
Helping you manage your lifetime mortgage
If you need help managing your lifetime mortgage you may consider setting up a Power of Attorney.
What is a Power of Attorney?
A Power of Attorney is a legal document that allows you to appoint one or more people to make or help make decisions on your behalf, when you no longer wish or are not able to do so.
Although it’s difficult to think about a time when you won’t be able to make your own decisions, if you were to lose mental capacity, you would not be able to access the money in your lifetime mortgage account unless you had a Power of Attorney set up and registered with us.
Guide to Power of Attorney

Co-op Legal Services
The Co-op Legal Services Executor & Attorney Support Hub has more information on setting up a Power of Attorney and their regulated legal team can provide you with advice and assistance. We have an agreement with Co-op Legal Services who will offer you a 10% discount on their standard fees for setting up a Lasting Power of Attorney.
Understanding mental capacity
Being able to make and communicate decisions at the time you need to make them is called having mental capacity. It means you understand the decision you’re taking, why you need to take it, and the likely outcome
