Would appreciate any advice whatsoever after parent died intestate.

I apologise in advance for what may be stupid questions to ask; I, unfortunately, do not understand anything about how this sort of thing works and I did not envisage having to deal with this situation.

My mum died intestate and has left an amount of debt totalling to around £65,000, of which around £37,000 is the mortgage on her house.

I am her only child and she died single so I have been made the executor of her estate. I have had her house valued at £105,000.

I would like to move into the property. I have had bad credit in the past (defaulted on an account as recently as three years ago) but am now debt-free and currently have £30,000 in savings.

You don't have to 'buy' the house from the estate as you are the only beneficiary, you just need to mortgage the property enough to cover you mom's outstanding mortgage and any other debts.

Speak with a whole of market mortgage broker to see what lenders are available to you.

You don't need a mortgage of £65,000 in the first place if you already have £30K savings. You only need £65,000 in total, including your savings, t clear your mum's debt.

So the way to go would probably be to apply for a mortgage of £39,000* to clear your mum's mortgage (and at the same time, transfer the house to your name), and use your £30,000 to clear the other debts your mum had.

That leaves you with a £39K mortgage on a house worth £105k - you don't need to pay a separate deposit as you have the equity in the house already. It's the equivalent of putting down a deposit of £66,000.

* technically you could get a mortgage for £35K, and use the last £4K of your savings towards paying off the mortgage, but in reality you will probably have other expenses, such as legal costs, so you may find that it makes sense to borrow the full £39K and have a bit of leeway for unexpected costs / emergencies