What Is Probate?
Do You Always Need It?

WILLS AND ESTATES

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What is probate in Australia – and does every estate actually need it? These are two of the most common questions families face after losing a loved one.

Probate is the legal process by which a deceased person’s will is validated by the Supreme Court and the executor receives formal authority to administer the estate.

But it is not always required, and understanding when you need it – and when you don’t – can save your family significant time, money, and stress.

This guide explains what probate is, how it works in Queensland and New South Wales, when you need it, and what to expect if you are the executor of an estate.

What Is Probate?

Probate is a court order issued by the Supreme Court of the relevant state. It does two things: it confirms the will is valid and represents their last will, and it gives the executor named in that will the formal legal authority to deal with the estate’s assets.

Think of a Grant of Probate as an official licence. Banks, share registries, land registries, and other institutions that hold the deceased’s assets will not release those assets to anyone – including the named executor – without it. Probate protects those institutions from liability and stops the wrong person from administering the estate

If the deceased died without a will (intestate), there is no executor and no will to validate. Instead, a family member must apply to the Supreme Court for Letters of Administration – a parallel process that achieves the same outcome but under the intestacy rules. Our earlier post on what happens if someone dies without a will covers that process in detail.

Do You Always Need Probate in Australia?

No – and this surprises many people. Whether you need probate depends on the nature and value of the deceased’s assets, how those assets were held, and the requirements of the specific institutions involved.

When Probate Is Generally Not Required

You typically do not need probate in the following situations:

  • All assets held jointly: Property or accounts held as joint tenants pass automatically to the surviving owner by the right of survivorship – no probate required. This is one of the key practical differences between joint tenancy and tenancy in common.
  • Small estates: Most banks will release funds without probate if the total balance is below approximately $40,000–$50,000, though this threshold varies between institutions. Some banks set the limit lower.
  • Superannuation with a valid binding nomination: Superannuation does not automatically form part of a deceased estate. If the deceased held a valid Binding Death Benefit Nomination directing payment to a spouse or dependant, the fund pays directly to that person without probate.
  • No assets held solely in the deceased’s name: If every asset was jointly held or subject to a valid nomination, there may be nothing in the estate requiring probate.

When Probate Is Generally Required

You typically need probate when the deceased held any of the following solely in their own name:

  • Real property (land): To transfer any real estate from a deceased estate in Queensland or New South Wales, the executor needs a Grant of Probate or Letters of Administration. There are no exceptions for small properties.
  • Bank accounts above the institution’s threshold: Most major banks require probate for accounts exceeding $40,000–$50,000. Contact each bank directly to confirm their current threshold.
  • Shares and investments:Most share registries require probate for shareholdings above approximately $15,000, though each registry sets its own threshold.
  • Superannuation paid to the estate: If the super fund pays the death benefit to the estate rather than directly to a dependant, probate is typically required before the funds release.
  • Any institution that requires it: Ultimately, each institution sets its own policy. As a first step, contact every bank, registry, and fund to confirm the value of each asset and their specific requirements.

Never assume probate is not required without first contacting each institution holding assets. Policies vary and change without notice.

How to Apply for Probate: The Process in QLD and NSW

The probate process differs between Queensland and New South Wales in several respects – including the forms used, the court fees, and the online systems involved.

Applying for Probate in Queensland

In Queensland, probate applications go to the Supreme Court of Queensland. The general steps are:

  1. Locate and review the original will and obtain the death certificate
  2. Publish a Notice of Intention to Apply (Form 103) and wait a minimum of 14 clear days
  3. Prepare the probate application, including an inventory of all estate assets and liabilities
  4. File the application with the Supreme Court of Queensland
  5. Await processing – typically 4 to 8 weeks from filing, depending on workload and accuracy of the application
 

Queensland is unique among Australian states in that it does not mandate probate for every estate – some estates can be administered without a grant where assets are small or all jointly held. However, this is the exception rather than the rule, and legal advice is essential before proceeding without probate.

Applying for Probate in New South Wales

In NSW, most uncontested probate applications lodge online through the NSW Supreme Court Online Registry. The steps are broadly similar to Queensland:

  1. Obtain the death certificate and locate the original will
  2. Publish a probate notice on the NSW Online Registry — this triggers a mandatory 14-day waiting period
  3. Complete and lodge the online application, including the Affidavit of Executor (Form 118), which is generated by the system, printed, signed, and re-uploaded
  4. Pay the applicable court filing fee
  5. Await processing — typically 4 to 8 weeks, though delays can occur during peak periods
 

In NSW, executors should lodge their application within six months of the date of death. If you lodge later, the Affidavit of Executor must explain the delay, and the court may query it.

What If the Estate Has Assets in Both QLD and NSW?

This is a common situation for families in the Coolangatta–Tweed corridor, where it is not unusual to hold property in Queensland, bank accounts in New South Wales, and investments across both states. A Grant of Probate issued by one state’s Supreme Court only has legal force in that state.

To administer assets in the other state, the executor must apply to have the grant resealed in that jurisdiction. Resealing is simpler and less expensive than obtaining a fresh grant, but the executor must file a separate application with the other state’s court. At HQF Lawyers, our probate and estate administration team manages resealing applications across both Queensland and New South Wales as part of our estate administration service.

How Long Does Probate Take?

Once the application is filed with the court, the grant typically issues within 4 to 8 weeks in both Queensland and NSW – assuming the application is complete and accurate. Delays occur when:

  • The application contains errors or missing information and the court issues a requisition requesting corrections
  • Someone contests the validity of the will, which can result in the court lists the matter for hearing.
  • The estate is complex, with multiple jurisdictions, overseas assets, or disputed debts
  • The court is experiencing high volumes – processing times fluctuate and the courts publish current estimates on their websites
 

The grant of probate is just the beginning of estate administration. After the grant issues, the executor must collect assets, pay debts, prepare and lodge tax returns for the deceased and the estate, and then distribute the estate to beneficiaries. For straightforward estates, the full process typically takes six to twelve months from death to final distribution.

Disclaimer
The contents of this article are considered accurate as at the date of publication. The information contained in this article does not constitute legal advice. Readers should seek legal advice about their specific circumstances. 

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Frequently asked questions about Probate

In Queensland, there is no legal requirement for an executor to engage a solicitor to apply for probate. In NSW, the online system is designed to be used directly by executors. However, the process involves strict court requirements – any error in the application can result in a requisition, delay, or rejection. Executors who are unfamiliar with legal processes, dealing with complex estates, or administering assets across multiple states should strongly consider engaging a solicitor. Our estate administration team offers fixed-fee probate services for straightforward estates.

If an executor fails to apply within a reasonable time, beneficiaries can become frustrated, creditors can make claims against the estate, and in Queensland, the Public Trustee may step in if no application is made within three months. In NSW, unexplained delays beyond six months can complicate the application. If you are an executor and you are unsure how to proceed, seek legal advice promptly.

Yes. Once probate issues, the will becomes a public document – anyone can apply to the court to obtain a copy. If the testator had concerns about privacy (for example, about the specific gifts made, or the identity of beneficiaries), this is worth considering when drafting the will. A testamentary trust or other structure may offer some mitigation.

Yes. A person may challenge the validity of a will on grounds including lack of testamentary capacity, undue influence, fraud, or failure to comply with formal execution requirements. If someone lodges a challenge, the court stays the probate application until it resolves the dispute. Separately, eligible persons who believe they have not been adequately provided for under the will may bring a family provision application – which is different from contesting validity. If you face either situation, contact our estate litigation team for advice.

Need Help With Probate in QLD or NSW?

Acting as an executor is one of the most significant legal responsibilities a person can take on. Probate is often just the first step — and getting it right from the outset sets the foundation for the entire estate administration.