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It is a repayment mortgage in both names. The solicitor dealing with the probate has advised that as joint tenants, the property automatically passes to the surviving partner. However, there is a mortgage on the property and he is saying that the outstanding mortgage is not a debt, it also passess to the surviving partner. When the mortgage was taken out they both took out insurance policies to pay off the mortgage in the event of death. However, we now know that the policies were standard life policies and were not linked to the mortgage in any way so the solicitor is saying that the insurance cannot be used to pay off the mortgage.