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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'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.

Excellent
Based on 70+ reviews

*Untangled was formerly known as Ampla Finance.

Quick response times

Quick response times, and willing to negotiate for the best interest of the clients.

Jessica, 13th April 2026

Professional and Brilliant.

Sam and Kish once again have delivered a professional lovely service given the unique circumstances we were facing. Deeply grateful to Ampla Finance for a brilliant team and services. Thank you. Jacqueline.

Jacqueline, 5th March 2026

Five stars for Ampla Finance!

I had a very positive experience with Ampla Finance. From the beginning, they were professional, clear, and supportive throughout process. Everything was explained step by step in a way that was easy to understand, and I never felt rushed or pressured at any point. What could have been a stressful situation was made much more comfortable thanks to their patience and reassurance. I felt fully informed and confident in each stage of the process. I would definitely recommend Ampla Finance to anyone looking for a straightforward and professional service.

John, 17th February 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, 16th February 2026

life doesn't
happen neatly.

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

 

Enquire now

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.