Since the 1960s, owning an idyllic holiday or retirement villa in a beautiful corner of Spain has been a dream for many people. 
 
It’s estimated that 800,000 to 1 million homes in Spain are owned by British citizens, with over 380,000 living there full-time. 
 
Many British property owners in Spain are retirees with grown-up families. If this sounds like you or a family member it is important to give some thought to what should happen to property and assets in the UK and in Spain. 
Recent freedoms for people with pension savings provide more choice about how they can be used. 
 
If you are looking for a guaranteed income for life you can still buy an annuity. If you want more flexibility, you could take a cash lump sum and manage the rest of your savings throughout your retirement. 
 
There’s even free PensionWise guidance from the government if you’re over 50, to help you make good decisions, depending on your circumstances 
Family members, most frequently parents, worry about how to provide for a relative who is, or who could become, vulnerable. 

Who is vulnerable? 

Of course, we could all become vulnerable at some point in our lives due to accident, illness, or changes in our circumstances. 
 
However, more generally someone could be described as vulnerable if they: 
aren’t educationally or emotionally mature for their age 
don’t understand how to manage their finances 
depend on ‘means tested’ benefits for their day to day needs because they are unable to work, for example. 
People are now more than ever realising that their affairs should be put in order. And with the situation as it currently is, there is a sharp rise in people suddenly jumping on the bandwagon and setting themselves up in their bedroom as Will Writers, offering cheap online Wills. So why should you choose someone like Angela Jane Will Writing over a online cheap will? 
We’re all learning to use technology in our daily lives, from banking, reading the news or looking for a dinner recipe but should you make an online Will? 
 
Here are some things you should know. 
Laptop with government website Wills page
People are asking whether, because of the requirement to have two witnesses, it is possible to create a valid Will during the current coronavirus lockdown. 
 
Currently, your Will must be in writing and be signed and dated by you or by another person ‘in your presence and at your direction’. If someone else signs your Will then it is a good idea to keep record with your Will of why this was necessary. 
 
You will also need two or more witnesses who are present when you sign your Will. Witnesses must be over 18, they must not be partially sighted and must have the mental capacity to understand what they are doing and what it means. The reason two independent witnesses are essential is to prove, if needed, that your Will was properly executed. 
 
The obvious solution during the current lockdown might be to ask people in your house to sign your Will, but they can only do this if they and their spouses are not beneficiaries of your Will. They would lose their inheritance by witnessing your Will. 
We usually expect a Will to be a paper document that has been signed with a pen and ink, but there are some more unusual ways to do it. 
 
Some of them perfectly acceptable and legally binding, but others could be invalid, leaving you intestate
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