Unlock your
inheritance
so you can move
forward
Our highly experienced and caring team makes the process as simple and efficient as possible so you always have peace of mind.
What is an Inheritance advance?
Our Inheritance Advance lets you access up to 50% of your inheritance within just a few days!
If you are the Beneficiary of an estate it can take up to 12 months before you have access to your inheritance. For estates that include multiple properties, shares or complex financial arrangements this can be even longer.
- The Advance is available pre and post grant of Probate/Confirmation/ Letters of Administration and regardless of whether there is a valid Will or not.
- Applications are assessed solely on the basis of your future inheritance, not on your personal circumstances or credit rating. No personal guarantees or charges over your property are required. If it turns out that your inheritance is less than expected, then as long as you have kept to the terms of the agreement, you will not be required to pay the shortfall should there be one.
- The Advance is normally re-paid in full when your inheritance is
received. There are no monthly repayments and no early repayment fees.
How it works
Your funds, your choice
No matter what your credit score
Applications are assessed solely on the basis of your future inheritance, not on your personal circumstances or credit rating.
With or without a Will
The advance is available before and after the grant of Probate and regardless of where there is a valid Will or not.
Fast, fair and simple
We aim to pre-approve eligible applications within 48 hours.
We only charge simple interest, not compound interest.
Get your inheritance in these 4 simple steps
1
2
Send us your documents
We confirm your eligibility, send you a document list and you provide:
- Copy of Death Certificate
- Copy of Will (if applicable)
- Copy of Grant of Probate/Confirmation/Letters of
Administration (if applicable) - Confirmation of the assets and liabilities within the estate
- Proof of ID, address and bank details
We confirm your eligibility, send you a document list and you provide:
Show list
- Copy of Death Certificate
- Copy of Will (if applicable)
- Copy of Grant of Probate/Confirmation/Letters of
Administration (if applicable) - Confirmation of the assets and liabilities within the estate
- Proof of ID, address and bank details
3
Your application is assessed
hours and successful applications receive a formal email offer.
4
Receive your funds
Loan documents are issued, signed (normally electronically) and funds are transferred immediately to your nominated bank account.

Ready to get started?
Other things to know
- There are no monthly repayments and no early repayment fees.
- The Advance is normally re paid in full when your inheritance is received.
- 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.
- If it turns out that your inheritance is less than expected, then as long as you have kept to the terms of the agreement, you will not be required to pay the shortfall should there be one.
- If it turns out that your inheritance is less than expected, then as long as you have kept to the terms of the agreement, you will not be required to pay the shortfall should there be one.
Bonnie Beadle – Inheritance Advance
From turmoil to tranquillity - how Bonnie unlocked her country dream
Bonnie Beadle – Inheritance Advance
From turmoil to tranquillity - how Bonnie unlocked her country dream
Representative example
An Advance of £50,000 with an Arrangement Fee of 2% (£1,000) and an Interest rate of 24% (fixed). Interest is calculated on the advance and the fee and accrues daily.
12 months | Time to liquidate estate |
£12,240 | Owed in interest |
£51,000 | Owed in capital and fees |
£63,240 | Total balance owed* |
*representative 26.5% APR.
What Are The Fees For An Inheritance Advance?
The Arrangement Fee (which is simply added to the loan) is 1-2% of the loan amount. The interest rate is 1.5-2% per month for as long as the Advance is outstanding.
Crucially, we only charge simple interest rather than compound interest. This means you are not paying interest on the interest. In the example above, this would result in a saving of £1,440 compared to all other providers with the same rates and fees that do
charge compound interest.
What Are The Fees For An Inheritance Advance?
The Arrangement Fee (which is simply added to the loan) is 1-2% of the loan amount. The interest rate is 1.5-2% per month for as long as the Advance is outstanding.
Crucially, we only charge simple interest rather than compound interest. This means you are not paying interest on the interest. In the example above, this would result in a saving of £1,440 compared to all other providers with the same rates and fees that do charge compound interest.

We’re here to help
It’s important to us that you have all the information you need to move forward with hope.
or call us on 0203 813 6400
FAQ's
That doesn’t matter, because underwriting is focused on the Estate (and its assets/liabilities) rather than your personal credit rating. The application process therefore ensures that there’s a clear link between applicants (i.e. Beneficiaries) and the Estate, as well as establishing the estimated value of eligible assets within the Estate, to advance funds against.
We will estimate the value of the Estate’s eligible assets less any liabilities owed, such as the Administrator’s fees, mortgages over property within the Estate, etc. This gives the Estate’s estimated net eligible asset value.
Eligible assets are typically (UK domiciled) cash, as well as publicly quoted investments and properties that are to be sold. We may consider other assets by exception. You will then be offered up to 50% of your portion of the Estate’s net eligible assets. You may, of course, take less.