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Certificates of Independent Advice

Certificates of Independent Advice

We will give you advice you require in relation to your loan and security documents.

Some financial institutions require borrowers or guarantors to obtain independent legal advice as a condition of their loans. These are commonly required where:

  • parents are guaranteeing their child’s home loan;
  • a person is guaranteeing a loan for the purchase of a property through their Self-Managed Superannuation Fund (SMSF);
  • a person is guaranteeing a loan to a family trust;
  • a borrower is contributing less than 20% of the property value; or
  • a person is guaranteeing the debt of their spouse or other family member.
our services

How we can help you

We will give you advice you require in relation to your loan and security documents.

Certificates of Independent Advice

$990 inc GST

We will:

  • review the documents the lender has sent to you (you must give us all of these documents, including the brochures, at least 2 business days before the conference);
  • meet with you in person at our office and advise you in relation to the documents; and
  • provided everything is in order, sign the certificate.

In most cases, we are only able to advise one borrower or one guarantor in relation to a transaction.

Please note:

  • This service is not available by telephone or video conference.
  • This service is not available for advice on complex commercial loans, for people who require an interpreter, or for transactions which involve borrowings over $2 million.
  • Our fixed fee for this service is for one borrower or guarantor for a straightforward loan or guarantee. Additional charges will apply for more complex documents or transactions or if we are acting for multiple parties (where we consider it appropriate to do so). Upon receiving the documents, we will confirm that our fixed fee applies, or inform you of any additional charges.
  • If you require an urgent appointment (and if we can accommodate it), a surcharge may apply.

FAQs

Why choose us

Our experienced lawyers provide great service at competitive prices.
01.

Benefit from our experience

We’re a law firm with more than 35 years’ experience in litigation and dispute resolution. From straightforward debt collection to Supreme Court trials, these are core services of our firm.

02.

Excellent value for money

We price our services fairly and transparently. We advertise fixed prices for standard services. Otherwise, we will analyse your requirements before issuing a written quote.

03.

100s of happy clients

Our goal is to anticipate your needs and exceed your expectations. We offer friendly and efficient service. Read what our clients say.

Meet our team

We’re a tight-knit, multi-disciplinary team of lawyers, legal executives, accountants and software developers. We’re also passionate community leaders, sportspeople, podcasters, musicians, parents… and proud that these interests inform our professional lives.
Legal Practitioner Director
Michael is an experienced succession and property lawyer and has served the Western Australian community as a legal practitioner for over 27 years at Curae Law.  Michael has represented clients, both in and out of court, in matters spanning……
Legal Practitioner Director
Nigel leads the firm’s litigation and dispute resolution team and has experience in a wide variety of litigation matters including deceased estate litigation, family provision claims, contractual and construction disputes, trust and property matters. Nigel has an instinctive ability……
Legal Practitioner Director
Lucy leads our non-contentious Wills and estates team to provide easy to understand succession and estate administration advice. As well as practising law, she brings together people, technology and processes to design and deliver our innovative legal services. Lucy,……
Associate
Angus joined the team in 2018 as part of the firm’s law cadetship program while studying his juris doctor. He subsequently graduated from UWA with a juris doctor in 2021 and was admitted as a lawyer in April 2022…….
Paralegal
Angele Smith is a collaborative and task-oriented Paralegal who thrives in team settings and is known for her methodical and hands-on approach. Known for her adaptability and dedication, she ensures the seamless handling of cases while fostering a supportive……
Lawyer
Bea joined Curae Law in 2023 as part of the firm’s law cadetship program. Having previously spent time in commercial law, family law, and at community legal centres, she is equipped with a diverse skill set, enabling her to……

Testimonials

What our clients say

Flat rate settlements have just helped us with the purchase of a property. They did an excellent job with the settlement. Laura Gaunt was easy to work with – friendly, professional, happy to explain things when I had questions, kept me up to date with everything and provided a quality service as the settlement agent. I thoroughly recommend Flat Rate Settlements to all who are considering using them.
Mr G
February 11, 2025
Your service has always been above expectations. It is always valued by me and appreciated.
Mr A
February 11, 2025
I’m very happy with the service and advice offered by Michael Hodgkins.
Charlie
February 7, 2025
I could not be happier with the service from Flat Rate Settlements. They were on the job straight away, nothing was of any trouble, and always in contact. I cannot recommend this firm highly enough, would certainly use again (have already used them twice).
Mrs Horvath
January 9, 2025
Great initial video consultation with Nigel and team. Very professional as expected with helpful advice and direction. Looking forward to further working with the team and highly recommend.
December 10, 2024
I just wanted to thank you for all your help during this really difficult time in my life. Reflecting upon the intent and actions of my sister I have a deep suspicion that if it hadn’t been for your advice (to notify the bank of my mothers death) and help, I would have never seen anything from my mother estate. Once again, thank you for all your help.  
Mr T - Deceased Estate Client
January 7, 2025

Make an appointment

Arrange a consultation with one of our friendly and experienced team members.

Let us contact you

We will respond to your online enquiry within two business days.

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