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Helping You Access Your Inheritance Without the Wait

Waiting months for probate to release funds can be stressful, especially when urgent expenses or opportunities arise. At inheritance-loans-rates.co.uk, we help you unlock part of your inheritance quickly and securely, often in as little as 3 days.

Our service connects you with a trusted inheritance loan provider, giving you early access to funds tied up in an estate. Whether it’s covering legal fees, paying outstanding bills, or simply enjoying financial freedom sooner, inheritance loans offer a flexible solution without forcing the premature sale of assets.

Inheritance delays can put financial pressure on families and beneficiaries. With inheritance advances, you can gain peace of mind knowing that money owed to you can be accessed quickly, while probate continues in the background.

This service is completely free and comes with no obligation.

Access Inheritance Sooner

Unlock funds tied up in probate quickly and securely — often in as little as 3 days — so you can cover urgent costs or seize opportunities without waiting.

Flexible, Fair Terms

Clear pricing, no monthly repayments, and funds repaid from the estate when probate completes.

Specialist Support

Speak to experts who understand estate administration. FCA-authorised lenders to help you secure the right advance at a competitive rate.

We have partnered with an FCA-authorised inheritance loan provider. Your details remain secure and confidential, and your request is handled quickly with expert support.

Unlock My Funds

Our Promise To You

Clarity, trust and no pressure — always.

Our comparison service is 100% free, with no hidden charges or obligations. While we may receive a commission from lenders, our commitment is to provide clear, unbiased information — helping you make the best decision for your financial needs.

Simple & Stress-Free Process

No pressure. No obligation. Just expert guidance.

1. Share a few details about your inheritance and financial needs

2. We connect you with a trusted, FCA-authorised inheritance loan provider

3. Receive a tailored offer — often with funds available in as little as 3 days

Fast Access to Your Inheritance – Without the Wait

Unlock My Funds

Why You Might Need a Probate or Inheritance Loan

Pay Inheritance Tax On Time

When someone passes away, HMRC usually requires inheritance tax to be paid within 6 months of death, even though probate has not yet been granted and executors don’t have access to the estate’s funds.

A probate loan bridges this gap by providing the money you need to pay HMRC on time, preventing penalties or interest charges for late payment.

Once the estate is released, the loan is repaid directly from inheritance funds. This means you don’t have to dip into your personal savings or take out a traditional loan — the inheritance itself secures the borrowing.

  • Avoid penalties – Pay HMRC’s bill without delays.
  • No personal risk – Loan is secured against the estate, not your savings.
  • Fast access – Funds available before probate is granted.

Access Your Inheritance Early

Probate can take 6–12 months (sometimes longer) before funds are released to beneficiaries. In the meantime, you may need money for:

  • Everyday expenses, education fees, or debt repayment
  • Covering funeral or legal costs
  • Buying a house or reinvesting while you wait

A probate loan gives you an advance on your inheritance, so you don’t have to wait until the legal process finishes.

  • Immediate support – Access funds when you need them most.
  • Flexible use – Cover essential or personal expenses while waiting for probate.
  • Stress-free – Loan repaid directly from your inheritance when the estate is settled.

FAQS

What is a probate loan? +
A probate loan (sometimes called an inheritance loan) is a short-term advance secured against an estate. It allows executors or beneficiaries to access money before probate is completed. This can be used to pay inheritance tax, settle expenses, or receive part of an inheritance early. The loan is repaid directly from the estate once funds are released.
How fast can I get funds? +
Funds can often be released in as little as 2 weeks, depending on the complexity of the estate and documentation. Many customers receive approval within days, making this one of the fastest ways to unlock money tied up in probate.
Do I need good credit? +
No, approval is usually not based on your personal credit score. Because the loan is secured against the estate, the main consideration is the value of the estate and your entitlement within it. This makes probate loans accessible even if you don’t have perfect credit history.
Will this affect my inheritance? +
No, your inheritance is not reduced — the loan is simply repaid from your share once the estate is finalised. You receive the balance of your inheritance after the loan and any associated costs have been deducted.
What are the costs involved? +
Probate loans usually involve interest on the amount borrowed, along with an arrangement fee that is typically added to the loan rather than paid upfront. All costs are agreed at the beginning, with no hidden charges. Unlike traditional borrowing, you don’t need to make monthly repayments, the loan is settled directly from the estate once probate is complete.
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