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We understand that this will be a difficult time for you and you should contact the mortgage department by phone, as we can help you immediately with any questions you may have. We will ask you for a certified copy of the death certificate and inform you when changes have been made to the mortgage account. Under a Joint Tenancy, the property automatically passes to the surviving tenant. You will need to appoint a solicitor to take care of any legal implications, and your solicitor will deal with probate, insurance or any other matters for you.