Estate Advance - enabling Executors to access up to 60% of the value of the estate now

  • Aimed at Executors or Personal Representatives of estates. Can be used to pay Inheritance Tax (IHT), repair/renovate property in the estate, pay legal fees or other estate liabilities
  • Available to testate and intestate estates
  • Applications assessed solely on the value of the estate, not personal circumstances or credit rating. No charges over property
  • Advance is repaid to us when the assets from the estate are realised. No monthly repayments and no early repayment fees
  • No risk to the borrower. If it turns out the value of the estate is less than expected you will not be required to pay the shortfall should there be one
  • The Arrangement Fee (which is simply added to the loan) is 2% of the loan amount. The interest rate is 2% per month for as long as the Advance is outstanding.
  • Simple interest not compound interest. In the example below this would result in a saving of £1,440 compared to all other providers with the same rates that do charge compound interest

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We will contact you within one business day.

Representative Example

An Advance of £50,000 will incur an Arrangement Fee of 2% (£1,000). Interest is calculated on the advance and the fee. Interest accrues daily, based on an annual rate of 24% (fixed). Assuming the Estate takes 12 months to liquidate, you would owe £12,240 in interest plus £51,000 in capital and fees, resulting in a total balance owed of £63,240 and a representative 26.5% APR.


Did you know that the average time it takes to distribute an estate in the UK is one year?

This can be even longer - especially when there is IHT to be paid. IHT is the obligation of the estate’s executor.


Our four-step application process is designed to be as simple and stress-free as possible.

We will clearly confirm the information and documentation that we require from you.


Our pricing is clear and transparent, whilst our offering is easy to understand.

We don’t ask for security over property or for personal guarantees. Nor do we perform traditional credit checks on applicants.



To apply, complete a short online form or call us on 0203 813 6400. We aim to pre-approve eligible applications within 48 hours.


We will request some key documents from either you or your Estate Administrator. These include:

  • Copy of Death Certificate
  • Copy of Will (if applicable)
  • Confirmation of the assets and liabilities within the estate
  • Proof of ID, address and bank details


Application is reviewed. Successful applications receive a formal offer.


Loan documents are issued and signed (normally electronically). Funds are released.


When the estate is settled the loan is repaid to us, normally by the Estate Administrator or the professional firm responsible for the sale of a property within the estate.

To apply or for more information contact us on

[email protected] or call 0203 813 6400 or visit

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