Peace of mind today for a more secure tomorrow.

Over fifty percent of adults in the United Kingdom don’t have a will. Are you among them? As uncomfortable as it is to discuss our own mortality, even more uncomfortable is how vulnerable we are, not to mention our loved ones and our assets if we pass away without a plan.

Get things started the right way.

Why is a will good to have right now?

You can’t live like there’s no tomorrow if you don’t have a plan in place today. With a will and/or estate plan, you can:

Distribute Assets Your Way alt

Distribute Assets Your Way

Ensure your assets are distributed in accordance with your wishes.

Ensure Your Legacys Future

Ensure Your Legacy’s Future

Secure your legacy for those who will carry it into the future.

Safeguard Your Children’s Future

Put protections in place for minor children if the unthinkable happens before they reach 18.

Power of Attorney Protection

Power of Attorney Protection

With an estate plan that includes power of attorney, you can also put protection in place for yourself if you become unable to manage your own affairs.

Let Hearthstone draft documents to protect …

Your Home.

It doesn’t matter whether your affairs are modest or magnificent. A will ensures that your hopes for the future are realised.

Your Life.

A well designed estate plan can secure quality of life in the face of debilitating events like a stroke, an accident, or the onset of a degenerative condition like dementia. This documentation secures your investments, assets, and the legacy you’ve spent building so they can thrive even if you aren’t at the helm.

Your Family.

Did you know that if you pass away without a will before your children turn 18, they will likely go into social care rather than the care of your surviving family members? A will and estate don’t just protect your family’s interests, it can keep them together.

Your vision for the future.

A standard will might not protect against what Government and Local Authorities can throw at your survivors. To know exactly what you need to keep your legacy secure, you need specialist advice from professionals backed by the experts at APS Legal & Associates.

Why Hearthstone?

Because the only thing that matters more than having protection in place, is having someone you trust to put it together.

By partnering with Hearthstone, you get:

  • A professional team that takes care of you the way you take care of your family.
  • Specialist advice from professionals who have their fingers on the pulse of this industry.
  • A people-first approach that tailors your plan to your needs; not “one-size-fits-all.”
  • A cost-effective service when compared to solicitors and banks.

Services you can trust from people who get it.

Consultations are free and transparent, and we’re happy to arrange in-person meetings with our knowledgeable advisers whose expertise includes services like:

  • Property Protection Trust
  • Inheritance Tax Planning
  • Flexible Life Interest Trusts
  • Single & Mirror Wills
  • Disabled Discretionary Trusts
  • Discretionary Trusts
  • Lasting Powers of Attorney
  • Advanced Decision
  • Right of Residence
  • First Registration of Property
  • Transfer of Property Ownership
  • Secure Document Storage
  • Deed of Severance

Protect the life you’ve built for the people you love.

Book a 1-to-1 with a Hearthstone adviser today.

What our customers think:

Luisa ValentiLuisa Valenti
10:19 22 Apr 24
Outstanding… I cannot recommend Hearthstone Mortgages highly enough. Ajay and his team go above and beyond to ensure a smooth running process. They recently secured me a highly competitive mortgage rate on a very difficult off-plan development. Communication throughout the process was exceptionally. A professional yet friendly company. They are now looking after my entire portfolio of properties… Thankyou!!
Paul SmithPaul Smith
09:22 17 Apr 24
Fabulous from start to finish! Hands on, helpful, and extremely resourceful. Have no reservations about recommending Ajay and his team, first class!
Georgia Bellis-JonesGeorgia Bellis-Jones
11:48 04 Apr 24
You couldn’t find a better mortgage broker. Ajay & Jordanne know the market and lenders inside out, and they go above and beyond to help you secure the best offer and push things along. I have worked with them on a a mortgage for my own home and a mortgage for a BTL, and I’d say one of their biggest strengths is that they really understand property investment and therefore know exactly what’s possible for BTL/HMO/SA etc mortgages (not always the case with other brokers). Highly recommend!
niven macvicarniven macvicar
14:26 03 Apr 24
Jordanne was spot on, fast and efficient in getting me the mortgages and refinances I was looking for. Even in difficult places like cemeteries. :)Keep up the great work. Would 100% recommend and use again.
Jake FollyJake Folly
13:34 02 Apr 24
Working with Ajay & Jordanne is one of the best decisions we have made.Their knowledge in property and mortgages is unbeatable and they provide the highest quality service. They are honest, ethical and willing to go a thousand miles above and beyond and I have full faith that they will continue to be the best in the market.I would highly recommend to anyone to work with Hearthstone Mortgages.
Anneka KAnneka K
13:14 02 Apr 24
Jordanne Whiley is my broker and she is 1000% the best broker anyone could ever ask for! She is so knowledgeable and talented in all aspects of property mortgages, lending and investing. She goes above and beyond what anyone could ever wish for in a broker and fights your corner treating each deal as her own. Not only did she get me started on my property business but she has massively helped me start out and answered so many of the questions I had with so much patience, kindness and knowledge. Every single person I meet who needs a broker I send her way without hesitation because I couldn't recommend anyone else more highly! Thank you Jordanne!!!
Kashif SharifKashif Sharif
15:32 22 Sep 23
The team at Hearthstone Mortgages recently managed my re-mortgage. Their service was very professional, swift, and ultra efficient. I am absolutely delighted with how the process went from start to finish, and I would highly recommend doing business with them.
Gary CorbettGary Corbett
18:08 15 Sep 23
Incredible service and advice from start to finish. When you work with Ajay you feel that your deal matters to him as much as it matters to you.A great addition to any power team, I look forward to working with Ajay on our next project.Highly recommend!
Sandra BSandra B
13:45 31 Aug 23
Best experience with a mortgage broker in a long time. Very responsive and reliable. Special thanks to Jordanne, highly recommend them!
Lee TomlinsonLee Tomlinson
22:33 30 Aug 23
I've worked with Hearthstone Mortgages on a number of occasions and have a great relationship with them. They have found me some great deals and communication is great whenever I need support. We'll certainly work together in the future.
Joe NewmanJoe Newman
17:20 22 Aug 23
Had an excellent experience dealing with both Ajay and Nadine who assisted my limited company with a remortgage and purchase at the same time. Would highly recommend and will definitely use again in the future.
joey awaritefejoey awaritefe
20:38 17 Aug 23
Hearthstone Mortgages were great at supporting us with first getting a bridging loan, and then securing a buy to let mortgage.Ajay was able to provide guidance throughout the processes and Nadine was always on hand to ensure things were ticking along and to answer any queries.
Jason EdgeJason Edge
22:04 16 Aug 23
Used Hearthstone for the first remortgage in our portfolio. Jordanne was very helpful through the whole process and a pleasure to work with. In you need advice or a mortgage of any kind I would highly recommend them. Thanks again
Jamie BoxallJamie Boxall
11:07 16 Aug 23
We have been working with hearthstone now for two years.The team are incredible at what they do they take time to understand your case and really work to get your the right product for you.I strongly recommend Ajay and his team to any investors or for your own residential purchase
Conor HarrisonConor Harrison
18:38 21 Dec 22
Second time I've worked with Ajay at hearthstone and won't be the last! An expert in his field and delivers such a personable and professional service, thanks for everything!
King Panda PropertiesKing Panda Properties
08:12 03 Dec 22
Excellent knowledge, systems and client care, Hearthstone Mortgages has it all!In particular, a portfolio owner herself, Mortgage Advisor Jordanne deserves a special mention. From Day 1 her understanding and attention to my client needs has been outstanding and she is an absolute asset to the business and company owner, Ajay.I wholeheartedly recommend using Hearthstone based on my experiences, be it a private mortgage, BTL, portfolio etc. I will certainly be continuing to use them going forward. Thanks, Jordanne. KPP
Simon CharnockSimon Charnock
17:46 14 Sep 22
Great communication throughout, excellent service, always happy to help and advise making the remortgage of a HMO property very straight forward.Thanks Ajay and teamSimon @ C&W Homes
Carys GreenCarys Green
18:15 11 Jan 22
I can’t fault the service i received for my remortgage. Other advisors were put off with my slightly complicated situation however Ajay made the whole process easy and completely seamless. He also went above and beyond to push forward to completion whilst he was on holiday.Thanks for all your help and looking forward to working with you again in the future.
Dessi DonchevaDessi Doncheva
16:21 13 Mar 21
Couldn't thank Ajay from Hearthstone Mortgages enough for his support, professionalism and responsiveness! Ajay pretty much held our hands through the purchase of our first investment property, guiding us through the process, explaining every detail I questioned on the mortgage documents and doing his best to speed up the purchase at a time when solicitors and lenders were being inundated with work and slowing things down. When our mortgage offer expired, Ajay got right on it and even got us a better rate! Not to mention, he was even chasing our solicitors and escalated the case internally as the solicitor handling our case wasn't very on top of things, so Ajay got them changed, leading to the purchase completing within a few weeks afterwards. All of this for a very fair price - what you pay is much less than what you get! Thoroughly recommend Ajay and the team and will be using them again in the future for sure!
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Wills and Estates FAQs

Put simply, a Will, otherwise known as a Last Will and Testament, is a legally binding document that details a person’s wishes for their assets, etc., after they have passed away. You need one because without this document, there is no guarantee that your assets, wealth, or even the care of children under 18 will be cared for as you would prefer in the event of your passing.

For your will to be legal, you must be an adult aged 18 or older of sound mind and body, putting the document together voluntarily. You are also required to have the document witnessed by two adults over the age of 18, who are then required to also sign the document in your presence. If you are unable to attend, you can ask someone to sign on your behalf. In England and Wales, you and your witnesses can sign your will remotely (via video conferencing). When you select witnesses for your will, be aware that they cannot be left anything in your will.

Wills and Powers of Attorney both provide a level of security to you in the event of the unforeseen and the unthinkable, but they do so in different ways. The easiest difference between the two documents is that with a will you are dictating what happens to your assets after you die. With a power of attorney, you are dictating who is allowed to make key decisions about your assets and/or your medical care if something happens to render you unable while you are still alive.

If you pass away without a will in place (known as dying intestate), your wealth and assets, as well as arrangements for any minor children will be distributed according to predefined legal rules known as the “rules of intestacy.” The result is the very real possibility that your estate will not be distributed how you’d prefer.

The short answer to this is yes. The more complex answer is that there are only two ways to go about it: either make a “codicil” to your will or write a new one. A codicil is like an amendment to your existing will and is a good way to make small changes to your will as life goes on. If something very big has changed since you originally wrote your will, however, (marriage, divorce, children, inheritance, changing the executor of the current will) you should consider writing a new document entirely.

Yes, you can write your own will. We wouldn’t recommend it though. As with most things in life, doing it yourself without the advice and support of someone very knowledgeable in this area can mean missing details or making mistakes that result in pitfalls down the road (if not long-term). By contrast, an experienced, professional estate planner and will writer, can make sure your documents are robust, valid, and address all of your needs, offering you unparalleled peace of mind.

To understand estate planning, you must first understand what an estate is. An estate consists of everything that makes up an individual’s net worth. That means land and real estate, insurance policies, financial securities, cash, jewellery, investments, vehicles, and any other assets and liabilities a person owns or has a controlling interest in. Thus, estate planning is the act of drawing up a plan for how your estate will be transferred to beneficiaries and next of kin. An estate plan can include your final will and testament as well as a power of attorney, but also can include trusts, business succession plans, charitable donations, and more. A thorough understanding of tax implications is required to maximize effective estate planning.

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