Monday - Sunday 9am-7pm
free 30-minute consultation.
To book your free 30 minute consultation with a probate specialist, call us now on:
Our lines are open Mon-Sun 9am-7pm
We’re featured on
We won’t be beaten on price and there’s nothing to pay upfront
Our estate administration service
From as little as
plus VAT and Disbursements
We take complete responsibility for acquiring probate and managing all legal, tax, property, and estate administration matters on your behalf
We deal with HM Revenue & Customs (HMRC) on your behalf
No upfront costs to worry about as the fixed and inclusive fee is taken from the estate
Why choose our leading estate administration service
Our specialists will oversee your estate administration matters comprehensively, handling every aspect from start to finish. This not only alleviates you of the time and effort involved but also ensures peace of mind, knowing that every detail is handled correctly.
Our team at Affinion Probate will:
- Provide you with a dedicated case manager
- Complete the probate application and inheritance tax forms
- Publish statutory notices in the London Gazette and the deceased’s local newspaper
- Collect and value all assets and pay any outstanding debts
- Prepare estate accounts and pay beneficiaries
- Distribute the remaining estate assets in accordance with the Will
You’ll receive ongoing support from your case manager, who will provide you with their contact details, be easy to contact and keep you informed from start to finish.
Our estate administration process
Comprehensive estate review
Your dedicated Case Manager will carry out a detailed review of the estate to obtain the information required to apply for the Grant of Probate. This will include checking the validity of the Will (or applying the Rules of Intestacy if the estate is intestate), identifying entitled personal representatives and beneficiaries, and confirming the value of the assets, debts and liabilities of the estate in preparation for the Grant of Probate application.
Financial coordination, tax compliance, and applying for probate
We will contact all relevant financial institutions, prepare a schedule of assets and liabilities of the estate based on valuations received, complete the relevant Inheritance Tax forms and submit them to HMRC (whether there is Inheritance Tax to pay or not). We will also complete all other relevant documentation and apply for the Grant of Probate.
Creditor notification and risk mitigation
Once the Grant of Probate has been obtained statutory notices are placed in the London Gazette and the local paper where the deceased lived. These notices have a 2 month notice period within which creditors of the estate can claim for any debts owed to them by the deceased. This significantly reduces the risk of future claims by creditors against the estate.
Executing probate, closing accounts, and facilitating property transfers
The Grant of Probate will be sent to banks, mortgage companies and anywhere else the deceased had an account, policy or other asset. All accounts will be closed and funds collected.
If there is a property in the estate, it can now be sold or the paperwork prepared to transfer the property into the names of the beneficiaries. Your Case Manager will handle this process, including liaising with estate agents and your chosen conveyancing solicitor.
Debt settlement and interim distribution
Provided there are sufficient funds available in the estate, the debts will be paid and, if there are no claims against the estate, it may be possible to distribute a proportion of the estate to the beneficiaries.
Finalising the administration and distributing the remainder of the estate
Assuming that there are no delays in finalising the Estate Administration, such as a property that needs to be sold, we have received clearance from HMRC in relation to inheritance tax, income tax and, if necessary, capital gains tax and there are no DWP investigations or any contentious claims etc, it is now possible produce the estate accounts for the Personal Representatives to approve and then to make final distributions to the beneficiaries.
How our leading estate administration experts can help you
Comprehensive fixed-fee service
We will manage the process from start to finish for a fee that’s fixed and fair. No hidden costs or hourly rates
Obtaining Probate and administering an estate typically takes 9 – 12 months to complete, dependent upon the size and legal complexity of the estate
Price matched probate service
We don’t want you to choose between the best service and the best price. We price match every service we offer
No solicitor’s office visit needed
Our service covers the whole of England & Wales and we’ll make sure everything can be done from the comfort of your own home
What is estate administration?
Estate administration is the process of dealing with the legal and tax affairs of the deceased. This includes dealing with their assets (such as property, shares and possessions), paying any debts and distributing the proceeds to the beneficiaries.
Obtaining probate and administering an estate typically takes 9 – 12 months to complete, dependent upon the size and legal complexity of the estate.
Your dedicated case manager will keep you updated and informed on the progress of your case, including developments with institutions such as HM Revenue & Customs, HM Court Service, the Department of Work and Pensions and all the relevant financial institutions during the estate administration
Charities we support
How Affinion Probate can help you
Affinion’s estate administration service, starting from £1,995 (plus VAT and Disbursements), is designed to make the complex process of managing a deceased individual’s affairs straightforward. With a commitment to transparency and affordability, we guarantee no upfront costs, making the process worry-free for you.
Our experienced and dedicated Case Managers guide you through every step, ensuring a meticulous handling of probate applications, completion of inheritance tax forms, and the publication of statutory notices in the London Gazette and the local newspaper. We take charge of collecting and valuing all assets, paying outstanding debts, and preparing accurate estate accounts for the smooth execution of the entire process.
Understanding the emotional and legal complexities involved, we facilitate the distribution of remaining estate assets in strict accordance with the Will or Rules of Intestacy if there’s no Will. The administration timeline, typically spanning 9-12 months, is closely managed by your Case Manager, who keeps you informed on progress, liaises with relevant institutions such as HM Revenue & Customs, HM Court Service, and the Department of Work and Pensions, and ensures compliance with legal requirements.
For a personalised, no-obligation quote for our full estate administration service, please contact us. Let us take the burden off your shoulders, ensuring a smooth and efficient administration process, tailored to your specific needs.
Talk to our leading estate administration specialists
During your free consultation, one of our friendly specialists will help you work out:
Whether you need assistance with just obtaining probate or dealing with administration of the estate in full
The right service for you and the associated fixed fee
What information and documents you’ll need for the process to begin
Frequently Asked Questions
Thank you for considering our fixed fee full estate administration service, starting from £1,995 plus VAT and Disbursements.
We want to assure you that there are no upfront costs involved. Our fees are seamlessly taken from the estate, ensuring your peace of mind throughout the entire administration process.
Feel free to reach out for a no-obligation quote tailored to your specific needs. We are here to assist you in navigating the estate administration process with transparency and professionalism.
The estate administration process in England and Wales involves several steps, and the specifics can vary based on the complexity of the estate, whether there is a valid will or not, and the presence of any outstanding debts. Here is a general outline of the key steps involved:
Registering the Death:
The death must be registered with the local registrar within five days.
Obtaining the Will (if applicable):
If there is a valid will, the executor named in the will is responsible for handling the estate. If there is no will, an administrator is appointed.
Applying for Grant of Probate or Letters of Administration:
The executor or administrator must apply for a Grant of Probate (if there is a will) or Letters of Administration (if there is no will). This legal document grants the authority to administer the estate.
Valuing the Estate:
The executor or administrator must determine the value of the deceased person’s assets and debts. This includes property, bank accounts, investments, and personal possessions.
Paying Inheritance Tax:
>Inheritance Tax may be due, depending on the value of the estate. The executor or administrator is responsible for calculating and paying any Inheritance Tax owed.
Obtaining the Grant of Probate or Letters of Administration:
Once the application is approved, the Grant of Probate or Letters of Administration is issued, providing the legal authority to distribute the estate.
Settling Debts and Distributing Assets:
The executor or administrator uses the estate’s assets to settle any outstanding debts, including funeral expenses and taxes. The remaining assets are then distributed to the beneficiaries according to the terms of the will or intestacy laws.
Closing Accounts and Transferring Property:
Bank accounts are closed, and property may be transferred or sold as required.
Finalising the Estate:
The executor or administrator provides a final account of the estate to the beneficiaries and the court. Once all aspects are complete, the estate can be closed.
The duration of the estate administration process in England and Wales can vary depending on several factors, including the complexity of the estate, the presence of a valid will, the efficiency of the executor or administrator, and any potential complications that may arise. On average, the process typically takes between nine months to a year, but it can take longer in certain more complex situations.
It’s important to note that unforeseen issues, such as disputes among beneficiaries, complex assets, or challenges in obtaining necessary documents, can prolong the process. In some cases, estate administration may take more than a year.
Handling outstanding debts is an essential part of the estate administration process in England and Wales. Here’s a general overview of how outstanding debts are typically managed:
Identification of Debts:
The executor or administrator must identify and compile a comprehensive list of the deceased person’s outstanding debts. This may include mortgages, loans, credit card balances, utility bills, and any other financial obligations.
Publication of Notice to Creditors:
The executor or administrator may publish a notice in the London Gazette and a local newspaper to inform creditors that the person has passed away. This serves to notify creditors of the opportunity to submit their claims.
Notification to Creditors:
Direct notification of known creditors is also essential. Creditors are typically given a specified period, often two months, to submit their claims against the estate.
Payment of Debts:
Once the claims are received, the executor or administrator assesses their validity. Valid claims are paid from the assets of the estate. The payment priority is established by law, with funeral expenses and administration costs taking precedence.
Inheritance Tax and Other Taxes:
The executor or administrator must settle any outstanding Inheritance Tax and other taxes owed by the deceased person. This is often done before distributing assets to beneficiaries.
Insufficient Funds to Pay Debts:
If the estate does not have sufficient funds to cover all debts, the estate may be declared insolvent. In such cases, the order of priority for debt payment is determined by law, and creditors may not receive the full amount owed.
Final Account and Distribution to Beneficiaries:
After settling debts and taxes, the executor or administrator provides a final account of the estate to the beneficiaries and the court. The remaining assets are then distributed to beneficiaries according to the terms of the will or intestacy laws.
Once the estate accounts are produced in the estate administration process in England and Wales, the executor or administrator takes several key steps to finalise the estate. Here’s an overview of what typically happens after the estate accounts are prepared:
Review and Approval:
The executor or administrator, along with any legal or financial professionals involved, reviews the estate accounts to ensure accuracy and completeness.
Final Account Submission to Beneficiaries:
The final account is provided to the beneficiaries, detailing the assets, liabilities, expenses, and distributions made during the estate administration process. This document offers transparency and serves as a comprehensive record of the financial transactions.
Beneficiary Approval or Queries:
Beneficiaries may review the final account and either approve it or raise any questions or concerns they may have. Clear communication between the executor and beneficiaries is essential during this phase.
Closing Bank Accounts and Transferring Assets:
Bank accounts in the name of the deceased may be closed, and any remaining funds are transferred to the estate account. Other assets, such as property or investments, may be transferred or sold as per the wishes outlined in the will or according to the laws of intestacy.
Payment of Remaining Debts and Expenses:
Any outstanding debts, expenses, or taxes are settled from the estate funds before the remaining assets are distributed to beneficiaries.
Distribution to Beneficiaries:
The remaining assets are distributed to the beneficiaries according to the terms of the will or the rules of intestacy. This distribution may include specific gifts, bequests, or a share of the residuary estate.
Final Closing Documents:
Once all distributions are complete, the executor or administrator prepares and submits the final closing documents to the probate registry, officially concluding the estate administration process.
Closure of the Estate:
With the distribution complete, debts settled, and necessary documents filed, the estate is officially closed. The executor or administrator notifies the relevant parties, and the legal process concludes.
Throughout these steps, it’s crucial for the executor or administrator to maintain accurate records and communicate effectively with beneficiaries to ensure a smooth and transparent estate administration process. Seeking professional advice from solicitors or probate specialists can be helpful in navigating potential complexities.
Whether you need a grant of probate in England and Wales depends on the specific circumstances of the deceased person’s estate. Here are some key factors that determine whether a grant of probate is required:
Estate value: If the estate of the deceased person is valued above a certain threshold, typically £5,000, you will generally need a Grant of Probate. However, financial institutions may have their own thresholds for requiring probate, so it’s advisable to check with them.
Sole ownership: A grant of probate is usually required when the deceased person owned assets solely in their name. This includes real estate, bank accounts, investments, and personal property. Assets held jointly with someone else (e.g., joint tenancy with rights of survivorship) or assets with named beneficiaries (e.g., life insurance policies, pension accounts) may bypass probate.
Complex estates: If the estate is complex, involves multiple beneficiaries, significant debts, or assets held in trusts, probate may be necessary to ensure proper administration.
Named executor: If there is a valid will, and the deceased person named an executor, that executor will typically need to apply for a grant of probate to carry out their duties and responsibilities.
Dealing with financial institutions: Many financial institutions, such as banks and investment companies, require a grant of probate before they will release funds or transfer assets to the executor or beneficiaries.
Tax liabilities: If there are inheritance tax or estate tax liabilities, the grant of probate may be necessary to settle these obligations.
Other legal requirements: Certain legal and financial transactions may require a grant of probate, such as selling or transferring real estate owned by the deceased person.
It’s important to consult with a solicitor or legal professional who specialises in probate and estate matters to assess your specific situation. They can provide guidance on whether a grant of probate is required and assist you in the probate process if necessary. Keep in mind that probate rules and thresholds may change over time, so it’s important to get up-to-date information and legal advice tailored to your circumstances.
Have a different question? Ask our friendly specialists today.
Our friendly specialists are happy to answer any probate questions you may have during your free consultation.0330 555 8000
Our lines are open Mon-Sun 9am-7pm