The complication here, Stilly, is funding for long term care. Although our NHS provides health care from cradle to grave, that does not cover social care for such things as dementia. A local authority can claim costs against your assetts, including property. If someone is still living in the house they cannot claim it but if, for instance, I was to snuff it and in later years my wife had to go into care, the local authority could insist that the house be sold to pay for care. If it is in trust they cannot but they may try to claim that we put the house in trust to avoid care costs and force a sale anyway! As I said earlier, it does need professional legal advice as it is a minefield but thanks for the input anyway.