BEREAVEMENT

What happens to mortgage accounts once we've received the death certificate?

• Joint borrowers - if two or more borrowers jointly own the property which is mortgaged to us, our process will be different depending on how the property is held. We can help you ascertain how it is held (either as joint tenants or tenants in common) and will guide you through the relevant process.
  
  Mortgage terms and conditions will remain the same and it’s important to be aware that mortgage payments must still be made, even where one of the borrowers has passed away. If you think you may have difficulty in meeting these payments, please contact us on 03330 140146.
  
  The mortgaged property must continue to be insured under a comprehensive buildings insurance policy.

• Sole borrowers – as soon as we receive the death certificate no further mortgage payments will be collected but interest will continue to accrue on the account. We’ll release information to the Personal Representative(s) or next of kin which can be used for a Grant of Representation if required.
  
  The mortgaged property must continue to be insured under a comprehensive buildings insurance policy until the property is sold and we ask that we are kept informed of the sale process.

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