It's not something we like to think about, but if you or someone on your mortgage was to pass away, your mortgage may be impacted.

Everyone's circumstances are different. We are here to explore options and find solutions.

If you are on the mortgage by yourself, the person assigned to handle your estate will need to let us know of your passing.

If there are other borrowers on your mortgage, someone on the mortgage will need to let us know as soon as they feel able.

What we will ask to see

  • We would need to see a certified copy of the Death Certificate and the Grant of Probate once it is processed.

  • If someone else will be looking after your estate, we will ask for their details so we can maintain contact and discuss your mortgage. This is known as an approved third party.

  • We will need to know your plans for the property and mortgage repayments. For example, will the property be sold to repay the mortgage, or will someone be taking over the mortgage repayments? If death occurs and the loan is repaid via the sale of the property, then no early repayment charges would apply if the mortgage was in a fixed-rate period.

What you need to do

As soon as possible, we need to know what has happened. This will be a difficult time, but our customer support team is here to help.

You can view our support page here.

Things to think about

Life insurance is worth considering, especially when taking out a large debt such as a mortgage. You can have a look at some options here.

Plan for the future by writing a will so that your wishes are clear. You can find some information on this here.

If you would prefer to speak to us, you can email us or start a live chat. We're always happy to arrange a phone call to walk you through your options.

What we will do next

We would conduct new affordability checks on the remaining borrowers (if any) to see if the mortgage is still affordable to continue. This would be the point where the deceased customer is removed from the mortgage.

If any new applicants are being brought onto the mortgage, all previous borrowers must agree to the new party being added. The addition of a new party would follow the same new application process as when the mortgage was originally taken out.

If after the affordability checks, the mortgage was no longer affordable we would look at the individual circumstances and go with the best options for that buying group.

If you have any questions, please reach out to us via email or live chat.

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