Bridging Finance

Probate Bridging Loans

Finance against inherited property for inheritance tax payments, beneficiary buyouts, and estate purchases. Sensitive, experienced handling at a difficult time.

Probate Finance

Unlock the value in inherited property

Dealing with an estate is emotionally and financially complex. Inheritance tax demands, beneficiary expectations, and the time it takes to obtain probate can create significant pressure on executors and families. Probate bridging loans provide a solution by releasing funds against the value of inherited property.

At Doulton Bridging Finance, we work with lenders who understand probate cases. Some will lend before the grant of probate is issued, giving you access to funds when you need them most. Whether you need to pay HMRC, buy out co-beneficiaries, or simply avoid a fire sale, we can help.

Pre-Grant

Lending Available

75%

LTV Available

7 Days

Fastest Completion

IHT

Funding Available

Key Benefits

How probate bridging loans help

Pre-Probate Lending

Some lenders on our panel will lend before the grant of probate has been issued, enabling you to access funds when they are most urgently needed.

Inheritance Tax Funding

HMRC requires inheritance tax to be paid within six months of death. Probate bridging loans provide the funds to meet this deadline without forcing a rushed sale.

Buy Out Beneficiaries

When multiple beneficiaries inherit a property and one wishes to keep it, bridging finance can fund the purchase of other beneficiaries' shares.

Estate Property Purchase

Purchasing a property from an estate? We arrange finance for buyers acquiring inherited property, including below-market-value transactions.

Sensitive Handling

We understand that probate matters involve a difficult time for families. Our team handles every case with discretion, empathy, and professionalism.

No Rushed Sales

A bridging loan against inherited property gives executors and beneficiaries breathing room. Sell the property at market value in your own time, not under pressure.

The Process

How it works

Initial Discussion

We discuss the estate, the property, and what you need the funds for. Whether it is IHT, beneficiary buyout, or simply cash flow, we assess the best approach.

Lender Selection

We identify lenders comfortable with probate cases, including those who will lend pre-grant. Terms are presented quickly so you can plan with confidence.

Valuation and Legal

A RICS valuation is arranged alongside legal work. We coordinate with your probate solicitors to ensure everything progresses smoothly.

Funds Released

Once all conditions are met, funds are released. The loan is typically repaid when the inherited property sells or the estate is settled.

Need finance against an inherited property?

We handle probate cases with sensitivity and efficiency. Talk to our team today about your options - no obligation, no pressure.

Get a Quote Discuss Your Requirements

FAQs

Frequently asked questions

What is a bridging loan and when is it used?

A bridging loan is a short-term property-secured facility, usually 1-24 months, used to 'bridge' a funding gap - for example between buying a new property and selling an existing one, completing an auction purchase within 28 days, breaking a property chain, or funding works before refinancing onto a mortgage.

How much can I borrow on a bridging loan?

We arrange bridging from £25,000 up to £100m+. Typical LTVs are up to 75% on residential, 70% on commercial, and up to 80% on larger prime deals. Second-charge bridging is available up to around 65% LTV.

How fast can a bridging loan complete?

Straightforward cases can complete in 5-10 working days. Complex security, multiple parties, or additional diligence typically adds 1-2 weeks. Valuation and legal turnaround - not lender underwriting - usually drive the overall timeline.

What exit strategies do lenders accept?

The most common exits are (1) sale of the security property or another asset, (2) refinance onto a mortgage, and (3) receipt of expected funds (probate, business cash flow, drawdown of other finance). Lenders stress-test the exit alongside the loan.

What are typical bridging rates and fees?

Rates currently start from around 0.49% per month and rise based on risk, LTV and property type. Expect arrangement fees of 1-2%, valuation fees of £300-£1,500, and legal fees of £1,500-£3,000. Interest can be serviced monthly, retained upfront, or rolled up.

Related finance

Explore related pages

Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.