.png)
Call us
Have you been advised to seek Independent Legal Advice?
We can help.
"Absolutely brilliant service. Very helpful and genuinely nice people" - Sonera Theo Angel-Rohan
An expert solicitor to provide Independent Legal Advice
Are you in search of straight forward advice with no hidden costs? Look no further! Our dedicated team are here to provide you with the professional legal expertise you need.
We can schedule an appointment time to suit you, and ensure a fast service with a certificate to meet mortgage/loan conditions that conforms to the lender’s requirements.
If you are in the process of purchasing a property, Independent Legal Advice is a critical aspect of the property purchasing process.
We will review your contract and explain any terms or clauses that you may not fully understand. This can help prevent misunderstandings and disputes down the line.
We can help you with the following:
Director's Personal Guarantees
Property purchases made within limited companies normally require Personal Guarantees from the directors.
Independent Legal Advice is required to ensure that all the associated risks are completely understood.
Joint Borrower Sole Proprietor Mortgages
There are circumstances where the borrower is different to the person offering the lender security.
Independent legal advice is required to ensure there has been no “undue influence” where pressure is applied from one family member to another.
Occupiers Consent Form
Independent legal advice is most commonly used when a property is occupied by more than one person but not owned jointly.
In this case the lender will require a document that waives the rights of the occupier who is not on the title deeds.
Transfer of Equity
Equity in a property is defined by market value less the amount of outstanding mortgage.
Independent legal advice is required when there is change to the mortgage/ownership of the property.
Bridging Loans
If a house comes on the market or a business proposition becomes available, a short term funding is an option. Bridging loans are available typically for a 6-12 month period.
Independent legal advice is needed as assets such as property will be used as security against the loan advance.
Equity Release
Equity release is a financial product offered to people approaching retirement age that would like to turn the equity in their property into capital.
Independent legal advice for this type of transaction is mandatory.
Why choose Cader Solicitors?
Experienced & Qualified
We have been providing Independent Legal Advice since 2015 and have more than 20+ years of experience within this area of law.
Same Day Turn Around
We will review your contract and explain any terms or clauses that you may not fully understand. A certificate and letter will be provided within 24 hours.
Quick Process
Once you have provided us with your paperwork, we would invite you in, usually on the same day, for no longer than 20 minutes.
Proven Track Record
Our team has a proven track record of outstanding client care. You can trust us to handle your case with the utmost professionalism and expertise.
Clear Communication
By obtaining Independent Legal Advice, you can protect yourself against potential legal issues, including unforeseen legal problems and conflicts of interest.
Sophina Chowdhury
Principal Solicitor
Meet the principal solicitor of Cader Solicitors
Founder & Director
I have over 20 years of experience in providing Independent Legal Advice. My wealth of knowledge and expertise means I can always provide adequate advice for you. My team offer a personalised and attentive service, as well as the flexibility for same day appointments. Our extensive experience sets us apart and should give you the confidence that your legal matters are in capable hands.
What our clients are saying about us
Sophina and team are, in a word, superb.
Highly attentive, thoughtful and responsive. Sophina took on a complex case and guided me through the options available and worked through a number of "what if's" to provide excellent recommendations. I cannot recommend Cader/Sophina highly enough!!!
William Haley
Google Review
Frequently asked questions
What is Independent Legal Advice (ILA)?
Independent Legal Advice (ILA) means impartial advice provided by an independent solicitor. The idea behind an ILA is to protect an individual from signing any document before understanding the risks of the transaction.
Here are the following types of Independent Legal Advice:
A Joint Borrower or Sole Proprietor
A transfer of equity where one party is being removed from the legal title
Personal Guarantees for Directors of a company if the company is purchasing a property
Occupiers Consent if someone is living in the Property and does not have an interest
Who needs ILA?
Can you get free ILA?
Unfortunately we do not provide free legal advice and do not know of any Solicitors that do.
In most cases we can get a letter and certificate out to your lender the same day or at the very least within 24 hours.
