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The loss of a loved one is a very distressing time and we will do all we can to help and support you through the steps you need to take to deal with the property.

Selling or transferring a property after someone has died can be a very slow and frustrating process due to the legal implications within probate but we aim to deal efficiently with this to try to minimise the distress for you.

To do this we will require confirmation of your loss.
This we will require the person with the necessary authority to deal with the deceased’s affairs to provide the following:

• Their name and correspondence address
• A copy of the death certificate
• Confirmation of the necessary authority

Authority will usually take the form of a grant of representation, a document obtained from the court that proves the legal authority of the person entrusted to deal with a deceased person’s estate. This person is known as the "personal representative".

The grant of representation will take one the following forms depending on if the deceased had a will or not:
A grant of probate
If there is a will appointing a personal representative, he or she is known as the executor.
A grant of letters of administration
If there is no will (or if the will is invalid), the personal representative is known as the administrator.

The property is part of the deceased’s estate and is dealt with by the personal representatives, along with the deceased’s other assets, as part of the probate process.

If the deceased owed any money the personal representative will need to be aware of this. Family Mosaic will advise them of any rent and service charged due. It should be noted that rent and service charges are due monthly and the figure will alter depending on what happens to the property.

Clearly the property has a value and the personal representative will need to inform Family Mosaic as soon as possible what they propose to do with the property. Please be aware that rent and service charge payments will need to be paid including any arrears from the deceased's estate.

There are a number of options:

• The property is to be sold. This will follow Family Mosaic’s Resales procedures if part owned or through the open market via an Estate Agent if owned outright.
• It may in some circumstances be transferred to a family member on intestacy or a person named in the Will as a beneficiary inherits the property
• If the property is part owned, the personal representative may decide to buy the remaining share in the property as an investment. Buying the additional share is known as ‘staircasing’ and would follow the Family Mosaic staircasing procedures.

For more information information download our brochure contact the Resident Sales Team at resident.sales@familymosaic.co.uk or call 0207 089 1339