My wife and I jointly own our home. If she dies before me what

Hi
Thank you for your question and patience, I’m Tom and I’ll try to help you.
If you hold your interests as joint tenants at the date of her death then her interest in the property would pass automatically to you under the rules of survivorship. This is the case even if she states in her Will that her interest should pass to the children.
It’s obviously very important therefore to ensure that your hold your interests as joint tenants. You can check by downloading a copy of the register for the property from the Land Registry by paying a £4.00 fee:-
http://www.landregistry.gov.uk/wps/portal/Property_Search
Look at the proprietorship register of the title you have downloaded from the Land Registry (where the proprietors of the property are listed). If the following entry is immediately below the named registered proprietors then the interests are held as tenants in common:-
" No disposition by a sole proprietor of the registered estate (except a trust corporation) under which capital money arises is to be registered unless authorised by an order of the Court"
If there is no such entry then the property is held as joint tenants.
If you/she changed to tenants in common, then were she to die her interest would pass according to her Will or under the intestacy rules. In these circumstances if she had a Will which stated the children should inherit her interest then they would do so.
My goal is to provide you with a good service. If you feel you have received anything less, please reply back as I am happy to address follow-up issues specifically relating to your question.
Kind regards,
Tom

Hi,
No. Those only related to covenants affecting the propety and to your mortgage with the Woolwich.
If the statement "No disposition by a sole proprietor of the registered estate (except a trust corporation) under which capital money arises is to be registered unless authorised by an order of the Court" is shown below your names then you hold your interests as tenants in common.
If the above statement is NOT there then you hold your interests as Joint Tenants and he interest would pass to you.
Please note for future reference that either of you can subequently change to tenants in common by serving notice on the other and then applying to the Land Registry.
Kind regards,
Tom

Hi,
You will see that I have replied on the other thread.
Tom