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Based on 78 reviews

Estate loans to take executors from stuck to sorted.

Being an executor comes with pressure. You may suddenly be faced with legal fees, tax deadlines, and property costs.

Probate doesn’t often move quickly, but costs do.

Our estate advance loan lets executors cover key costs upfront, including Inheritance Tax, without paying out of pocket or waiting for the estate to be settled.

Funds are repaid from the estate later. Giving you space to focus on what matters most: closure and clarity.

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We work with executors and professional firms to make the process simple, transparent, and fair.

Your executor loan is usually repaid directly from the estate once it’s settled - no monthly repayments, no hidden costs, and no surprises.

What they left behind shouldn’t leave you stuck, so our loans:

  • Cover inheritance tax, estate debts, legal fees, and property repairs
  • Start from £10,000
  • Require no monthly repayments and are usually repaid when the estate is finalised
  • Interest is charged on a simple basis.
  • We charge a 2% arrangement fee - no other hidden fees or surprise costs
  • Fast approvals, often within days
Why choose Untangled

Get funded in three steps

1

Submit an enquiry

Complete our enquiry form on our website to let us know your interest in a loan with us.

2

Fill out the application form

A member of our team will provide you with the application form to complete. Prepare key documents, such as the Will, Grant of Probate (if available), and estate details. You can also ask your professional firm for a referral.

3

Your application will be reviewed

We’ll assess your application promptly and conduct a credit check as part of our responsible lending process. You'll be informed when a decision has been made.

4

Your funds are unlocked

If approved, you’ll review and e-sign your agreement. We then verify the details with your professional firm or the executor before transferring funds to your nominated account.

Got questions?

Our FAQs answer the questions we hear most from our customers and partners.

Visit FAQs

What you need to know

We want to help you understand how this loan works and what it could mean for you:

  • The loan amount, including interest and any charges, will be repaid from the proceeds of your inheritance.
  • The loan is repaid before any payment is made to you, which may delay or reduce the inheritance you ultimately receive.
  • If your inheritance proceeds are not sufficient to repay the loan in full, you will not usually be responsible for paying any shortfall.
  • If you breach the terms of your loan agreement, or if your inheritance is not received within 12 months, the loan may become repayable before any inheritance is received.

What you'll pay and when

Fair, flexible legal funding.

When costs can't wait, our estate loans give you the breathing room to move forward - with no monthly repayments required.

For example:

If you borrow £15,000 and repay after 12 months, the total repayment would be £18,169. This includes £2,869 in interest and a £300 arrangement fee (at 18.75% annual interest and representative APR of 21.2%).

Disclaimer: All loans are subject to eligibility and responsible lending criteria. Rates depend on the estate’s circumstances and value.

Use our calculator to see how much you may be able to borrow.
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Has Probate been granted for the estate?*
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How repayment works

When the estate is settled, the executor repays the probate loan directly from the estate proceeds.

That means no required monthly repayments and no financial burden while you manage the process and focus on your future.

In rare cases, like if the loan terms are breached or the estate is not finalised within 12 months, repayment may be required before the estate is settled.

We do not provide legal or financial advice. If you’re unsure, please seek independent advice.

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Am I eligible for an estate loan?

You can apply if:
  • You're over the age of 18
  • The estate and assets are in Great Britain
  • You’ve been appointed as an executor or personal representative of a deceased estate
  • The deceased was domiciled and resident in Great Britain at the time of death
  • Any Will that exists is valid and undisputed
  • You can provide: a death certificate, evidence of the estate value, and supporting evidence of the estate assets
Enquire now
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Why choose an Untangled for
your estate loan?

Without Untangled
Purpose-built

Traditional borrowing options aren’t tailored for estate administration or legal timelines, which can create pressure when funds are needed quickly.

Repayments

Other options often require repayments to start immediately, with fixed schedules or interest accruing from day one.

Transparency

Fees, rates, or timelines may be unclear, and progress updates can be inconsistent.

Expert support

Other lenders may not have the same legal or financial expertise to guide complex estate cases.

Peace of mind

Other borrowing options may create additional stress or personal risk, especially when estate funds are delayed.

With Untangled
Purpose-built

Our loans are designed specifically to cover probate and estate costs, including inheritance tax, funeral costs, property liabilities, and legal fees.

Repayments

Funds are repaid only once the estate is settled. No monthly payments or upfront costs required.

Transparency

No hidden fees or early repayment penalties, with clear communication at every stage.

Expert support

Managed by specialists who understand probate, inheritance tax, and estate administration.

Peace of mind

Fair, transparent, and designed to ease the pressure of estate management during challenging times.

Your other funding options

Everyone’s situation is different, and it’s important to explore what works best for you.

Some other routes people consider include:

  • Personal loans from banks or online lenders
  • Credit cards for short-term access to funds
  • Support from family or friends
  • Bridging or secured loans for higher-value borrowing
  • Waiting for estate funds until the legal process is complete
If you’re looking for funding that understands the probate process and puts people first, we’re here to help you move forward.
Call us
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Excellent
Based on 70+ reviews

*Untangled was formerly known as Ampla Finance.

Seamless process from start to finish

Seamless process from start to finish. Could not fault the service. Without access to funding to support her legal fees, our client could not have afforded representation. It helped her to achieve an outcome that now leaves her financially comfortable and cushioned for the rest of her life.

Townsend Family Law, 21 July 2026

One of the best companies I’d recommend…

One of the best companies I have had the pleasure of working with in such a long time. They are extremely efficient, proactive and extremely professional.My personal case was handled by Vicki Vroome who has shown the utmost respect, been extremely helpful, and provided exceptional service.I would thoroughly recommend Ampla Finance to anyone who appreciates professionalism and outstanding customer service.

Teriese, 8 June 2026

FANTASTIC SERVICE

William Dorey, Becky Dixon and Kish Kerai have provided a seamless process for a not so straight forward deal. Their communication has been top tier and I look forward to working with them again soon!All incredibly knowledgeable and responsive throughout.

Chloe, 16 Feb 2026

Ampla finance a lifeline in the fight of my life

Ampla finance are and continue to be a huge lifeline to myself to be able to divorce my narcissistic abuse husband of over a decade, without the extra worry and anxiety of dealing with how I fund my divorce. It is a service that I am sure not many women and men in my position know about. If you know you have a reasonable amount of marital assists please consider asking solicitor about a litigation loan as it’s the best way to help you fight the fight of your life to be able to live your life in peace and financially secure. It’s a short term debt to a long term gain for your future. This company have been very professional and very much empathetic with my breakdown of my marriage. And would like to thanks them.

Jemma, 11 Nov 2025
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What makes our estate loans different

We blend financial precision and legal insight with a genuine human touch, to deliver funding that’s fair, fully transparent and tailored to your needs.
  • Decisions typically in days, not weeks
  • No jargon, no hidden costs
  • Dedicated contacts for executors and professional firms
  • Lending that supports both clients and advisors to achieve better outcomes

Because probate shouldn’t mean pressure. Just progress.

Enquire now

Estate Loan Documents

Estate loans can be complicated. Our guides below provide the clarity you need to move forward with confidence.

All guides

life doesn't
happen neatly.

Our loans help keep you steady when everything else feels shaky. We fund quickly, clearly, and without judgement.

 

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Ampla Consumer Finance Limited (trading as Untangled) is authorised and regulated by the Financial Conduct Authority for Consumer Credit. FCA Firm Reference Number: 79153.

Ampla Consumer Finance Limited is registered in England and Wales (Company No: 10906534. Registered office: 288 Bishopsgate, London EC2M 4QP.

Credit is subject to status and affordability checks. Terms and conditions apply. We act as a lender and do not provide regulated financial advice.

Untangled Loans Limited is registered in England and Wales (Company No: 16680123. Registered office: 288 Bishopsgate, London EC2M 4QP.