Step-by-Step Guide

From blank page to
signed deed in minutes

TrustDoc AI guides you through a structured 5-step wizard, validates entries against UK law, and generates a solicitor-quality Declaration of Trust — entirely free.

Start Your Document →
<10 min
To complete
5 steps
Simple wizard
14 clauses
Generated
£0
Cost

What happens at each step

Every field serves a legal purpose. Click any step to see exactly what we collect and why.

Step 1
Property
Step 2
Trustees
Step 3
Interests
Step 4
Signing
Step 5
AI Draft
1

Property Details

Identify the property beyond all doubt

A Declaration of Trust must identify the property precisely. We require the full postal address as registered with HM Land Registry and the unique title number — both needed for any future Form A restriction application.

Registered address
Must match the Land Registry entry precisely to avoid future challenges
Title number
Enables cross-referencing against the register; required for Form A restriction
Property tenure
Freehold or leasehold affects provisions around subletting and service charges
Purchase price
Establishes the capital base for calculating proportionate contributions
Purchase date
Establishes the relevant date for the trust recital and future CGT calculations
Legal basis
Land Registration Act 2002, s.27 — unregistered interests must be protected; trust interests should be noted by restriction on the register.
2

Trustees

Legal owners — the names on the title deed

In a typical joint property trust, the legal owners (the names on the title deed) are also the trustees. TrustDoc AI supports up to four trustees — the maximum permitted under the Trustee Act 1925.

Full legal name
Must match passports/driving licences and the title register exactly
Current address
Required for the execution clause and any future notice provisions
Date of birth
Flags if any trustee may be under 18 — prohibited under LPA 1925, s.20
Role clarity
Distinguishes legal title holders (trustees) from beneficial owners where different
Legal basis
Trustee Act 1925, s.34 — maximum of four trustees for land; Law of Property Act 1925, s.20 — no infant trustee permitted.
3

Beneficial Interests

Who owns the economic value and in what shares

This is the most legally critical step. The beneficial interest clause defines who actually owns the economic value of the property — overriding any presumption of equal ownership that would otherwise apply under Stack v Dowden [2007] UKHL 17.

Percentage shares
e.g. 70%/30%; must total exactly 100% (validated in real time)
Ownership structure
Tenants in Common (separate shares) or Joint Tenants (right of survivorship)
Deposit ring-fencing
Specify whether initial deposits are returned first or absorbed proportionally
Mortgage contributions
Define how ongoing repayments affect future entitlements on sale
Special terms
Additional provisions around improvements, occupation, and sale conditions
Legal basis
Trusts of Land and Appointment of Trustees Act 1996 (TOLATA); Law of Property Act 1925, s.53(1)(b) — declaration of trust in land must be evidenced in writing.
4

Signing Details

Ensure correct execution as a deed

A Declaration of Trust is a deed and must be executed correctly to be legally binding. Under LP(MP)A 1989, a deed must be signed, witnessed, and delivered. This step pre-fills the execution blocks in your document.

Execution date
The date all parties sign; the document takes effect from this date
Witness full name
Each signatory requires an independent adult witness — printed in the deed
Witness address
Required in the execution clause; HMRC and courts expect this
Witness occupation
Best practice; adds credibility and traceability to the execution
Legal basis
Law of Property (Miscellaneous Provisions) Act 1989, s.1 — requirements for valid deeds: signed, witnessed, delivered.
5

AI Generation

GPT-4o drafts and compliance-checks your deed

Once all data is confirmed, TrustDoc AI sends your inputs to GPT-4o with a structured legal prompt. The AI assembles all 14 standard clauses, cross-checks internal consistency, and a second AI pass runs a compliance review before you download.

14 standard clauses
Recitals, definitions, trust declaration, beneficial interests, mortgage, sale proceeds, dispute resolution, governing law, execution & more
AI compliance review
Second GPT-4o pass cross-checks percentages, name consistency, and legal completeness
Professional formatting
Signed deed layout with EB Garamond typography, execution blocks, witness lines
Instant PDF download
Download-ready in under 3 minutes — no account or payment required
Note
TrustDoc AI is a document generation tool, not a substitute for legal advice. We recommend having complex arrangements reviewed by a qualified solicitor before signing.

TrustDoc AI vs your alternatives

See how we compare to the DIY approach and instructing a solicitor.

Feature DIY Template High Street Solicitor TrustDoc AI
Cost £0–£30 £500–£1,500 Free
Time to document 2–5 hours 3–14 days Under 10 minutes
UK law compliance check
All 14 standard clauses Partial
Covers up to 4 trustees Varies
Available 24/7
No account required
PDF with deed formatting Basic
Legal advice included
Suitable for complex disputes No Yes No

Built on correct statutory foundations

Every clause in your document is grounded in current UK legislation. Here are the seven key statutes our template addresses.

LPA 1925

Law of Property Act 1925, s.53(1)(b)

Requires that a declaration of trust in land must be manifested and proved by some writing signed by the person able to declare it. This is the foundational requirement our document satisfies.

TLATA 1996

Trusts of Land & Appointment of Trustees Act 1996

Governs co-ownership of land held on trust. Provides the framework for trustees' powers and the rights of beneficiaries to occupy and sell. Our beneficial interest and occupation clauses are drafted to TOLATA standards.

LP(MP)A 1989

Law of Property (Miscellaneous Provisions) Act 1989, s.1

Sets out the formal requirements for valid execution of a deed: in writing, signed in the presence of a witness who attests the signature, and delivered. Our execution clause and signing blocks comply fully.

LRA 2002

Land Registration Act 2002

Governs registration of interests in land. A Declaration of Trust should be supported by a Form A restriction on the title register to protect beneficial interests. Our document includes guidance on this.

TA 1925

Trustee Act 1925

Defines the powers and obligations of trustees. Section 34 limits the number of trustees for land to four. Our wizard enforces this limit. Section 20 prohibits infant trustees.

SDLTA 2003

Stamp Duty Land Tax Act 2003

A Declaration of Trust itself is not a chargeable transaction, but the underlying acquisition may be. Our document includes a recital noting the acquisition date and price — relevant for SDLT records and future CGT.

MCA 1973

Matrimonial Causes Act 1973 & Civil Partnership Act 2004

Courts have broad powers to vary property rights on divorce or dissolution, regardless of a Declaration of Trust. Our document clearly notes this limitation in the disclaimer clause.

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