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Independent Legal Advice
No Hidden Costs.
You are in the right place if you have been told to obtain independent legal advice, such as on your mortgage agreement or loan guarantee. We are here to help you with that service.
We provide independent Legal Advice and Independent Legal Advice certificates for:
- Director’s personal guarantees
- Joint borrower sole proprietor mortgages (where there are two borrowers but only one name is on the property title)
- Occupier’s Consent to Mortgage
- Transfer of Equity
- Equity Release
- Employment Settlement Agreements
- Occupier’s Consent declarations
No need to visit us! All our independent legal advice services are now available by:
- Facetime
- Zoom video conferencing.
Lenders are legally obliged to request that you take independent legal advice. This is what we do: provide independent legal advice. We sign these documents for you or provide a signed certificate of independent legal advice!
What we offer:
- Directors guarantee on buy-to-let mortgages up to £500,000.00 – from £140 excluding VAT.
- Early appointments and a no-fuss, simple pricing system.
- We can also offer same-day appointments if we have your papers
- Late Appointments to 6.30 pm are available to suit your needs.
- No hidden costs. Prices are confirmed before your appointment.
- We work with all of the lenders.
- Cover all areas of England and Wales via Zoom, FaceTime, or WhatsApp. Just ask!
- All fees are agreed in advance, so that you know the prices.
- Loans or mortgages above £500,000.00 – please enquire.
Once we’ve provided you with the independent legal advice and signed the documents, we aim to dispatch all documents to you, your solicitor, or lender in the same day’s post.
Schedule an online Appointment
Or message us https://www.paulnorton.com/contact-us/and, and one of our team will get back to you to help get your Independent Legal Advice in place.
We are waiting for your call.
Some standard definitions used by lenders:
Director’s Personal Guarantees. This is where the company director must provide a personal guarantee to the lender for a loan taken out by the director’s company. It is signed by the director in a personal capacity, allowing the lender (the bank) to obtain a personal guarantee from the director. The director then becomes personally liable for the loan. We provide the advice and certificates for those personal guarantees.
Joint borrower sole proprietor Mortgages. When two borrowers are on the mortgage, but only one of them will be the property owner. We provide a certificate of independent legal advice for the person named on the mortgage but not on the property title deeds. The mortgage can proceed once the non-owner borrower has a certificate of independent legal advice.
Transfer of Equity. One person may give a share of a property to someone else or put their house into more than one name. We provide the certificate of independent legal advice. The transfer can then take place.
Equity Release Advice. Older property owners take out equity from their homes to fund their retirement.
Occupier’s Consent form. An Occupier’s Consent form is a document in which the lender asks an occupier of a property to sign, agreeing to vacate the property if the lender intends to initiate possession proceedings. In effect, they are relinquishing their right of occupation should the lender demand it. We can provide the occupier’s consent certificate, allowing the mortgage or remortgage to proceed.
Employment Settlement Agreements. When someone’s employment ends, the employee is given an Employment Settlement Agreement setting out the terms of the termination. The employee is then instructed to obtain a certificate from an independent solicitor to demonstrate that they have taken advice on the agreement before the settlement agreement can proceed. We provide that advice on your settlement agreement and sign the solicitor’s letter confirming you have been advised. We aim to give that advice in all cases within 24 hours of receiving your instruction. In these cases, the fee is always paid by the employer. We guarantee that we do not exceed that fee.
How We Work
- Nominate us as your lender’s independent Legal Advisor. Your lender can then send us your papers.
- On the same day your papers arrive, we will contact you to arrange your meeting.
You chose how your meeting is to take place – your choice!
Content reviewed February 2026