When couples start thinking about estate planning, one of the first questions they ask is: “Do we need a joint will or mirror wills?”
The answer depends on your circumstances — but for most couples, mirror wills offer a simple, affordable, and effective way to plan together.
At Coastal Legacy, we help couples across Hampshire, Fareham, Gosport, and Portsmouth write mirror wills that protect their loved ones and make their wishes clear.
Here’s what you need to know.
What Are Mirror Wills?
Mirror wills are two separate wills that reflect (or ‘mirror’) each other.
Typically, each person leaves their estate to the other, and then to the same beneficiaries after both partners have passed away.
For example:
- Partner A leaves everything to Partner B.
- Partner B leaves everything to Partner A.
- When both have passed, the estate goes to their children.
It’s simple, fair, and ideal for couples with shared priorities.
How Mirror Wills Differ from a Joint Will
It’s a common misconception that mirror wills are the same as a joint will; but they’re not.
A joint will is not available in the UK.
Mirror wills, on the other hand, are two separate documents. Either partner can change or update their will independently at any time.
✅ That flexibility makes mirror wills much more practical for most couples.
Who Should Consider Mirror Wills
Mirror wills are perfect for:
- Married or long-term couples who want to leave everything to each other
- Parents who want their children to inherit after both partners have died
- Couples with shared assets, such as a home or joint savings
They’re also cost-effective — often less expensive than drafting two completely separate wills.
Advantages of Mirror Wills
- Clarity and simplicity: Both wills clearly reflect shared wishes.
- Fairness: Each partner has equal say.
- Protection: Ensures the surviving partner is provided for.
- Flexibility: Either partner can update their will later.
- Affordability: Usually cheaper than two separate wills.
Points to Keep in Mind
While mirror wills work well for most couples, there are a few things to consider:
- The surviving partner can change their will after the first death, meaning final beneficiaries could be altered.
- If you have children from previous relationships, you might need a trust or special arrangement to ensure everyone is treated fairly.
At Coastal Legacy, we can help you choose the right structure to match your family’s situation.
What Happens If You Don’t Have Mirror Wills
Without a valid will, your estate may be distributed under intestacy rules, which might not reflect your shared intentions — especially for unmarried couples.
Mirror wills ensure both partners are protected and their estate passes as intended.
Planning Together Brings Peace of Mind
Writing mirror wills is a thoughtful, practical way for couples to plan for the future together.
It brings reassurance, fairness, and clarity — knowing that everything you’ve built together will be passed on with care.
At Coastal Legacy, we make the process simple and personal, with professional guidance every step of the way.
👉 Contact Coastal Legacy today to discuss mirror wills with our friendly, expert team across Hampshire.