grantus – so sorry to hear of your awful loss, thinking of you.
Re your finances: I’m a recoveries manager for a large financial institution so I have some idea what I’m talking about.
Given your circumstances you will be classed as a vulnerable customer by your mortgage provider and any other creditors. As such the payments required of you for your mortgage and any other debts (secured and unsecured) must be based on your ability to pay, not on what the lender wants, or what your original contract states.
You may fall under CiFD (Customers in Financial Difficulty) which again means lenders must be extremely sympathetic to your circumstances and base any concessionary agreements on what you can evidence you can afford. However, as your income is fairly high you will only fall under CiFD if your necessary outgoings are high enough to cause you problems paying your mortgage, loans, credit cards etc.
If any creditor you deal with is not sympathetic and treats you as I’ve outlined above don’t mess about, make a formal complaint immediately. If you’re not satisfied with the response refer your complaint to the FOS (Financial Ombudsman Service).
The chances of you getting any grief over your finances in the short-term are extremely slim – huge strides have been made in recent years to protect people in situations such as yours.
Hope that helps, feel free to PM me with any specific questions.
Good luck and stay strong.