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What Happens To The House?

A step-by-step decision guide covering sole ownership, joint ownership, tenants in common, an outstanding mortgage, and selling or keeping the property.

Last reviewed: 1 September 2026

1.How was the property owned?
2.Was there still a mortgage on it?
3.Is anyone still living there?
4.What does the family want to happen?

Answer the questions above (0 of 4 done) and your result will appear here.

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Next toolWhat happens to a mortgageWho pays, what the lender expects, and the options for the house.

When Someone Dies Guide provides general information and practical tools for educational purposes. It does not provide legal, financial, tax or medical advice. Rules and fees can change, and individual circumstances differ. Where appropriate, users should check current information with GOV.UK or a suitably qualified professional.