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You've just taken the first step — contacting a funeral director.
See the full checklistLeave your number and Stephen McCosh Funeral Director will call you back.
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Ready to speak to someone? A free, no-obligation call can help you understand the next steps.
If anything has changed, a quick call with a specialist can confirm.
A quick call with a specialist can help you figure out what applies.
Question of 3
Did the person who died own a property?
Including any property in their name, even if jointly owned.
Were there savings, investments, or other assets?
Bank accounts, shares, pensions, or valuables above a few thousand pounds.
Was there a will?
Even if you're not sure where it is, knowing one exists can change the process.
This can feel overwhelming, but you don't have to figure it out alone. A probate specialist can walk you through the next steps — no obligation, no pressure.
That's one less thing to worry about. If anything changes or you'd like a quick confirmation, a specialist can put your mind at rest.
Many families don't have all the information straight away — that's completely normal. A quick chat with a specialist can help you understand what applies to your situation.
What the probate process looks like
Apply for Grant of Probate
Collect assets & close accounts
Pay debts & tax
Distribute the estate
A specialist handles all of this for you.
Trusted by thousands of families across the UK
You probably don't need to pay for the funeral yourself
The estate will likely go through probate, which means the funeral costs can be paid from the estate. You need a probate specialist to make this happen.
Sail Probate · Fixed fees, nothing upfront
Probate might not be needed
That means the funeral costs probably can't be covered this way. But every situation is different — a quick chat can confirm.
We need a bit more info
Don't worry — lots of people aren't sure at this stage. A quick chat can work out whether the funeral costs can be covered.
Want to talk it through?
Free, no obligation.
Want to check with a specialist?
Free, no obligation.
Want to find out for sure?
Free, no obligation.
Sail Probate · Trusted by thousands of families
A specialist will call you soon
Free, no-obligation advice from Sail Probate
What happens next
Request received
Just now
A specialist reviews your details
Within 1 hour
You'll receive a call
Within 24 hours
Lines open now Lines open Mon-Fri 9am-5pm · 0808 196 0258
Result saved
If you need help later, call Sail Probate free:
Lines open now Lines open Mon-Fri 9am-5pm · 0808 196 0258
We'll give you a call
A Sail Probate specialist will talk you through everything and answer any questions.
Interested in: We handle everything (£6,000)
Interested in: Just the probate application (£1,000)
Lines open now Lines open Mon-Fri 9am-5pm · 0808 196 0258
No problem
If you'd like to talk about probate or funeral costs, call Sail Probate free:
Lines open now Lines open Mon-Fri 9am-5pm · 0808 196 0258
Stephen McCosh Funeral Director, based at 117–121 Shankill Road in Belfast, is a locally owned and community-focused funeral home dedicated to providing compassionate, professional services to families during their most difficult times. The branch is led by Stephen McCosh, who holds the distinction of being the Greater Shankill's only fully qualified Funeral Director, holding both the National Association of Funeral Directors Diploma in Funeral Directing and the British Institute of Funeral Directors Diploma in Funeral Services — the highest qualification in the industry. Stephen also serves as Chairman for the British Institute of Funeral Directors (Northern Ireland) and Vice Chairman for the National Association of Funeral Directors (N.I.), and holds a licence to practise as a professionally qualified Funeral Director.
The Shankill Road branch prides itself on realistic pricing and a genuine commitment to easing the financial burden that funeral costs can place on grieving families. From modest, budget-conscious funerals to larger processions, the team delivers the same high standard of care and dignity to every family they serve. Their fleet of Mercedes vehicles and award-winning service — including recognition as N.I. Funeral Director of the Year — reflect their investment in quality. Pre-paid funeral planning services are also available, offering families peace of mind for the future.
"Gina had every detail dealt with and was always on the other end of the phone with anything we needed — from collection of the body to organising the flowers and service sheets through to the funeral itself. We couldn't ask for any better. Everything was perfect."
— Scott White (about Gina)
"Simple things such as when we were getting picked up in the limo, the first thing the driver did was check everyone was OK and offer a bottle of water. It makes you as the client feel truly looked after. I felt they really looked after my father and helped give him a really great send off."
— Graeme Millar
"At a family's most tragic time in their lives, they go above and beyond to take the stress away. Their professional and personal approach towards their clients is of the highest standard — I cannot thank them enough."
— Agnes Mcconnell
"I've never had to deal with a funeral before, and when my Daddy passed away last week they made everything so easy for me. Wee Daddy looked perfect — I just sat staring at him for hours every day. I felt at ease throughout. Thank you all so much for giving him the send off we talked about — it was perfect."
— Debbie Wilkinson (about Gina)
"Words cannot thank Stephen McCosh funeral directors, and in particular Kerry enough for everything they have done for us. We could not have asked for a more understanding, thoughtful and helping individual to deal with ourselves. A true credit to your company."
— Bryan Gilmore (about Kerry)
"After the sudden death of our father, Stephen McCosh and his team were our rock — nothing was too much for them. I can honestly say that without Stephen and his team we would never have gotten through the burial of our father. From Stephen to Gina and all the pallbearers, they are the most caring, compassionate and professional people to help you through this hard time."
— Agnes Mcconnell (about Gina)
Stephen McCosh
Funeral Director
"After the sudden death of our father Stephen McCosh and his team were our rock, nothing was too much for them. I can ho…"
Stephen McCosh
Funeral Director
"After the sudden death of our father Stephen McCosh and his team were our rock, nothing was too much for them. I can ho…"
Stephen McCosh
Funeral Director
Stephen holds the NAFD Foundation Certificate and Diploma in Funeral Directing, as well as the BIFD Diploma in Funeral …
Stephen McCosh
Funeral Director
Stephen holds the National Association of Funeral Directors Diploma in Funeral Directing and the British Institute of F…
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Ready to speak to someone? A free, no-obligation call can help you understand the next steps.
If anything has changed, a quick call with a specialist can confirm.
A quick call with a specialist can help you figure out what applies.
Question of 3
Did the person who died own a property?
Including any property in their name, even if jointly owned.
Were there savings, investments, or other assets?
Bank accounts, shares, pensions, or valuables above a few thousand pounds.
Was there a will?
Even if you're not sure where it is, knowing one exists can change the process.
This can feel overwhelming, but you don't have to figure it out alone. A probate specialist can walk you through the next steps — no obligation, no pressure.
That's one less thing to worry about. If anything changes or you'd like a quick confirmation, a specialist can put your mind at rest.
Many families don't have all the information straight away — that's completely normal. A quick chat with a specialist can help you understand what applies to your situation.
What the probate process looks like
Apply for Grant of Probate
Collect assets & close accounts
Pay debts & tax
Distribute the estate
A specialist handles all of this for you.
Trusted by thousands of families across the UK
You probably don't need to pay for the funeral yourself
The estate will likely go through probate, which means the funeral costs can be paid from the estate. You need a probate specialist to make this happen.
Sail Probate · Fixed fees, nothing upfront
Probate might not be needed
That means the funeral costs probably can't be covered this way. But every situation is different — a quick chat can confirm.
We need a bit more info
Don't worry — lots of people aren't sure at this stage. A quick chat can work out whether the funeral costs can be covered.
Want to talk it through?
Free, no obligation.
Want to check with a specialist?
Free, no obligation.
Want to find out for sure?
Free, no obligation.
Sail Probate · Trusted by thousands of families
A specialist will call you soon
Free, no-obligation advice from Sail Probate
What happens next
Request received
Just now
A specialist reviews your details
Within 1 hour
You'll receive a call
Within 24 hours
Lines open now Lines open Mon-Fri 9am-5pm · 0808 196 0258
Result saved
If you need help later, call Sail Probate free:
Lines open now Lines open Mon-Fri 9am-5pm · 0808 196 0258
We'll give you a call
A Sail Probate specialist will talk you through everything and answer any questions.
Interested in: We handle everything (£6,000)
Interested in: Just the probate application (£1,000)
Lines open now Lines open Mon-Fri 9am-5pm · 0808 196 0258
No problem
If you'd like to talk about probate or funeral costs, call Sail Probate free:
Lines open now Lines open Mon-Fri 9am-5pm · 0808 196 0258
Get in touch
Call 02890311041We'll call you back
Stephen McCosh Funeral Director will be in touch shortly.
You've just taken the first step — contacting a funeral director.
See the full checklistLeave your number and Stephen McCosh Funeral Director will call you back.
Free, no obligation. We'll pass your number to the director.
You've completed of 18 steps on the bereavement checklist.
Continue your checklist18 things to sort when someone dies — keep track so nothing gets missed.
See the full checklist
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From cremation to burial, discover what UK funerals really cost in 2026 — including a full breakdown of funeral director fees, disbursements, and regional price differences to help you plan with confidence.
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