Fast ILA Supports Time-Critical Completion for United Trust Bank Lending with Full ILA and ID Certification
Personal Guarantee for Corporate Buy-to-Let Mortgage
Fast ILA was instructed by a company director acting as personal guarantor for a £110,625 buy-to-let mortgage issued by United Trust Bank. The loan was made to their limited company for the purchase of an investment property in Manchester, to let the unit on a commercial basis.
As part of its risk and compliance checks, United Trust Bank required:
- A signed Deed of Guarantee
- A solicitor-issued Independent Legal Advice (ILA) Certificate
- Certified proof of ID for the guarantor
The client faced a tight deadline for completion and risked delays if the guarantee and compliance documentation were not finalised promptly.
Urgent ILA and ID Certification for a Buy-to-Let Guarantee
Fast ILA was engaged to provide:
- Independent legal advice on the nature and implications of the personal guarantee
- Completion of the UTB ILA Certificate
- Solicitor-certified identity documents, accepted by the lender
- Submission of all documents within 24 hours to avoid any delay to funding
Call Fast ILA on 0207 459 4037 or request a free consultation now.
Legal Advice Delivered to the Client
Our solicitor provided detailed, plain-English legal advice, covering:
- Unlimited personal liability: The guarantor was personally liable for all sums due under the £110,625 mortgage plus interest, fees, and enforcement costs
- Binding and enforceable obligations: The guarantee was irrevocable and remained effective even if the company defaulted or was wound up
- Lender discretion: United Trust Bank could pursue the guarantor directly without first taking action against the company borrower
- Risk to personal assets: In the event of default, the guarantor’s personal estate would be exposed
- Interest-only mortgage terms: Capital would remain outstanding at the end of the 25-year term and must be repaid from the sale of the investment property
ID Certification Provided
As part of our fully compliant process, Fast ILA:
- Verified the client’s ID via a secure video consultation
- Inspected original photographic ID
- Certified the identity documents to lender standards
- Included a signed solicitor declaration confirming the identity of the guarantor
This ensured United Trust Bank received both the ILA certificate and certified ID together, removing any risk of delay.
Why Clients and Lenders Choose Fast ILA
Fast ILA is a specialist legal service offering rapid, remote and fully compliant independent legal advice for:
- Personal guarantees
- Buy-to-let and commercial lending
- Bridging loans
- Director and shareholder guarantees
- Occupier waivers and third-party consents
- Solicitor-certified ID documents for lender approval
Our Service Promise:
- Same-day ILA advice and document turnaround
- Remote video consultations (UK-wide)
- Fixed pricing — from £120 + VAT plus £25 + VAT for certificate
- Accepted by major UK lenders including UTB, Paragon, Shawbrook and others
- Backed by FastVerify ID and face match technology
The Outcome: Full Legal and ID Compliance Delivered in 24 Hours
Thanks to Fast ILA:
- The guarantor received tailored legal advice on their obligations
- The UTB ILA Certificate was completed and signed
- The client’s ID documents were certified and submitted to the lender
- The mortgage proceeded on schedule, without any disruption
Need Independent Legal Advice and ID Certification for a Mortgage or Guarantee?
Lenders require solicitor-certified legal advice and ID confirmation before they will release funds. Fast ILA provides both reliably, securely, and in under 24 hours.
Call Fast ILA on 0207 459 4037 or request a free consultation today.
