My mother died 突然に leaving an 未払いの mortgage on her house - do we have to 会合，会う the 返済s before we sell it??

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My mother recently died in 予期しない circumstances. She had a mortgage for her house that was in her 指名する alone.

Does the mortgage company now have the 権利 to 需要・要求する the mortgage 支払い（額）s??

We have advised the 貸す人 that the house is on the market to be sold and it will get paid for all the 優れた balance when the sale of the house goes through.?

需要・要求する: Mortgage 返済s should be met from the 死んだ's 広い地所.

We cannot afford to 支払う／賃金 the mortgage until the house is sold.?

What are our 合法的な 権利s? We need help to sort this out during this 苦しめるing time when we are 取引，協定ing with our grief after losing our beloved mum.?R P 経由で email

Linda McKay of This is Money replies: Sadly, when a 親族 dies it's those closest who have the most to do at a time when grief can be 圧倒的な.

Probate is the 合法的な 権利 to を取り引きする the person's 所有物／資産／財産, money and 所有／入手s - their '広い地所'.?You may 適用する for probate yourself, chose a 合法的な 代表者／国会議員 or use the executor of your mother’s will.

In your 事例／患者 a solicitor, who will be 認めるd 代表 to 適用する for probate, can を取り引きする 所有物／資産／財産 or 資産s.

Vikki 危険, lawyer at Mills & Reeves replies: The starting point is that nothing can be paid until a 認める of 代表 has been 得るd.?

This is a 合法的な 必要物／必要条件 which enables your mother’s personal 代表者／国会議員 to を取り引きする the 資産s in her 広い地所, 含むing selling her house. Probate takes an 普通の／平均（する） of 8-12 weeks if no 相続物件 税金 is payable and between 14 -16 weeks if 相続物件 税金 is payable

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Assuming that the mortgage was not covered by a life 保証／確信 政策, you should check the 条件 of the mortgage to see what it says about 支払い（額） in the event of death. Often, 利益／興味 and 支払い（額）s will be frozen until the 認める of 代表 is 得るd.

The general 支配する is that the 負債 is payable out of the sale proceeds of the 所有物／資産／財産 which is mortgaged.?

推定では the 推定する／予想するd sale proceeds will be 十分な to 発射する／解雇する the mortgage in 十分な. If so, then you could use your mother’s other 資産s, if any, to 会合，会う 現在進行中の other 支払い（額）s, such as standing 告発（する），告訴（する）／料金s for 公共事業（料金）／有用性s or empty 所有物／資産／財産 会議 税金, until the sale

Indeed, the bank will 推定する／予想する you to do this.?

However, you certainly must not feel 強いるd to 会合，会う the mortgage 支払い（額）s yourself, whether you can afford to or not. It may be possible to renegotiate the 条件 of the mortgage.

In our experience most banks are 用意が出来ている to wait for a 所有物／資産／財産 to be sold, and are 一般に understanding of the 問題／発行するs 伴う／関わるd に引き続いて bereavement.

It is important that the bank is kept 知らせるd of 進歩, 含むing when the 認める of 代表 is received and when the house goes on the market. In the ありそうもない event that the sale proceeds are insufficient to 支払う／賃金 the mortgage in 十分な, the 超過 is an unsecured 負債 payable from the other 資産s in your mum’s 広い地所.?

If this is the 事例／患者 then it is vitally important that you do not 支払う／賃金 anything に向かって the mortgage yourself.

Linda Mckay 追加するs: There is a 政府 probate and 相続物件 税金 helpline on 0300 123 1072.

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