Property & Financial Affairs LPA

Protect Your Finances Before You Need To

A Property & Financial Affairs LPA gives someone you trust the legal authority to manage your money, pay your bills, and make decisions about your property if you're ever unable to do so yourself.

Unlike a Health & Welfare LPA, this document can be used while you still have capacity — with your permission. This makes it useful not just in emergencies, but also for practical situations like managing finances during a hospital stay or while travelling.

Aaron explains everything in plain English and makes sure you're comfortable with every decision before anything is signed.

Who Is This For?

• Anyone over 18 who wants to plan ahead for their financial security
• People approaching retirement who want arrangements in place early
• Anyone with property, savings, or investments to protect
• Business owners who need someone to manage finances if incapacitated
• Families who want to avoid the cost and stress of a Court of Protection application

What's Included in Your Fixed Fee

• A consultation where Aaron helps you choose your attorneys and understand their responsibilities
• Guidance on whether attorneys should act jointly, independently, or a mix of both
• Setting limits and conditions on what your attorneys can do
• Guidance on property decisions, investments, and gifting
• Professional drafting of your LPA by Aaron personally
• Aaron acts as your Certificate Provider — confirming you understand the document
• Full OPG registration so your LPA is ready when you need it

What's Not Included (Available If You Need Them)

• Medical capacity assessment — if there are concerns about your capacity, a formal medical opinion may be required. This is a third-party cost set by the GP or specialist (quoted separately)
• Complex or unusual instructions/restrictions — if you need bespoke conditions beyond standard arrangements (quoted separately)
• Replacement of attorneys after registration — if circumstances change and you need to update your LPA (quoted separately)
• Changes to a registered LPA — amendments after registration require specific legal steps (quoted separately)

Your situation may be entirely straightforward and not require any of these.

What Happens If You Don't Act?

Without an LPA, your family would need to apply to the Court of Protection to manage your finances — a process that typically costs thousands of pounds, takes many months, and means a court-appointed deputy makes decisions instead of someone you've chosen. Even your spouse can be locked out of joint financial decisions without an LPA.

Why Choose Safe Harbour?

• Aaron personally handles your matter from start to finish — never delegated
• Fixed fees confirmed before we begin — no hourly rates, no surprises
• Aaron acts as your Certificate Provider at no extra cost — saving you time and money
• Home visits available across Bridlington and East Yorkshire
• SRA-regulated with full professional indemnity insurance

You May Also Need

• Health & Welfare LPA — a Property & Financial LPA covers your money, but not your care. A Health & Welfare LPA ensures someone you trust can make medical and care decisions too. Save £150 by bundling both into Complete LPA Protection.
• Complete LPA Protection — both LPA types in one streamlined package for the best value
• A Will — if you don't already have one, an LPA and a Will together provide complete protection for your lifetime and beyond