Protecting Your Future While You Help Your Family

Independent legal advice for parents and guarantors. We ensure you fully understand the risks before using your home as security.

More Than Just a Signature

We take the 'Bank of Mum and Dad' seriously. This is not a box-ticking exercise—it is a critical legal safeguard.

Lawyer reviewing loan guarantee documents

Understanding Your Liability

While helping children buy a home or supporting a spouse's business is noble, the financial risks are real. We review your loan documents to identify 'all monies' clauses and guarantee terms that could put your own home and retirement at risk.

Learn About Our Process

Meeting room for legal advice in Melbourne

Strict Legal Compliance

Under Rule 11 of the Legal Profession Uniform Law Australian Solicitors’ Conduct Rules 2015, independent advice cannot be rushed or done remotely. We conduct the mandatory face-to-face identity verification and provide the specific Law Institute of Victoria certificates (Certificate 1 or 2) required by your lender.

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Why Choose Us for Your Certificate?

Professional advice delivered with speed, clarity, and empathy.

Plain English Advice

We cut through the banking jargon to explain exactly what obligations you are accepting regarding your property and assets.

Fast Turnaround

Finance dates are tight. We offer standard 48-hour service ($880) or urgent same-day appointments ($1,320) at our Melbourne CBD office.

Lender Accepted

Our certificates are fully compliant with Victorian Solicitors Rules and accepted by all major banks and second-tier lenders.

Common Questions for Guarantors

Lenders specifically require an 'Independent Solicitor's Certificate.' A Justice of the Peace cannot provide the required legal advice regarding the financial risks and obligations you are undertaking. We have experience in this area to ensure the certificate is valid.

No. Under Victorian Legal Profession Rules (Rule 11), we are strictly required to verify your identity and witness your signature face-to-face. Remote witnessing for loan guarantees is not compliant in Victoria.

This is the most critical risk we discuss. If the borrower (e.g., your child or business) cannot pay, the bank can pursue you for the debt and may have the power to sell your home to recover funds. We ensure you understand these implications before signing.

We offer fixed pricing for transparency. Our standard service (2 business day turnaround) is $880. If you require an urgent same-day turnaround, the fee is $1,320. This includes the review of documents, written advice, and the face-to-face consultation.

Secure Your Family's Future the Right Way

Don't sign until you truly understand. Book your consultation with Sutton Laurence King Lawyers today.