The House Plan · one payment of £89 · no subscription
Your will written. Your house protected. Your inheritance tax worked out.
For homeowners over 55 and the families helping them. Answer plain-English questions on your phone or laptop, at your own pace. A person checks it. Your complete pack is ready within 2 working days.
- Full refund within 14 days, one email
- Secure payment by Stripe, no account
- No phone calls needed, ever
- Rules checked September 2026, sources listed
Two dates that matter: the Budget on 28 October 2026 may change the rules, and on 6 April 2027 pensions join the estate. Plans bought now include the update after both.
Everything in The House Plan
Six things every family over 55 needs, done once, in one place
Your will, written
Drafted from your answers, checked by a person, printed and signed at your kitchen table with two witnesses.
The house-in-a-trust answer
A plain yes or no with the reasons, and the honest position on care fees. Never a lifetime asset-protection trust.
Inheritance tax, now and after April 2027
Your bands and your figures, what the pension change does to the bill, and the gifts that are always free of tax.
Will the house be sold for care?
Whether it would count, when, what the council must ignore, and what would be left for the children, with the arithmetic.
Power of attorney pack
Both government forms mapped field by field, the signing order that avoids rejection, and a checklist.
The family sheet
One printed page that says where everything is: the will, the deeds, the accounts, the passwords' hiding place.
The pages above are illustrations of the layout with example figures. Yours are built from your own answers. Start with the free check to see your figures first.
What it would cost to buy each part separately
Bought separately: £2,150. The House Plan: £89.
| In the plan, and what the same thing costs bought separately | Up to |
|---|---|
| Your will, drafted, checked and ready to signSolicitor-drafted single or mirror will | £600 |
| The house-in-a-trust answerOne hour with a private client solicitor | £350 |
| Inheritance tax, now and after April 2027One hour with a tax adviser | £350 |
| Will the house be sold for care? With the arithmeticOne hour with a care-fees specialist | £350 |
| Power of attorney pack, both forms mappedSolicitor preparing two LPAs (government fee extra either way) | £500 |
| Family sheet: where everything isNot sold separately | — |
| A person checks the whole plan, and the Budget updateNot sold separately | — |
| Total, bought separately | £2,150 |
| The House Plan, everything above | £89 |
| You keep | £2,061 |
Prices are the top of the ranges published by Which?, Co-op Legal Services, MoneyHelper and the GOV.UK solicitors’ guideline hourly rates, September 2026, for a straightforward estate outside London. A solicitor gives regulated advice; the plan gives you your own figures, a will drafted from your answers and a person checking it. The free routes (Free Wills Month, Will Aid, the GOV.UK power of attorney service) are named wherever they apply. Where the prices come from.
Not sure yet? Run the free two-minute check first. It tells you honestly whether you need the plan.
What customers say
Real families, in their own words. Reviews come from the feedback page inside each plan and are shown only with permission.
Customer reviews appear here as they arrive. Every one is from a paying customer who ticked a box to be quoted, shown in their own words with their first name and town. We never invent, buy or edit reviews.
What happens if you do nothing
Not scare stories: these are the rules as they stand, from GOV.UK and the Office of the Public Guardian, and most families meet them for the first time at the worst possible moment.
- £0
What an unmarried partner inherits without a will
Nothing. Married partners get the first £322,000 and half of the rest; the children take the other half, even if that means the house has to be sold to pay them out.
- £23,250
The savings figure above which you pay every penny of care
A care home costs £60,000 to £80,000 a year. Once savings fall below this figure the council steps in, and the house counts as savings unless someone protected lives in it. Most families find out at the assessment.
- 6 April 2027
The day pensions join the estate
Unused pension pots are counted for inheritance tax from this date. Above the bands the rate is 40%. About one in five pensioner households would be over the line, most without knowing it.
- £432
The court fee if you lose capacity without a power of attorney
Your family cannot simply step in. They apply to the Court of Protection for a deputyship: £432 to apply, medical evidence, months of waiting, an annual supervision fee, and the accounts frozen in the meantime. An LPA costs £92 to register now.
Every figure is dated on our sources page. If a rule changes, this page changes the same week.
How it compares
The same six things, and what each route gives you.
| What you get | Do nothing£0 now | Online will site£99 to £300 | Solicitor£350 to £1100+ | The House Plan£89 once |
|---|---|---|---|---|
| A will you can sign | No | Yes | Yes | checked by a person |
| The house-in-a-trust answer | No | No | if you ask | yes or no, with reasons |
| Inheritance tax figures, now and 2027 | No | No | By the hour | your own figures |
| Will the house be sold for care? | No | No | By the hour | with the arithmetic |
| Power of attorney pack | No | £99 to £150 extra | £200 to £500 extra | included |
| Family sheet | No | No | No | included |
| Update after the Budget | No | No | No | included |
| Cost | £0 now, the most later | £99 to £300 | £350 to £1100+ | £89 once |
| Time | Until the crisis | An hour | Weeks and two appointments | About 40 minutes, at your pace |
A will you can sign
The house-in-a-trust answer
Inheritance tax figures, now and 2027
Will the house be sold for care?
Power of attorney pack
Family sheet
Update after the Budget
Cost
Time
Solicitor and online prices from Which? Wills, Co-op Legal Services and MoneyHelper, September 2026. A will with a trust in it, or any estate the plan flags, still needs a solicitor; the plan gets you there ready, with one appointment instead of three.
How it works
Pay and start
Card, Apple Pay or Google Pay. Your private link arrives by email and works on a phone, a tablet or a computer. No password.
One minute
Answer at your own pace
Six short sections: you, your family, the home and money, your wishes for the will, who should act for you, and where everything is. Big type, one question at a time, saves as you go.
About 40 minutes, in one go or over a week
A person checks it, then you print and sign
Your figures are ready the moment you finish. A member of our team reads the whole plan and emails you within 2 working days. Then you print the will, sign it with two witnesses, and send the power of attorney forms to the government.
Within 2 working days
The numbers, and what the evidence says
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.
Our promise
If it is not what you need, you pay nothing
Buy it, look inside, start the sections. If within 14 days you decide it is not for you, one email and the £89 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 a will is valid when it is in writing, signed by you in the presence of two adult witnesses, who then sign in your presence. Will writing is not reserved to solicitors. The plan drafts it from a standard form of words, a person checks it against your answers, and the signing guide walks you through the witnesses. If your estate is one that needs a solicitor, the plan tells you so and does not give you a draft to sign.
Why £89 when a will can be free?
A free will through Free Wills Month or Will Aid is a good route and we point you to it every time. The plan is everything around the will that nobody else does in one place: the house trust answer, the care and tax figures for your own house, the power of attorney pack done right first time, the family sheet, and a person checking the lot.
What if my situation is complicated?
A previous marriage or step-children, a business or overseas property, someone you want to leave out, a dependant on benefits, an estate over £1m, or a will trust for the house: any of these and the plan says clearly that you need a solicitor, and gives you complete instructions to take to one. You still get everything else, and the refund promise still applies.
Is there a refund?
Yes. 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, big type, no account or password, and it saves as you go. Sons and daughters often do it with a parent over a cup of tea.
Doing this for Mum or Dad?
Choose “My mum or dad” when you buy. You can fill everything in and share the link with them. Nothing is signed or decided on the screen; the will is theirs to read and sign, and the check is written for you both.
Is it advice?
No. It is information, your own figures and a will drafted from your answers, set out clearly. 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.
Forty minutes now, or your family finds out later
The House Plan. £89 once. Full refund within 14 days.