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Probate & Inherited Property

Selling a parent's house after they pass away

When a parent passes away, selling their home in the UK involves registering the death, locating the will and identifying the executors, valuing the property at the date of death, applying for a grant of probate (or letters of administration if there is no will), and only then completing a sale. You can market the property and accept an offer while probate is pending, but the sale cannot legally complete until the grant is issued. Start to finish this typically takes 8 to 14 months through an estate agent, or 5 to 8 months using a cash buyer, with probate itself accounting for most of the wait.

This is general information, not legal or tax advice. Take advice from a probate solicitor or accountant for your specific situation.

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This guide covers each legal step in order, the realistic timescales, the tax position, what to do with the contents, and the practical decisions that cause most delay.

What are the first legal steps after a parent passes away?

Before any sale can begin, five things need to happen in sequence.

1. Register the death

Register within 5 days in England, Wales and Northern Ireland (8 days in Scotland). Order 4 to 6 certified copies of the death certificate, not one. Banks, the Probate Registry, HM Land Registry, utility providers and the conveyancing solicitor will all want originals at different points, and ordering more later costs time.

2. Find the will and identify who has authority

The will names the executors. Executors are the only people with legal authority to deal with the estate, including the property. If there is no will, the closest relatives apply for letters of administration under the intestacy rules and become administrators, which is the same role with a different title. If you are not the executor, you cannot sell the house, even if you are a beneficiary. This is the single most common misunderstanding.

3. Secure and insure the property

An empty property is an insurance problem. Most standard home insurance policies lapse or restrict cover after 30 to 60 days of the property being unoccupied. Contact the insurer immediately and switch to unoccupied property insurance. Also redirect post, notify utilities, keep heating on a low frost setting through winter, and tell the council (an empty probate property is usually exempt from council tax for up to 6 months after the grant).

4. Value the property at the date of death

This valuation matters twice. It sets the value for inheritance tax, and it becomes the cost basis for any capital gains tax if the property later sells for more. Use a RICS chartered surveyor where the estate is near or above the inheritance tax threshold. Where the estate is clearly below it, HMRC will usually accept estate agent valuations, though three written valuations are safer than one.

5. Apply for the grant of probate

The application goes to HMCTS Probate Service. The fee is £273 for estates over £5,000, plus £1.50 per additional copy. Inheritance tax, if owed, must generally be paid before the grant is issued.

How long does it take to sell a parent's house?

StageTypical time
Death to probate application submitted4-8 weeks
Probate application to grant issued16-20 weeks
Marketing (runs in parallel with probate)no added time
Sale via estate agent, after grant12-16 weeks
Sale via cash buyer, after grant2-4 weeks
Total, estate agent route8-14 months
Total, cash buyer route5-8 months
With Property Sold Simple, once probate is grantedSold in as little as 7 days

The bottleneck is probate itself, which you cannot speed up because it depends on HMCTS processing times. Everything else is within your control. The single biggest time saving available is marketing during the probate wait rather than after it, which removes 2 to 4 months from the total.

Can I sell my parents' house before probate is granted?

You can market it and accept an offer, but you cannot complete. The Land Registry will not transfer ownership without the grant, and no conveyancing solicitor will complete a sale where the seller cannot prove authority.

The exception is where the property was held as joint tenants with a surviving co-owner, usually a surviving parent. Ownership passes automatically to the survivor by right of survivorship and probate is not needed for that transfer.

Many executors market during the probate wait and exchange contracts subject to the grant, so completion follows within days of it arriving. A cash buyer is well suited to this because they can hold the deal open through the wait without withdrawing.

What tax is owed when selling a parent's house?

Two different taxes can apply, in sequence, and they are frequently confused.

Inheritance tax

Charged on the estate as a whole before anything passes to beneficiaries. The nil-rate band is £325,000, plus a residence nil-rate band of up to £175,000 where the main home passes to direct descendants, which children are. Many estates therefore have an effective threshold of £500,000, or up to £1 million for a couple's combined estate. Above the threshold, the rate is 40%, payable within 6 months of death.

Capital gains tax

Applies only to any increase in value between the date of death and the date of sale, not the whole sale price. If the executors sell within the estate, there is a single annual allowance of £3,000 and the rate on residential property is 24%. If the property is transferred to the beneficiaries first and they sell, each beneficiary has their own allowance and rate.

Common mistake: you do not pay tax on the whole value of the house you inherit. Inheritance tax is the estate's liability, and CGT applies only to the uplift since death.

What do we do with the contents?

Clearing a parent's home is usually the hardest part emotionally and one of the most common causes of delay. A practical sequence:

  1. Locate documents first: deeds, share certificates, premium bonds, insurance policies, pension paperwork. These affect the estate value and are easily thrown out.
  2. Divide sentimental items by agreement before any clearance company enters the property. Disputes over contents cause more family friction than the house itself.
  3. Get items of value assessed: jewellery, antiques, vehicles. These form part of the estate for inheritance tax.
  4. Then clear the rest. House clearance firms typically charge £300 to £1,500 depending on volume, sometimes less where there are saleable items to offset.

If you sell to a cash buyer, clearance is often negotiable. We buy properties with contents in place where that helps the executor, which removes both the cost and the emotional burden of clearing a family home.

Should we refurbish before selling?

Usually not. Properties owned by the same family for 30 to 50 years are commonly dated: original electrics, single glazing, an old heating system, decor decades out of date.

Refurbishing means the executors fund the work from the estate, manage contractors, and absorb a 6 to 12 month delay, with the uplift often failing to cover the cost, the time value of the money, and the execution risk. For most modest-value inherited properties, selling as-is is the rational choice. Where a property is genuinely high value in a strong market and the estate has cash and patience, refurbishment can pay, but that is the exception.

How can we sell faster?

Four things compress the timeline materially:

  • Apply for probate early. The 4 to 8 week gap between death and application is where most avoidable delay sits.
  • Market during the probate wait, not after it. This alone saves 2 to 4 months.
  • Choose a buyer who will exchange subject to the grant, so the deal is locked before probate arrives.
  • Sell as-is rather than refurbishing, unless the numbers clearly justify the work.

A cash buyer suits estates where the executor needs certainty on the date, the property is dated, beneficiaries want a clean resolution, or the estate is cash-poor and needs proceeds to settle liabilities.

Get a free cash offer for a probate property

We buy probate properties across Oldham and within 20 miles, exchange subject to grant of probate, cover all legal fees (T&Cs apply), and can hold a deal open through the probate wait.

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Frequently asked questions

Do I need probate to sell my parents' house?

In almost all cases, yes. The Land Registry will not transfer ownership without a grant of probate or letters of administration. The exception is a property held as joint tenants with a surviving co-owner, where ownership passes automatically by survivorship.

How long after a parent's death can you sell the house?

You can market immediately and accept an offer at any point, but completion must wait for the grant of probate, which currently takes around 16 to 20 weeks from application. Realistically most sales complete 5 to 14 months after death depending on the route taken.

Who has the legal authority to sell a deceased parent's house?

The executors named in the will, or the administrators appointed under letters of administration where there is no will. Beneficiaries who are not executors cannot sell the property, even though they will receive the proceeds.

What happens if my parent's house has a mortgage?

The mortgage is a debt of the estate. It is either paid off from other estate assets or, more commonly, redeemed from the sale proceeds at completion, with the balance going to the estate. Notify the lender promptly, as interest continues to accrue.

Do we have to pay council tax on an empty probate property?

An unoccupied property left by someone who has died is usually exempt from council tax until probate is granted, and for up to 6 months after the grant. After that, the full charge normally applies and some councils levy an empty-property premium. Tell the council early.

How much do probate services cost?

Solicitor-led full estate administration typically costs 2% to 5% of the estate value, or an hourly rate. A grant-only service, where the solicitor obtains the grant and you handle the rest, is far cheaper, commonly £500 to £1,500. Executors can also apply themselves for the £273 court fee alone.

Can we sell the house if one sibling disagrees?

If the property has already passed to the siblings jointly, all must agree to a sale, and a dissenting co-owner can be dealt with by buyout, mediation, or ultimately a court order for sale under TOLATA. While the property is still within the estate, the executors have authority to sell to settle it.

Bottom line

Selling a parent's house after death follows a fixed legal sequence: register the death, identify the executors, secure and insure the property, value it at the date of death, obtain the grant of probate, then sell. The unavoidable delay is probate, currently 16 to 20 weeks. The avoidable delays are applying late, waiting for the grant before marketing, and refurbishing a property that does not need it.

If you are early in the process and want to understand your options without commitment, we offer no-obligation conversations specifically for probate property.

Selling a parent's property?

Get a free, no-obligation cash offer. We exchange subject to the grant so the deal is locked in while you wait, and we can buy with contents in place.

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