The house passes to you automatically and doesn't go through the estate. The mortgage debt is due one half by you and one half by your wife's estate. You have been excluded from the will but you the right to claim legal rights to your wife's moveable estate. This is a debt on the estate if you claim it and is for one third of the moveable estate. That would include a third of the money, shares and caravan. See your own solicitor about this immediately. I hope that helps. Please leave a positive rating so that I am credited for my time.