Third-Party Borrowing – Independent Legal Advice

Fast, Clear, and Lender-Compliant

If you’ve been told you need Independent Legal Advice (ILA) because you’re supporting someone else’s loan—by signing as a guarantor, offering security, or being added to the mortgage—it’s not unusual. It’s a standard condition imposed by many lenders, especially where someone is stepping in to help without directly borrowing the funds.

It can feel like a box-ticking exercise. And in many cases, it is. But until that legal advice is confirmed, the lender won’t release the funds—so the only thing to do is get it sorted, quickly and properly.

That’s where we come in. At ILA-Connect, we make the process simple, fast, and affordable.

Why Choose ILA-Connect?

✔ Next-day appointments available
✔ Fixed, all-inclusive pricing
✔ Nationwide service via secure video call
✔ Booking Confirmation and Client Portal access sent immediately
✔ Fast turnaround on signed ILA certificates

How the Process Works

1. Book your appointment based on the number of individuals needing ILA
2. Instantly receive your booking confirmation and secure Client Portal invitation
3. Complete your onboarding by uploading the required documents:
   1. The guarantee, legal charge, or other third-party document
   2. The lender’s ILA certificate (if provided separately)
   3. Any mortgage offer or supporting documentation
   4. Two forms of ID (one photo ID and one recent proof of address)
4. Attend your appointment via secure video call at the scheduled time
5. Receive your signed certificate without delay — sent to you, your solicitor, or your lender, depending on what’s needed

Solving the ILA Requirement for Third-Party Borrowers

We provide Independent Legal Advice for a wide range of third-party lending scenarios, including:

• Signing as a guarantor to support someone else’s mortgage or loan
• Providing a legal charge over your own property to secure another person’s borrowing
• A parent or family member being asked to sign security documents for a relative’s business or commercial loan
• A spouse offering security over jointly owned property where only one partner is taking the loan
• A friend or associate acting as a guarantor for someone else’s asset finance or leasing agreement

Whatever your lender’s requirements, we’ll help you meet them—efficiently and without unnecessary stress.

Trusted by Clients Across the Lending Market

We arrange Independent Legal Advice for clients working with a wide range of mortgage lenders, high street banks, and specialist finance providers. Over time, our panel solicitors have become highly familiar with the forms and procedures involved—ensuring fewer delays, faster turnarounds, and no confusion.

We regularly assist clients dealing with:

21Finance • Albatross Capital • Allica Bank • Alternative Bridging Corporation • Apex Bridging • Ascot Bridging • Aspen Bridging • AssetStone • Beaumont Finance • BIG Property Finance • BLG • Black & White Bridging • Blend • Blue Square Capital • Bluecroft • Bricks Finance • Buzz Capital • Capital Rise • Century Capital • Charterbank Capital • Clearwell Capital • Cohort Capital • CrowdProperty • Cynergy Bank • District & County Investments • Fiduciam • Finanta • Fox Funding • Funding 365 • Funding Options • Glenhawk • Goldentree Financial Services • Got Capital • Grosvenor Funding • Hampshire Trust Bank • Hana Capital • Hope Capital • InterBay Commercial • Kuflink • Lendco • Lendhub • LendInvest • Lending Bridge • London Credit • Market Financial Solutions (MFS) • Mercantile Trust • Mint Property Finance • MS Lending Group • MSP Capital • MT Finance • Octane Capital • Octopus Real Estate • Oakbridge Financial Services • Ortus Secured Finance • Phoenix Money • Pivot • Pluto Finance • Positive Commercial Finance • Positive Lending • Portman Finance • Precise Mortgages • Private Finance • Proxima Capital • Pure Property Finance • Rapid Bridging • Reward Finance Group • Roma Finance • Ryse Finance • Shawbrook Bank • Simple Bridging • SME Bridging Finance • Stream Bank • TAB • The Bridging Group • Together Money • Tuscan Capital • UK Property Finance • Ultimate Finance • United Trust Bank • Vantage Finance • West One Loans • Westwood Capital Finance • Wey Bridging • Whitehall Capital • Y3S • and many more.

Even if your lender isn’t listed above, we can almost certainly help — we deal with these requirements every day.