How to Notify Aldermore After a Death in the UK

How to Notify Aldermore After a Death in the UK

If the person who died had an Aldermore account, the first step is to tell Aldermore as soon as you can and identify which products they held. Aldermore has different bereavement routes for savings, mortgages and asset finance, so the paperwork and next steps depend on the account type.

Losing someone is hard enough without having to decode a bank's process while you are grieving. This guide explains what to do, what Aldermore usually asks for, and where delays tend to happen so you can move things forward with less stress.

What to do first

Before you contact Aldermore, focus on the essentials:

1. Register the death and get official copies of the death certificate.
2. Check whether there is a will and identify the executor or personal representative.
3. Gather any Aldermore paperwork you can find, such as savings statements, mortgage letters or emails.
4. Make a simple list of accounts and debts so you can keep track of who has been told.

If you are handling several organisations at once, it helps to keep a running checklist. A tool like GetPassage can help families organise the admin in one place, but a notebook or spreadsheet works too. The main thing is not having to start from scratch each time.

How to contact Aldermore

Aldermore's bereavement process is split by product.

Mortgages

• Email: mortgage.support@aldermore.co.uk
• Phone: 01733 821 388

Asset finance

• Email: afcollections@aldermore.co.uk
• Phone: 01189 556675

Personal savings

• Phone: 0345 604 2678

For savings accounts, Aldermore's own guidance says it is worth calling first if you are not sure what type of account the person had or how much is held across their accounts.

What Aldermore will usually ask for

In most cases, you should expect to provide:

• the person's full name and address
• the date of death
• your relationship to them
• a death certificate, either original or copy depending on the product and stage
• proof that you have authority to act, if required

If you are the executor or administrator, keep copies of everything you send. Financial providers often need the same evidence more than once during the process.

Aldermore savings accounts: what happens next

Aldermore's published bereavement guide for personal savings makes a few practical points that matter.

First, the bank says account balances will not usually be disclosed until it has received the death certificate. Second, the documents needed depend on whether the account was joint or sole, and on the total balance held with Aldermore.

Joint savings accounts

For a joint account, Aldermore says it typically needs the death certificate and then transfers the account into the surviving account holder's sole name.

Sole savings accounts under £35,000

Where the total balance across Aldermore accounts is under £35,000, the bank's guide says it may accept:

Estate position	Documents usually needed
Sole savings under £35,000	Death certificate, small estates form, and account closure form signed by the personal representatives

This can matter because it may allow the estate to deal with the account without waiting for a full grant of probate.

Sole savings accounts over £35,000

Where the total balance is over £35,000, Aldermore says it usually requires:

Estate position	Documents usually needed
Sole savings over £35,000	Death certificate, sealed grant of probate or letters of administration or Scottish confirmation, plus an account closure form

That threshold is one of the main reasons this is not just a generic bank-notification task. The value of the savings changes the legal paperwork you may need before funds can be released.

What about ISAs?

If the person who died held an ISA with Aldermore, the tax treatment is slightly different from an ordinary savings account.

Aldermore says an ISA can remain open for up to three years after death in order to preserve its tax advantages, although no new money can be paid in. It also notes that a surviving spouse or civil partner may be able to claim an Additional Permitted Subscription (APS) equal to the value of the deceased's ISA.

That does not mean the money is instantly available, but it does mean you should be careful not to assume the ISA simply disappears on death. If there is a surviving spouse or civil partner, ask Aldermore specifically about the APS process.

Can Aldermore release money for funeral or tax costs?

Often, yes.

According to Aldermore's published guidance, it may release money directly from the deceased person's account for:

• funeral expenses, if you provide the death certificate and the original funeral invoice
• inheritance tax payments, if the correct HMRC paperwork is supplied, including form IHT423 where applicable

This can be useful if the estate is cash-poor but there are funds in the account. The money is generally paid directly to the funeral director or HMRC rather than handed over as cash to the family.

What if there is an Aldermore mortgage?

If the person who died had an Aldermore mortgage, notify the mortgage team early even if you do not yet have every document. The immediate goals are usually to:

• stop correspondence continuing in the deceased person's name unnecessarily
• make sure the lender knows who to speak to
• understand whether the mortgage was in a sole name or joint names
• check whether there is any life insurance linked to the borrowing
• find out what payments are due while the estate is being sorted out

If the mortgage is in joint names, the surviving borrower will usually still need a clear plan for ongoing payments. If it is in a sole name, the estate may need advice quickly, especially where there is a property to sell or transfer.

Common delays to avoid

The biggest delays usually come from avoidable gaps in paperwork.

1. Not knowing the product type

Aldermore is not only a savings bank. If you do not know whether the person had savings, a mortgage or asset finance, start by confirming the products first.

2. Sending forms before legal authority is clear

Where a grant is required, sending partial paperwork too early can add weeks rather than save time.

3. Missing signatures

Banks often reject closure forms when one executor signs and another has been missed.

4. Assuming funeral costs will be reimbursed automatically

If you want the bank to pay the funeral director directly, ask exactly what invoice format it needs.

A simple checklist

Before you contact Aldermore

• Find the death certificate
• Look for savings statements, mortgage letters or online records
• Confirm whether there is a will
• Identify the executor or administrator

During the call or email

• Ask which products are held
• Ask what documents are needed for each product
• Ask whether probate is required based on the balance
• Ask whether funeral or inheritance tax payments can be made directly

After contact

• Send copies promptly
• Record the date, team and reference
• Chase if you hear nothing after the stated timeframe

Final thought

Aldermore's bereavement process is manageable, but it is not one-size-fits-all. Savings balances, ISA status and mortgage arrangements can all change what happens next. If you take the process in order and keep a written record, you will make it much easier on yourself at a time when your energy is already stretched.