Independent Legal Advice (ILA): Fast, Expert Support from Garner & Hancock Solicitors
When lenders require an Independent Legal Advice (ILA) certificate, timing becomes everything. Many clients only discover this requirement at the final stage of their mortgage or property transaction, often when deadlines are tight and delays could jeopardise the deal. At Garner & Hancock, we specialise in providing fast, clear and reliable ILA so you can complete your transaction without stress or disruption.
Whether you’re acting as a guarantor, borrowing through a company, supporting your children with a mortgage, or dealing with a lender such as Kent Reliance Building Society, our team is here to guide you through the process with efficiency and reassurance.
Why Lenders Require Independent Legal Advice
Many lenders insist on an ILA certificate when the person taking on the mortgage risk is not the same as the legal owner, or when additional parties are involved. You may need ILA if:
- You are acting as a guarantor
- The mortgage is being taken out by a company
- You are parents lending to children
- The legal owner differs from the borrower
- You are entering into a specialist mortgage product
Your conveyancing solicitor cannot provide this advice, as lenders require an independent solicitor with no involvement in the main transaction. That’s where we step in — quickly, professionally and with minimal fuss.
A Fast, Fixed‑Fee Service, No Office Visit Required
We understand that ILA is often the final piece of a long and complex process. Our service is designed to be as smooth and convenient as possible:
- Next‑day appointments available
- Remote meetings – no need to travel
- Fixed fee
- No hidden charges
- Recorded delivery included
Clients consistently praise our speed, clarity and responsiveness, often after waiting weeks for other firms to act .
How the ILA Process Works
- Send us your lender’s documents
- We review everything and arrange your appointment
- You provide ID (passport/driving licence + proof of address)
- We advise you on the risks and obligations
- You sign the Certificate of Understanding
- You return it to us by recorded delivery
- We sign, certify and send it directly to your solicitor
Most clients complete the process within 24 hours, allowing their mortgage or property transaction to proceed without delay.
Why Choose Garner & Hancock for ILA?
- Specialist property solicitors with extensive experience
- Clear, practical advice – no jargon, no confusion
- Fast turnaround when time is critical
- Remote service available nationwide
- Trusted by major lenders, including Kent Reliance Building Society
- Excellent client reviews for responsiveness and clarity
We provide an efficient service with the minimum of fuss, exactly what clients need at the final stage of a mortgage transaction.
Book Your Independent Legal Advice Today
If your lender has asked for an ILA certificate, don’t let it delay your transaction. Garner & Hancock offers a fast, fixed‑fee service with next‑day appointments and clear, expert guidance.
Call us on +44 20 8232 9560 to arrange your appointment or request your free initial consultation.
