The way that it works is that the job of the person winding up the estate is to call in all debts due to the estate and that would include any loan due to the deceased.
That is the starting point if, say, the property has specifically been passed to the carer then any loan would have been waived by the deceased.
But if it is simply a case of the deceased leaving their estate or part of it to the carer as a general gift without mentioning that the gift includes the property then the loan in respect of the property is repayable.
It may mean the carer is simply paying it into the estate to come straight back to them but this would depend on the terms of the Will.
I hope this assists. If there are any further points please reply I will be happy to respond.
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