Simple Process

How Referring a Client Works

Three simple steps. You stay in control throughout. Typically completed in under two minutes online.

1

Complete the Online Form

Use our 4-step quote form to enter the loan type, approximate amount, estate value, and the client’s basic contact details. You can also call 0808 304 9012 to refer by phone.

2

We Contact Your Client Directly

Our FCA-authorised lending partner contacts the client directly. You are kept informed at every stage. The lending relationship is between the client and the provider — not your firm.

3

Confirmation Sent to You

For IHT loans, payment confirmation is sent to your practice as soon as HMRC receives the funds. You can proceed to Grant of Probate without delay.

Your Protection

Zero Risk to Your Firm

Every element of this service is designed to ensure there is no professional or financial risk to the solicitor or estate professional making the referral.

No liability on your firm

The lending relationship is directly between the client and the FCA-authorised lender. Your firm has no exposure whatsoever — not even if the loan later defaults.

IHT paid directly to HMRC

Funds are transferred directly to HMRC using the estate’s IHT reference. The executor never handles the money. Confirmation is sent to your practice so you can proceed to Grant immediately.

No credit checks on clients

The loan is secured against the estate. Your clients are assessed on estate entitlement, not personal credit history — making this suitable for all applicants regardless of circumstances.

Interest frozen at 18 months

If a property proves slow to sell or administration runs long, interest stops accruing at 18 months — protecting the estate from runaway costs and the beneficiaries from disproportionate reduction in their inheritance.

No early repayment penalties

As soon as estate funds are released, the loan can be repaid in full with no additional charge — giving beneficiaries maximum flexibility throughout the administration.

FCA-authorised lender

All lending is carried out by our FCA-authorised partner. Clients receive a fully compliant, regulated service. Your referral does not constitute financial advice.

What You Can Refer

Three Loan Products, One Simple Referral Process

IHT Direct-to-HMRC Loan

For estates where IHT is due and there is insufficient liquid cash. Funds paid directly to HMRC. Probate can proceed the same day HMRC confirms receipt. Full amount, instalment, or shortfall — flexible to the estate’s position.

Estate Expense Loan (Drawdown)

For ongoing administration costs — legal fees, property clearance, repairs, insurance, conveyancing. The executor draws funds as costs arise. Interest accrues only on drawn amounts; unused facility carries no charge.

Beneficiary Advance

For confirmed beneficiaries who need access to their inheritance before probate completes. Up to 50% of anticipated net entitlement. No monthly repayments. Repaid from the beneficiary’s share when the estate is distributed.

Refer a Client Today

Ready to Refer a Client?

Our 4-step quote form takes under two minutes to complete. You can also call us directly to make a referral by phone. We will contact your client and keep you informed throughout.

What happens after you refer

The process for your client — fast and straightforward.

1
You complete the online form or call us with the client’s details and estate information
2
Our FCA-authorised partner contacts the client directly within 24 hours
3
They verify the estate details with you or the acting solicitor
4
IHT paid to HMRC or funds released — confirmation sent to your practice
Start Referral →
FAQs for Professionals

Solicitor Questions Answered

None whatsoever. The lending relationship is between the client and our FCA-authorised partner. You are a referrer only. There is no liability on your firm, no obligation on the client to proceed, and no effect on your professional indemnity position.

No. Making a referral to a regulated lender is not the same as providing regulated financial advice. You are simply introducing the client to a specialist service. The lending partner holds the FCA authorisation and provides any regulated advice directly to the client.

For IHT loans, HMRC typically confirms receipt within 3–7 working days of the loan being approved and funds transferred. Straightforward estates with a clear IHT reference number are processed fastest. You will receive confirmation directly so you can proceed to the Grant of Probate application immediately.

Interest is frozen at the 18-month point. No further interest accrues after that, regardless of how long the administration continues. This protects both the estate and the beneficiaries from disproportionate costs where property sales or other complications cause delays.

Yes. While it is ideal to act before the deadline to avoid HMRC interest charges, our lending partner can still fund IHT payments after the deadline has passed. The loan will cover the IHT and any interest HMRC has applied, allowing probate to proceed.

Ready to refer a client? We match them to our best-rate lender.

No liability on your firm. FCA-authorised lender panel. Best rate found for your client.

Refer a Client 0808 304 9012