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A Lasting Power of Attorney (LPA) is a legal document that allows someone (the donor) to appoint one or more people (the attorneys) to make decisions on their behalf if they lose mental capacity or no longer wish to make decisions themselves.
There are two types of LPAs in the UK.
Purpose:
This LPA covers decisions about money, finances, and property.
Key Powers Given to the Attorney(s):
Managing bank accounts
Paying bills and mortgage
Collecting pensions or benefits
Selling or managing property
Making investment decisions (subject to legal restrictions)
When it can be used:
As soon as it is registered, with the donor’s permission
Automatically if the donor loses mental capacity
Purpose:
This LPA covers decisions about healthcare and personal welfare.
Key Powers Given to the Attorney(s):
Medical treatment decisions
Decisions about care or moving into a care home
Daily routine (e.g., diet, dress, hygiene)
Giving or refusing consent to life-sustaining treatment (if explicitly authorised)
When it can be used:
Only if the donor loses mental capacity
Both LPAs must be registered with the Office of the Public Guardian (OPG) to be valid.
You can choose different attorneys for each LPA or the same person(s) for both.
You must be 18 or over and have mental capacity to make an LPA.
LPAs cannot be created after losing capacity — it’s a proactive decision.
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LEGAL
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Multi Broker Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. 13090970. Registered Address : Foundry House Suite 20, Waterside Lane, Widnes, United Kingdom, WA8 8GT . Our FCA reference number is 946302.
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