Independant legal advice to borrowers and/or guarantors

Certificate of Independent Legal Advice $980 +GST

Independent Legal Advice is when a person receives legal advice from a solicitor who is entirely independent of the other parties involved in an agreement or transaction. It's most often required when signing important legal documents—such as Binding Financial Agreements, loan guarantees, or property settlements—where there’s a risk one party might not fully understand the legal consequences of what they’re signing.

At Mothers in Law Lawyers, we provide independent legal advice to make sure that you understand exactly what you’re agreeing to, and that your decision is informed, voluntary, and free from pressure.

Why is it Important?

Independent Legal Advice isn’t just a legal checkbox—it’s a safeguard. It protects your rights by:

  • Ensuring you understand the risks and implications of the agreement

  • Helping you make a decision that’s in your own best interests

  • Providing a record that you entered into the agreement freely and with full knowledge

  • Reducing the risk of future disputes or claims of duress or unfairness

  • In many cases, ILA is required to make an agreement legally binding and enforceable.

It’s just a signature on a form isn’t it? Why does it cost $$$

Providing Independent Legal Advice isn’t just a quick signature. Aside from the administration costs associated with opening a new file (legal requirement) we as solicitors must:

  • Read and understand the full agreement (often lengthy and complex)

  • Assess whether the terms are fair and reasonable

  • Meet with you one-on-one (often in person or via video call)

  • Explain the agreement clearly, including any potential risks

  • Provide a signed Certificate of Advice as proof the advice was given

This process takes time, care, and legal expertise—especially because the solicitor is assuming a level of liability in confirming that you’ve received and understood the advice. That’s why there’s a cost involved. You're not just paying for a piece of paper; you're paying for peace of mind, professional protection, and expert guidance.

Let’s Talk!

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