Independent Legal Advice for
Mortgages & Guarantors
Starts from £200 + VAT per Director. Get same-day independent legal advice for mortgage, personal guarantee, or occupier's consent. SRA-regulated UK solicitors. Lender-approved ILA certificate, delivered the same day.
- Instant video appointments available
- Convenient Communication on Zoom or Teams
- Lender-approved ILA certificate
Get Your Advice Today!
Speak to our Expert Independent Legal Advice Solicitor
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Our customers rate us EXCELLENT
Based on over 100 reviews
I appreciated the honest, upfront advice about my options, including the likely impact, time, and stress involved with each route. I felt fully supported and well informed throughout, and I do not think I would have got through the situation without the guidance I received. The advice helped me weigh up what was best for me at the time and make a decision I was comfortable with.
The only let-down was the accounts department. Their systems do not appear to be updated promptly, which resulted in unnecessary payment reminders being sent after my account had already been settled in full.
His knowledge and attention to detail really stood out, and he went above and beyond to ensure I felt comfortable and confident with the outcome, while also making sure the employer was satisfied with what was agreed.
I cannot recommend him highly enough.
He listened carefully to my concerns and provided fast and efficient service whilst maintaining a high duty of care towards my case.
Thanks again I would recommend this firm to anyone looking for employment advice.
Bal
I can't thank Kallum enough for his support, professionalism, and expertise during what was a very stressful and uncertain time. He guided me through the severance process with great care, clarity, and efficiency, helping me understand my rights and navigate the negotiations with confidence.
Kallum was always responsive, reassuring, and clear in his communication. He handled my case with a calm, supportive approach and achieved a significantly improved outcome that I was genuinely happy with.
Thank you Kallum!
Navreet Sandhu
What truly stood out was how swiftly and efficiently my case was handled, with absolutely no unnecessary escalations. Kallum’s thoughtful strategy and professional approach led to a favourable outcome, and I genuinely felt supported throughout the entire process.
I’m so glad I chose Kalra Legal and would highly recommend Kallum to anyone seeking reliable, compassionate, and expert legal support.
My solicitor (Kallum Kalsi) was friendly and patient, despite some delays!
I would highly recommend your services to anyone that needs HR/employment advice.
The case was a complex one but I felt like I had the right team supporting me and their honesty and approach was refreshing. I would definitely use them again and would recommend them to anyone without any hesitation.
Why Do You Need Independent Legal Advice for a Mortgage or Guarantee?
Many UK lenders require independent legal advice for guarantors, joint borrowers, and anyone signing security over a property before they'll release funds.
A personal guarantee makes you personally responsible for your company's debt. If the business defaults, the lender can pursue you directly; your home, savings, and personal assets are at risk. Limited liability does not apply.
UK lenders require Independent Legal Advice before releasing funds. A solicitor not acting for the lender must confirm you understand what you're signing and are doing so voluntarily. We review your documents, walk you through every clause on a video call, and issue a signed ILA certificate that satisfies all UK lender requirements.
⚠ Important: Most guarantees include “joint and several” liability meaning the lender can pursue any one guarantor for the full debt, not just your share. We’ll explain exactly how this affects you.
Our Fast & Simple 3-Step Process
Step 1
Send your guarantee documents. We’ll verify your ID and book your video appointment the same day.
Step 2
Our solicitor walks you through each clause. You (“wet”/ink) sign the originals live on a recorded video call.
Step 3
Post the originals to us. We certify, email you a scanned copy, and post originals to your solicitor.
Why Choose KLG
Award-winning employment law experts, recognised as “Highly Commended – Boutique Law Firm of the Year” at the 2023 Legal Business Awards and winners of the “Excellence in Customer Service” award.
At KLG, we specialise in Independent Legal Advice, helping directors and borrowers sign with confidence, clarity, and complete peace of mind. Our senior solicitors guide you through every clause so you know exactly what you’re signing.
Same-day Appointments
Fast and efficient service with no delays. Often under 24 hours, 5 days a week.
Fixed Fee
Starts from £200 + VAT per Director*
All Done Online
Without you having to leave the comfort of your home, anywhere in the UK.
Our Independent Legal Advice covers:
We provide independent legal advice for guarantors, joint borrowers, directors and homeowners across the UK whether you need ILA for a mortgage, a personal guarantee, or an equity release plan.
Director’s Personal Guarantees
Property purchases through a limited company. Each director needs separate ILA before signing the Deed of Guarantee.
Personal Guarantees
When the person providing security isn't the borrower. ILA confirms no undue influence or pressure to sign.
Occupier's Consent to a Mortgage
When a property has occupants not named on the title deeds. They formally waive their rights so the lender can proceed.
Transfer of Equity
When ownership or the mortgage on a property is being changed. ILA protects both parties through the transfer.
Bridging Loans
Short-term funding obtained quickly. ILA ensures you fully understand the loan's terms before committing.
Equity Release
Turning property equity into capital. We explain the risks, rewards, and long-term obligations involved.
Case Studies
Personal Guarantees for Directors Anant & Taara
Advised two directors setting up a property development company, providing plain-English ILA on their personal guarantees and certifying signatures so they could complete the purchase swiftly.
Joint Borrower Mortgage for Chris & Sheena
Advised a parent supporting her son’s first home purchase via a Joint Borrower Sole Proprietor mortgage, confirming privately that she was acting without pressure or undue influence.
Same-Day Occupier's Consent for Max & Amanda
Advised a cohabiting partner on signing an Occupier’s Consent form at short notice, arranging same-day ILA so the buyer could complete on the flat without delay.
Frequently Asked Questions
Many lenders require independent legal advice before releasing mortgage funds particularly for guarantors, joint borrower sole proprietor arrangements, occupier’s consent, transfer of equity, and equity release. If your lender has asked for an ILA certificate, we can usually arrange a same-day video appointment and issue it the same working day.
Same-day certificates are usually available, with appointments often booked within hours. Once we receive your documents and verify your ID, we can typically schedule your video call the same working day.
No. The entire service is delivered online via secure video call and is accepted by all UK lenders. There’s no need to travel or attend an office.
The personal guarantee document, your lender’s loan offer or facility letter, photo ID (passport or driving licence), and proof of address (utility bill or recent bank statement).
The lender can pursue any one director for the full amount of the debt — not just your proportional share. We’ll explain exactly how this affects you in your appointment.
Speak to Our ILA Solicitor Today
A free quote with no obligation. Same-day appointments available.
We’ll never share your info with anyone
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The information on this page is for general guidance only and does not constitute legal advice. Each case is different. Please contact us for advice specific to your situation.
Copyright 2024 Kalra Legal Group. Kalra Legal Group and KLG are trading names of Kalra Business Services Ltd (Company No: 9742420) Kalra Business Services is regulated by the Solicitors
Regulation Authority (SRA) 655870. Registered Office: Clyde House, Reform Road, Maidenhead, SL6 8BY VAT Number: 221003388
