Tower Street Finance










Tower Street Finance (TSF) was set up by an experienced management team who saw a need for relevant, accessible financial products which benefit administrators of estates, executors and beneficiaries.

We are passionate about using insight, data and our considerable experience to help customers with innovative products and services, including those who may be in financial difficulty.

We currently have four products which are aimed at the inheritance market and they all have a common DNA. There are:

  • No credit checks
  • No risk or personal liability
  • No charge over property
  • No monthly repayments
  • No requirement for a Will

IHT Loan

The IHT Loan can help when estates are effectively ‘locked’ because the executor needs to pay the IHT to get the Grant, but needs the Grant to realise the assets to pay the IHT.

It’s taken out by the executor/personal representative and can solve the problem. The money is used to pay HMRC and it’s a way of meeting the IHT liability to unlock the estate with no risk or need to take out a personal loan/bridging loan.

Inheritance Advance (winner of Innovation of the Year, British Wills and Probate Awards 2020)

An Inheritance Advance allows beneficiaries to access a proportion of their inheritance sooner, with the Advance repaid out of the proceeds of their inheritance. This solves the problem of beneficiaries asking when they’ll be able to get their money and you having to explain that the process is complicated and lengthy.

Again, there’s no risk – if another Will emerges or assets take longer to sell or sell for less than anticipated, or another debt is discovered, we take the risk.

Inheritance Dispute Funding (IDF)

Inheritance Dispute Funding helps people who want to dispute a will but don’t have the money to fund the legal bills. We know that one in four people would dispute an inheritance if they felt it was unfairly distributed.

Contesting a will can cost up to £5k in upfront costs and there’s no guarantee your case will be taken on – with IDF the solicitor gives their opinion on the case and win or lose – we take the risk.

We pay the costs and then they’re repaid from the estate proceeds.

Estate Expense Funding (EEF)

Estate Expense Funding is for executors who face costs while they’re dealing with their responsibilities of administering an estate. These can be unexpected but we can help cover the costs until the inheritance is released

Executors could be liable for expenses such as funeral costs, professional fees, house and garden maintenance and more.

We pay the costs and then they’re repaid from the estate proceeds

Key Services

Key Contact

Richard (Dicky) Davies, Business Development Director
Tel: 07702 559051
Email: [email protected]
LinkedIn Acc: Dicky Davies
Facebook: Tower Street Finance
Instagram: Tower Street Finance


46 Tower Street
North Yorkshire

Partner News

Five-star ratings for Tower Street Finance

Tower Street Finance has received a five-star Defaqto rating for two of its consumer-facing products. Inheritance Advance and IHT Loan have been given the rating in the short-term probate loan category. Defaqto is an independent financial information business which helps consumers make better informed decisions. Three in four people are aware of Defaqto and the […]Read More

Partner News Wills & Probate

Tower Street Finance reacts to partner feedback 

At Tower Street Finance, we pride ourselves on finding solutions to the financial challenges of probate. That is why we listen to our customers and partners and take on board their feedback. Our Inheritance Tax Loan and Estate Expense Funding products are available where the executor/administrator (personal representative) is an individual. However, we have recently […]Read More


Tower Street Finance bolsters its team

 We’re pleased to announce the addition of two new team members to Tower Street Finance. This week we’ve welcomed Anya Carter our new customer support manager and Nick Lacey who will cover the London and the northern Home Counties, joining our team of business development managers. Anya comes with a wealth of experience in customer […]Read More


Tower Street Finance and Executor Solutions make estate administration simpler

Tower Street Finance has partnered with Executor Solutions to offer its clients a simple, risk-free way to fund the administration of estates. Following the launch of its Estate Expense Funding, Tower Street Finance was able to adapt the product to be specific to the needs of Executor Solution’s clients. Executor Solutions help estate administrators prepare […]Read More

Wills & Probate

IHT – to be or not to be

Following Boris Johnson’s announcement about a £12bn a year tax hike to cover Health and Social Care, experts’ attention has moved onto wealth taxes and they have been giving their opinions on what ‘could’ and ‘should’ happen. This has put Inheritance Tax firmly in the spotlight with conflicting views on what the Chancellor’s next steps […]Read More