This website is for use by customers. Brokers should use the intermediary site .

Following Bereavement

The loss of a loved one is a particularly difficult time. We're here to offer help and support.

First steps

  1. Register the death.

    You’ll need to register the death at any local registry office (within 5 days in England and Wales and 8 days in Scotland). For Government advice on how to register a death and to locate your nearest registry office go to gov.uk/register-a-death. Once you’ve registered the death you will be given a death certificate. It's probably worth asking for a few copies as this could help you deal with some of the more practical matters quicker.

  2. Funeral Arrangements.

    It’s important to say goodbye and a Funeral Director should be able to guide you through all of your options for arranging a funeral. Citizens Advice recommends finding a Funeral Director through a professional association, such as the National Association of Funeral Directors.

  3. The Will.

    You’ll need to find out whether or not there is a will. If you do not know, the deceased’s solicitor and bank are good places to start and there’s more advice here.


Next Steps –

Mortgages: What to do

At this time, the most important thing to be aware of with a mortgage account is that the mortgage payments must still be made, even when a borrower has passed away.

If you think you may have difficulty making the mortgage payments, you can call our Bereavement Team on 01274 705 941*. They’ll put through to a colleague who will be able to help you work out a payment plan. They’ll also be able to provide specific advice relating to the type of products held.

  1. Register the death.

    You’ll need to register the death at any local registry office (within 5 days in England and Wales and 8 days in Scotland). Once you’ve registered the death you will be given a death certificate.

  2. Provide us with a copy of the Death certificate.

    Call into any one of our branches or post the certificate to our Bereavement Team (Contact details are listed to the right).


What happens after the death has been registered?

This depends on whether the mortgage is joint or solely held. Please select from below for more information:

Sole borrowers

What happens after the death has been registered?

Once the death has been registered we will need to see the original Grant of Probate so that we can note the Executor(s) names on our records. If the deceased passed away without leaving a Will, we will need to see the original Grant of Letters of Administration.

The account will then need to be repaid, either from:

  • The sale proceeds of the property
  • The proceeds of a life insurance policy.

However, in some circumstances and with our consent, the property and the responsibility for the mortgage may be transferred to another person. This requires the completion of a transfer of equity application form. Interest will be charged on the account until it has been repaid in full.

What address will you write to?

We will write to the Personal Representative(s) of the deceased at the borrowers property address. Please note we will only be able to send information about the mortgage to the Personal Representative(s) once they have provided evidence that they are authorised to deal with the administration of the estate.

Joint borrowers

What happens after the death has been registered?

For joint mortgages, we will need to see the original Death Certificate. We will then remove the deceased borrower’s name from the mortgage. This means that the surviving borrower is then solely responsible for repaying the mortgage.

Property Ownership

Property ownership depends on whether the property was held as joint tenants or as tenants in common.

  • Joint Tenants: The deceased’s interest in the property will automatically transfer to the survivor(s).

  • Tenants in Common: When borrowers hold a property as ‘Tenants in Common’ (where each borrower has a specific share in the property) the deceased’s share will not pass automatically to the other borrower. Once the death has been registered, you will need to seek the help of a solicitor to deal with the deceased borrower’s share of the estate.

  • Life Policies: If there are any life insurance policies in place, you’ll need to contact the policy provider to put a claim in place.

Manage preferences

Select the cookies that you are happy for us to collect in order to personalise and enhance your experience.

Your preferences will be valid for 12 months. You can review your choices at any time in your browser settings. To find out how to manage your cookies and what information is being collected read our Cookies policy

Cookies strictly necessary

Essential for the functioning of the website. These allow you to browse and navigate our site.

Performance (analytics) cookies

Used to understand how people use our website. These allow us to track users through the site so we can make informed decisions on improvements. These cookies don't collect information that identifies a visitor.

Advertising cookies

Used to try and understand which of our products and services are relevant to you.

Save changes