For people over 55, and the families helping them
Will the house have to be sold to pay for care?
A free 90-second check gives you a straight answer, and your figures for inheritance tax now and after April 2027. Then, if you want it, a fixed-price plan to sort the will, the house and the tax.
Questions? Email hello@houseandheirs.com and a person replies within one working day.
Made for three situations
Most people who use the check are one of these. The questions, the answer and the plan are written for each.
We own our home together
Couples who want the survivor to stay in the house and the children to inherit whatever happens. The will, and whether the house should go into a trust in it, matter most.
I live on my own
Widowed, divorced or single, and the house is the estate. When the home counts for care, what the deferred payment route means, and inheritance tax from April 2027.
I’m helping Mum or Dad
Six in ten people who look into care are doing it for a parent. Run the check for them, share the figures, and have the conversation before a crisis makes it for you.
Why families can trust what they read here
No jargon, no scare stories, no selling. Just the rules, your figures and the honest routes, including the free ones.
Every figure has a source and a date
The care limits, the tax bands and the £92 fee all link to GOV.UK, HMRC, Age UK and the Office of the Public Guardian, with the date we last checked.
The free routes come first
Free Wills Month, Will Aid and the GOV.UK power of attorney service are on every relevant page, before anything we charge for.
We never recommend a product
No lender, no adviser, no trust. Only a regulated adviser or a solicitor can, and we introduce you only if you ask, and tell you first if they pay us.
Not a law firm, and we say so
Our regulatory status is on every page. What we make is information and your own figures, set out clearly.
Full refund within 14 days
The House Plan costs £89 once, including VAT. If it is not what you need, one email and it is refunded the same day.
Secure payment, no account
Card, Apple Pay and Google Pay taken by Stripe. We never see your card details, and there is no password to remember.
What families ask us
The same questions come up in every conversation, on every forum and at every kitchen table. Each has a plain answer in the check or the guides.
Questions we hear most
The House Plan · £89 once, no subscription
Your will written, the house protected, the tax worked out
Three questions every family over 55 has to answer, in one place, in plain English.
1. Your will, written
Who inherits, who carries it out, and what happens if someone dies first. For a straightforward estate you get a draft will to print and sign, checked by a person. If yours needs a solicitor, we say so and hand you complete instructions instead.
2. The house: should it go into a trust in the will?
For couples who own jointly, a will trust can let the survivor stay in the house for life while each half still passes to the children. We show whether it fits your situation and what it does and does not do, including the honest answer on care fees.
3. Inheritance tax, now and after April 2027
Your bands, your figures, the pension change, and the gifts that are always free of tax. What would go to the taxman, and what a regulated adviser could change.
Also included: the care-fees answer for your own house, the power of attorney pack with the signing order, the family sheet that says where everything is, and a person who checks the whole plan.
Bought separately, the parts of the plan cost up to £2,150. The full comparison, with sources, is on the plan page.
What customers and the evidence say
free checks run so far
House Plans started
reviews appear here as customers leave them
“Wills matter! Power of attorney arguably matters more.”
77% of over-55s have no lasting power of attorney. 133,760 applications were rejected in 2024 for avoidable mistakes.
Six in ten over-45s think a year of residential care costs under £60,000. The real figure is £66,000 to £80,000.
Every review shown is from a paying customer who agreed to be quoted. We never use invented or paid-for reviews.
How it works
Run the free check
Five questions about who lives in the house, whose name it is in, and rough figures. A straight answer on screen, your figures by email.
About 90 seconds
Answer at your own pace
If you want the plan, six short sections cover you, the family, the house and money, your wishes, who should act for you, and where everything is. It saves as you go.
About 40 minutes, in one go or over a week
Get your pack, checked by a person
Your will, the answer on a house trust, the tax and care figures, the power of attorney pack and the family sheet. A member of our team reads it all and emails you within 2 working days.
Figures ready the moment you finish
Questions people ask first
Is the check really free?
Yes. No card, no account. The answer is on screen and the figures come by email. The only thing we sell is The House Plan, and the check tells you honestly whether you need it.
Can you write my will?
For a straightforward estate, yes: the plan drafts your will from your answers, a person checks it, and you sign it with two witnesses. Will writing is not reserved to solicitors in England and Wales, but we are not a law firm and we say so. If your situation needs a solicitor (a previous marriage, a business, someone left out, a will trust, an estate over £1m) the plan tells you and gives you complete instructions to take to one. What is included.
Should I put my house in a trust?
Usually the honest answer is: not a lifetime trust, and never to dodge care fees. For couples who own jointly, a trust written into the will can be worth having. The plan tells you which applies to you. Read the guide.
How accurate are the figures?
They are estimates from the bands you choose and the rules in force in September 2026. The plan asks for exact figures and gives exact numbers. Only a solicitor or a regulated adviser can advise on your case.
Will you try to sell me equity release?
No. We explain lifetime mortgages as one of the options, with the arithmetic, because people ask. We never recommend a product or a provider.
Who sees my answers?
Only us, and any firm you ask us to introduce you to. We never sell data, and you can ask us to delete everything at any time.
Start with the free check
Five questions. A straight answer. Your figures by email.