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Power of Attorney (POA) is a legal authorisation which gives a designated person, termed the agent or attorney-in-fact, the power to act for another person, known as the principal. The agent may be given broad or limited authority to make decisions about the principal’s property, finances, investments, or medical care. You can find out more about this here.
A Court of Protection order is normally used when a Power of Attorney is not already in place. The order gives a deputy, appointed by the court, the permission to manage the affairs for someone who cannot manage them themselves. This happens after they have lost mental capacity.
A written document signed by the customer providing consent for us to discuss matters of the account with a person appointed by them. The powers granted by a LOA are limited normally to information only but are useful when an intermediary is required between Hodge and our customer.
Get in touch with our savings team by email using the link below, or by phone on 0800 028 3746 – it's completely up to you.
Email usIf you hold a joint mortgage, and one party is still living in the property then nothing will happen until that person moves into long term care or passes away. We will require written confirmation from the care home that you have taken up residency so we are able to update your account. No further actions are required as the mortgage obligations are retained by the remaining mortgage holder.
After the last mortgage holder moves into long term care or passes away the mortgage becomes due for redemption. Usually, the outstanding balance is redeemed through the sale of the mortgaged property. On receipt of the full redemption funds, we discharge our interest in the property and it’s title at the Land Registry.
If you want to let us know that you are going into long term care, you can phone us on 0800 731 4076 or email us using the link below.
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