What happens if the deceased has a home loan?
A letter should be sent to the bank, building society or other lending institution advising them of the death. The executor will need to make arrangements to continue payments or repay the debt.
What happens to joint accounts?
In the deceased had a joint bank account, this would become the asset of the surviving back account holder. In order to have this transferred into the name(s) of the survivor(s), the bank concerned usually just requires an original full registrars death certificate to be produced. Joint accounts are not assets of the estate.