Wills and Estate Planning in Morpeth
Wills, lasting powers of attorney and trusts for families in Morpeth and mid Northumberland, arranged in your own home by Graeme Stewart, our consultant for Morpeth.
Your first consultation is free. Every price is a fixed fee, confirmed in writing before any work starts. Wills start from £335 for one person and £485 for a couple, including VAT.
Graeme’s Google reviews: 16, average 4.8 out of 5
Your local consultant
Graeme Stewart is the Clarke & Wright estate planning consultant who covers Morpeth. Graeme lives in Prudhoe, about 16 miles away, and sees clients in their own homes in and around Morpeth. Graeme comes to you, sits down at your kitchen table and goes through what you own, who you want to look after and what worries you. There is no office to travel to and no clock running.
The number on this page is Graeme’s own direct line.
Read Graeme’s profile and every Google review from his clients
What we help with
- Wills and will trusts
- Lasting powers of attorney, for property and finance and for health and welfare
- Protecting your share of the home from care fees
- Lifetime and discretionary trusts, where they genuinely suit the family
- Inheritance tax, including farms, rural businesses and pensions
- How the family home is owned, including severing a joint tenancy
- Probate, when someone has died
Morpeth at a glance
Figures are for the Northumberland council area.
House prices over the last two years
The average home in Northumberland has moved from £196,320 in September 2024 to £213,113 in August 2026, up 8.6%.
See the monthly figures
| Month | Average price | On a year earlier |
|---|---|---|
| August 2026 | £213,113 | +4.5% |
| July 2026 | £212,042 | +7.0% |
| June 2026 | £211,430 | +11.5% |
| May 2026 | £206,315 | +6.8% |
| April 2026 | £205,912 | +5.9% |
| March 2026 | £201,679 | +0.7% |
| February 2026 | £202,807 | +3.5% |
| January 2026 | £202,683 | +4.3% |
| December 2025 | £205,706 | +6.1% |
| November 2025 | £204,537 | +4.6% |
| October 2025 | £205,802 | +4.3% |
| September 2025 | £205,018 | +4.4% |
| August 2025 | £203,973 | +5.6% |
| July 2025 | £198,107 | +3.5% |
| June 2025 | £189,585 | +1.3% |
| May 2025 | £193,095 | +4.8% |
| April 2025 | £194,378 | +7.5% |
| March 2025 | £200,261 | +7.1% |
| February 2025 | £195,885 | +4.4% |
| January 2025 | £194,275 | +1.5% |
| December 2024 | £193,949 | +3.5% |
| November 2024 | £195,519 | +3.5% |
| October 2024 | £197,360 | +3.9% |
| September 2024 | £196,320 | +2.4% |
What this means for your planning
The average home in Northumberland is worth about 9 times the £23,250 savings limit for council help with care home fees. For most homeowners here, that means the house, not the savings, is what a care fees assessment could count, which is why how the home is owned and how your wills are written both matter. How property protection works.
House prices: HM Land Registry UK House Price Index, latest month August 2026, updated 11 November 2026 and checked daily; contains HM Land Registry data © Crown copyright and database right 2026, licensed under the Open Government Licence v3.0. Age and home ownership: Office for National Statistics, Census 2021, licensed under the Open Government Licence v3.0.
Where Graeme visits
Morpeth, Pegswood, Longhirst, Ulgham, Widdrington, Longhorsley, Mitford, Hebron, Stannington, Ponteland, Bedlington, Ashington, Felton, Rothbury and Whalton.
Graeme also visits clients near Alnwick, Cramlington, Blyth, Newcastle upon Tyne and Hexham. If you are not sure whether Graeme covers your area, ring and ask.
Other local guides nearby: Stanley, Hexham.
More local guides in the North East.
Questions Morpeth families ask us
We farm, or run a business. Does the 2026 change affect us?
Possibly. From 6 April 2026, Agricultural Property Relief and Business Relief share a single £2.5 million allowance. Above it, relief is restricted to 50%. Many Northumberland farms, estates and family businesses are worth more than they look on paper once the land, the house and the machinery are added together.
How your will is written decides who can use which allowance, so it is worth checking now. Graeme will spot where this matters, and tax advice is given by our associated firm, Mercian Accountants. Read our inheritance tax guide.
Will I have to sell my home to pay for a care home?
Care is arranged and means-tested by Northumberland County Council. In England, if your capital is above £23,250 you pay the full cost of residential care, and your home can count towards that figure. The home is ignored while your spouse or partner, or a relative aged 60 or over, still lives there.
Read Northumberland County Council’s guide to paying for care.
A couple who own their home as tenants in common, each with a will that leaves their share in a life interest trust, can stop the first share being counted if the survivor later needs care. See how property protection works or read our care home fees guide.
Are pensions part of my estate now?
From 6 April 2027, most unused pension funds and pension death benefits come within the estate for inheritance tax. If you have been leaving a pension untouched as the thing you pass on, that plan needs a fresh look before then.
Do I need to come to an office?
No. Graeme visits you at home, at a time that suits you, and family members are welcome to sit in. If you would rather start with a phone call, that is fine too.
How much does it cost?
Every price is a fixed fee that includes VAT, and we confirm it in writing before any work starts. Wills start from £335 for one person and £485 for a couple. Every fee is published on our prices page.
Can you help with probate after a death?
Yes. We can explain what has to be done, what it costs and how long it usually takes, and handle as much of it as you want us to. Read our probate guide.
Free seminars
We don't have a free seminar booked near Morpeth at the moment. Graeme can visit you at home instead, and your first consultation is free.
Who does the work behind your plan
Graeme takes your instructions. Your documents are then prepared by Clarke & Wright’s legal team, which includes an SRA-regulated solicitor who is a Trust and Estate Practitioner (TEP) and a member of the Association of Lifetime Lawyers, a CILEX Chartered Paralegal and a further paralegal.
Any reserved legal documents are drafted by a specialist SRA-regulated drafting firm.
Where tax advice or inheritance tax planning is needed, it is given by our associated firm Mercian Accountants, Chartered Accountants and Chartered Tax Advisers.
Talk to Graeme
Your first consultation is free and carries no obligation.