Deed of trust – flexible written agreements

Circumstances change.

A declaration of trust records what should happen when they do.

Helping to buy a property in England or Wales.

A declaration of trust is a convenient way of recording how the equity in a property is shared without affecting the legal ownership or mortgage.

Helping a child or family member with a deposit or money for an extension is on the increase, with nearly 60% of all first time buyers needing financial assistance.

59% of first time buyers received help with a deposit from family or friends.

27% of all buyers received help with a deposit.

Help towards deposits totalled £5.7 billion.

The average deposit was £20,000.

Research from the Building Societies Association in 2018

If you’re helping your child, friend or other family member to buy or renovate their home, learn more first about how a declaration of trust can be of use.

How it works


Fill in the form and send your details to us to check.


We will check your details to make sure we can help.


Give the go ahead and we will invoice you.


We prepare and go over your documents with you.

Gifting a deposit.

We all love our children and many people want to help them buy a home if they can.

They also want to protect themselves from the unexpected and prepare for the inevitable.

Read more here about how to keep a record of a gift of deposit in a deed of trust.

Prepare for the unexpected.

A deed of trust can’t prevent the unexpected, but it can prepare you for it.

Take debt for example. What happens if the person you give a deposit to, unexpectedly can’t pay their bills?

Creditors can only claim against the share of equity that actually belongs to the person who owes the money.

A declaration of trust makes everybody’s share in the property clear and can help you defend money claims over your share.

And for the inevitable …

There is only one certainty in this life, and we don’t like talking about it. Nor do we know exactly when our time is up.

All the more reason to prepare for it.

The last thing you want to have to think about is money or tax at a painfully difficult time.

Read more here about how a deed of trust can help with arrangements in the event of a death.

Get in Touch

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More about charges
Contact us about a deed of trust

Contact details


Property details

Is the property in England or Wales?

It is only possible to create a deed of trust when all of the owners agree to it.

The areas you will need to agree on are:

  1. How much the property is worth;
  2. How much is currently outstanding on any mortgage (if you are in the process of buying the property this will be the amount that is being drawn down on completion day plus any penalties for early repayment etc.);
  3. How much each owner/person involved with the agreement, has paid towards the deposit and other purchase costs – stamp duty, legal fees and so on;
  4. Who is going to live in the property;
  5. Who is initially going to pay the mortgage and the bills (or in what shares);
  6. How long you want the agreement to last.
Do all the owners/people involved with this agreement, agree on the points listed above?
Do you consent to being contacted by email to provide an estimate and to request further details from you?