Do I need both types of LPA?
Guidance from Estate Advisory Group
Written and legally reviewed by Ramani Gill TEP, Solicitor and private client practitioner·Last reviewed 13 August 2026
One LPA covers money. The other covers care and treatment. Neither one covers the other, which is why most people make both.
The two LPAs cover different worlds
| Decision | Property & Financial | Health & Welfare |
|---|---|---|
| Paying bills from your bank account | Yes | No |
| Selling your home | Yes | No |
| Choosing a care home | No | Yes |
| Agreeing or refusing treatment | No | Yes |
| Managing pensions and investments | Yes | No |
| Day-to-day care and daily routine | No | Yes |
See the Property & Financial Affairs LPA and the Health & Welfare LPA for the full scope of each.
What a gap actually looks like
Worked example: Alan makes only a financial LPA. Two years later he has a stroke. His daughter can pay his mortgage and manage his savings, but when the hospital wants to discharge him to a care home she has no legal say in which one. The decision is made by the NHS and social work team under a best-interests process, and she can only be consulted.
The reverse gap is just as awkward: a health attorney who cannot pay the care home invoice they have just agreed to.
The cost of making both
- Our fee is £49 for one LPA, or £79 for both together.
- The Office of the Public Guardian charges £92 to register each LPA, so two LPAs means £184 in registration fees.
- Fee reductions and exemptions may apply — see fee exemption and remission.
You can register them at different times
There is no rule that both LPAs must be registered together. Some people prepare both and register the financial one first to spread the OPG fees.
Common questions
Can I make one now and one later?
Yes. There is no deadline and no discount for doing them separately, but making both at once is cheaper with us (£79 rather than £98) and means one set of signing appointments.
Do both LPAs need the same attorneys?
No. See do both LPAs need the same attorneys.
Read next
Where this fits
This page is part of LPA basics. The pages below take it further.
- Make an LPA online
The whole journey end to end: questions, documents, signing and registration.
- Solicitor, GOV.UK or online?
An honest comparison, including when you genuinely should pay a solicitor.
Review and sources
Reviewed by Ramani Gill TEP, Solicitor and private client practitioner. Last reviewed 13 August 2026. We recheck fees, forms and Office of the Public Guardian guidance whenever they change — see our editorial policy.
Official sources
Ready to make your LPA?
Answer five quick questions to check the service suits you, then start online for £49 per LPA.
The Office of the Public Guardian charges a separate £92 to register each LPA.
This is general information about how Lasting Powers of Attorney work in England and Wales. It is not legal advice about your situation. What we do and do not do.
Published by Estate Advisory Group