Personal Guarantee – Buy-to-Let – Company Mortgages
Independent Legal Advice, Done Quickly and Without the Drama
If you’ve been told you need Independent Legal Advice (ILA) because you’re giving a personal guarantee for a Buy-to-Let mortgage—especially through a limited company—you’re not alone. It’s a standard condition imposed by most lenders, even when you already understand exactly what you’re signing.
It can feel like an unnecessary, last-minute complication. And in most cases, it is. But the lender won’t release the funds without it—so the only thing to do is get it done, 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
Fixed Pricing – No Hidden Costs
Choose the number of directors requiring ILA and book directly below:
1 Director
£150 incl. VAT
15min Zoom Meeting
2 Directors
£270 incl. VAT – Save 10%
2 x 15min Zoom Meeting
3 Directors
£382.50 incl. VAT – Save 15%
3 x 15min Zoom Meeting
4 Directors
£480 incl. VAT – Save 20%
4 x 15min Zoom Meeting
Special Delivery Postage Fee:
If your lender or solicitor requires a wet-ink signed original document, our panel solicitors recommend using Royal Mail Special Delivery to ensure safe and timely delivery. This tracked and guaranteed next-day service is available for £15 plus VAT (£18 total).
How the Process Works
- Book your appointment based on the number of individuals needing ILA
- Instantly receive your booking confirmation and secure Client Portal login
- Complete your onboarding by uploading the required documents:
– The Personal Guarantee
– The lender’s ILA certificate (if provided as a separate document for signature)
– The Buy-to-Let mortgage offer
– Two forms of ID (one photo ID and one recent proof of address) - Attend your appointment via secure video call at the scheduled time
- Receive your signed certificate without delay — sent to you, your solicitor, or your lender, depending on what’s needed in your case
Solving the ILA Requirement for BTL Mortgages
We provide Independent Legal Advice for a wide range of Buy-to-Let lending situations, including:
- Signing a personal guarantee for a BTL mortgage through a limited company
- Situations where multiple directors/shareholders are required to sign jointly
- Remortgaging a buy-to-let property with a new lender
- Switching from bridging finance into a long-term BTL mortgage
- Adding or removing a director or shareholder in connection with a BTL loan
Whatever your lender’s requirements, we’ll help you meet them—efficiently and without unnecessary stress.
Trusted by Clients Across All Major BTL Lenders
We arrange Independent Legal Advice for clients working with virtually every buy-to-let lender in the UK. Over time, our panel solicitors have become extremely familiar with the documents and forms used by the major players in the BTL mortgage market—which means fewer delays, no confusion, and a faster turnaround for you.
We regularly assist clients dealing with:
Paragon Mortgages • The Mortgage Works • Aldermore Bank • Kensington Mortgages • Fleet Mortgages • Precise Mortgages • Vida Homeloans • Landbay • Foundation Home Loans • Together • Metro Bank • Keystone Property Finance • United Trust Bank • Molo Finance • Kent Reliance Bank • Nottingham Building Society • CHL Mortgages • Monmouthshire Building Society • Buckinghamshire Building Society • Shawbrook Bank • Leeds Building Society • Nationwide • The Mortgage Lender • Hampshire Trust Bank • BM Solutions • Roma Finance • Castle Trust • West One Loans • ATOM Bank • Family Building Society • Interbay • Leek United • Birmingham Bank • Swansea Building Society • Zephyr Home Loans • Yorkshire Bank • Vernon • Fleximize • LendInvest
Even if your lender isn’t listed above, we can almost certainly help — we deal with these requirements every day.
FAQs – Personal Guarantee ILA for Buy-to-Let
It’s frustrating, we know. You’ve already agreed to act as guarantor, and now you’re being told to get legal advice—even though you understand the nature of what you’re signing. But this isn’t really about protecting you. It’s a box the lender wants ticked to make sure the guarantee is enforceable later. That’s why it’s become a standard requirement.
Most people in your position already know what they’re signing and why. But lenders don’t want any risk of the guarantee being challenged later. Even if you see it as unnecessary, it’s often a non-negotiable condition. That’s where we come in—to help you get it done quickly, without overcomplicating things or charging inflated legal fees.
Once you book, you’ll receive a confirmation email and access to your secure Client Portal. From there, you follow a short checklist to upload the required documents:
– The Personal Guarantee
– The lender’s ILA form (if applicable)
– The Buy-to-Let mortgage offer
– Two forms of ID (one photo ID and one proof of address)
The portal guides you through each step, and you’ll be ready for your appointment in no time.
Yes. We offer next-day appointments and fast turnaround on signed certificates. Let your chosen panel solicitor know if you’re working to a tight completion deadline—they’ll do their best to accommodate you.
Yes. Once your appointment is complete, the solicitor will issue a signed certificate or covering letter (as required by your lender) confirming that Independent Legal Advice has been provided.
When booking, you’ll be asked to select a 15-minute time slot for each individual. You can choose times that run one after the other for convenience. Separate appointments are used to ensure the process fully complies with your lender’s requirements and documentation, so that all legal formalities are properly satisfied.
No. Your appointment is conducted by secure video call. There’s no need to travel—everything is handled remotely to save you time and hassle.
There’s no obligation. After booking, you’ll receive a booking confirmation containing chosen solicitor’s full contact details. You can ask any questions, raise concerns, or cancel/reschedule if needed—no charge and no pressure.
In each case, we provide the signed ILA certificate required by your lender—efficiently, reliably, and with minimal disruption to your transaction.
Book Your Appointment Today
We’re here to help you meet your lender’s legal requirements—without delay, confusion, or unnecessary cost.