Person signing a printed document with a pen at a desk, with a closed book beside them.

Making a Will is a crucial step in safeguarding your future wishes, but it’s not just about deciding who inherits what. For a Will to be legally valid and enforceable, it must be made correctly – and with a full understanding of the legal requirements involved.

At Franklins Solicitors, we regularly advise clients who are unaware of the potential pitfalls when it comes to writing and signing a Will. Issues around capacity, execution and DIY or online solutions can lead to serious complications – or even render a Will invalid.

Mental Capacity: A Vital Foundation

For a Will to be valid, the person making it (the testator) must have the mental capacity to do so. This is known as “testamentary capacity” and is a legal requirement under UK law.

The testator must:

  • Understand they are making a Will and what that means
  • Know the extent of their estate (what they own)
  • Understand who they are choosing to benefit and why
  • Not be suffering from any mental disorder that influences their decisions

As we are all living longer, cases involving capacity are becoming more common. Conditions such as dementia or mental health disorders don’t necessarily prevent someone from making a Will, but they do require extra care and often medical evidence to confirm capacity at the time of signing.

If there is any doubt, it is essential to seek professional legal advice early to avoid disputes later.

The Risks of Handwritten and DIY Wills

While it is legally possible to write your own Will by hand, we strongly advise against it. Homemade Wills, including handwritten or downloaded templates, are more prone to errors in language, format, and execution.

These documents are often:

  • Invalid due to incorrect witnessing
  • Vague or contradictory in wording
  • Incomplete in dealing with all assets
  • Unclear about executors, guardians, or tax implications

Selling the Family Home

During their lifetime, people usually do not pay CGT when selling their main home because of Principal Private Residence Relief (PPRR).

For Executors, the rules are different. PPRR is only available if:

  • The property was the main residence of at least one person immediately before and after the death;
  • That person is entitled to at least 75% of the sale proceeds; and
  • The personal representatives make a claim for private residence relief.

A Will may seem straightforward on the surface, but the law surrounding estates, tax, and inheritance is anything but. One missing clause or a poorly chosen word can lead to disputes, delays, or your wishes not being carried out at all.

The Truth About Online Wills

Online Will-writing services are widely advertised, but they often offer a one-size-fits-all approach that lacks the rigour and personalisation of professional advice. They typically do not account for complex family situations, blended families, business ownership, overseas assets, or vulnerable beneficiaries.

Even for seemingly simple estates, we regularly see clients needing to “fix” or challenge Wills made using online platforms – often at much greater cost than having done it properly in the first place.

Incorrect Witnessing Requirements

One of the most common reasons a Will becomes invalid is incorrect witnessing. For a Will to be legally binding, it must be:

  • Signed by the testator in the presence of two independent witnesses
  • Witnessed by two people who are present at the same time
  • Signed by both witnesses in the presence of the testator

Crucially, witnesses cannot be beneficiaries of the Will, nor can they be married to or in a civil partnership with a beneficiary. If a beneficiary acts as a witness, they will lose their inheritance under the Will, though the rest of the document may remain valid.

Example: If you name your daughter as a beneficiary and she witnesses your Will, she will not receive her inheritance. Even if your son-in-law witnesses the Will, your daughter will lose her entitlement because the witness is married to a beneficiary.

Failing to Update After Life Changes

A Will should reflect your current circumstances. Major life events can significantly affect how your estate should be distributed, yet many people forget to review their Will after these changes occur.

Marriage automatically revokes any existing Will unless it was made in contemplation of that specific marriage. This means if you marry after making your Will, you will effectively die intestate unless you make a new Will.

Divorce does not revoke a Will, but it does remove an ex-spouse as a beneficiary or executor – though other provisions remain in place.

We recommend reviewing your Will every five years, or after:

  • Marriage or divorce
  • The birth or adoption of children
  • The death of a beneficiary or executor
  • Significant changes in your financial circumstances
  • Moving abroad or acquiring overseas assets

Not Appointing Guardians for Young Children

If you have children under 18, your Will should name guardians who will care for them if both parents die. Without this provision, the courts will decide who looks after your children – and their decision may not align with your wishes.

This is one of the most important reasons for parents to make a Will, yet it is frequently overlooked in DIY and online Wills, which often fail to prompt for this information.

Frequently Asked Questions

If your Will is not signed in the presence of two independent witnesses who are both present at the same time, it will be invalid. This means your estate will be distributed according to intestacy rules, which may not reflect your wishes at all.

Yes, but they cannot be a beneficiary under your Will or married to a beneficiary. If they are, they will lose their inheritance, though the rest of the Will may remain valid.

Yes. Marriage automatically revokes any Will made before the marriage, unless that Will was specifically made in contemplation of that marriage. You will need to make a new Will after you marry.

Testamentary capacity is the legal term for having the mental ability to make a valid Will. You must understand what a Will is, know the extent of your estate, and comprehend who you are choosing to benefit and why. Without this, your Will can be challenged.

Online Wills can be legally valid if executed correctly, but they often fail to account for complex circumstances and are prone to errors. We regularly see clients needing to challenge or rectify online Wills, often at considerable cost and stress to families.

Not necessarily. Under intestacy rules, if you have children, your spouse will receive your personal possessions and the first £322,000 of your estate, plus half of anything above that. The remainder goes to your children. If you have no children but have living parents or siblings, they may also inherit a share.

Professional Guidance Matters

A valid Will is not just a piece of paper – it’s a legally binding document and arguably one of the most important you will make. Getting it wrong can have life-changing consequences for those you leave behind.

At Franklins, we work closely with our clients to ensure that every Will is:

  • Valid and properly executed
  • Clear and tailored to their unique circumstances
  • Backed by appropriate capacity assessments where needed

  • Reviewed regularly as life evolves

Whether you’re writing your first Will or updating an existing one, our experienced Private Client team is here to support you every step of the way.

If you are concerned about an existing Will or would like to make a new one, contact our Wills and Probate team for clear, practical advice.

Disclaimer: The information provided on this blog is for general informational purposes only and is accurate as of the date of publication. It should not be construed as legal advice. Laws and regulations may change and the content may not reflect the most current legal developments. We recommend consulting with a qualified solicitor for specific legal guidance tailored to your situation.

Written by Kathryn Thornewill TEP
Associate Partner, Wills Trusts and Estate Planning at Franklins Solicitors LLP

Specialises in estate administration, Wills, Lasting Powers of Attorney, Court of Protection and inheritance tax planning. Kathryn is STEP-qualified and delivers tailored, client-focused advice.

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