How do we charge interest?

At Untangled interest is calculated using a ‘Simple interest’ method.

This means interest is charged only on the amount borrowed, rather than on previously accrued interest.

This calculation is different to ‘Compound interest’ which means interest can also be charged on the accumulated interest over time. Compound interest is common in the market, it rewards complexity, not clarity.

We don’t believe that’s right for your clients. We’ve made it straightforward for you to understand what you’re paying back.

What are the key benefits of simple interest?

• Simpler costs over time. No compounding means no snowball effect. Their interest stays steady. Predictable.

• Clarity from day one. Simple interest means no surprises. No build-up.

• Your clients are only charged for what they use. If you don’t drawdown the funds, they don’t pay for them. If they repay early, the interest stops right there.

• A smoother financial path. Simple interest gives your clients more control. More certainty.

At Untangled, we believe borrowing against an inheritance or family law settlement should be straightforward. Our simple interest model means your clients only pay interest on the funds they borrow, with no compounding and no hidden surprises. It's a fairer, more transparent way to access funds before an estate is settled or a settlement is received, giving your clients greater clarity and confidence throughout the process.