Selling a Family Home After a Bereavement – Key Steps

Selling a loved one’s home can feel overwhelming, especially when legal processes like probate are involved. Here’s a clear breakdown of what’s required:

1. Register the Death

• Contact the local registry office to formally register the death.

2. Obtain Legal Authority

• With a will: Apply for a Grant of Probate (names executors).

• Without a will: Apply for Letters of Administration (names administrators).

3. Value the Property

• Get a professional valuation for Inheritance Tax purposes and sale pricing.

4. Settle Debts

• Pay off any outstanding debts or mortgages before selling.

5. Prepare the Property

• Clear belongings, carry out repairs, or sell “as is” depending on circumstances.

6. Appoint Professionals

• Hire a probate solicitor and consider using an auction house — especially if the property needs updating or renovating.

7. Market & Sell

• The auction house will market the property, handle viewings (if applicable), and manage the sale process.

8. Finalise the Sale

• Once sold, distribute funds to beneficiaries after all debts and taxes are paid.

Important Tips

• Inheritance Tax: May apply if the estate exceeds the tax-free threshold.

• Communication: Keep beneficiaries updated throughout.

• Emotional readiness: Selling a family home can be emotionally challenging.

• Get advice: A solicitor or financial adviser can help avoid costly mistakes.

Takeaway:

Plan ahead, stay organised, and get professional support — it will make a challenging process much smoother.