UNITED KINGDOM, United Kingdom – 31st July 2026 – MT Finance today announced the launch of a probate bridging loan service and complementary inheritance advance option designed to help executors and beneficiaries manage Inheritance Tax liabilities when estates are asset-rich but cash-poor.
The new probate bridging loan service provides a type of bridging finance intended to cover Inheritance Tax liabilities that are due before probate has been granted, addressing timing pressures that arise because probate, which takes on average around 9-12 months in the UK, often precedes access to sale proceeds or other estate funds. The service is structured to be secured against property or other estate assets and to be repaid from the sale proceeds, refinance outcomes or other available estate funds once administration is complete.
MT Finance’s announcement comes against a backdrop of increasing Inheritance Tax receipts. Inheritance Tax receipts reached a record £8.2 billion during the 2024/25 tax year, reflecting a rise in the number of estates liable for tax as property values have increased and tax thresholds have remained unchanged. In this context, the company highlighted that Inheritance Tax is normally charged at 40% on the value of an estate above available allowances, a factor that can produce significant cash requirements for executors when an estate’s value exceeds the Nil Rate Band and Residence Nil Rate Band thresholds.
The product suite also includes an inheritance advance option under which specialist providers advance a portion of an expected beneficiary inheritance before probate completion. That option is described as an alternative for beneficiaries who require earlier access to funds and prefer not to place additional borrowing against the estate itself. Repayment of an inheritance advance is arranged from the beneficiary’s share once estate administration has concluded.
The announcement cites common estate threshold figures to clarify the potential scale of liabilities. For the 2025/26 tax year the standard Nil Rate Band remains £325,000 and the Residence Nil Rate Band can add up to £175,000 when a main residence passes to direct descendants, which means some estates can pass up to £500,000 tax-free or up to £1 million for a married couple or civil partners where allowances are transferred. MT Finance noted that amounts above these thresholds are subject to the Inheritance Tax rate noted above.
MT Finance framed the new service as intended to support executors who face statutory deadlines for payment to HM Revenue & Customs before access to property sale proceeds or refinancing, a situation that can leave families seeking short-term liquidity. The company positioned the probate bridging loan as one of several practical options for resolving such timing issues, alongside family-provided short-term loans, the inheritance advance product and the use of personal savings where available.
MT Finance advised that the appropriate route depends on the composition of the estate, the timing of funds, the size of the tax liability and the beneficiaries’ circumstances. The firm emphasised the interplay between probate timing and tax deadlines, noting that securing temporary funding can enable estates to progress to sale or refinance without delay.
About MT Finance
MT Finance is a specialist finance provider offering bridging loans and short-term lending products for estates, property transactions and other secured lending needs. The company works with professional advisers, executors and private clients to structure finance aligned to estate administration timelines and asset profiles. MT Finance operates within the regulatory framework applicable to secured short-term lending in the United Kingdom.
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