6
Month HMRC deadline
3
Days average to pay HMRC
0
Personal liability for executor
100%
Free to use — no fee to apply
How It Works

From Enquiry to HMRC Paid — in Days

1. Complete the form

Enter the IHT amount, estate value, and contact details. Takes under 60 seconds to apply.

2. Lender assessment

FCA-authorised partner verifies the estate value and IHT reference with your solicitor.

3. HMRC paid directly

Funds transferred to HMRC using the estate’s IHT reference. No executor involvement.

4. Probate proceeds

HMRC confirmation sent to your solicitor. Grant of Probate application submitted immediately.

The IHT Catch — and How We Solve It

Without a loan

  • HMRC requires IHT within 6 months of death
  • Cannot get probate without paying IHT first
  • Cannot access the estate without probate
  • Estate assets (like the house) are frozen
  • Executor may need personal funds — and personal risk
  • Missed deadline triggers HMRC interest at 7.5%/year

With our IHT loan

  • Loan funds the IHT liability within days
  • Payment direct to HMRC — executor never handles money
  • HMRC confirms; probate application proceeds immediately
  • No personal liability on executor or solicitor
  • No credit checks — secured against the estate
  • Loan repaid from estate funds when probate completes

No Catches. No Hidden Costs.

No Credit Check

Secured against the estate

No Monthly Repayments

Repaid from the estate

No Personal Liability

Executor and solicitor fully protected

Interest Frozen at 18m

If estate delays, interest stops

No Early Repayment Penalty

Repay as soon as estate settles

No Security Required

No property or assets as collateral

No Interest on Origination

The arrangement fee doesn't accrue interest

100% Free to Compare

We earn from the lender, not you

Also Available

Other Ways We Can Help

Estate Expenses

Fund Administration Costs as They Arise

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

Learn more
Beneficiary Advance

Access Up to 50% of Your Inheritance Early

Don't wait 6–12 months for probate. Access your share now with no monthly repayments.

Learn more
For Professionals

Referring a Client? Zero Liability on Your Firm

Solicitors and estate professionals can refer clients in under two minutes. No liability whatsoever.

Learn more

IHT deadline approaching? Compare rates — your matched lender pays HMRC direct.

Free comparison. We match you to a trusted, FCA-authorised lender who pays HMRC directly. No obligation.

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