INSTANT BOOKING: Select Date & Time

Price & Service Guarantee

Got a quote? We will beat it by at least 10%

Key Takeaways

  1. Paragon Bank requires Independent Legal Advice (ILA) to ensure you fully understand all legal and financial risks before signing.
  2. The Paragon ILA certificate confirms a qualified, SRA-regulated solicitor has explained your loan, waiver, or guarantee obligations in detail.
  3. You must complete Paragon Bank ILA before your lender will release funds or complete your buy-to-let or bridging loan.
  4. Signing Paragon Bank documents without proper ILA could make you personally liable for 100% of the mortgage or loan debt.
  5. Fast ILA offers fixed-fee, remote ILA appointments for Paragon Bank, with same-day video calls starting from £120 plus VAT.
  6. Simply upload your Paragon documents and valid photo ID, then meet your Fast ILA solicitor online at a time that suits you.
  7. Our solicitors guide you through every risk and ensure your ILA certificate complies with Paragon Bank’s requirements.
  8. Fast ILA is rated Excellent on Trustpilot with over 170 five-star reviews and a 4.9/5 client rating.
  9. Booking your Paragon ILA UK service with Fast ILA reduces stress, ensures compliance, and lets you complete your loan quickly and safely.

Book your Paragon Bank ILA online today or call 0207 459 4037 for urgent help.

Do I Need Independent Legal Advice Before Signing My Paragon Bank Loan or Waiver?

If Paragon Bank instructs you to get independent legal advice before completing your buy-to-let or bridging loan, this is a crucial step. Without a Paragon ILA certificate, your lender will not release funds, and you could face personal liability for the full loan if you sign without understanding the risks.

Fast ILA’s SRA-regulated solicitors specialise in Paragon ILA requirements, offering fixed-fee, remote appointments that walk you through Paragon property loan legal advice in plain English.

Paragon Bank will not proceed until your independent solicitor certifies that you fully understand the agreement and are entering freely. This protects you and helps your transaction avoid legal or compliance setbacks.

What Is a Paragon ILA Certificate—and Why Does Paragon Bank Require It?

A Paragon ILA certificate is a formal document, signed by an SRA-regulated solicitor, confirming that all legal risks and implications of your Paragon Bank agreement have been explained—via secure video call, in clear and understandable terms. This certificate proves to Paragon Bank that you have received truly independent legal advice.

Banks like Paragon require ILA certificates because of strict lending rules and past cases where borrowers later disputed their obligations due to lack of understanding or pressure. The ILA certificate protects you by ensuring you are aware of your commitments, personal liability, and any waiver of rights involved.

What Types of Paragon Bank Loans and Documents Require Independent Legal Advice?

Paragon Bank offers several property finance products and related documents requiring independent legal advice:

Buy-to-Let Mortgages

If you’re securing a buy-to-let mortgage as a joint borrower, third-party guarantor, or where rental income is shared, Paragon requires a specific ILA certificate for every relevant party. This ensures no one is accidentally held responsible for another’s loan.

Bridging Loans

Short-term, high-value bridging finance with Paragon often involves greater risk. Paragon will require a bridging loan ILA certificate—especially for personal guarantees or where family assets are at stake.

Waiver Certificates, JBSP, and Occupier’s Consent Forms

  • Paragon Waiver Certificate: Needed if you consent to Paragon’s rights as lender, sometimes waiving your right to occupy or own part of a property in case of default.
  • Joint Borrower Sole Proprietor (JBSP): A non-owning borrower supports the loan without being named on the title. Paragon requires ILA to make sure you understand the risk of paying a mortgage with no legal interest in the property.
  • Occupier’s Consent (Waiver): Anyone living at a property mortgaged to Paragon, but not on the title, may have to sign an occupier’s waiver and receive ILA so they understand potential eviction risks.

Fast ILA covers all these situations, with Paragon-compliant ILA for any property or bridging finance scenario.

What Does the Paragon ILA Certificate Cover? Key Legal Risks Explained

Independent legal advice for Paragon Bank protects you from unintended liability. Your Fast ILA solicitor explains major legal risks and ensures you are aware before you sign.

Personal Liability and Full Debt Exposure

Paragon ILA advice highlights if you are personally responsible for all or part of the debt—even if you’re supporting someone else’s borrowing.

Joint and Several Liability Clauses

Most Paragon mortgages and guarantees include “joint and several liability”, meaning each borrower can be pursued for the full debt if others default.

Waiver of Rights and Guarantees

In waiver certificates or JBSP arrangements, you might be giving up the right to live in or claim an interest in the property—even if you pay towards the loan.

Early Repayment Charges and Unfair Terms

Some Paragon documents contain high early repayment fees, accelerated default charges, or complex guarantees. Your Fast ILA solicitor will review these and explain any pitfalls.

Being fully informed of these risks is central to Paragon ILA—and why Fast ILA ensures clear explanations and answers to all your questions.

How Does the Paragon Bank ILA Process Work with Fast ILA?

Step-by-Step: Booking, Documents, and Video Legal Advice

  1. Book your Paragon ILA appointment on our website—select a time to match your completion deadline.
  2. Upload your Paragon Bank paperwork and valid photo ID securely online.
  3. One of our SRA-regulated solicitors reviews your documents and schedules a video call for independent legal advice tailored to your case.
  4. After your online session, your solicitor issues and emails the signed Paragon ILA certificate—ready to send to Paragon’s legal team.

Delivery of Remote, Paragon-Approved ILA Certificates

With Fast ILA, there’s no need to visit a solicitor in person—everything is managed online and fully compliant with Paragon’s criteria. Your certificate is produced on law firm letterhead and accepted by Paragon’s solicitors.

If you need urgent or same-day Paragon Bank ILA, book online or call 0207 459 4037 for immediate assistance.

What Documents and Information Do You Need for a Paragon ILA Certificate?

Checklist: Preparing for Your Paragon ILA Appointment

  • Your Paragon agreement (mortgage deed, bridging loan contract, guarantee, waiver, JBSP form, or occupier’s consent).
  • Additional Paragon documents referenced in offer or completion packs.
  • Valid photo ID (in-date passport or UK driving licence).
  • Details of co-borrowers, property, and residential status if relevant.

Having these documents ready ensures your ILA certificate is produced correctly and avoids last-minute delays.

What Happens in an Online ILA Appointment for Paragon Bank?

What Your Fast ILA Solicitor Will Do

  • Confirm your identity with video ID verification.
  • Go through each Paragon document clause-by-clause, scanning for liability, waivers, guarantees, and risk areas.
  • Ensure you understand your obligations, including any loss of property rights or risk of full debt liability.
  • Confirm (with no one else present) that you are signing freely and without pressure.
  • Invite your questions and flag any issues for Paragon’s legal team.

Appointment Duration and Turnaround

Most Fast ILA appointments take 15–30 minutes. For those with urgent completions or expiring mortgage offers, Paragon ILA certificates can often be issued same day—with priority given for tight deadlines.

You can book your Paragon Bank ILA online anytime and keep your purchase or refinance on schedule.

Risks of Signing Paragon Bank Documents Without Proper ILA

Can Paragon Refuse Funds or Delay Completion?

If you do not provide an independent solicitor’s ILA certificate, Paragon may:

  • Refuse to release loan or bridging funds
  • Delay your completion, risking property loss or loss of your agreed rate
  • Cancel your loan offer altogether

Legal and Financial Risks if ILA Is Missing or Faulty

Not obtaining valid ILA exposes you to:

  • Unintended full liability for the entire debt, not just your share
  • Little protection if the loan or guarantee is challenged later
  • Risk of enforcement action, repossession, or negative credit consequences

If ILA Was Negligent or Incomplete

An incomplete or rushed ILA certificate could be rejected by Paragon or fail to protect you in future disputes.

If you believe your previous ILA was deficient, Fast ILA’s solicitors can review and, where needed, provide a fresh, compliant ILA certificate.

Why Do Lenders Require ILA For Paragon Bank Documents?

Case Relevance to ILA
RBS v Etridge (No 2) [2001] Established that informed, independent legal advice is necessary for guarantees and waivers to be binding.

The House of Lords decision in RBS v Etridge (No 2) sets the standard for lenders like Paragon: a borrower or guarantor must be shown to have understood the consequences, with risks explained by a truly independent solicitor. Paragon’s insistence on ILA is designed to prevent costly disputes and ensure all parties give informed, voluntary consent.

Getting Your Paragon ILA Certificate Online: Fast, Secure, and Always Accepted

Fast ILA provides a fully remote, Paragon-approved ILA service. Book online, upload your documents, and have your legal advice session via secure video from home or work. Your ILA certificate is always issued by an SRA-regulated solicitor and accepted by Paragon’s legal team.

Arrange your Paragon Bank ILA online now to meet urgent deadlines and avoid unnecessary stress.

The Fast ILA Advantage: Paragon Bank ILA Made Simple

  • Fixed-fee ILA from £120 + VAT—no extras or hourly rates.
  • 100% remote: Book, upload, and complete your ILA entirely online.
  • SRA-regulated solicitors: Every ILA certificate is Paragon-compliant and lender-accepted.
  • Same-day and urgent slots for pressing deadlines or late Paragon paperwork.
  • Secure uploads and digital ID verification for your peace of mind.
  • Rated ‘Excellent’ on Trustpilot with over 170 five-star reviews.
  • Step-by-step guidance on all Paragon Bank documents and risks before you sign.

To learn more about our support for Paragon borrowers, guarantors, and occupiers, see our Buy-to-Let ILA page.

Frequently Asked Questions About Paragon Bank ILA Certificates

How quickly can I get a Paragon Bank ILA certificate online?

Fast ILA can usually offer an appointment within 1–2 working days, and same-day urgent Paragon ILA is available when you have all paperwork ready.

Is ILA for Paragon Bank mortgages and bridging loans compulsory?

Yes. If Paragon’s solicitors require independent legal advice, your transaction cannot complete without a valid ILA certificate.

What happens if I don’t complete ILA for my Paragon loan?

Funds will not be released and completion may be delayed or cancelled.

Can I use Fast ILA if I am outside the UK?

Yes. With valid UK ID and internet access, Fast ILA can provide Paragon ILA wherever you are located.

Does Paragon Bank accept ILA certificates from remote solicitors?

Yes. Fast ILA’s SRA-regulated digital ILA certificates are accepted by Paragon and all major UK lenders.

How much does Paragon ILA cost with Fast ILA?

Our fixed fee starts from £120 + VAT; urgent or same-day services are transparently priced when you book.

What if I disagree with my solicitor’s advice on the Paragon document?

You are never obliged to sign—your Fast ILA solicitor will explain concerns and discuss your options.

Can I book one ILA appointment for multiple Paragon documents?

Often yes. Upload all your Paragon documents at booking, and let us know if you have more than one form to cover.

What should I do if Paragon asks for a guarantor ILA certificate?

Book an ILA session with Fast ILA, upload the guarantee, and our solicitors will certify your advice is fully compliant.

What if I think my previous Paragon ILA was negligent or incomplete?

Fast ILA can review your prior ILA in confidence and, if needed, provide a new, Paragon-compliant ILA certificate.

Book Your Paragon Bank ILA with Fast ILA Today

Arrange your Paragon Bank Independent Legal Advice with Fast ILA for a fast, remote, fixed-fee solution. All ILA is delivered by SRA-regulated solicitors, accepted by Paragon, and completed online—ensuring complete protection and no delays to your property transaction.

Call us on 0207 459 4037 or use our online booking form to schedule your fixed-fee remote ILA appointment now.

Fast ILA keeps your Paragon Bank property loan or bridging finance on track—efficiently, securely, and with genuine legal protection every step of the way.

Verified

DO

Karim Oualnan handled a contractual case to a successful resolution. Karim was very diligent, always providing great, honest advice in which Karim always put my best interests at the forefront of his suggestions during the case. He is very reliable, trustworthy and always on hand to help. I would highly recommend Karim.

Verified

MW

I have no hesitation in recommending the services of Karim and his team. I had been banging my head against a brick wall after my bank forced the closure of my accounts and froze a substantial amount of my cash assets. Karim quickly reviewed all of the documentation relating to the matter and issued a letter before claim and formal notification of the intention to commence legal proceedings against the bank.

Verified

MT

They gave me some great advice and answered all my questions during my phone call!

Verified

NJ

Karim was kind, knowledgeable, very professional, providing great ,honest advice ,always on hand to help. Karim quickly reviewed all of the documentation relating to the matter and issued a letter for me, thank you very much for the invaluable service you gave me ,highly recommend Karim..

Verified

IR

Great experience. Very good communication and got the answers to my questions.

Verified

LI

Karim was super helpful. The scheduled phone call was on time. All my questions were answered and after a few sleepless nights, my mind was put at ease. I have now decided to avoid a potentially costly court case thanks to Karim’s help and knowledge. Just making the decision to not pursue things any further after sound advice has made me feel so much better. Hopefully I’ve learnt a valuable lesson. Thank you again.

Verified

OB

Brilliant service and lawyers. Karim and his team above all are caring, generous and helpful. I have been dealing with a stressful legal issue, and they were able to advise me and help resolve the matter. Thank you

Verified

AY

I spoke with Karim, what a lovely guy. He gave every advice that he can give me even, I really appreciate for his help. I will be dealing with him in the future for sure.

Verified

SH

From the very first interaction with Karim, we knew we were in the hands of someone truly exceptional, patient and utterly focused on the best outcomes for all. His ability to simplify complex legal issues whilst making us feel heard and valued set him apart immediately.

Choose Excellence in Dispute Resolution

Our Mission

Our litigation solicitors have a proven track record of delivering successful outcomes for clients. Go Legal was founded to make exceptional lawyers accessible and solutions affordable.

Our lawyers and mediators have decades of experience and specialise exclusively in commercial litigation. Our lawyers have been described as “the best litigators in the country” & provide solutions to clients in the following areas of law:

Karim Oualnan

Partner and Managing Director

Our Story

Having worked more than a decade in law and fuelled by his passion for access to justice, Karim envisaged a different law firm – one that stood as a symbol of hope, fairness, and an unwavering dedication to justice. By providing legal services through a partnership with Go Legal and Spencer West, Karim has been able to create this vision.

Karim did not have a storybook beginning. His childhood echoed with challenges, where he witnessed his family and friends struggle with legal issues. It made him realise that there are individuals and businesses caught up in the complexities of the UK legal system who need reliable, affordable and technically astute lawyers to get results.

Our lawyers make a promise – we will work hard to achieve the best outcome for you. We are here to help!

Our Values

Our firm’s values ensure that we consistently exceed client expectations. We are:

  • Honest: Our lawyers are trusted by many clients
  • Generous: We are technically astute lawyers with compassion, & a genuine desire to help
  • Dedication: Our lawyers tackle each case with relentless dedication & work tirelessly to achieve a successful outcome
  • Innovative: We have access to technology & strategies not used by other law firms
  • Guardians: Our lawyers will guide you through every legal step, ensuring clarity & understanding at all stages

200+

Lawyers*

95%+

Success

20

Offices*

*through our exclusive partnership with Spencer West LLP

Our lawyers are regulated and members of:

Why instruct Fast ILA?

Trusted Expertise

Our SRA-regulated solicitors are specialists in independent legal advice for personal guarantees, bridging loans, mortgages and more. Clients consistently describe us as “among the best in the country.”

Same-Day Response

Need urgent legal advice? We offer rapid appointments, including evenings and weekends. You can speak to a qualified solicitor within 24–48 hours - sometimes even the same day.

Clear, Fixed Fees

No hidden charges. We offer transparent pricing from just £120 + VAT, with fixed-fee packages accepted by all major lenders. You’ll always know what you’re paying.

100% Remote & Compliant

All services are provided securely online. Our legal advice, ID checks, and document certification are fast, paperless, and fully compliant with UK lending and legal standards.

Regulated & Recognised

Every matter is handled by qualified solicitors regulated by the Solicitors Regulation Authority (SRA). Our advice certificates are accepted by banks, lenders, and law firms across England and Wales.

Client Satisfaction Guarantee

We’re proud to have a 100% 5-star Trustpilot rating. Not satisfied? We’ll offer a 10% discount – no questions asked.

1. Book & Pay Online

2. Upload Documents & Verify ID

3. Get Legal Advice by Video

ILA Appointments Available 📅

Search