Lets someone you trust make decisions if you can't. Without one, your family has to go to court — that takes months and costs thousands. It's one of those things worth sorting now.
An LPA is a legal document that lets you choose someone to make decisions on your behalf if you ever lose the ability to make them yourself — whether through illness, accident, or just getting older.
There are two types, and most people get both:
Covers your money, bills, property, and investments. Can be used as soon as it's registered, or only when you lose capacity — your choice.
Covers medical treatment, care decisions, and where you live. Can only be used when you can no longer make these decisions yourself.
Here's what happens without an LPA: if you have a stroke, develop dementia, or are in an accident, your family can't access your bank accounts, pay your bills, or make medical decisions for you. Even your spouse can't do it.
They'd have to apply to the Court of Protection instead. That process takes 6-12 months and costs £3,000-£5,000 minimum. Meanwhile, bills don't get paid, the house can't be sold, and decisions about your care get delayed.
An LPA costs a fraction of that and takes a few weeks. It's one of those jobs that feels like a hassle until you need it — and by then it's too late.
Martin Lewis explains why everyone over 18 should have an LPA
No complicated forms. No legal jargon. Just a conversation.
Give us a call and we'll ask a few questions about your situation. Takes about 20 minutes.
We prepare your documents and send them over for you to check. Make as many changes as you need.
We post the final documents with clear signing instructions. You'll need a witness (we'll explain).
We help you send it to the Office of the Public Guardian. Registration takes 8-10 weeks.
No hidden fees. No upselling. This is what you pay.
One document
Complete protection
For two people
Note: There's also a £82 government registration fee per LPA. We'll explain all this on the call.
The government forms are available online. It's not easy — people make mistakes, forms get rejected — but it's possible. We charge for making sure it's done right.
Typically £300-£600 per LPA. You're paying for their offices and brand. We give you the same professional guidance without the overheads.
Once you've signed, the Office of the Public Guardian takes 8-10 weeks to register it. That's the same for everyone — we can't speed it up.
We don't take payment until you've seen your draft documents and approved them. If you change your mind, that's fine.
As soon as you're 18, technically. Most people don't think about it until their 50s or 60s, but accidents and illness don't check your age first. If you've got a house, savings, or anyone who depends on you, it's worth doing now.
Someone you trust completely. Usually a spouse, adult child, or close friend. You can have more than one, and we'll help you think through the options on the call.
You can cancel an LPA at any time, as long as you still have mental capacity. You can also make a new one if your circumstances change.
That's the most common setup. You'd each make two LPAs (Property and Health) naming each other as attorney. Our couple's package covers this.
No. A will deals with what happens after you die. An LPA deals with what happens while you're alive but can't make decisions. You probably need both.
Mum had a stroke last year and we had no LPA. It took us four months to get access to her bank account just to pay her care home bills. Don't make the same mistake we did — get this sorted while you can.
Leeds
Give us a call. We'll answer your questions and explain exactly what's involved. No pressure, no obligation.
0333 049 5033Monday to Friday, 9am – 6pm
