Specialist Solicitor Certifications to Support Your Mortgage and Equity Release Transactions
Clients navigating mortgage completions, equity release arrangements, or lender‑specific requirements often face tight deadlines and last‑minute requests. Garner & Hancock provides a dedicated suite of solicitor certification services designed to remove stress, prevent delays, and ensure lenders receive the confirmations they need.
Our team offers two focused services that are increasingly required by lenders: the UTB Certificate of Identity and the LV Equity Release Solicitor Certificate. Each service is delivered with clarity, efficiency, and the personal attention needed to keep your transaction on track.
UTB Certificate of Identity
Fast, remote verification for urgent lender requirements
United Trust Bank (UTB) often requires a solicitor to verify your identity and confirm that you executed your deed correctly. This step typically arises late in the process, and clients need it handled quickly to avoid delays.
Our service includes:
- Reviewing the deed and any supporting mortgage papers
- Identity checks, proof‑of‑address checks, and OFSI sanctions checks
- A Zoom meeting to verify your original documents and confirm how and when the deed was signed
- Confirmation of electronic execution where relevant
- Issuing the Certificate of Identity once all checks are complete
In many cases, we can finalise the certificate within 24 hours of receiving your papers and completing the meeting. This rapid turnaround helps your matter progress without unnecessary disruption.
Fixed fee: £600 + VAT Format: Fully remote — no office visit required.
LV Equity Release Solicitor Certificate
In‑person advice and certification for lifetime mortgage products
LV requires a solicitor to meet you face‑to‑face, provide tailored legal advice, and confirm that you understand the implications of your equity release arrangement. This cannot be completed by phone or video alone.
Our service includes:
- Reading the full LV pack, including the mortgage offer and terms
- Tailored legal advice based on your personal circumstances
- A required in‑person meeting (home visits available for an additional charge)
- A full written letter of advice
- Completion and signing of the LV solicitor certificate
We explain key issues such as the impact on your estate, care funding, benefits, repayment triggers, and long‑term obligations under the scheme.
Fixed fee: £1200 + VAT Format: In‑person meeting required; home visits available depending on location.
Supporting Your Transaction with Clarity and Care
Both services are designed to give lenders the assurance they need while giving you confidence that your documents have been reviewed properly and your legal position fully explained. Whether your matter is urgent, complex, or simply unfamiliar, our team ensures the process is smooth, transparent, and handled with the professionalism you expect.
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