Having worked hard to buy your own home understandably you want to ensure that it will ultimately pass to your family and that it will be protected for their benefit.

Yet many people don’t realise that when we older we are more likely than ever before to end up in a care home or need residential care.

If you go into care the Local Authority can take almost everything you own to pay for your care and yes that includes your home.

No matter which political party is in power, no government can afford to change this policy.

To try and prevent this problem and to try to avoid losing their home many people transfer the ownership of their house to their children now, but this presents problems.