Other Services

ILA Certificate – Joint Mortgage Sole Proprietor

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

We provide remote service – you do not need to come to the office. We may even be able to deal with this by Skype or FaceTime

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 to the those taking on the responsibility for the mortgage.
  • The money is lent to a company and you are guaranteeing the loan if your are on the mortgage but not on the title deeds
  • You are guarantor for someone else but not an owner
  • You are parents lending to you child/children or guaranteeing the loan and will need to be a party to the mortgage but not become owners

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 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?

Joint Mortgage Sole Proprietor Independent Legal Advice certification Fee

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

No Hidden Fees Guarantee. There are no sneaky charges this is a fixed fee service.
We also provide a service where we can come to your home or business within business hours

Expert Advice, Crystal Clear

“Expert advice, crystal clear, incredibly responsive, really helpful – we waited several weeks for another law firm to help us and Garner and Hancock managed to do in 48 hours what they hadn’t been able to do in a month! Thanks so much to Vinay, Nancy and the team.”

Andrew Chapman, May 2021
I would recommend them to anyone

“I found them through a Google search, as I needed some very urgent legal advice on a new type of mortgage. Nancy was incredibly helpful in helping me with what I needed. As soon as the paperwork was released to them, I was booked in for an appointment that evening after work.”

Kady Edwards, May 2021

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.

Our offices will be closed for the holiday season starting on Friday, December 20, 2024. We will resume normal business operations on Thursday, January 2, 2025. Our team will be unavailable to assist with inquiries or processes during this time.