The first step is to speak to the mortgage lender to let them know that your partner has died.
They can then help you work out your mortgage options.
Normally, the mortgage is one of the first debts that’s paid out of the estate. Or from life or mortgage payment protection insurance that your partner might have bought when the mortgage was taken out.
But if there isn’t enough money to cover this debt, you have a couple of options.
One of the options is taking out a mortgage in your name.
It’s worth considering this if you think you can afford the repayments on your own.
Unfortunately, you can’t simply ‘transfer’ the mortgage into your name, even if you had a joint mortgage with your partner.
You’d have to go through a review process as though it’s a fresh mortgage application.
You’ll need to provide evidence of your current finances to the mortgage lender.
They’ll assess this and your ability to keep up with repayments.