Dealing with an estate can be complex and emotionally draining, especially when funds are tied up in probate. If you are a beneficiary or executor and need access to money before an estate is realised, an inheritance loan can provide you with breathing space.Â
We arrange inheritance loans that can release up to 50% of a future inheritance, helping cover inheritance tax, legal costs, property expenses, or day-to-day commitments while probate is ongoing.Â
By working with lenders that aren’t available to every broker and accessing exclusive, market-leading rates, our team can clearly explain your options and keep the process straightforward from start to finish. We’re clever like that.
We don’t just “find rates.” We guide you through the entire process, liaising with all parties and pushing things forward. So, whether you’re waiting on probate or needing access to inherited funds sooner, we’re clever about the details, so you don’t have to be.
Typical timing: Probate can take months and, in some cases, well over a year, which is exactly why inheritance bridging exists.
If documents are available upfront, funds can often be released within days.
Send us a quick enquiry, including beneficiary vs executor, inheritance estimate, expected timeframe, and reason for funds and we will come back within 24 business hours with a clear plan and the likely structure of your loan.
Once this is approved, we submit the decision in principle (DIP) with the required estate documents (will, death certificate, probate status and beneficiary details). We’ll come back with terms and issue Heads of Terms. Once signed, we progress the full application through to offer and completion.
Funds in 7 working days; refinanced to BTL in month 3.
Completed purchase while selling the old home; loan redeemed in 3 months.
75% purchase bridge; works done; refinanced to lower-cost mortgage on completion.
(Anonymised; figures indicative.)
Where the required information is available upfront, funds can often be released within days. We’ll confirm timescales based on your situation and where you are in the probate process.
Inheritance loans are typically assessed against the estate rather than personal credit. In most cases, no personal credit check is required.
Inheritance loans are usually not secured against the property itself. The loan is repaid from the estate once probate is complete.
Both. We can support executors (or personal representatives) managing the estate, as well as beneficiaries who need access to funds before the estate is finalised. The structure will depend on the purpose of the loan.
Common uses include paying inheritance tax, covering legal or probate fees, settling estate liabilities, funding property repairs before a sale, or providing financial support while probate is ongoing.
Typically, up to 50% of the expected inheritance can be released. The exact amount depends on the estate value, liabilities, and stage of probate.
Usually a copy of the will, details of the estate’s assets and liabilities, and information about the solicitor or professional handling probate. We’ll clearly explain what’s needed at the outset.
The loan is repaid once the estate is realised, usually following the sale of assets or distribution of funds after probate completes.
That’s common. We structure inheritance loans with probate timelines in mind and will talk you through how this is handled before you proceed.
Send us a quick enquiry, and we’ll come back within 24 business hours with a realistic route forward.Â
There are no fees payable until we have found you a solution, and you will always speak to an advisor, not to a triage team passing you on. We believe in speaking to an expert from the start.
Email us directly with your enquiry by clicking here or using our email [email protected].
