Probate Checklist

Probate can feel complex, especially when you're grieving. This step-by-step guide simplifies the process—from deciding if probate is needed to what happens after it's granted.

What is probate?

Probate is the legal permission to handle someone’s money, property, and possessions after they’ve died. If there’s a will, the person named as executor applies for this. If there isn’t, a close relative can step in instead.

It can feel like a big word—but really, it’s about helping the right person do the right thing, with the right documents.

Do you always need probate?

Not always. Some estates are small or simple enough to manage without it. But you’ll likely need probate if:

• The person owned property in their sole name
• Banks require probate to release funds
• The estate is worth more than ~£5,000–£10,000

Joint accounts or assets that pass directly to a surviving partner may not need probate at all.

Before you apply

These early steps help lay the groundwork. You don’t need to rush. Take each one at your own pace.

• 1. Find the original will (if there is one)
• 2. Register the death and get copies of the certificate
• 3. Make a list of the person's assets and debts
• 4. Work out if inheritance tax (IHT) needs to be paid
• 5. Submit the IHT forms to HMRC (or pay IHT if required)

These steps can feel technical—Farra is here to help with checklists and reminders.

How to apply

You can apply online at GOV.UK or by post. There are different forms depending on whether there’s a will.

• Use form PA1P if there’s a will
• Use form PA1A if there’s no will

You’ll need to send:

• The death certificate
• The original will (and any codicils)
• The correct application form
• HMRC forms for inheritance tax
• Payment (£273 fee, waived if estate is below £5,000)

After probate is granted

Once you’ve received the grant of probate (or letters of administration), you can:

• 1. Send copies to banks, insurers, and organisations
• 2. Close accounts and settle any outstanding debts
• 3. Sell or transfer property
• 4. Distribute what remains to beneficiaries

Keep simple records of everything—this helps if questions come up later, and shows that everything was handled carefully.

Probate takes time. There’s no rush to finish it all at once. Take breaks when you need to. Farra can help you keep track.