Discover everything you need to know about applying for probate.
When someone dies, it falls to loved ones to deal with their property, money and possessions – known as their estate. The legal process of managing the estate is known as probate. This includes collecting assets, paying off debts and distributing the remaining items to beneficiaries.
Here, we explore what you need to do before applying for probate and the official documents you’ll need to complete the application.
Probate is the legal process of getting permission to manage a deceased person’s estate.
When someone dies, their money, property and assets are handled by an executor named in the Will. To access these assets, banks and other institutions usually need to see proof of probate.
If there’s no executor named, no valid Will, or the executor can’t or won’t do the job, someone else, usually a family member, takes over. This person is called the administrator.
Handling someone’s estate takes a lot of time and effort. There are many tax, administrative and property issues to deal with, and if you make any mistakes, you can be held responsible for them. So, it’s a good idea to get help from someone experienced in probate.
There are two types of probate services available, depending on what you need:
A full estate administration service helps take the pressure off by dealing with every aspect of probate, including:
The estate administration provider advises you of your obligations and what you can do to minimise your responsibilities while still carrying them out properly.
A grant-only probate service means you provide the service provider with all the necessary details, such as:
The service provider then prepares the legal documents for you, including HMRC forms and the executor’s/administrator’s legal statement. Once these have been completed, the grant is given to you, and you deal with the administrative work.
With the grant, you can:
You are responsible for ensuring all figures are correct and that everything is handled properly, including finalising taxes, paying debts and distributing money correctly.
A grant of representation refers to the grant of probate and letters of administration. These documents give you the legal right to manage the deceased’s estate as their ‘personal representative’ and follow the Will or intestacy rules.
You don’t usually need a grant of representation if the estate goes to the surviving spouse or civil partner and was held in joint names (like a savings account or property) or if the estate doesn’t include land, property, or large sums of cash and shares.
Note: You might not need to apply for letters of administration if the deceased only left cash and personal belongings.
Before applying for a grant of probate, there are several administrative tasks you need to complete, including:
One of the first things you need to do is register the death at a register office. This must be done within five days (or eight days if you’re in Scotland). After registering, you’ll receive all the documents needed to arrange the funeral, including the death certificate.
To establish your authority, you will need to get hold of the original Will. This can then be used to prove your authority as an executor, and the Will can be sent to the Probate Registry as part of an application for probate.
You will need to review the deceased person’s financial documents and list all their assets and debts. This includes money in bank accounts, insurance policies, pensions, investments and possessions.
Send a certified copy of the death certificate to each institution and ask for a final statement.
Inheritance tax is an important part of handling someone’s estate after they pass away. If the estate is worth more than £325,000, you may need to pay inheritance tax and fill out form IHT400.
You also need to report any gifts the deceased gave in the last seven years, as these can impact the estate’s value for inheritance tax.
Once you know the size and details of the estate, the next step is to fill out and send probate forms to the Probate Registry. You can download these from the UK Government website – the main form you need is the PA1 Probate Application Form.
You’ll also need to pay £300 to apply for probate if the estate’s value is over £5,000. If it’s below, it’s free of charge.
Whether you have questions about probate or just want to find out more, the expert team are on hand to help.
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As a personal representative, you can start managing the estate by sending a copy of the grant to any company holding the deceased’s assets, like a bank, and arranging for the money to be transferred to your account.
It’s best to open an executor account at a bank. This account will collect all the deceased’s savings, as well as money from selling any property or belongings not mentioned in the Will.
Use this money to pay off any debts, funeral costs, and your reasonable expenses as the personal representative.
After paying debts and taxes, the remaining money is the true value of the estate. You can then distribute this, along with any specific property or belongings, according to the Will. If there is no Will, distribute the estate according to the law of intestacy.
Many people will die with joint accounts or shared property that need to be identified by the personal representative.
For joint accounts, the assets automatically go to the other person on the account. The same applies to properties owned under a joint tenancy (called joint ownership in Scotland).
Suppose the property was owned as tenants in common (common ownership in Scotland and coparceners in Northern Ireland). In that case, the deceased’s share is passed on according to their Will or the law of intestacy.
Probate usually takes 6 to 12 months. The process can be long, especially if the estate is large or complex. However, it’s much easier if there’s a Will.
Without a Will, handling someone’s affairs can become more complicated, time-consuming and expensive.
Saga is a registered trading name of Saga Personal Finance Limited, which is registered in England and Wales (company number 3023493). Registered office 3 Pancras Square, London, N1C 4AG. Saga is not authorised or regulated by the Solicitors Regulation Authority (SRA). All legal services are provided by Co-op Legal Services. Co-op Legal Services is a trading name of Co-operative Legal Services Limited which is authorised and regulated by the SRA, under registration number 567391.
Talk to an expert about your current needs and future wishes. Find out what legal plans you might want to make.
Learn how a person’s estate is shared out if they die without leaving a will.
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