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Property · Independent advice

Solicitor's certificate of independent advice

Being asked to sign a guarantee or mortgage — often for a family member's or a business's loan — the lender usually requires a solicitor's certificate confirming you understood it. We provide these quickly, clearly and at a fixed fee.

Part of our Conveyancing practice.

How we help

What we help with

The process

How it works

Send us the documents

We review the guarantee or mortgage and the loan you're being asked to support.

We explain the real risk

We make sure you genuinely understand what you're signing and what could go wrong.

Certify it

If you're happy to proceed, we provide the certificate the lender requires.

Good to know

Common questions

What is a solicitor's certificate?

A certificate from an independent lawyer confirming you received independent legal advice before signing a guarantee or mortgage. Lenders require it so the document can't later be challenged.

Why do I need independent advice?

Because you may be putting your own assets on the line for someone else's loan. The advice makes sure you understand the risk — and protects the lender's paperwork.

How long does it take?

Usually quick — often a single appointment once we have the documents. We offer a fixed fee so you know the cost up front.

Should I be worried about being a guarantor?

You should understand it fully. A guarantee can make you personally liable for someone else's debt — that's exactly what the advice is for.

Related

Talk to a lawyer

Book a consultation or take the free claim check — we'll tell you where you stand and what to do next.

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Request a call back

Leave your name and number and what it's about — a lawyer will call you back. No cost, no obligation.