Wills

Planning for the future is one of the most important steps you can take to protect your loved ones and ensure your wishes are carried out. At HM & Co. Solicitors, we have extensive experience in helping individuals and families create bespoke Wills that provide security and peace of mind.

We do not believe in a “one-size-fits-all” approach—every Will we draft is tailored to the specific needs and circumstances of our clients. Whether you require a simple Will or need a more complex estate planning strategy, our team is here to guide you through the process.

Why Choose HM & Co. Solicitors for Your Will?

Our Personalised Approach

We take a pragmatic and plain-speaking approach, ensuring that legal jargon is minimised so you can fully understand your Will. Our solicitors work to keep the process as simple and stress-free as possible, while making sure all legal risks—such as potential claims against your estate or inheritance tax concerns—are properly addressed.

Specialist Expertise

Our Will writing solicitors are full members of STEP (Society of Trust and Estate Practitioners) and have years of experience in estate planning. You will be assigned your own solicitor, who will guide you from start to finish and be available for future legal needs.

Flexible Meeting Options

We offer meetings at:

  • Our offices in London
  • Your home or office
  • Online video meetings via Zoom, Teams, or Skype
  • Telephone consultations

Our Specialist Will Writing Services

1. Wills for Business Owners

Business owners need to consider how their estate planning aligns with their business affairs. We offer specialist advice on structuring Wills to:

  • Maximise Inheritance Tax reliefs such as Business Property Relief.
  • Ensure smooth business succession.
  • Review cross-option agreements and other protection measures.

2. Cross-Border Wills

If you have international links, we provide expert advice on managing foreign assets, including:

  • Drafting Wills that comply with UK inheritance laws.
  • Working alongside foreign legal experts to ensure global estate planning.
  • Managing tax implications for overseas properties.

3. Wills for Vulnerable People

We offer a sensitive and personalised service for:

  • Adults with learning disabilities.
  • Individuals with dementia or Alzheimer’s.
  • Clients who require capacity assessments before making a Will.

Our solicitors assess testamentary capacity and arrange professional medical assessments where necessary.

4. Wills for High Net Worth Individuals

For clients with assets between £2 million and £4 million, we offer bespoke estate planning, including:

  • Inheritance Tax planning using asset protection trusts.
  • Strategies to minimise challenges to your Will.
  • Collaboration with your financial advisors to ensure a comprehensive estate plan.

The Will Writing Process

We follow a structured five-step process to ensure your Will is tailored to your needs and legally sound.

Step 1: Initial Meeting (No Charge)

  • Discuss your wishes, personal circumstances, and financial position.
  • Review Inheritance Tax implications and structuring options.
  • Advise on how to protect your assets and reduce legal risks.

Step 2: Confirming Your Instructions

  • We provide a summary of your instructions in plain English.
  • You receive a breakdown of costs and estimated timeframes.
  • Documents are shared via post or secure online portal.

Step 3: Drafting the Will

  • You receive a draft Will along with a plain English summary.
  • We can review the documents in person or via online portal.

Step 4: Signing the Will

  • We prepare the final version for signing.
  • Two independent witnesses are required—we can provide them if needed.
  • If you prefer to sign at home, we send detailed signing instructions.

Step 5: Finalisation & Storage

  • Once signed, we discuss storage options:
    • You may store your Will with us at no cost.
    • We provide certified copies for your records.

For couples and cross-border Wills, please see our price list or contact us for a quote.

How Long Does It Take to Make a Will?

  • Standard Wills: 2 to 4 weeks
  • Urgent Wills: Same-day service available
  • Wills with Registration & Inheritance Tax Planning: Up to 6 weeks

Why Should You Make a Will?

Many people assume that their estate will automatically pass to their loved ones, but without a legally valid Will, this is not always the case. A Will ensures that:
Your estate is distributed according to your wishes.
Your loved ones are financially protected.
Your assets are passed on efficiently and tax-effectively.
Your children’s guardianship is formally documented.
Your business interests are secured.

 

Contact HM & Co. Solicitors Today

If you are considering making a Will, we are here to help you protect your future and your loved ones.

Visit us: 186 Lower Road, Surrey Quays, London SE16 2UN
Call us: 0207 112 8180
Email us: info@hmsolicitorsltd.com

Let HM & Co. Solicitors help you secure your legacy with expert Will writing services. Contact us today to schedule your consultation.

Your Questions, Answered

FAQs

FAQs About Wills

1. Why do I need a Will?

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<p data-start="88" data-end="311">A Will ensures that your assets are distributed according to your wishes when you pass away. Without a Will, the law decides how your estate is divided, which may not align with your intentions. A Will also allows you to:</p>
<p data-start="313" data-end="486">✔ Appoint guardians for your children.<br data-start="351" data-end="354" />✔ Protect your assets from unnecessary tax burdens.<br data-start="405" data-end="408" />✔ Ensure your loved ones are financially secure.<br data-start="456" data-end="459" />✔ Specify funeral wishes.</p>

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2. What happens if I die without a Will?

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<p data-start="544" data-end="651">If you die without a Will, your estate will be distributed under the <strong data-start="613" data-end="632">intestacy rules</strong>, which may mean:</p>

<ul data-start="653" data-end="895">
<li data-start="653" data-end="713">Your spouse or civil partner may not inherit everything.</li>
<li data-start="714" data-end="775">Unmarried partners and stepchildren will receive nothing.</li>
<li data-start="776" data-end="847">The government may take your estate if no eligible relatives exist.</li>
<li data-start="848" data-end="895">Family disputes may arise over inheritance.</li>
</ul>
<p data-start="897" data-end="955">Making a Will ensures your wishes are legally protected.</p>

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3. How long does it take to make a Will?

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<li data-start="1729" data-end="1769"><strong data-start="1731" data-end="1750">Standard Wills:</strong> <strong data-start="1751" data-end="1767">2 to 4 weeks</strong></li>
<li data-start="1770" data-end="1822"><strong data-start="1772" data-end="1789">Urgent Wills:</strong> <strong data-start="1790" data-end="1820">Same-day service available</strong></li>
<li data-start="1823" data-end="1911"><strong data-start="1825" data-end="1891">Complex Wills (including tax planning or cross-border assets):</strong> <strong data-start="1892" data-end="1909">Up to 6 weeks</strong></li>
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4. What is included in a Will?

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<p data-start="1959" data-end="2253">A Will typically includes:</p>
<p data-start="1959" data-end="2253"><br data-start="1985" data-end="1988" />✔ Who will inherit your assets (money, property, personal belongings).<br data-start="2058" data-end="2061" />✔ Who will manage your estate (Executors).<br data-start="2103" data-end="2106" />✔ Guardianship provisions for children under 18.<br data-start="2154" data-end="2157" />✔ Funeral preferences (if specified).<br data-start="2194" data-end="2197" />✔ Trusts for vulnerable beneficiaries (if applicable).</p>
<p data-start="2255" data-end="2309">We tailor every Will to your personal circumstances.</p>

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5. Can I update my Will?

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<p data-start="2351" data-end="2450">Yes, you should review your Will every <strong data-start="2390" data-end="2406">3 to 5 years</strong> or when major life events occur, such as:</p>

<ul data-start="2452" data-end="2633">
<li data-start="2452" data-end="2516">Marriage or divorce (marriage invalidates an existing Will).</li>
<li data-start="2517" data-end="2556">Birth of children or grandchildren.</li>
<li data-start="2557" data-end="2608">Significant changes in financial circumstances.</li>
<li data-start="2609" data-end="2633">Changes in tax laws.</li>
</ul>
<p data-start="2635" data-end="2729">You can update your Will using a <strong data-start="2668" data-end="2679">Codicil</strong> (a formal amendment) or by creating a new Will.</p>

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6. What is the difference between a Will and a Trust?

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<li data-start="2800" data-end="2905">A <strong data-start="2804" data-end="2812">Will</strong> takes effect after you pass away, distributing your assets according to your instructions.</li>
<li data-start="2906" data-end="3058">A <strong data-start="2910" data-end="2919">Trust</strong> can take effect during your lifetime or after death, protecting assets for specific beneficiaries (e.g., children or vulnerable adults).</li>
</ul>
<p data-start="3060" data-end="3162">Trusts are often used for <strong data-start="3086" data-end="3114">Inheritance Tax planning</strong> or safeguarding assets from potential claims.</p>

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7. Do I need a solicitor to write a Will?

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<p data-start="3221" data-end="3340">While DIY Wills are available, mistakes can render them <strong data-start="3277" data-end="3311">invalid or legally ineffective</strong>. A solicitor ensures that:</p>
<p data-start="3342" data-end="3520">✔ Your Will is legally valid.<br data-start="3371" data-end="3374" />✔ All tax implications are considered.<br data-start="3412" data-end="3415" />✔ Your Will is correctly signed and witnessed.<br data-start="3461" data-end="3464" />✔ Your wishes are clearly expressed to avoid disputes.</p>

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8. Where should I store my Will?

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<p data-start="3570" data-end="3596">You can store your Will:</p>

<ul data-start="3598" data-end="3767">
<li data-start="3598" data-end="3669">With <strong data-start="3605" data-end="3628">HM &amp; Co. Solicitors</strong> (secure storage available at no cost).</li>
<li data-start="3670" data-end="3719">With a <strong data-start="3679" data-end="3716">professional Will storage service</strong>.</li>
<li data-start="3720" data-end="3767">At home (though this risks damage or loss).</li>
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<p data-start="3769" data-end="3833">Your Executors should know where your original Will is stored.</p>

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9. Can I make a Will if I have a medical condition affecting my mental capacity?

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<p data-start="3932" data-end="4145">Yes, but you must have the legal <strong data-start="3965" data-end="3984">mental capacity</strong> to make a Will (<strong data-start="4001" data-end="4026">testamentary capacity</strong>). If there are concerns, we may recommend an independent <strong data-start="4084" data-end="4114">mental capacity assessment</strong> from a medical professional.</p>
<p data-start="4147" data-end="4271">Our solicitors specialise in Wills for <strong data-start="4186" data-end="4268">vulnerable individuals, including those with dementia or learning disabilities</strong>.</p>

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10. Can I leave money to charity in my Will?

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<p data-start="4333" data-end="4474">Yes! Many people choose to leave a <strong data-start="4368" data-end="4387">charitable gift</strong> in their Will, which can also <strong data-start="4418" data-end="4454">reduce Inheritance Tax liability</strong>. You can specify:</p>
<p data-start="4476" data-end="4577">✔ A fixed amount.<br data-start="4493" data-end="4496" />✔ A percentage of your estate.<br data-start="4526" data-end="4529" />✔ A specific asset (e.g., property or shares).</p>
<p data-start="4579" data-end="4651">We can help you structure charitable gifts in a <strong data-start="4627" data-end="4648">tax-efficient way</strong>.</p>

<hr data-start="4653" data-end="4656" />

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11. Who should I appoint as my Executors?

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<p data-start="4710" data-end="4797">Executors are responsible for managing your estate after your death. You can appoint:</p>

<ul data-start="4799" data-end="4977">
<li data-start="4799" data-end="4881"><strong data-start="4801" data-end="4836">Family members or close friends</strong> (ensure they are trustworthy and capable).</li>
<li data-start="4882" data-end="4977"><strong data-start="4884" data-end="4924">Solicitors or professional Executors</strong> (for complex estates or impartial administration).</li>
</ul>
<p data-start="4979" data-end="5050">You can appoint <strong data-start="4995" data-end="5021">more than one Executor</strong> to share responsibilities.</p>

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12. Can I disinherit someone from my Will?

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<h3 data-start="5057" data-end="5109"><strong data-start="5061" data-end="5107">13. Can I disinherit someone from my Will?</strong></h3>
<p data-start="5110" data-end="5273">Yes, but disinherited individuals may still be able to make a claim against your estate under the <strong data-start="5208" data-end="5270">Inheritance (Provision for Family and Dependants) Act 1975</strong>.</p>
<p data-start="5275" data-end="5476">To reduce the risk of disputes, we recommend:<br data-start="5320" data-end="5323" />✔ Clearly stating your reasons in the Will.<br data-start="5366" data-end="5369" />✔ Writing a <strong data-start="5381" data-end="5401">Letter of Wishes</strong> to explain your decision.<br data-start="5427" data-end="5430" />✔ Seeking legal advice for added protection.</p>

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13. How can I minimise Inheritance Tax (IHT) through my Will?

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<p data-start="5555" data-end="5704">Inheritance Tax is charged at <strong data-start="5585" data-end="5592">40%</strong> on estates above the <strong data-start="5614" data-end="5636">£325,000 threshold</strong> (or £500,000 if a family home is left to children/grandchildren).</p>
<p data-start="5706" data-end="5924">Ways to reduce IHT include:<br data-start="5733" data-end="5736" />✔ Leaving assets to your spouse (tax-free transfer).<br data-start="5788" data-end="5791" />✔ Gifting money to charity.<br data-start="5818" data-end="5821" />✔ Setting up <strong data-start="5834" data-end="5844">Trusts</strong>.<br data-start="5845" data-end="5848" />✔ Using <strong data-start="5856" data-end="5884">Business Property Relief</strong> and <strong data-start="5889" data-end="5921">Agricultural Property Relief</strong>.</p>
<p data-start="5926" data-end="5995">We provide <strong data-start="5937" data-end="5964">specialist IHT planning</strong> to help protect your estate.</p>

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14. How do I get started with making a Will?

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<p data-start="6057" data-end="6141">Getting started is easy—simply contact us to schedule a free initial consultation.</p>
<p data-start="6057" data-end="6141"><strong data-start="6146" data-end="6159">Visit us:</strong> 186 Lower Road, Surrey Quays, London SE16 2UN<br data-start="6205" data-end="6208" /><strong data-start="6211" data-end="6223">Call us:</strong> 0207 112 8180<br data-start="6237" data-end="6240" /><strong data-start="6243" data-end="6256">Email us:</strong> <a rel="noopener" data-start="6257" data-end="6281">info@hmsolicitorsltd.com</a></p>
<p data-start="6285" data-end="6359" data-is-last-node="">Let <strong data-start="6289" data-end="6312">HM &amp; Co. Solicitors</strong> help you secure your legacy. Contact us today!</p>

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