INDEPENDENT LEGAL ADVICE - MORTGAGE - GUARANTOR

At Renee Roumanos Legal, we provide clear, compassionate, and professional legal advice to individuals asked to act as guarantors for mortgage and loan documents. If you’ve been asked to guarantee someone else’s loan—whether for a family member, friend, or business partner—it’s essential that you understand the risks involved.

Why Independent Legal Advice Matters

Lenders often require guarantors to obtain independent legal advice before signing mortgage documents. This is to ensure you:

• Fully understand the legal and financial obligations you are taking on.

• Appreciate the potential risks involved, including the possibility of being liable for the full loan amount.

• Are entering into the guarantee voluntarily, and not under pressure or misunderstanding.

Banks will not proceed with the loan until this independent advice is properly given, usually accompanied by a solicitor's certificate confirming it.

How We Can Help

Our experienced solicitors will:

• Review all relevant loan and mortgage documents with you in detail.

• Explain your rights and responsibilities in plain English—no legal jargon.

• Ensure you understand the worst-case scenarios, such as what happens if the borrower defaults.

• Provide the necessary solicitor’s certificate required by the lender.

We offer fixed fee pricing for this service, and can often accommodate urgent appointments, including same-day advice where possible.

Your Peace of Mind is Our Priority

We know acting as a guarantor is often an emotional decision, particularly when it involves helping a loved one. Our role is not to discourage or sway you—it’s to ensure you are protected, informed, and supported every step of the way.

If you’ve been asked to act as a guarantor and need independent legal advice, contact our team today.