Settld Probate Partner2024-02-22T13:08:42+00:00

Settld. Probate Partner

Saving you time, stress, and thousands of pounds.

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What is Probate and do I need it?

  • Probate gives you the legal authority to deal with someone’s assets and money after they die.

  • Probate is usually needed when the person who died owned property or significant assets, in their sole name. (Use our free tool to check if you need Probate).

  • Most people can handle Probate without a solicitor, but it helps to have an expert to turn to when questions arise.

  • Settld Probate Partner was created to give people affordable legal support and avoid common delays. With our packages, you can do it yourself with our guidance, or let us do the work for you.

The Probate Process – quick overview

Settld Probate Partner offers advice and support each step of the way.

Use our template to create this list. Later in the process our template can easily be turned into a set of simple Estate Accounts, which are required to show all the ins and outs of the estate finances

Open a separate bank account to run all the ins and outs of the estate through. This will make it much easier to account for everything at the end of the process. If multiple executors need access, we’d recommend opening an ‘executor account’.

Not sure you’ve found everything?

  • Try looking through the person’s papers, internet bookmarks and bank statements.
  • Consider a Missing/Unknown Asset Search to check for lost or dormant financial policies and accounts.

Use our free notification service to inform all relevant companies of the death, and request all balances (including interest) in one go. We’ll gather details in one secure place for you, and help to close/transfer accounts when no probate is required.

If the estate is not paying inheritance tax, you can use a reasonable estimate for personal possessions, based on what you think they’d be worth on the open market.

If there’s no Inheritance Tax to pay, you can use the recent sale prices on Rightmove or Zoopla of similar nearby properties with the same number of bedrooms, or ask a local estate agent for a free desktop valuation. 

If you need to pay inheritance tax, you may need to get a formal valuation by a chartered surveyor.

You’ll need probate if a sole account/policy is over an organisations ‘Probate-free limit’, or in certain situations when a property is involved.

Not sure if you need Probate? Use our free tool to find out in one minute if you need probate.

You usually don’t have to pay Inheritance Tax if one of the following is true:

  • The estate is worth less than £325,000
  • The estate is worth more than £325,000 and it passes in full to a spouse, civil partner or charity
  • The estate is worth between £325,000 and £650,000, and the person had a spouse that died before them, and they left their estate to the person that has died more recently

There is also the ‘residence allowance’ which raises the personal threshold from £325,000 to £500,000 if a property passes to children or grandchildren (including step, adopted or foster children).

If a property was sold in the past few years, this allowance might still apply. Not sure? Book a free call to discuss this.

In most cases, anything over these limits would be taxed at 40%.

Unless you are very familiar with the deceased person’s finances and there is a Will, it is strongly recommended to place a notice in The Gazette to protect Executors against claims against the estate by unknown creditors.

In around 10% of cases you will need to submit extra tax (IHT) forms to HMRC before you can apply for Probate, even if there’s no tax to pay. If you need to pay Inheritance Tax, this is definitely the case.

Use our free tool to find out if you need to fill in the IHT forms.

Inheritance Tax – on everything except property – must be paid before you can apply for Probate. 

You can instruct banks and other organisations to pay this directly to HMRC, even from a frozen account. 10-year payment plans can be set up for property. 

Many people have questions when it comes to the numbers. Book a free call with one of our experts for guidance on the calculations. 

Applications for Probate can be made online in some cases, or by post. Either way, you will need to post in the original death certificate and Will (if applicable). 

Our service can help you get the form(s) 100% right.

When you have the Grant of Probate, you can access all the accounts and assets as if they were your own. This is the time to get money 

Check with beneficiaries if they would prefer to have an asset transferred to them before selling it.

Before distributing the money, make sure to pay off all estate debts, taxes and expenses. 

If you think the estate may be bankrupt, speak to us before you sell, pay-off or distribute anything.

If you use our template to list the companies and run all the ins and outs of the estate through a separate bank account, this should be a very straightforward step.

Ensure all final balances of all accounts, assets, debts, expenses and taxes are included, along with any accrued income or interest. 

Pay out the money by the terms of the Will, or by the law if there isn’t a Will. 

Ask anyone inheriting a percentage of the estate to sign a copy of the estate accounts, and keep this as a receipt. These should be held with all the other important documents for your records, HMRC can request details for up to 12 years. 

Select the support you need*

Save thousands of pounds compared to traditional legal fees

What’s Included Probate Essential Probate Support Probate Complete
Package Overview
What you’ll get
Backup professional legal
to answer all your
at any time
Peace of mind in having
your forms checked by
an expert, before you submit
Settld completes all forms
and handles everything for you
(as a solicitor would)
Unlimited Expert Support
Call, Chat, or Email
Estate accounts template
Plus guidance
Companies notified of the death
Contacted for you
Date of death balances
Collected for you
Probate Form Review
Professional check
IHT Forms Review (if needed)
Professional check
Probate Form Edit
If changes are required
Property Title Information
Verified with Land Registry
Income Tax & Capital Gains Tax
Checked for you
IHT Form Completed
Done for you
Probate Form Completed
Ready to submit
Package Price




Buy now
Buy now
Buy now
Save +£350
compared to a UK solicitor
Save +£900
compared to a UK solicitor
Save +£3,500
compared to a UK solicitor

*for Probate in England and Wales only. Use our partner service for Probate in Scotland.

Consistently rated a 5 Star Service

Helpful, patient and supportive
at a difficult time

A much needed service
saving time consuming administration

Thorough and professional
throughout the whole process

How does Settld compare to other services?

Settld uses technology, with the support of friendly professionals on-hand, to save you time, money and stress. Our service empowers you to stay in control of the process, without the fear of making mistakes. We also remove the headache of contacting and chasing over 1,300 companies for date of death balances, for free.


Traditional solicitor services

The majority of solicitors still operate in a paper-based fashion. This means that you are paying a premium for a slower service.

Other online services

These services do most of the work for you, like a solicitor would, but don’t help with other parts of the process (i.e. contacting companies for date of death balances). You’ll still pay more than is needed, and delays are likely.

Prefer to speak with someone first? 

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Common questions and answers

What is a Grant of Probate/Letters of Administration?2024-01-23T13:17:59+00:00

A Grant of Probate confirms the authority of an executor to administer and distribute the estate of someone who has died. If there was no will, in England and Wales you’ll apply for Letters of Administration instead. 

In Scotland, you’ll be applying for Confirmation, with or without a will. Without a will there’s a separate court process required to be appointed as the executor first.

I don’t know if I need probate. Can I still use your service?2024-01-23T13:20:48+00:00

Yes. Our Probate Support package is designed to guide you through the early parts of the process so you can find out if you need probate or not.

When is probate not required?2024-01-23T13:24:09+00:00

You will probably not have to apply for probate if any one of these conditions apply to the estate:

  • Joint assets only: If the estate is being passed in full to a spouse, civil partner, or charity
  • Less than £5,000: The value of everything that the deceased owned in their own name is worth less than £5,000: or
  • There were only savings and no other assets such as property, vehicles etc.

Provided that you are either named as an executor, or you have permission from the other next of kin, you can distribute the assets according to the wishes of the deceased.

Sometimes financial services firms will insist that you  apply for probate before allowing you to access funds. This will depend on the value of the account and ranges from £5,000 – £50,000 by provider. 

Settld can check with individual providers on your behalf as part of our Probate Support service.

Is contacting companies a necessary step in applying for a Grant of Probate?2024-01-23T13:27:40+00:00

Yes. The first step in applying for a Grant of Probate (or Letters of Administration) is to contact all relevant organisations about the death, and get the values of all the accounts/assets and debts.

You can do this yourself, which means contacting all companies individually (often by phone), filling in multiple forms and sending off documents. Our notification service would cut out this work for you, saving an average of 20 hours of work.

Why do I need to value the estate, and can I do it myself?2024-01-23T13:47:04+00:00

As part of being an executor, you are required to work out and report the value of the estate, including estimating the value at date of death of any savings and investments, property, debts and other liabilities.

The main reason for doing this is to find out if the estate owes any Inheritance Tax. You’ll also need the figures if you need to apply for probate.

Not sure if you need probate? Use our free tool to find out

How much would a probate solicitor charge for probate?2024-01-23T13:32:43+00:00

Typical solicitors charge using hourly rates of between £250 and £300 per hour (plus VAT!), working out on average between 2% and 5% of the gross estate value. Usually you won’t get the bill until after the process.

Are there any other costs I should be aware of for probate?2024-01-23T13:36:00+00:00

In England and Wales, there’s a Probate Registry fee of £273 and copies of the Grant of Probate cost £1.50 each.

You may also choose to place a ‘Deceased Estate Notice’ in The Gazette to avoid being personally liable for any estate creditors that come forward at a later date. The cost of advertising starts from about £80.

In Scotland, the court fee is tiered:

  • Free for estates worth less than £50,000
  • £276 for estates worth £50,000-£250,000
  • £554 for estates over £250,000


There is also a £20 fee to appoint an executor and a special type of insurance policy to buy  if there is no will. For more help with Scottish Probate, visit our partner site.


What documentation will I need for probate?2024-01-23T13:38:40+00:00
  • Death certificate (if this is not available, the Interim Coroner’s Certificate)
  • A Will, if one exists. 
  • Proof of your identity: your passport, driving license or residency card
  • Proof of your address. A recent utility bill is preferred, but a council tax bill is also acceptable. If you don’t have either of these, a credit card, bank or building society statement issued in the last 3 months will also be accepted.
What other details might I need for probate?2024-01-23T13:40:31+00:00
  • Executors’ up-to-date names and addresses
  • Deceased’s National Insurance number
  • Account/reference numbers 
  • Details of a deceased spouse and marriage info
  • More in depth personal and financial info if you need to pay inheritance tax
Can I use Settld on behalf of someone else, to help them?2024-01-23T13:41:27+00:00

Yes, as long as you are acting with their permission. The ‘correct’ person will need to sign things and present their ID.

Is Settld a legal service?2024-01-23T13:43:16+00:00

Settld is not a legal firm but we have in-house probate experts. We are formally supported by the Law Society, and part of the Barclays Bank Legal Tech program.

Is this service secure?2024-01-23T13:47:42+00:00

Yes. Settld is compliant with all data laws and requirements. We use industry best practices to ensure data security in storage and transmission. We run our service on cloud based products that have the highest privacy and security protection. Onfido, the identity verification provider that we work with, is used to verify that your documents are authentic and have not been stolen or tampered with.

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