Independent Legal Advice

Arthurs Solicitors are experienced Independent Legal Advice (ILA) solicitors in Kent, providing clear, impartial advice for individuals who are required to sign legally binding financial or property documents.

If you have been asked by a lender, bank, mortgage provider, or another solicitor to obtain Independent Legal Advice, we can help. Our role is to ensure you fully understand what you are signing, the legal risks involved, and the potential consequences — before you commit.

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We offer fixed-fee Independent Legal Advice, fast appointments, and certificates that meet lender requirements.

 

What is Independent Legal Advice (ILA)?

Independent Legal Advice is advice provided by a solicitor who is not acting for the lender or the other party to the transaction.

The purpose of Independent Legal Advice is to confirm that:

• You understand the legal document you are being asked to sign

• You understand the financial and legal risks involved

• You are signing freely and without pressure

• You have received independent, professional legal advice

Following your appointment, we issue a formal Independent Legal Advice Certificate, which is usually required by the lender or their solicitors.

 

When do I need Independent Legal Advice?

Independent Legal Advice is commonly required for:

• Personal Guarantees

• Legal Charges and Third-Party Charges

• Occupier Consent Forms

• Transfers of Equity

• Joint Borrower Sole Proprietor Mortgages

• Gifts of property or gifted equity

• Transactions at an undervalue

• Family or connected-party financial arrangements

 

If you are unsure whether Independent Legal Advice is required in your situation, we can advise you before booking.

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How our Independent Legal Advice service works

1. Contact us with your documents

2. We assess complexity, urgency, and confirm the fixed fee

3. Appointment booked at a convenient time

4. Independent advice meeting with a solicitor

5. Certificate issued to you and the lender or solicitors

6. Follow-up support if required

 

We aim to make the process simple, clear, and stress-free.

 

Why choose Arthurs Solicitors for Independent Legal Advice?

• Experienced Independent Legal Advice solicitors

• Fixed fees with no hidden costs

• Familiar with bank and lender requirements

• Appointments available in person or by video

• Fast turnaround, including urgent same-day advice

• Trusted local solicitors serving Birchington, Kent, and beyond