What else is needed and why?

Subsequent to the above, we will then require:

1. Certified identification for the Executors who are listed on the Grant of Probate or Letters of Administration
2. The original or verified copy of the Grant of Probate or Letters of Administration (this can be sent at a later date if it has not yet been obtained)

We require these documents to confirm the date the customer passed away and that the person informing us of the death has the legal authority to administer the estate.

To identify the Executor, or the person with authority to deal with the customer’s affairs, we require a single valid Government issued document with a photograph showing the Executor’s full name and photograph, and either residential address, or date of birth; acceptable documents include:

1. Valid Passport
2. Valid photocard driving licence (full or provisional)
3. National identity card (non-UK nationals)
4. Firearms certificate or shotgun licence
5. Identity card issued by the Electoral Office for Northern Ireland

If the above documentation is not sent to us when we're notified of the passing, we will request the documents needed once we have been notified.

You can rest assured that we maintain a duty of care over any data shared with us in the event of a customer passing away. This is to ensure the security of the data and is also a preventative measure against fraud or from yours or your loved one’s data being used harmfully.

Does this apply to joint cases?

If you have taken out a joint lifetime mortgage, as a couple, we’ll still need to be informed following the first applicant passing away. At this time, we’ll require the original or a certified copy of the death certificate.

In the event of one applicant passing away, and the loan is still within its early repayment charge (ERC) period, the last remaining applicant has the option to repay the loan early without incurring an ERC for the following three years. For more details on how to do this, please refer to your offer document. Or to see if any additional fees apply, please refer to the tariff of charges document found in your offer pack.

At the time of the last remaining applicant passing away, we will collate and confirm all evidence before arranging closure of the account and redemption of the loan through sale of the property. Alternatively, if you wish to keep the property or sell to another family member, you have the option to repay the loan in full without incurring ERCs at this time.