Other Services

Independent Legal Advice for a Guarantee

Garner & Hancock are specialist property lawyers with vast experience in advising clients on property transactions. We offer a speedy, professional service to get your transaction finalised with a Certificate of Independent Legal Advice to guarantee loans. We can arrange a face-to-face meeting at very short notice.

Why do I need Independent Legal advice to guarantee a Mortgages?

Mortgage companies will require an Independent Legal advice certificates to be signed by a solicitor in the following circumstances:

  • The legal owner is different from those taking on the responsibility for the mortgage.
  • The money is lent to a company and you are guaranteeing the loan
  • You are the guarantor for someone else
  • You are parents lending to your child/children or guaranteeing the loan

Such a step is  usually time sensitive and could jeopardise the transaction if not completed in a timely fashion. This is often the final piece of the jigsaw in a long and laborious process.  Your own conveyancing solicitor will be unable to offer this service as the mortgage company requires another independent solicitor to advise on the transaction.  This is where we come in.

We are there for when you might need another solicitor standing by to deal with the final part of the transaction. We have a fixed fee advisory service.

Request for a Legal Consultation

Garner & Hancock realise that the prospect of pursuing a legal matter can be challenging, so we offer an initial phone consultation to discuss your options, and to give you information that will help you make the right choices affecting your case.

Call Us Now: 020 8232 9560

What are the steps?

The first step is to send us the pack received by the mortgage company to us by email at vtanna@garner-hancock.co.uk.

We will then arrange for you to come in and go through the documents and satisfy ourselves that you understand the transaction and that there has been no pressure placed upon you to sign the forms.

When you come in you will need to produce ID and once the advice is given the certificate is sent to Precise or to your nominated solicitors. We shall write to you with confirmation of advice and a copy of the certificate.

We provide efficient service with the minimum of fuss.

How long does it take?

Once you receive the forms we can usually see that day or the next business day.  The mortgage company ILA certificate will be sent out usually the same day.

What is the cost?

 Precise Mortgages Independent Legal Advice certification.

This includes a meeting, reviewing the documents seeking any clarification from the conducting solicitors and finally certifying the documents with a letter of comprehensive advice

£300+ VAT

For any additional person, we need to advise (in joint lending/guarantors)

£100 + VAT

Our Guarantee

We believe our business begins and ends with you and your needs, as our client. Therefore, we are committed to providing the best client care and advice which will give you confidence that your matter is handled with the utmost care.

How Can We Help?

Happy to help! Feel free to contact us at any time for a consultation on your legal matters.