Why People Apply

Common Reasons for a Beneficiary Advance

Property Purchase

Your inheritance is the deposit and you’re in a property chain that can’t wait for probate.

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Debt Repayment

Outstanding debts causing financial pressure while you wait for the estate to be distributed.

Care Home Fees

Funding care for yourself or a family member while the estate takes months to finalise.

Education Fees

School or university fees that can’t wait 6–12 months for probate to complete.

Time-Sensitive Purchase

A major purchase — vehicle, equipment, or business investment — that cannot be delayed.

Financial Peace of Mind

Access funds to manage living costs and reduce anxiety during a difficult time.

FAQs

Beneficiary Advance Questions

You qualify if you are a named beneficiary in a will (or entitled under intestacy rules), the estate is being administered by a solicitor or professional executor, and the estate value is sufficient to support the advance. No credit check is carried out.

No. The advance and associated costs are deducted from your specific share when probate completes. The rest of your inheritance — and other beneficiaries’ shares — are completely unaffected.

Yes. Our lending partner will contact the solicitor to verify your entitlement before funds are released. The solicitor only confirms your entitlement and the estate value — there is no liability on them whatsoever.

Also Available

Other Estate Loan Products

IHT Loan

Pay Inheritance Tax Directly to HMRC

Fund an IHT liability before probate is granted. Payment direct to HMRC.

View IHT Loan →
Estate Expenses

Fund Administration Costs as They Arise

Drawdown facility for legal fees, property costs, and all testamentary expenses.

View Estate Expense Loan →
Guides

What Is Probate? Plain-English Guide

Everything families need to know about the probate process.

Read the Guide →

Compare beneficiary advance rates — access your inheritance early.

We match you to the best-rate lender from our FCA-authorised panel. No pressure. No obligation.