financial Conduct Authority and may have limited consumer protection.]

06/10/2026

When arranging an equity release plan or lifetime mortgage, our primary focus is helping you access the tax-free cash tied up in your home to achieve your retirement goals.

Whether you are planning home improvements, gifting an early inheritance to children, or boosting your monthly income, modern equity release plans offer exceptional flexibility.

However, as professional mortgage brokers, our duty of care goes beyond securing the lowest interest rate. We need to ensure that the mortgage plan you establish today remains fully operable throughout your entire life.

Find out more about the importance of LPAs here https://liddleperrett.com/lifetime-mortgage-lasting-power-of-attorney/
Contact us [email protected] or 0345 894 8441

[A Lifetime Mortgage will reduce the value of your estate and may affect your entitlement to means-tested benefits and tax status. The impact of not servicing monthly interest payments on a Lifetime Mortgage is that the outstanding debt can grow rapidly, thus reducing the value of your estate. For example, if the interest rate was 7% a year, a £50,000 loan would double to £100,000 after 10 years assuming no repayments are made. This is an example for illustrative purposes only and personalised advice and recommendations should be sought from a qualified professional. You are strongly advised to register a lasting power of attorney. This will allow your affairs to be managed by somebody else if your mental abilities significantly decline.]

Taking out a lifetime mortgage? Learn why you should consider setting up a Property and Financial Affairs LPA alongside your application.

04/10/2026

The bottom line is that if you're unable to make mortgage payments you might lose your home.

This is why taking out Mortgage Protection is vital!

Mortgage Protection is the thing that sits in the background for the time when something happens that you couldn’t predict and you are unable to make your mortgage payments.
Read our guide here https://liddleperrett.com/mortgage-protection-guide/


[Your home may be repossessed if you do not keep up repayments on your mortgage]

03/10/2026

Exploring the Implications of Dying Intestate - there are several implications if you have not planned your estate.

Without a valid will, you lose control over who inherits your assets and estate, ultimately this means that the distribution may not then align with your wishes.

There are many implications in this situation, not least that it can cause difficulty and disputes amongst family members. It can also result in financial burdens for your family, as they may have to navigate complex legal process that could require professional support to handle the distribution of your assets.

The time it takes to settle an intestate estate can be prolonged, causing unnecessary stress and delays for your loved ones during an already difficult time.

Contact us to arrange a chat about the choices you have available to you [email protected] or 03458948441




[Wills are referred to a third party. Neither Liddle Perrett Ltd nor PRIMIS are responsible for the service received. These services are not regulated by the Financial Conduct Authority and may have limited consumer protection.]

02/10/2026

Taking Out a Lifetime Mortgage? Why Your Mortgage Broker Will Advise You to Set Up an LPA.

A Lasting Power of Attorney (LPA) is a formal legal document that allows you (the donor) to choose trusted people (your attorneys) to make decisions on your behalf if you become unable or unwilling to do so in the future.

We strongly recommend every lifetime mortgage client speak to an expert estate planning firm or legal professional to advise you on what you need to do to either consider or set up a Property and Financial Affairs Lasting Power of Attorney (LPA) alongside their mortgage application to protect you and your family in the event that you lose mental capacity.

Read more here https://liddleperrett.com/lifetime-mortgage-lasting-power-of-attorney/
Contact us [email protected] or 0345 894 8441
[A Lifetime Mortgage will reduce the value of your estate and may affect your entitlement to means-tested benefits and tax status. The impact of not servicing monthly interest payments on a Lifetime Mortgage is that the outstanding debt can grow rapidly, thus reducing the value of your estate. For example, if the interest rate was 7% a year, a £50,000 loan would double to £100,000 after 10 years assuming no repayments are made. This is an example for illustrative purposes only and personalised advice and recommendations should be sought from a qualified professional. You are strongly advised to register a lasting power of attorney. This will allow your affairs to be managed by somebody else if your mental abilities significantly decline.]

Taking out a lifetime mortgage? Learn why you should consider setting up a Property and Financial Affairs LPA alongside your application.

29/09/2026

When a child’s savings can’t keep pace with rising house prices, parents may wish to help.

Parents often look for creative ways to help, they might even try to boosting buying power using Equity Release from their own most valuable asset - their home - and give their children a head start.

In this scenario we help clients consider a number of possibilities that allows the parents to lend a hand using the value locked in their property, including:

> Lifetime Mortgage Advice: We explained the mechanics of a Lifetime Mortgage (a form of equity release) which allows for an amount to be 'unlocked' from the value of their home without having to sell up or move.

> Structuring the Gift: By releasing this equity, the a child's deposit could be instantly boosted.

> Lender Coordination: We help to identify a specific mortgage lender who is supportive of the 'family gifting' process, ensuring the source of the funds (equity release) is fully accepted.

> Risk Management: We sit down with the parents to explain the legalities, ensuring they are understood how the interest on the released equity works and how it would be settled in the future.

Read our case study to explore how we support our clients to navigate the choices that are available to them https://liddleperrett.com/boosting-a-daughters-buying-power-via-equity-release/
Contact us to talk about support available to you [email protected]

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

25/09/2026

Breaking the “rent trap” is a major milestone, especially for young professionals. We help our clients to consider the options open to them to identify the safest and most appropriate route to achieving their housing goals.

Our case study explores options such as leveraging government incentives and low-deposit schemes to help to own your first property. But it is common for clients to be concerned and we will guide them through these challenges, such as:

> The Deposit Gap: Fears that a deposit is not going to be enough.

> The “Knowledge Gap”: Feeling intimidated by the complexity of the buying process and not knowing which lenders to trust.

> The Rent Trap: Years of renting can leave you feeling like you're paying someone else’s mortgage rather than building your own equity.

And throughout, we will be our clients 'Jargon Filter'! Managing the communications between estate agent and solicitors, translating complex legal and financial terms into plain English.

Read more about this case study here https://liddleperrett.com/from-long-term-tenant-to-homeowner/
Contact us to talk through the support we offer [email protected]

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