Simple.
Transparent.
Inheritance Solutions.

Probate Advance gives beneficiaries access to a portion of their future inheritance in just four easy steps.

Cash upfront. No personal risk. No monthly payments. Simple.

AN INNOVATIVE SOLUTION THAT
UNDERWRITES ESTATES.
NOT BENEFICIARIES.

A Probate Advance could be used to:

  • Pay a deposit on a new home or complete home improvements
  • Invest in your business
  • Pay down personally guaranteed and / or expensive debts
  • Cover school / tuition fees
  • Avoid the stress and uncertainty of waiting for an inheritance you may be relying on

Quick.

Did you know that the average time it takes to access an inheritance in the UK is one year

If you’re a beneficiary, why wait for the financial freedom your inheritance may provide

Simple.

We will clearly confirm the information and documentation required from you and your Administrator

Transparent.

Pricing is clear and transparent and the product is easy to understand. You won’t be asked for security over property or a personal guarantee, whilst underwriting focuses on the Estate rather than the applicant

Process

01

Applicants complete a short online form. We aim to pre-approve in 48 hours.

02

Applicant and Administrator receive a document checklist via email.

03

The submission is reviewed. Successful applications receive an email offer.

04

Beneficiary accepts offer and signs loan documents electronically. Funds are distributed.

Probate Advance

Receive up to 60% of a future inheritance upon the successful grant of Probate.

No monthly payments until the estate is liquidated and cash is distributed.

Once all capital and applicable interest is repaid out of the estate, all residual cash is paid to the beneficiary.

If the estate sells for less than the total amount of capital and interest owed, there is no risk to beneficiaries, with no personal guarantees or charges over property like traditional lenders.

1.5% arrangement fee, plus interest of 1.5% per month on the Advance and the fee. This equates to a 19.9% APR

Representative Example

  • Assuming you accepted an Advance of £50,000, you will incur an Arrangement Fee of 1.5%, or £750. Interest is calculated on the Advance and the Fee
  • Interest will accrue daily, based on an annual rate of 18.2% (fixed). Assuming the Estate took 12 months to liquidate, you would owe £9,220 in interest plus £50,750 in capital and fees, resulting in a total balance owed of £59,970 and a representative 19.9% APR
  • In the event that your actual inheritance exceeds the total balance owed, any surplus will be paid to you
  • Where your inheritance is less than the total balance owed, the lender will absorb that loss, with no further recourse to you or the estate
  • For more information get in touch

Become a Partner

  • We pay referral fees to Partners where appropriate and work together in assessing the eligibility of applications, including estate valuations, in accordance with the lender’s underwriting criteria

Become a Partner

  • We partner with administrators, lawyers, will writers and IFA’s, providing their clients with an innovative, value-add offering
  • We pay referral fees to Partners where appropriate and work together in assessing the eligibility of applications, including estate valuations, in accordance with the lender’s underwriting criteria
  • Get in touch to enroll as a Partner and learn more about how we may collaborate in assisting your clients

Customer Application Form

Contact Us

Call us during the week from 9am to 6pm (excluding bank holidays) or write to us using the form. We will get back to you as soon as we can.