We understand that losing someone close to you can be very difficult. We’re here to help you through this difficult time.
Tell us about the bereavement
If you’re a buy to let customer, you can tell us about the bereavement by:
- Calling us on 0371 472 2032.
Lines are open between 9am and 5pm Monday to Friday, excluding bank holidays.
- Writing to us at:
CHL Mortgages
PO Box 146
SKIPTON
BD23 9GN
If you’re a bridging finance customer, you can tell us about the bereavement by:
- Calling us on 01252 365888.
Lines are open between 9am and 5pm on Monday, Tuesday, Wednesday and Friday, and 10am to 5pm on Thursdays, excluding bank holidays.
- Emailing us at:
[email protected]
What we need to know:
- Name and address of the account holder who has passed away
- The account number
- The date of death
- A certified copy of the death certificate
- Your details
- Whether you’ll be dealing with the estate or if there’s a solicitor helping
The next step depends on whether the account is in sole or joint names.
Sole borrowers
If the deceased borrower left a will, you’ll need to provide a certified copy of the Grant of Probate so we can record the details of the executor(s) and speak to them. If the borrower passed away without leaving a will, we’ll need a certified copy of the Grant of Letters of Administration.
The account will need to be repaid.
Joint borrowers
If the borrower who passed away left a will, you’ll need to provide a certified copy of the Grant of Probate so we can record the details of the executor(s) and speak to them. If the borrower passed away without leaving a will, we’ll need to a certified copy of the Grant of Letters of Administration.
If you’re the remaining borrower and you’re worried about how you’ll afford to make your monthly payments, we can help. Please get in touch.
Ownership of the property will depend on whether the property was held as:
- Joint tenants in England and Wales / Full Owners in Northern Ireland
- The deceased borrower’s interest will automatically transfer to the remaining borrower(s).
- After we receive the death certificate, we’ll remove the deceased borrower’s name from the mortgage. This means that the remaining borrower is then solely responsible for repaying the mortgage.
- Tenants in common in England and Wales
- Each borrower owns a specific share in the property and the deceased borrower’s share won’t automatically transfer to the remaining borrower(s). If the property was owned this way, you’ll need the help of a solicitor to deal with the deceased borrower’s share of the estate. We won’t remove the estate from the mortgage.
- Limited company mortgage accounts (buy to let)
- Where the account is in the name of a limited company, we’ll need to understand who the deceased party’s shares are being transferred to. We’ll also need to know if there are any new directors or shareholders. We’ll talk you through what this means and what information or documentation may be needed.
Important information
- We’ll continue to charge interest on the account balance until it’s been paid back in full, but we may allow a period of reduced interest for home loans where the mortgage was for the deceased borrower’s home. Talk to us about the options available.
- Payments are still due on the account, even after a borrower has passed away.