Reader TTS

MATTHEW CAMERON, PARTNER WITH ASHTONS LEGAL, ANSWERS A READER QUERY Reader Question: My wife has children from a previous marriage; we do not have children together. We own our home in

France. How should we protect the survivor in the event of one of us dying? Is a donation entre époux a good idea?  I will assume you are both British, own your French property but not en

tontine (which would ensure the survivor inherits the house absolutely), and the husband does not have children.  The donation entre époux is like a will, signed before a notaire, governing

what will happen to the estate of a couple at the time of each of their deaths.  It can be treated in the same way as if a married couple have prepared mirror wills.  So the first answer is

that a donation entre époux would not offer any greater options than are available through a will, as either would have the same result.  The next thing to consider is what you would expect

in terms of protecting the survivor.  If that would entail absolute ownership of the house, that might be fine, depending on who dies first.  If the husband has no children and dies first,

then a will leaving everything to the wife would work.  If the wife is first to die, she could leave everything to the husband in a will, if she elects for English law to apply. Read more:

Succession planning in France can highlight cultural differences STATUS AS FRENCH RESIDENTS MAKES INHERITANCE COMPLEX However, as husband and wife are French residents, her children could

claim against him, as they have effectively been disinherited. Or, if the husband would be satisfied with living in the property for his lifetime, the wife could allow French law to apply

and grant him a life interest (usufruit).  The wife’s will would effectively leave her estate to her children, subject to the husband’s right to use the house in his lifetime.  On his death,

her children become owners. This response is only an overview. Only a detailed analysis of your situation would confirm what would be the most suitable options.  It gives no consideration

to any potential inheritance tax.  Read more: Why have French notaires said my husband’s UK will is not valid?