Help! More documents.

JCMH

I have put this on the mortgage forum. Not sure which one really.

Can someone please help! My broker has said my application has been assessed and they’ve enquire more information. I am buying my late mums home. One is proof a copy of will and probate. There is no will and probate is letters administration. I have a copy of letters of administration, is this all that would be needed or am I missing something? Thanks 

Keep_pedalling

LoA are the equivalent to probate where there was no will, so yes this is all you need.

Flugelhorn

LOA will be fine but is it a certified copy ? 

JCMH

Yes it is. I am using some of the equity in the property as an deposit. I think I am overthinking things an panicking. Thanks for your replies. 

Dox

JCMH said:

I think I am overthinking things an panicking. Thanks for your replies. 

Yes, you are - time to relax a bit!

JCMH

The lender are saying that LOA are not enough to prove I am the Beneficiary. How else can I prove this?

xylophone

The lender are saying that LOA are not enough to prove I am the Beneficiary. How else can I prove this?

What  documentary proof do they want you to provide?

JCMH

Proof I am sole beneficiary but they’ve not said what that could be.

ames1010

Can you ring them and ask what proof that they want so it can help you with this process? Could be anything from a drivers licence to passport, or a bill- seems vague for you. Who filled in the letters of administration application? Was it you? You have to put your name on that as you have to name beneficiaries on it. 

xylophone

Have you (or your solicitor) asked?

The LR shows your mother as sole proprietor?

Your mother was a widow? Her late husband was your father?

You  are the only surviving child of both parents?

You have their death and marriage certificates and your own birth certificate?

You have other proof of identity as normally required by financial institutions?

With the above and the LoA ( and possibly a sworn statement before a Commissioner for Oaths that to the best of your knowledge and belief there are no other heirs) you should have enough?

Marcon

JCMH said:

Proof I am sole beneficiary but they’ve not said what that could be.

Go back and ask them to clarify.