Find a probate loan that's right for you
Flexible finance options to help you pay estate expenses.
Market leading rates
Borrow up to 60% of estate value
No credit check, proof of income or monthly repayments
Trusted relationships with high street & private banks, specialist lenders & wealth managers
Award-winning service
Enquire about a probate loan
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Probate loans made simple
We’ll guide you through the application and manage
the whole process until your new loan is secured
Our success stories
Through our market knowledge, we can deliver enhanced, bespoke or exclusive terms based on your requirements.
Capital raised
£360k
Loan to Pay Inheritance Tax Bill Before Selling London Property
Our client had just lost her mother and was tackling the administration of processing the estate alone. She needed to pay the 10% inheritance tax liability but couldn't do without first selling the property she was inheriting.
Capital raised
£120k
Loan for Inherited Property in Wiltshire
We were approached by a client who had found her dream holiday home in Wiltshire. She hoped to buy it with a recently acquired inheritance, but the estate had not yet passed probate. She needed a flexible solution that would empower her to act quickly and ensure she didn't lose out to another buyer.
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Capital raised
£350k
Probate Finance for a London Estate
The paperwork alone can put a significant strain on families recovering from bereavement. In this case, an inheritance tax bill had been missed, and our clients needed time to acquire probate so that they could sell their primary residence.
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Be one of our success stories
Frequently asked questions
We're happy to answer any questions or queries you might have when it comes to your enquiry. Here are some that our other clients found useful.
Is it possible to borrow against probate?
Yes, it is possible to borrow against probate through what is known as a probate loan or estate loan. This type of loan allows heirs or beneficiaries to access a portion of their inheritance before the probate process is completed, which can often take several months or even years.
How does a probate loan work?
A lender typically assesses the value of the inheritance and offers a loan based on a percentage of that amount. Once the probate process is finalised and the estate is settled, the loan is repaid from the inheritance proceeds.
This option can be useful for covering immediate financial needs or freeing capital for estate-related expenses. However, it's essential to be mindful of potential fees and interest rates and not take on more debt than you can afford.
How much could you borrow?
Lenders typically offer loans ranging from 25% to 60% of your expected inheritance value. For example, if you are set to inherit £100,000, you might be able to borrow between £25,000 and £60,000.
The lender will evaluate the estate’s total worth, including assets such as real estate, investments, and personal property, along with any liabilities the estate might have, such as debts or taxes.
They’ll also consider the likelihood of a smooth probate process—if the estate is large, complex, or subject to disputes, the loan amount may be lower or come with higher interest rates due to increased risk. Some lenders may also require documentation, such as a copy of the will, probate court documents, or a statement from the executor verifying your inheritance.
Why Clifton Private Finance?
We are award-winning independent finance brokers, who specialise in smoothing the complexity of the application process at every turn.
As an independent brokerage, we work for you, not the lender. Our advisers focus on listening to your unique scenario and providing you with the best finance solution for you today, and for your future.
We can help you:
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Understand what kind of loan you're eligible for and how much you can borrow.
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Feel comfortable with how the process works and what the costs will be.
On your behalf, we will:
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Compare rates across the entire market (from private lenders to high street banks)
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Negotiate the best deal for your circumstances
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Guide you through the application process
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Help you arrange your valuation(s)
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Liaise with your solicitor to sort the paperwork
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Chase through your application your new home is secured.
N Hargreaves
Dentist
Polite, professional, knowledgeable and handled our case with expertise. I would have no hesitation in recommending this company to anyone. I will certainly use them again myself for any future needs.
