Add value to your clients by giving them immediate access to estate and inheritance funds
Add value to your clients by giving them immediate access to estate and inheritance funds
Access funds quickly
Funds typically released within 3 days of application
Exceptional customer service
One dedicated underwriter from start to finish
Solutions focused
We simplify the process and work directly with Solicitors
Straight-forward pricing
Arrangement fees are 1-2%. We only charge 1.5-2% simple interest
Missed our webinar on Estate Liquidity Under the New IHT Rules?
Discover what’s changing and how to stay ahead of new tax and probate rules.
OUR PRODUCTS
Estate Advance
If your client needs to pay Inheritance Tax, repair or renovate a property in the estate, pay legal fees or other estate liabilities, they can access up to 50% of the value of the estate now with Provira.
- Aimed at Executors or Personal Representatives of Estates.
- Can be used to pay IHT or other estate liabilities.
- Available to testate and intestate estates.
- Enables access to up to 50% of the value of the estate within days.
- 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 fees and no early repayment charges.
- No risk to the borrower. Provided there is no breach of the terms and conditions of the Advance, if it turns out the value of the estate is less than expected then the shortfall will not need to be repaid. We take the risk.
- Simple, straightforward application process.
- 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.
- Simple Interest not Compound Interest. On an advance of £50,000 repaid after 12 months this results in a saving of £1,440 compared to other providers with the same rates that do charge compound interest. (Assuming 2% arrangement fee and 2% monthly interest.)
OUR PRODUCTS
Inheritance Advance
Whatever your client needs the funds for, from buying a new home, going on holiday, or managing day-to-day expenses, they can access up to 50% of their inheritance now with Provira.
- Aimed at Beneficiaries of Estates both pre- and post-grant of probate or letters of administration.
- Can be used for any purpose.
- Available to testate and intestate estates.
- Enables access to up to 50% of a future inheritance within days.
- 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 inheritance is available to be distributed.
- No risk to the borrower. Provided there is no breach of the terms and conditions of the Advance, if it turns out the value of the inheritance is less than expected then the shortfall will not need to be repaid. We take the risk.
- Simple, straightforward application process.
- 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.
- Simple Interest not Compound Interest. On an advance of £50,000 repaid after 12 months this results in a saving of £1,440 compared to other providers with the same rates that do charge compound interest. (Assuming 2% arrangement fee and 2% monthly interest.)
Why partner with us?
Estate administration is often complex and time-consuming. Our products are specifically built to simplify the process, remove barriers and unlock estates.
- Strengthen your client offering with a specialist inheritance lending product
- Raise funding for estates with limited liquidity
- Provira can underwrite and have funds available within a few days, compared to weeks for conventional bridging finance
- We are the largest, longest established lender specialising in inheritance lending
- Earn an introductory commission for every referral
Our commitment to our partners
No pressure
If you think your client may benefit from our services you have the option to make them aware of what we do. We will happily discuss how we might be able to assist directly with them.
No risk
If there is a shortfall in the value of the estate or the future inheritance, we take the risk, provided there is no breach in the terms and conditions of the Advance.
No extra work
The information we need for underwriting purposes is the information you would be collecting as the part of normal administration process.
Transparent partnership
We will always work closely with you and provide complete transparency.
Let's work together
We’d love to partner with you to better support your clients. Book a time to meet with John our Director of Partnerships.
What Are The Fees For An 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.
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.
*representative 26.5% APR.
Andrew – Estate Advance
From burden to breathing space – Andrew’s story of rebuilding his life
Andrew – Estate Advance
From burden to breathing space – Andrew’s story of rebuilding his life
Guides for partners
Inheritance Tax reform is reshaping estate planning
Provira explores how new Inheritance Tax reforms affect estate planning and what advisers need…
Inheritance Tax reforms, probate delays and estate liquidity – what advisors need to know
In this webinar, experts explore how Inheritance Tax reforms, probate and liquidity are affecting…
Why Brokers and IFAs should add probate loans to their bridging portfolio
Probate delays, inheritance tax liabilities, or simple access issues can leave beneficiaries and executors…
Why even wealthy clients face estate liquidity gaps
Inheritance tax needs to be paid before probate is granted. For clients without access…
FAQ's
Provira is the largest, longest established lender specialising in inheritance funding in the UK. We proudly collaborate with hundreds of trusted partners—including finance brokers, IFA’s, solicitors, and specialist accountants, —who refer clients seeking an advance on their inheritance or estate during the probate process.
As an FCA-regulated organisation, we are committed to delivering fast, transparent financial solutions, while providing a level of customer care that ensures your clients feel as valued as your own.
Provira offers two core products:
An inheritance advance enables Beneficiaries to access up to 50% of their inheritance, pre-probate, within days, rather than the months typically taken to obtain probate and sell a property.
Estate Advance is aimed at Executors and Personal Representitives of Estates and can be used to pay some or all of the inheritance tax, or any other Estate Liability.
We offer 1% of the value of the loan amount as referral commission. This commission is paid to the introducer the month after the loan is drawdown.
A £50,000 loan will yield a commission of £500 to the introducer.
- Up to 50% of your future inheritance / net value of the estate
- Our Loans are unsecured, we do not take charges over property
- Representative APR 26.5%
- Interest rate of 1.5%-2% per month
- Arrangement fee of 1 – 2%
- Interest is simple, not compound and stops accruing at month 30
- There are no monthly repayments, the interest is rolled up into the loan and repaid by the Solicitor at distribution.
Our 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.
- A beneficiary or Executor looking for an advance on their inheritance to carry out home restorations on the deceased’s property before resale
- An Executor looking for an advance to pay inheritance tax (IHT)
- An Executor looking for an advance to pay estate expenses
- A beneficiary looking for an advance on their inheritance for everyday cash flow
- A charity looking for an advance on legacy giving
We delightfully accept introductions by email, phone or completing our form. We are able to assign every introduction to you as an introducer so that you can be credited for your referral.
Yes you need to be either FCA regulated, or exempted through SRA or ICEAW membership to be a partner of Provira and receive commission for introductions.
We work with a range of companies including brokers, accountants, IFAs, solicitors and more.
To onboard a partner, we require information including:
- Company name and limited company number
- Confirmation of FCA authorisation or exemption
- Completion of signed introducer agreement
No, once you have passed on the client, you will not be liable for their loan and the outcome of it – even if the customer defaults.
We aim to give your client the same care and attention that you would.
For more information about being a partner, speak to our customer care team on 020 3820 4830 Or email us at [email protected].