North East Mortgages - Mortgage Brokers & Protection Advisers
North East Mortgages - Mortgage Brokers & Protection Advisers

What is a Will?

A will is a legal declaration of how you want to dispose of your property on your death. In order for it to be valid it must comply with certain requirements.

  • It must be in writing, you should appoint someone to carry out the instructions (an executor) and dispose of possessions/property.
  • It must be signed by the person making the will (the testator), or signed on the testators behalf in his or her presence and by his or her direction. This must be done in the presence of two witnesses who then sign the will in the presence of the testator.

 Who can be a witness?

Anyone who:

  • Is not blind
  • Is capable of understanding the nature and effect of what they are doing.
  • Aged 18 or over, and a UK citizen.

However, a witness should not be:

  • A beneficiary in the will; or
  • Married to, or be the civil partner of, a beneficiary.

In these circumstances the will remains valid and a legal document, but the gift to the beneficiary cannot be paid.

Witnesses are only confirming that it is your signature on the will. They do not need to read the will and all the other clauses can be covered up if required.


Making a Will - There are several options:

  • See a solicitor.
  • See a professional Will Writer.
  • DIY using a pre printed will form.
  • DIY using a sheet of plain paper.

It is up to you to decide. A solicitor or Will Writer should be able to advise you on the best way to draw up your will, so that it properly reflects what you want, and most importantly that it is valid. Doing ityourself may be fine for you, but if you make a mistake, it can be costly and distressing for your beneficiaries, especially if it turns out not to be valid.



North East Mortgages
31 Prensgarth Way  
South Shields

NE34 9HD

Telephone: 0191 4899291

Mobile:       07887 882755




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