Independent legal advice for guarantors · Australia wide
Independent Legal Advice for Guarantors in 24 hours
Know what you're guaranteeing before you sign. We explain your loan and guarantee in plain English, then send your certificate straight to your broker.
Prefer to talk first? Call +61 450 346 538
★★★★★ 5.0 on Google · 10+ years' experience
- Certificate in 24 hours
- Fixed from $599 including GST
- Online Australia wide or in person in Newcastle
- Evenings and weekends
From booking to certificate in four simple steps
1
Book a time online
Pick a time that suits you, including evenings and weekends, then upload your loan documents and any lender certificate template from your phone.
2
Quick ID check
We verify your identity online and you pay the fixed fee into our trust account. It only takes a few minutes.
3
Talk it through with your lawyer
We meet by video, or in person in Newcastle. We explain what you’re signing, what happens if repayments stop, and how to protect yourself.
4
Receive your certificate
When you’re comfortable to go ahead, we sign your certificate and send it straight to you and your broker or lender.
One fixed fee. Everything included.
One guarantor
$599
including GST
- Review of your loan, guarantee and mortgage documents
- Private appointment by video, or in person in Newcastle
- Plain English explanation of your obligations and risks
- Witnessing of your guarantee and statutory declaration
- Free re-certification if the lender changes the documents before settlement
- Signed certificate sent to you and your broker or lender
Two guarantors, same loan
$799
including GST
- Everything in the single guarantor appointment
- A certificate for each guarantor
- Ideal for couples guaranteeing a family member's loan
- Save $399 compared with two separate appointments
Built around your settlement date
24 hours
booking to certificate
Book today and your certificate is usually with you and your broker within 24 hours. Fast is the standard, not an extra.
From $599
One fixed fee
Including GST. No hourly billing.
Australia wide
Video appointments
Meet from home or work, wherever you are in Australia.
After hours
Evenings and weekends
Appointments that fit around work and family.
Why guarantors and brokers choose us.
A typical law firm
Eugénie Michael Lawyers
Cost
A typical law firm
Often hourly billing, which can run to $650 to $1,200 or more.
Eugénie Michael Lawyers
One fixed fee of $599 including GST, with witnessing included.
Turnaround
A typical law firm
Often several days before you can get an appointment.
Eugénie Michael Lawyers
Usually within 24 hours of your appointment.
Appointment times
A typical law firm
Business hours, often at their office.
Eugénie Michael Lawyers
Evenings and weekends, by video or in person in Newcastle.
Who you talk to
A typical law firm
Whichever lawyer is available.
Eugénie Michael Lawyers
An experienced lawyer who explains everything in plain English.
Documents reviewed first
A typical law firm
Sometimes, and often billed as extra time.
Eugénie Michael Lawyers
Always, before we meet, so your appointment is about your questions.
Who needs independent legal advice?
Home loan guarantors
Parents, partners and family members helping someone buy a home, often using their own property as security.
Business loan guarantors
Directors and shareholders asked to personally guarantee a company, private or related-party loan.
SMSF guarantors
Trustees and members guaranteeing a limited recourse borrowing arrangement for their fund.
Investment property guarantors
Guarantors supporting a loan to buy or refinance an investment property.
Borrowers and co-borrowers
Borrowers, co-borrowers and older homeowners, including reverse mortgages, asked by a lender to get advice before signing.
Not sure if you need it?
Call +61 450 346 538 and we can help.
What to have ready
Send these through when you book and we will review them before we meet, so your appointment is focused on your questions. Don’t have them all yet? Book anyway and send them when they arrive.
Your loan offer or loan agreement
The guarantee and indemnity
Any mortgage or security documents you are being asked to sign
Your lender’s certificate template, if they have one
Photo identification, such as a driver licence or passport
In our clients' words
Working with Eugenie with our clients has been absolutely amazing. She has helped multiple of our clients with Independent legal advice and conveyancing needs. She has gone out of her way to help with residential and commercial property purchase matters. Our clients that we have introduced have clearly made note around her personality and the way she has made them really comfortable
Evan R.
Highly recommend Eugenie Michael Lawyers. Professional, knowledgeable and easy to deal with from start to finish. She made the whole process straightforward and stress-free. Great service and communication throughout!
Roberto P.
Eugenie is the best! We were in a tight pickle and needed a lawyer to sign some documents fast. She dropped everything and stayed back late to get it over the line!
Jean H.
Was great to do business with and very helpful, and would recommend.
Toni C.
Independent legal advice FAQs
It is a document signed by a lawyer confirming they have explained the loan and guarantee documents to you, that you understand them and that you are signing voluntarily. Lenders usually need it before the loan can settle.
The lender may be able to recover the debt from you, which can include selling property you have offered as security. That is why lenders require independent advice. We explain exactly what your documents allow the lender to do.
Sometimes. Some lenders allow a guarantee capped at a set amount, and a guarantee can often be released once the loan is paid down or refinanced. It depends on your lender and your documents, and we will go through your options with you.
$599 including GST for one guarantor, or $799 including GST for two guarantors on the same loan. The fee is fixed and agreed before your appointment, and includes witnessing of your guarantee and statutory declaration.
Yes. We offer video appointments to guarantors anywhere in Australia, and most appointments take about 30 minutes. If you or your lender would prefer to meet face to face, we can see you in person in Newcastle.
Usually within 24 hours of your appointment, once we have your documents. Evening and weekend appointments are available if you are working to a tight settlement date.
That is your decision to make. Our role is to make sure you understand the documents, and you are never under pressure to proceed.