Can a free Government LPA end up costing more?

14th July 2025

Updated: Tuesday 17th March 2026

Can a Free Government LPA End Up Costing More? Understanding the Risks

Creating a Lasting Power of Attorney is one of the most important legal steps you can take to protect your future and your family’s peace of mind. While the Office of the Public Guardian offers a free-to-use website to complete your LPA application, doing it alone isn’t always the cost-saving move it seems. In fact, many people who go down the DIY route end up facing bigger issues, both financial and emotional, down the line.

So the important question is, can a free Government LPA end up costing more? In this blog we explain why that “free” LPA could cost you more than you think.

1. LPA Application Mistakes Can Invalidate the Whole Document

The government website lets you apply for a Lasting Power of Attorney online, but it doesn’t guide you through every step. Without expert checks, it’s easy to make simple but critical mistakes, like missing witness signatures, signing in the wrong order or leaving instructions unclear.

If your application is rejected by the Office of the Public Guardian, you’ll need to start over and pay the £82 registration fee again for each LPA. For those applying for both Property & Financial Affairs and Health & Welfare LPAs, that’s £164 wasted.

2. Poor Wording Can Cause Legal Confusion Later

An LPA is a legally binding document, and wording matters. If your preferences or instructions aren’t clear, your attorneys may struggle to act confidently on your behalf. Ambiguity can lead to family disagreements, disputes, or even court involvement, all of which can be costly and emotionally draining.

A guided LPA online service helps you avoid this by ensuring your wishes are clearly and correctly expressed.

3. Missing Safeguards Put You at Risk

When you apply for an LPA through the government website, it’s up to you to identify and appoint a certificate provider: the person who confirms that you’re making the LPA willingly and with full understanding.

Choosing the wrong person or misunderstanding their role can invalidate your lasting power of attorney application, leaving you unprotected when it matters most.

4. Delays Can Cost More Than You Think

DIY applicants often abandon their LPA application midway because of confusion or uncertainty. Unfortunately, delays can have serious consequences.

If you lose mental capacity before your LPA is registered, your loved ones will need to apply to the Court of Protection, a complex process that can take months and cost thousands of pounds in legal fees.

5. “Free” Isn’t Always Flexible or Supported

The government site stops helping you once the forms are submitted. If you need to make corrections, get signing help, or track progress, you’re on your own.

By contrast, platforms like Power of Attorney Online include expert guidance, video walkthroughs, and built-in checks to reduce the risk of rejection, all for a low, transparent price.

The Smart Way to Apply for a Lasting Power of Attorney

Yes, you can create an LPA online for free, but that doesn’t mean it’s the best option. A small upfront investment in a guided Power of Attorney service ensures your forms are completed correctly, submitted smoothly and legally sound.

You’ll save time, avoid costly mistakes and gain lasting peace of mind, knowing your future is protected the right way.

Start your LPA today with full guidance and expert checks for just £99 at Power of Attorney Online.