Property & Estate
How you own something matters as much as what you own.
Property is usually the biggest asset in an estate, and the way it’s owned, mortgaged and structured shapes what happens to it. We help you understand the picture, not just the paperwork.
What we look at
The structure behind your estate.
Main residence
How your home is owned, and what that means for what happens to it.
Investment & overseas property
Additional properties bring additional complexity, tax considerations and jurisdictional questions.
Mortgages
Who the mortgage is with, how it’s secured, and what happens to the debt.
Ownership structure
Joint tenants vs tenants in common, a distinction many owners don’t realise they’ve made.
Property portfolios
Multiple properties, companies and ownership structures need coordinated planning.
Beneficiaries & ownership alignment
Ensuring who you want to inherit actually can, given how the asset is currently owned.
Why this matters
“Who is the mortgage with?”
It’s one of the most common questions families are left unable to answer. Property & estate planning isn’t only about who inherits. It’s about understanding what you have, how it’s owned, what’s secured against it, and whether your current structure actually reflects your wishes.
A common oversight
Many couples own their home as joint tenants, meaning it passes automatically to the survivor. That’s not always what people want, particularly in blended families, or where there are children from previous relationships.
Understanding ownership structure is the first step to making your estate do what you actually intend.
Understand your estate
Know what you have, and how it’s actually owned.
The free What If? Test asks whether your property ownership and mortgage information could be found without you. Take it and see where you stand.