The House Plan · £89 once · no subscription
Your will, written and checked, for £89. Plus five extras, included free.
A solicitor can charge up to £1,194 for a will. Ours is £89: quick, guided questions, one step at a time, then your will is written for you, checked by our team and posted out to you to sign.
Bought separately, everything would cost £2,584. You save £2,495.
Satisfaction guarantee: a full refund within 14 days, one email
Our mission
“What you’ve worked for should go to the people you choose, not to whoever the government’s rules pick. A proper will shouldn’t cost hundreds of pounds. Our mission is to make it simple and affordable for everyone.”
House & Heirs
Start The House Plan
Total to pay: £89
£89 for your plan. One payment, no subscription.
You pay first, then start straight away: quick, guided questions, at your own pace.
We send your private plan link, with the simple step-by-step guide, here.
What you get
- Your will, written and checked by our team
- A trust for the house in your will, if it fits
- Your inheritance tax figures, now and after April 2027
- The care fees answer for your house
- The power of attorney pack
- The family sheet: where everything is kept
Stored online and posted out to you
“The format was easy to understand and complete and the replies to any questions were quick and thorough”
From 6 April 2027, pensions count for inheritance tax. The change is already built into every plan.
What people say
“The format was easy to understand and complete and the replies to any questions were quick and thorough”
Sara, 57, Lancing · verified customer
“What I liked most was how clear everything was. No complicated wording or unnecessary hassle, just a simple way of getting everything arranged.”
Julie, 54, Sheffield · customer
What makes us different
Peace of mind for your family, without the solicitor’s bill
Why we do it
More than half of adults in the UK have no will: 56%, according to the Money and Pensions Service. Too many families put it off because it feels expensive and complicated, and then the government’s rules decide who gets the house.
We think everyone should be able to protect their family and pass on what they have to the people they choose, not only those who can afford a solicitor. So we made it simple, and we made it £89.
How we can do it for £89
No office, no appointments, no hourly rate
You answer quick, guided questions at home, in your own time, on your phone or computer. A solicitor charges for every hour across the desk. We don’t need those hours.
Your will is written for you from your answers
Our system turns your answers into a will under the law of England and Wales, then a real person on our team checks every one before it comes back to you, printed and posted to you to sign.
One price, with the extras built in
Your inheritance tax figures, the care fees answer, the power of attorney pack and the family sheet all come with the will, not as extra bills.
If your situation needs a solicitor, we tell you, and give you everything to take to one.
A solicitor can charge up to £1,194 for a will. Everything we include would cost £2,584 bought separately. Ours is £89.
Start my willIf nothing is written down
Without a plan, the rules decide
£0
What an unmarried partner inherits without a will
Married with children? The partner gets the first £322,000 and half the rest.
£23,250
The savings figure above which you pay every penny of care
The house counts too, unless a partner or certain relatives live in it.
6 April 2027
The day unused pensions start to count for inheritance tax
Above the tax-free bands the rate is 40%.
£432
The court fee if you lose mental capacity without a power of attorney
Months of waiting, with the accounts frozen. A power of attorney costs £92 to register now.
What the rules say
£0: What an unmarried partner inherits without a will. Even a married partner may not get it all. With children or grandchildren, they get the first £322,000 and half of the rest. The children take the other half, which can mean the house has to be sold to pay them out.
£23,250: The savings figure above which you pay every penny of care. Once savings fall below this figure the council steps in, and the house counts as savings unless someone protected lives in it.
6 April 2027: The day unused pensions start to count for inheritance tax. Above the tax-free bands the rate is 40%. About one in five pensioner households would owe some if they died then, mostly because of the house and savings.
£432: The court fee if you lose mental capacity without a power of attorney. Your family cannot simply step in. They apply to the Court of Protection to be made your deputy: £432 to apply, medical evidence, months of waiting, a yearly supervision fee, and the accounts frozen meanwhile. A lasting power of attorney (LPA) costs £92 to register now.
Every figure is dated, with its source, on our sources page.
What people say about it
“One of those jobs I'd been putting off for months! Once I started, it was all very simple and I had it completed much quicker than I thought.”
Richard, 65, Oxford · customer
“At my age, there are certain things you don't want to leave until later. This was one of them. Took hardly any time and I'm pleased to have it finally sorted.”
Michael, Cambridge · customer
Everything in The House Plan
Your will, plus five things every family needs, included
Your will, written
Drafted from your answers, checked by our team, with a signing guide. Or full instructions for a solicitor, if you need one.
Checked by a person before you sign
Should the house go into a trust?
What a trust in your will would do for your family. Never a lifetime asset-protection trust.
A straight yes or no for your house
40%
Inheritance tax, now and after April 2027
Your own figures for both dates, and the gifts that are always tax-free.
the tax above the tax-free bands
£23,250
Would the house count for care fees?
Whether and when it counts, what the council must ignore, and what would be left for the children.
the savings limit for help from the council
£92
The lasting power of attorney (LPA) pack
Both forms, section by section, with a signing order and checklist. They work once signed and registered: £92 per LPA to the government.
now, not £432 at court later
The family sheet
One printable page saying where the will, deeds and accounts are.
So nobody has to hunt
How it works
1Pay and start
Your link arrives by email. No password.
One minute
2Answer at your own pace
One question at a time. It saves as you go.
Quick and guided
3We check it and post it to you
After our check, your will is printed and posted to you free, ready to sign with two witnesses.
Checked within 2 working days
In their words
“I did this mainly for my family. You never know what might happen in the future, so it feels good knowing I have something in place for them.”
Linda, 62, Birmingham · customer
“Didn't really know much about this before, but the questions were simple and the whole process was explained in a way that made sense. Very happy with the result.”
David, 68, Manchester · customer
Most families leave it to the rules
- £8.5bn
taken in inheritance tax last year, a record. In 2006-07 it was £3.5bn.
HMRC, 2025 to 2026
- 56%
of adults in the UK have no will, so the government’s rules decide who inherits.
Money and Pensions Service, 2025
- 3.5 million
unmarried couples. Without a will, the partner left behind inherits nothing.
ONS, 2024
Bought one at a time: £2,584. In the plan: £89.
Your will, with a trust for the house if it fits
£1,194
Elsewhere: A solicitor's will with a trust for the house (Peacock Law's published price, £995 plus VAT)
Inheritance tax, now and after April 2027
up to £295
Elsewhere: One hour with a tax adviser
The care-fees answer, with the arithmetic
up to £295
Elsewhere: One hour with a care-fees specialist
Power of attorney pack
up to £800
Elsewhere: Solicitor preparing two LPAs (government fee extra either way)
The family sheet
Only included in The House Plan
Only included in The House Plan
Our team's check, and the Budget update
Only included in The House Plan
Only included in The House Plan
Prices from a solicitor’s published price list, Which? and GOV.UK. A solicitor gives regulated advice; the plan gives you your own figures and a will drafted from your answers, checked by our team.
How it compares, and where the prices come from
| What you get | Online will site£99 to £300 | Solicitor£650 to £1,128+ | The House Plan£89 once |
|---|---|---|---|
| A will you can sign | A template you fill in | Drafted at an appointment | Drafted from your answers, checked by our team |
| Should the house go into a trust? | No. Not covered | Only if you ask, by the hour (£142 to £295) | Explained for you, and drafted into the will if you want it |
| Inheritance tax, now and after April 2027 | No. Not covered | By the hour (£142 to £295) | Your own figures for both dates |
| Will the house be sold for care? | No. Not covered | By the hour (£142 to £295) | Yes or no, with the arithmetic |
| Power of attorney pack (the government fee is extra either way) | £99 to £150 extra to check the forms | £500 to £800 extra for two LPAs | Included: both forms section by section, signing order, checklist |
| What it costs | £99 to £150 for the will, £99 to £150 more for the forms | £650 to £1,128 or more | £89 once, everything above |
A will you can sign
Should the house go into a trust?
Inheritance tax, now and after April 2027
Will the house be sold for care?
Power of attorney pack (the government fee is extra either way)
What it costs
Prices from Which?, Co-op Legal Services and GOV.UK’s guideline hourly rates, checked October 2026 (sources). A solicitor gives regulated legal advice; we do not. If your plan flags a case that needs a solicitor, you will still need one.
The will is the published price of a will with a life interest trust, the trust that lets a partner stay in the house while the children inherit, at Peacock Law and Eric Robinson Solicitors (£995 plus VAT). Each hour is GOV.UK’s 2026 guideline rate for a senior solicitor outside London. The powers of attorney are the top of the £500 to £800 Which? says a solicitor typically charges.
Every source is dated on our sources page.
What the evidence says
“Wills matter! Power of attorney arguably matters more.”
More than three in four people aged 40 or over have no power of attorney.
Six in ten over-45s think a year of residential care costs under £60,000. The real figure is £66,000 to £80,000.
None of these sources has reviewed or endorses House & Heirs. Each is dated on our sources page.
Satisfaction guarantee
If it is not what you need, you pay nothing
Not for you? One email within 14 days and every penny is refunded the same day. No form, no questions, no phone call.
Questions before you buy
Is the will legally valid?
Yes, once it is signed properly. In England and Wales that means in writing, signed by you in front of two adult witnesses, who then sign in front of you. Will writing is not reserved to solicitors. The plan drafts it with the STEP Standard Provisions, a published form of words many solicitors use, adds extra papers when your situation needs them (such as a letter for your GP about capacity), and our team checks it against your answers. If your estate needs a solicitor, the plan says so and gives you no draft to sign.
What if my situation is complicated?
Most situations are handled in the will: a second marriage or step-children, leaving someone out (with a signed statement of your reasons), a home owned jointly, or a trust that lets your partner stay in the home for life. A few need a solicitor: a home outside England and Wales, property or money abroad, a farm, a business or company shares, someone inheriting who receives means-tested benefits or cannot manage money, a promise between a couple never to change their wills (mutual wills), conditions attached to a gift or a diagnosis affecting memory or thinking, where the person helping inherits or someone is left out. Then the plan says so plainly and turns your answers into complete instructions to take to one. You still get everything else, and the refund promise still applies. A large estate does not need a solicitor for the will: the plan shows the inheritance tax and suggests a regulated adviser for planning.
Is there a refund?
Yes, our satisfaction guarantee. Within 14 days of buying, one email and it is refunded in full the same day.
Do I need to be good with computers?
No. One question at a time, in big type, with no account or password. It saves as you go.
Doing this for Mum or Dad?
Choose “My mum or dad” when you buy. You can fill it in and share the link with them. Nothing is signed or decided on the screen: the will is theirs to read and sign.
Is it advice?
No. It is information, your own figures and a will drafted from your answers. Only a solicitor or an FCA-authorised adviser can advise. We are not a law firm, and we say so on every page.
What happens after the Budget on 28 October 2026?
We update the rules and email you if your figures change. The April 2027 pension change is already built in.
Quick, guided questions. We write it, check it and post it to you.
£89 once. Satisfaction guarantee: a full refund within 14 days.