Planning For the Inevitable. What have I missed?

Klare1

Here is the scenario, I just don’t want to miss any forms/Deadlines I need to complete etc and have confused myself (not hard) Googling! I am both EPA and Executor.

Dad (Alzheimers) & Mum (Vascular) both aged 90 Mirror wills, cash (mainly in joint names or Mums name as she was a non tax payer) and property in joint names.

Both entered respite care September 2023. Mum left respite care and returned home January 2024, Dad passed February 2024.
Only money in Dads sole name was £40K in an ISA and probate applied and received.

Mum went into permanent care November 2024 is self funding so money disappearing fast but she is of ill health now. 
My brother and I have put the house up for sale and so have cleared out all the electric bills etc since the 1950’s 😂 but I’m trying to get all the relevant paperwork in order.

Cash wise she has £350K and house is up for £200K so well under the joint IH limit but if the house has been sold and converted to “cash” does that mean the IH tax limit is the joint £650K not 1million? 

The other thing I’m not clear on is when do I complete the form to apply for the joint limit? 2 years after Dad’s passing or when Mum joins him?

Many thanks, Dry January is a long month when trying to unpick all this 😂

Keep_pedalling

No it does not mean that. Assuming she inherited everything from your father, you  won’t even need the residential NRB, but if you did it is still available under the downsizing rules.