We use essential cookies to make our website work properly when you visit us. We’d also like your consent to set other non-essential cookies to help us improve our website and tailor the marketing you see.
Please let us know as soon as you are able if our customer has passed away. You can tell us by using the notification form link below. If possible, please include your loved one’s name, address, and account number.
If you would rather speak to someone, you can call our Account Servicing Team on 0800 294 5090. We have a dedicated Bereavement Support team who will guide you through the next steps and support you during this time.
Notify us of a bereavement >
If the lifetime mortgage is in joint names, you still need to let us know when the first customer passes away.
At this stage, we will need either the original death certificate or a verified copy. You can send this using the contact details shown below.
The lifetime mortgage will continue to build up interest and compound over time. It will not need to be repaid until the last remaining customer has passed away or has moved into permanent long-term care.
Some of our lifetime mortgages offer an early repayment charge free period on the death of the first applicant for joint cases. Typically this applies within the first 3 years of the first applicants passing. Please check your Offer document for clarity.
Details of any other fees can be found in the Tariff of Charges, which was included with your original Offer and is also included with your annual statement.
If the sole customer, or for joint plans, the last remaining customer has passed away, the lifetime mortgage will now need to be repaid in full as per the terms and conditions.
Before we can provide a redemption statement, we must confirm who is dealing with the estate. To do this, you will need to send us the original or a verified copy of the Grant of Probate. If there is no Will, we will need the original or verified copy of the Letters of Administration instead.
We need these documents to confirm:
We will also need verified ID for each executor.
Please provide a valid government issued document. It must include a photograph and show the executors full name and either their address or date of birth.
We can accept the original or verified copies of the below::
If you do not have one of these forms of ID please contact us to discuss here.
We take great care with any personal information shared with us. This helps keep data secure and protects against fraud or misuse.
If more than one executor has been appointed, we will need written consent from all executors. This must confirm that we can deal with the nominated executor on their behalf and that more2life has permission to follow their instructions to repay the lifetime mortgage.
If the lifetime mortgage will be repaid using money from the sale of the property, please tell us which solicitors you will be using. If the lifetime mortgage will not be repaid from the sale of the property, please confirm where the repayment funds will come from.
All payments must be made from a UK bank account. This must belong to:
Please note, business accounts cannot be used and repayment cannot be made directly from the estate until a Grant of Probate or Letters of Administration has been issued.
Copies of documents must be verified as true copies of the original document. A document can be verified by getting it signed and dated by a professional person.
A list of professionals who could sign this for you, as well as a list of acceptable documents, is available via the following link: https://www.gov.uk/certifying-a-document
If you are sending any original documents to more2life, please post these to:
more2life
PO Box 1168
Preston
PR2 0GB
Original documents will be returned to the sender as soon as possible via Royal Mail.
You can also send a verified copy of the required documentation either to the address above or by email to
[email protected].
Alternatively, you can upload your verified copies here.
Once we are notified of a customer's passing, our Specialist Bereavement Team will support you through the repayment process. The lifetime mortgage must be repaid within the time limits set out in the Lifetime Mortgage Offer and Terms and Conditions.
Please note that if the lifetime mortgage is not repaid within the agreed timescale as provided within the Lifetime Mortgage Offer document, we may need to take further legal steps. We do not take this step lightly. Any costs linked to this would be added to the lifetime mortgage and would also incur compound interest. We kindly ask that you keep us updated on how you plan to repay the lifetime mortgage, as this can help prevent any further action.
If you have any concerns or need to talk things through, please contact us on 0800 294 5090. We are here to help and support you during this time.