Inheritance Advance

There’s no need to wait 12 months to access your inheritance.

Our Inheritance Advance lets you access up to 60% of the money you’re due with no regular repayments to make.

Thank you for your quote request. We’re on it.

Using the details you’ve provided, we’ll now produce a comprehensive quote showing how it works, what it costs, and how to apply.

We’ll send your quote to the email address you provided shortly.

This will be based on the information you’ve given us so far and we hope it helps you to decide whether the advance could be of benefit to you.

However, in order to fully confirm your eligibility for the advance we will need to talk to you so that we can find out some more details.

We’ll attempt to get in touch using the details you’ve provided. Or, you can contact us at your convenience on:

enquiries@advin.co.uk

0808 258 9800

Get your free quote

Thanks.

Based on the information you’ve provided, it’s possible that an may not be the right option for you as the is below our minimum required value of £. If you have entered an incorrect amount, feel free to enter a different figure » .

However, we’d be happy to discuss your requirements in more detail, please feel free to call us at your convenience on 0808 258 9800.

What is an Inheritance Advance?

It can take over a year for an inheritance to be paid out after somebody has died.

The process of distributing the wealth of somebody who has passed away, which is known as ‘probate’, can be complicated and often slow.

This means that many beneficiaries are faced with a frustrating and, at times, distressing wait for the money that they are due.

Our Inheritance Advance lets you bypass this delay, meaning you can access up to 60% of the money you’re due at any time after the death of a loved one.

The money you receive is tax-free.
Funds can be with you within just 5 working days.
There are normally no credit checks.
The advance, plus any interest and arrangement fees, are repaid out of your inheritance when it is ready to be distributed, so there’s nothing for you to pay directly.
Once we are paid back, the rest of your inheritance is paid to you directly from the estate as normal.
All of our loans have been awarded the maximum Five Star Rating from independent product rating experts, Defaqto.

Find out if you qualify »

A step-by-step guide

Access your tax-free advance in 5 easy steps

Get a free, no-obligation quote online in seconds.
Supply us with details of the estate.
We review your eligibility.
Complete the application forms.
We send the advance directly to your bank account.

Get your quote today »

What are the costs?

Let’s look at an example

The following comparison shows how advancing £40,000 from an inheritance of £120,000 would impact on the amount you receive and assumes that the estate takes 12 months from the date of the advance before it is distributed.

Cost Illustration

With Inheritance Advance

Amount you receive right away

£40,000

Amount you receive after 12 months

£69,452

Amount you receive in total

£109,452

Without Inheritance Advance

Amount you receive right away

£0

Amount you receive after 12 months

£120,000

Amount you receive in total

£120,000

Representative Example

The above illustration is based on the following: an arrangement fee of 1.95% is added to the loan at the outset, after which point interest accrues at a fixed rate of 21.5% per year. This is equivalent to a representative APR of 26.4% APR.

This example is based on a period of 12 months, after which the total amount payable would be £50,548, but the actual duration and total amount payable will depend on the length of time it takes for the inheritance to be paid.

We only want the best for our customers

The Best Price Guarantee from Advanced Inheritance^®

We want to be confident that our customers benefit not only from market-leading product features, but also great value, which is why we’re pleased to offer our Best Price Guarantee.

Here’s how it works.

If you’ve found what you think is a better deal elsewhere and you meet our lending criteria, simply email customers@advin.co.uk with the loan offer and we’ll either provide you with an offer of a loan that has a lower rate (based on the APR) or we’ll send you a £50 voucher to be redeemed at www.amazon.co.uk.

To make sure we’re comparing apples with apples, the Best Price Guarantee only applies to an alternative loan that comes with the same standards and safeguards that we offer to our customers, which means that the comparable offer must:

Be genuinely open ended – some companies offer probate loans that have a fixed repayment date, which we think could be a bit risky for borrowers in cases where the estate takes longer than expected to be distributed. Our loans are safer, as they run for as long as they need to.
Come with no personal liability – with our loans you’ll never be personally liable to pay us back directly provided you don’t breach the terms of the loan agreement.
Not be secured against any property – our loans don’t involve us taking a charge on any property.
Have no requirement for regular payments – our loans allow for partial payments at any time, but because there’s never any obligation to make payments during the term it’s impossible to fall into arrears.
Be evidenced in the form of an actual offer of a loan from an FCA‑regulated provider – unlike Advanced Inheritance, some providers offer a headline interest rate at the start that may be different to the actual price offered when they’ve carried out a lending assessment. Because of this, we’ll need to see an actual loan offer in order to beat any alternative price.

What next?

Do you qualify?

In order to qualify for an Inheritance Advance, you should be able to meet the following criteria.

The person leaving you an inheritance has passed away.
You can demonstrate your entitlement to an inheritance, either through a current will or, if there was no will, by telling us about your family tree.
You, or the person managing the affairs of the deceased, can tell us about the assets, such as property, cash or investments, as well as any debts, that have been left behind.
You have a requirement for some money (as there’s no point paying to advance money if you don’t need it).
To find out more, we suggest contacting us for a no-obligation quotation.