If the mortgage was only in the deceased one's name, they're known as a sole borrower. This means the mortgage is a debt of their estate and must be repaid in full. The money to do this usually comes from a life policy, the estate, or from selling the property.
Before we can give you full information about the mortgage, we need to see the original Grant of Probate letters of administration or certificate of confirmation (in Scotland).
We can, however, let you know the mortgage balance and monthly payment amount so you can seek a grant of probate and make the mortgage payments. To get this information, which will be sent to the mortgaged address, you’ll need to show us the original death certificate, a coroner’s interim certificate or a death certificate verification form from your solicitor. You might also need to provide some identification before we can release any of this information.
We can't transfer the mortgage to anyone else, unfortunately. If it's appropriate, you or someone else can apply for a new mortgage for the property, but we're unable to guarantee that we can accept the application. You or any other new borrower would need to go through a full application process so we can check that we're able to offer a mortgage.
If you've inherited the property, you might be able to apply for a new mortgage. However, you won't be able to make changes to the existing mortgage.