Independent Legal Advice
Sunshine Coast
Loans, Mortgages & Guarantees
Clear, independent advice for borrowers, guarantors and directors, with online appointments available
50 Years of Legal Expertise
Award-Winning Service
Trusted by Our Clients
Independent Advice Before You Sign
Lenders may require a borrower, guarantor or director to obtain independent legal advice before signing loan, mortgage or guarantee documents. Our role is to explain the nature and effect of the documents, your obligations and the key risks, so you can make an informed decision before signing.
Bradley + Bray can review the relevant finance documents, meet with you privately, answer your questions and, where appropriate, complete the lender’s required Independent Legal Advice Certificate. Online appointments can also be arranged for convenience and faster turnaround where timing is important.
Guarantors
If you are being asked to guarantee another person’s or company’s obligations, it is important that you understand the extent of the liability you are assuming.
A guarantee may expose your personal assets to risk if the borrower fails to meet its obligations. We will explain the guarantee, any associated mortgage or security documents, the circumstances in which the lender may enforce them, and the potential financial consequences for you.
Our lawyer will meet with you independently of the borrower and answer any questions you have before you sign.
Where appropriate, we can then complete the lender’s required Independent Legal Advice Certificate.
Borrowers
When entering into a loan or finance arrangement, your lender may require you to obtain independent legal advice before you sign the documents.
We can review the relevant loan and mortgage documents with you and explain the key terms, your repayment and security obligations, events of default and the potential consequences if those obligations are not met.
Our advice is provided independently and in a private appointment so you have the opportunity to ask questions and understand the documents before deciding whether to proceed.
Where the lender requires confirmation that independent legal advice has been provided, we can complete the appropriate certificate after the advice has been given.
How the Independent Legal Advice Process Works
1. Send Us Your Details
Tell us whether you are a borrower, guarantor or director, who the lender is, what documents are involved and when the advice is required.
2. We Review the Documents
Once you are onboarded, our lawyer reviews the relevant loan, mortgage, guarantee and security documents before your appointment.
3. Meet With Your Lawyer
We meet with you privately, either in person or online, explain your obligations and risks, and answer any questions you may have.
4. Certificate Completed
Where appropriate, once the advice has been provided and any applicable lender requirements have been met, we can complete the lender’s required Independent Legal Advice Certificate.
Need advice urgently? Contact our team and let us know your required timeframe.
Request Independent Legal Advice
Send us your details and our team will contact you to confirm the next steps, applicable fixed fee and appointment availability.
FAQs on Independent Legal Advice
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A lender may require independent legal advice before you sign loan, mortgage, guarantee or security documents. The purpose is to ensure you understand the nature and effect of the documents, your obligations and the risks involved before deciding whether to proceed.
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Usually we will need the relevant loan agreement, mortgage, guarantee, security documents and any Independent Legal Advice Certificate or solicitor’s certificate provided by the lender. We will let you know if anything further is required.
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In many cases, yes. We can arrange an online appointment where appropriate, subject to the lender’s requirements and our identification and verification procedures.
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We aim to arrange appointments promptly once we have completed our conflict checks, onboarding and received the relevant documents. If your matter is urgent, let us know the lender’s deadline when you contact us.
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We offer fixed-fee options for straightforward Independent Legal Advice matters. We will confirm the applicable fee before you proceed, having regard to the documents involved and the complexity of the transaction
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No. The certificate is completed where appropriate after we have reviewed the documents, provided the required advice and satisfied any applicable lender and professional requirements.
Meet our Business & Commercial Team
Jacob Corbett
Legal Practitioner Director
Jacob is a Director of Bradley + Bray Lawyers, practising in Business, Commercial and Real Estate Law.
Jacob regularly advises clients in relation to commercial finance, loan and security arrangements, mortgages, guarantees and property transactions. His experience includes reviewing and advising on loan agreements, security documents, commercial property transactions and other finance-related arrangements.
Where independent legal advice is required by a lender, Jacob can explain the nature and effect of the relevant documents, the obligations being assumed and the key risks involved, so clients can make an informed decision before signing.
Bradley + Bray can assist borrowers, guarantors, directors and business owners requiring independent legal advice in relation to loan, mortgage, guarantee and security documents.
Bridie Edwards
Partner | Lawyer
Bridie Edwards is a Lawyer in the Commercial Law team at Bradley & Bray. Joining the firm in 2019 as a law clerk; she was admitted as a Lawyer in 2020; promoted to Associate Director in 2023; and Partner in 2025.
As an integral member of our leadership team, Bridie assists Director Jacob Corbett, Partner Peter Griffin, and Practice Manager Debbie Davis in managing the firm. Her role involves overseeing project management and internal processes to ensure our clients receive the highest possible quality of service. She also plays an active role as a mentor to her younger colleagues.
How we help.
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Borrower Advice
Independent advice on loan and mortgage documents so you understand your obligations, security arrangements and key risks before signing.
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Guarantor Advice
Advice for individuals providing personal guarantees, including the potential exposure of personal assets and circumstances in which a guarantee may be enforced.
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Directors & Company Guarantees
Advice for directors and business owners being asked to provide guarantees or security in connection with company borrowing.
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Commercial & Private Lending
Melissa Harris
Senior Paralegal
Melissa is a well known and experienced industry professional, working exclusively in residential and commercial conveyancing.
With over 30 years’ in the Legal industry, Melissa’s experience and people-skills make her an invaluable asset to any Property team. Melissa is known for her ability to remain calm and rational amidst the high-stress world of conveyancing.
Her driven and technical approach to the ever-changing landscape of conveyancing has gained her the respect of her colleagues and peers throughout both the legal community, and within the walls of our firm.
Recent Awards.
Contact Us Today
At Bradley & Bray Lawyers, your business sales and acquisition concerns and questions don’t just receive answers; they receive solutions. We invite you to engage with us for a more personalised discussion on how we can be of service to your business in the dynamic landscape of the Sunshine Coast’s commercial market.
Get in touch with our commercial lawyers on the Sunshine Coast today.
We’re here to help.
Level 1, 15 Ann Street, Nambour Qld 4560
PO Box 243, Nambour Qld 4560
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