Joint Borrower Sole Proprietor Mortgage Legal Advice
Appointments Next Working Day*
Zoom or Skype anywhere
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Our solicitor is available from 16/02/2026* and we offer joint borrower sole proprietor mortgage independent legal advice (JBSP mortgage ILA, otherwise known as BNP mortgage ILA) for all mortgage lenders**.
Our Fixed Fee is £275 INC VAT for the first borrower and £199 INC VAT for any additional borrower. Short on time? We can expedite your appointment for no extra charge and use Recorded Delivery to send your certificate***.
Does your Lender accept ILA by video conference?
Some mortgage lenders will not accept independent legal advice provided by video conference. It is your responsibility to check that they will accept a signature which has been witnessed by video conference. If your certificate is refused by your mortgage lender because your independent legal advice was conducted by video conference, Parachute Law reserves the right to withhold any refund of our fees.
Which Lenders Can't we help with?
Canada Life
Book your meeting today
Click to book a meeting with our solicitor to provide independent legal advice for your mortgage product.
Joint Borrower Sole Proprietor (Borrower Non Proprietor) Mortgage Legal Advice Requirement
Download
Barclays Joint Borrower Sole Proprietor
1
You will need to supply the details of the solicitor who you are instructing to provide the legal advice, using Barclays Independent Legal Advice - Information Request Form (use our part filled form to the right).
2
Barclays issues the mortgage documents, offer and certificate of independent legal advice to the solicitor's details you stated in the form. It can take anywhere from 5 to 15 working days to be issued to the solicitor.
3
Only once your Barclays papers are received can you book an appointment to have your independent legal advice.
Your solicitor can't help chase the documents for you so make sure to get your broker to help or chase Barclays direct.
Please ensure you use our exact details as per the downloadable form. Failure to supply an exact match may result in Barclays refusing to accept your certificate.
As a non-owner do I need to get independent legal advice? Yes, with a NatWest Family-Backed Mortgage, the non-owner needs to get legal advice once the mortgage offer has been issued and before the funds are released. Things to consider:
There will be the cost of the independent legal advice over and above the regular legal fees when buying a home.
The solicitor that provides the non-owner advice must be on the Solicitors Register.
The non-owner needs to get a letter from the solicitor to confirm they have received legal advice about a NatWest Family-Backed mortgage.
Metro Bank allow the parties requiring legal advice to provide their mortgage offer and terms to the solicitor. There is no prescribed Certificate of Independent Legal Advice so our solicitor will draft this for you.
SWIF - Debt Area A LP Acting by its General Parnter FSE SWIF Debt GP Limited
Suffolk Building Society
Tandem Bank Limited
The Mortgage Lender Limited
The Mortgage Works
Vida Homeloans
West One Secured Loans Limited
Together Commercial Finance Limited
Pepper Money Limited (trading as Pepper Money)
Zephyr Homeloans, a trading name of Topaz Finance Limited
Does your Lender accept ILA by video conference?
Some mortgage lenders will not accept independent legal advice provided by video conference. It is your responsibility to check that they will accept a signature which has been witnessed by video conference. If your certificate is refused by your mortgage lender because your independent legal advice was conducted by video conference, Parachute Law reserves the right to withhold any refund of our fees.
Which lenders can we NOT help with?
Canada Life
Foundation Home Loans
More2Life
Together Money
Together Commercial Finance Limited
Frequently Asked Questions
If you're making a director's guarantee, getting an indirect mortgage or a proprietor non-borrower mortgage, you must have independent legal advice on the legal advice on the mortgage offer and terms related to the property being purchased or refinanced.
In some cases there'll also be a Third Party Charge registered over your own residential home and you will need separate independent legal advice on this. We charge an additional fee for the supplemental legal advice for a Third Party Charge on your own home
The purpose of independent legal advice is to make sure that you understand the risks and implications of what you are agreeing to and that the decision to sign is yours and yours alone. The adviser must be able to confidently confirm that you are not being coerced into signing the documents.
If you are not on your own during the meeting then the solicitor will stop the meeting and you will need to rebook at a time where you are alone at a cost of £120 INC VAT. We will not refund any fee to you if you don't rebook.
Your conveyancing solicitor cannot provide the independent legal advice. The mortgage lender requires the legal advice to be provided by an independent solicitor who is not a party to the transaction or a party to the mortgage.
The independent solicitor can provide the legal advice to two borrowers, such as a mum and dad, but the advice must be provided in a separate meeting.
Our advice certificates do not expire.
If your Lender has requested a more recent advice certificate, even if your circumstances have not changed, then this must mean that your mortgage offer has been reissued with a more recent date.
Even if the terms of the mortgage offer have not changed, we cannot amend the date of your advice certificate as this advice was valid for the expired mortage offer. We would need to provide advice on the re-issued mortgage offer and provide a new certificate dated for the new advice.
We understand that this may be frustrating. If neither your circumstances, nor the terms of the offer have changed, we are able to offer you a new appointment and certificate for the reduced cost of £180. This cost includes the solicitors review of the reissued offer, to confirm that the terms have not changed.
We have acted for:
Barclays Bank UK Plc
Metro Bank Plc
Furness Building Society
HSBC Bank Plc
Halifax Bank Plc
National Westminster Bank Plc (Natwest)
Nationwide Building Society
Nottingham Building Society
Skipton Building Society
Please get in contact to confirm whether we can act for your mortgage lender by calling 0207 183 4547 or email us now on thelegalteam@parachutelaw.co.uk.
There is no requirement for a solicitor to witness a signature upon the Mortgage Deed. This can be signed in the presence of an independent third party (a person over the age of 18 years old who is not related to any person named in the transaction).
* Subject to availability. If we are fully booked ask and we will see if we can fit you in sooner.
** We can act for all mortgage lenders, however some lenders such as Fleet Mortgages do not allow ILA by video conference. To avoid delays check with your lender or ask us if we can complete via video conference.
*** The Certificate of Independent Legal Advice is sent by email or post on the same day you sign your Advisory Letter online.
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