Staying in our home

vickyholly

My husband only passed away yesterday, my head is spinning, please can someone put my worry to rest. , Our morgage is only in my husbands name because i had a rubbish credit score, he has left a will with 100% of everything left to me, obviously it has to go to  probate, but i read this takes months.He has life insurance that will pay of the remainder of the morgage , is that all tied up in probate too? also will have 4 times salary pension payout from him

theoretica

It will be fine - the mortgage lender's bereavement team will know it takes time to get sorted and for life insurance to pay out. 

SiliconChip

Sorry for your loss, first of all, don't panic! From what you say the mortgage will be paid off in due course, so if you advise the mortgage lender of that I'm sure they will allow you the time needed for that to happen.

I'm not sure that you will need probate, I suggest when your head is a bit clearer that you follow the advice on the gov.uk site, starting with the section Check if probate is needed

https://www.gov.uk/applying-for-probate 

In particular note this:

You may not need probate if the person who died:

• had jointly owned land, property, shares or money - these will automatically pass to the surviving owners
• only had savings

If it turns out that you do need probate it needn't necessarily take months, my mum died on October 11th and probate (which I applied for myself) was granted less than 5 weeks later. If it's a straightforward estate it's much more likely to be dealt with speedily.

vickyholly

ok thankyou, i thought because the property is only in his name i had to get probate? think its a straightforward estate, everything left to me, house ,a car and a few premium bonds

Torry_Quine

Take a few deep breaths and try to calm yourself. No-one is going to be throwing you out of your home.

At the moment all you have to do is take care of yourself and your daughter. I hope you have some support.

vickyholly

i have support, but my heads not right at the mo xx

Robin9

Was your husband still in work ?  Contact your husbands employers and see what Death In Service and Pension payments there will be. 


Take your time to grieve. There's no urgency to do anything other than get the Death Certificates (get perhaps 10), register with "Tell Us Once" and put yourself in the hands of the professional Funeral Undertaker.

Keep_pedalling

Sorry for your loss. Please don’t worry the mortgage company will not be kicking you out of your house, and th3 insurance is not going to form part of your husbands estate so it should pay out before you obtain probate.

vickyholly

Robin9 said:

Was your husband still in work ?  Contact your husbands employers and see what Death In Service and Pension payments there will be. 


Take your time to grieve. There's no urgency to do anything other than get the Death Certificates (get perhaps 10), register with "Tell Us Once" and put yourself in the hands of the professional Funeral Undertaker.

i believe he gets 4 times his annual salary

Savvy_Sue

I thought I posted earlier, but clearly not.

I have never had to claim on mortgage insurance, but other forms of life insurance have always paid out promptly and without fuss. In this case, payment may go straight to the mortgage company. 

If the car is registered / insured in his name, I would recommend dealing with that as soon as you can, likewise the house insurance. 

You may struggle to make phone calls: you've said you've got support, so do ask for help with that. You will have to get through security and confirm it's you, and that you're happy for them to speak to your supporter. 

Come back with any questions and issues, we're all here for you.

SevenOfNine

My condolences.

Give yourself a little space this very early days & you will need the death certificate to progress most things anyway.  You seem to have some support so make use of them to help you get that task underway.  Do get several, everyone will want sight of it, all return promptly but you could have a few out at once.

The mortgage provider bereavement team won't be looking to boot you out of your home, only dealt with one (Tesco Bank), they were very helpful & sympathetic. They froze the mortgage payments & interest while probate was sorted out, didn't pressurise or pester. You can discuss options at a later date.

There was a death in service payment, it fell outside the scope of the estate, so didn't have to be declared & was paid out before probate was done. I'm not sure if that always applies though? 

Hopefully your bank a/c etc is in joint names already.

So I'd say local registrar first, if there is an inquest the coroner will supply an interim one so you can move other aspects forward, but the registrar will advise you.

It's not as overwhelming as it first seems, most (all) will treat you with compassion, don't expect too much of yourself. Ask your support for help & ask any companies you deal with for their bereavement dept.