Second Charge Loans – Independent Legal Advice
Fast. Affordable. Lender-Compliant.
Lenders often require Independent Legal Advice (ILA) before completing a second charge loan—particularly in situations where they’re concerned that the legal charge might later be challenged.
This usually happens where there’s a risk one of the signatories could later claim they didn’t fully understand what they were signing, or felt pressured into agreeing. Even where both parties are fully informed and acting voluntarily, lenders may still insist on ILA to ensure the documents remain enforceable.
In that sense, the requirement is not for your benefit—it’s a safeguard for the lender.
That’s where we come in. At ILA-Connect, we help you meet this requirement quickly, properly, and with no unnecessary legal cost or delay.
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
Fixed Pricing – No Hidden Costs
Choose the number of individuals requiring ILA and book directly below:
1 Person
£125 +VAT
2 Persons
£212.50 + VAT – Save 15%
3 Persons
£318.75 + VAT – Save 15%
4 Persons
£425 + VAT – Save 15%
When Is ILA Required for Second Charge Loans?
Lenders commonly request ILA in scenarios such as:
- Debt Consolidation
Where the new loan is being used to repay existing debts, especially where those debts were mostly incurred by one individual. - Business or Investment Purposes
Where the property is being used to secure borrowing that benefits only one of the signatories—such as for a business owned by one partner. - Unequal Benefit or Contribution
Where one person is assuming legal or financial risk, but doesn’t receive a clear benefit under the arrangement. - Concerns about Undue Influence
Especially in close personal or domestic relationships, where one person may later say they were pressured into signing. - Non-Standard Lending Structures
Including high-interest loans, rolled-up interest, or bridging-style second charge arrangements.
In all of these examples, the lender wants to be able to show—if ever challenged—that the person signing had the opportunity to take proper legal advice and proceeded voluntarily.
How the Process Works
- Book your appointment based on the number of individuals needing ILA
- Instantly receive a booking confirmation and secure client portal login
- Upload your documents via the portal:
- The second charge loan agreement
- The legal charge or mortgage deed
- Any ILA certificate or form provided by your lender
- Two forms of ID (one photo ID and one recent proof of address)
- Attend your appointment via secure video call
- Receive your signed ILA certificate — sent to you, your solicitor, or your lender, as required
FAQs – Second Charge Loan ILA
In reality, the lender’s motivation isn’t about helping you understand—it’s about ensuring that you can’t later claim you didn’t. They want to protect the enforceability of the loan and charge by showing that independent legal advice was offered and taken.
Only the individual(s) identified by the lender as requiring independent legal advice. This may be one borrower, both borrowers, or another person being asked to sign the legal charge.
There’s no payment up front. You’ll only be asked to pay after your appointment, directly to the solicitor handling your case.
Once booked, you’ll receive access to a secure portal. You’ll be asked to upload:
- A copy of the second charge loan agreement
- The legal charge or mortgage deed
- Any lender-provided ILA certificate or solicitor form
- Two forms of ID (one photo ID and one recent proof of address)
Yes. Same-day and next-day appointments are often available. Once your documents are uploaded, we’ll move quickly to help you meet your lender’s deadline.
Yes. The solicitor will provide the certificate or covering letter required by the lender, and it will be sent either to you, your solicitor, or directly to the lender—depending on the instructions you’ve given.
Book Your Appointment Today
We’re here to make your Independent Legal Advice requirement as simple, fast, and affordable as possible.