5th February 2026 Webinar

How to Protect Clients from Delays, Interest and 2027 Changes

You can be confident with the UK’s most trusted Inheritance and Estate Advance provider.

Overview

The inheritance tax landscape is shifting fast, and your clients are feeling it.

Since April 2025, new residence-based IHT rules have added complexity for long-term UK residents and cross-border families. From April 2027, unused pension funds will also be drawn into IHT, creating new planning challenges.

Even though probate times are improving, cash-flow pressure on estates hasn’t gone away. HMRC’s late-payment interest now sits at base rate + 4%, leaving advisers, solicitors, executors and beneficiaries facing tight deadlines and growing client anxiety. Whether supporting executors managing estate costs or beneficiaries waiting for their inheritance, timely access to funds can make a real difference.

As the UK’s largest provider of inheritance and estate advances we teamed up with probate expert Paul Radcliffe and Titan Wealth IFA George Davey for a practical, insight-driven session that will help you navigate these challenges with confidence.

We unpacked when and how advances can ease liquidity pressure, shared real-world case studies, and shared a referral checklist you can start using straight away.

What we covered

When inheritance and estate advances are appropriate, and how they really work in practice.
What the current rules mean and some practical steps you should take to stay compliant and support clients effectively.
Three common triggers for an advance, including paying IHT to obtain the grant, supporting dependants, or funding essential works before a sale.
How to compare the cost and benefit of an advance versus HMRC instalments or late-payment interest.
How inheritance advances can help beneficiaries access funds sooner, without waiting for probate to complete.
How to apply a simple suitability checklist that aligns with professional obligations.

Speakers

Steve Gauke, Managing Director at Provira

Steve joined Provira in early 2022 and has seen the business grow to become the leading provider of probate loans in the UK. He holds a Master’s Degree in Business Studies and has over 20 years experience in professional services, including senior roles at The Law Society of England & Wales and Kreston Reeves. Steve is focussed on ensuring the business delivers a world class service to both its customers and partners. It is this approach that has been the cornerstone of Provira’s success and is the driving motivation for the whole Provira team.

Outside of work, Steve is most often found on the cricket pitch or golf course, primarily failing to work out how to prevent the advancing years further ruining his game!

Paul Radcliffe, Technical Lead at Laurelo

After well over a decade within the industry Paul has worked his way toward being an industry leader with the most compassionate of approaches. Now working for a national family firm called Laurelo, who strive to offer the highest level of service and compassion and always ensuring they take a families come first approach.

Achieving 2nd place in 2024 for a national achievement award at the Probate Industry Awards for the work he carries out on education and a driving force to make the industry better. Paul has become nationally recognised and affectionately known as ‘Probate Paul’

Paul leads the way in being a true advocate of education needs to be improved within the death sector and spends over 30% of his time spent on free help / support and guidance to audiences around the country.

George Davey, Financial Planner at Titan Wealth Management.

George works with his clients to provide holistic and truly objective-based financial advice. He looks to take the complexity out of building an effective financial plan, boiling each plan down to its simplest form. George’s approach enables him to build strong relationships with his clients, setting them at ease and enabling them to focus fully on enjoying their busy lives.