How a Mother and Son Secured ILA and ID Certification for a Bridging Loan in One Working Day
Short-Term Finance for Property Flip
Fast ILA was instructed by a mother and son entering into a £50,000 bridging loan to fund the purchase and development of a residential property, which they planned to renovate and sell for profit.
The bridging lender required both individuals to:
- Sign personal guarantees
- Obtain independent legal advice (ILA)
- Provide solicitor-certified ID documentation before releasing funds
Given the tight timeline for completion and refurbishment, the clients needed a solution that was both legally compliant and immediately actionable.
Guarantee and ID Certification Required Before Bridging Funds Could Be Released
The lender made it clear: no funds would be released until both guarantors had:
- Received independent legal advice
- Signed with confirmation of free and informed consent
- Provided certified identification by a solicitor
The mother and son contacted Fast ILA seeking urgent legal advice and document certification to avoid delays or the risk of losing the transaction.
Fast ILA’s Response: ILA and ID Certification Delivered Within 24 Hours
We immediately reviewed the lender’s conditions and provided a streamlined, fully compliant service. Within one working day, Fast ILA:
- Reviewed the bridging loan documents and personal guarantees
- Provided separate, individual legal advice to each client via secure remote video consultation
- Explained in detail the personal legal and financial risks associated with guaranteeing bridging finance
- Certified each client’s identity documents in accordance with the lender’s specifications
- Completed and returned the lender’s required Certificate of Independent Legal Advice
✅ Need solicitor-certified ILA and ID for your bridging loan? Get it done today with Fast ILA.
Call Fast ILA on 0207 459 4037 or request a free consultation today.
Legal Advice Provided Included:
- Full exposure to liability for the bridging loan amount and any associated costs
- Joint and several guarantees meant the lender could pursue either or both for the full £50,000
- No right to withdraw from the guarantee once signed
- Binding effect regardless of the success of the property sale
- Risk to personal assets in the event of borrower default or shortfall on repayment
We also made it clear that the guarantee was not time-limited and would remain enforceable until the loan was repaid in full — even if the development did not sell or incurred unforeseen losses.
Why Bridging Lenders and Clients Choose Fast ILA
Fast ILA provides independent legal advice and certified ID verification for bridging loans, development finance, and high-value personal guarantees.
Our service is:
- Fast – same-day advice and certification
- Remote – fully accessible from anywhere in the UK
- Fixed fee – from £120 + VAT, plus £25 + VAT for lender certificate and no extra for ID certification
- Lender compliant – documentation accepted by major UK bridging lenders and finance providers
- Secure – with FastVerify™ digital ID and face-match technology
Whether you’re a developer, investor or family borrower, Fast ILA helps you comply quickly and confidently
The Outcome: Fully Compliant in 24 Hours, No Delay to Completion
Thanks to Fast ILA’s quick action:
- Both clients received full legal advice and signed voluntarily
- The lender’s requirements were met in full — including certified ID
- The loan was released on time, allowing the development project to proceed
- The clients had peace of mind and written confirmation of their obligations
Need ILA and Certified ID for a Bridging Loan or Guarantee?
Most lenders will not release bridging finance without formal, solicitor-certified documentation.
Fast ILA provides independent legal advice and certified ID usually within 24 hours.
Call Fast ILA on 0207 459 4037 or request a free consultation today.
