Posted on 20 March 2011 by bill hiett

My mother left her estate to be shared between her 5 children. I wish to buy her house, but the executors will not put my name on the deeds, due to costs being incurred by the estate. This prohibits me from a re-mortgage.

Are they correct in this and is a simple purchase mortgage available in this situation. My deposit would be inherant in the property, and I would need 75 - 80% loan.


I am not able to advise you on the mechanics of the transaction, you will need to take independent legal advice, but we would usually arrange a normal home purchase mortgage or Buy to Let mortgage depending on your plans for the property.

I presume the 75-80% mortgage is based on the properties value and represents 100% of the price you will have to pay to become sole owner? If this is the case I believe you would benefit from speaking to one of our independent mortgage advisers.

Please call on 0344 346 3672 and tell the consultant the date and title of your question. They will be able to look at your situation and advise you accordingly.


Answers provided in response to Ask the experts are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.

We recommend you seek professional advice with regard to any of these topics where appropriate.

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