Same-day appointments available — book before 12pm AEST
i ILA Online
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New Same-day ILA appointments now available nationwide

Independent legal advice for your mortgage — in 24 hours.

Required by your bank? Get your independent legal advice certificate from an admitted Australian solicitor without the back-and-forth. Fixed $550 fee. No travel. No surprises.

  • 24-hour turnaround
  • Fixed $550 fee, GST inc.
  • Accepted by every major bank
  • 100% online, video meeting
Trusted by Australian borrowers & brokers
★★★★★ 4.9 average rating
Certificates accepted by
CommBank Westpac NAB ANZ Macquarie ING Bankwest Suncorp BOQ
How it works

From booking to certificate in three steps.

No travel, no chasing paperwork, no surprise charges. The whole thing is online and most clients are done before tomorrow.

1

Book online

Pick a time that suits — including evenings and weekends. Upload your loan documents through our secure portal.

≈ 2 minutes
2

Meet by video

Speak with an admitted Australian solicitor who has reviewed your file. They explain the legal effect, risks and obligations.

30–45 minutes
3

Get certified

Your signed ILA certificate is delivered to you and your broker the same day, ready for settlement.

Same day
Why ILA Online

Built for settlement deadlines.

Speed
24h

Standard turnaround.

Book today, certificate tomorrow. No urgency surcharge, no premium tier — fast is the default.

Pricing
$550

Fixed fee.

GST inclusive. No hourly billing.

Reach
8/8

States & territories.

Admitted solicitors nationwide.

Coverage

Every major lender.

Plus credit unions, mutuals and non-bank lenders.

CommBank Westpac NAB ANZ +18 more
Process

Fully online.

Secure document upload, video meeting, electronic certificate. No commute.

How we compare

Why brokers recommend us.

ILA Online
Typical solicitor
Turnaround
✓ 24 hours
— 5–10 days
Fee structure
✓ Fixed $550
— Hourly + admin
Travel required
✓ None — fully video
— In-office meeting
Available after-hours
✓ Evenings & weekends
— Business hours only
Certificate delivery
✓ Same day, direct to broker
— 2–5 day post
Reviews

What clients are saying.

★★★★★

I specialise in SMSF purchases and send all my clients here for independent legal advice. It's usually done same day — settlement has never been at risk.

NO Nick O. · Mortgage broker, NSW
★★★★★

My client was purchasing interstate with a tight settlement deadline. Booked online in the morning, ILA certificate back before COB. Made a genuinely stressful situation seamless.

BC Ben C. · Buyer's agent, NSW
★★★★★

I was able to get the required advice over Zoom after hours. The ILA certificate was back with the bank within two days. Couldn't have been easier.

CE Carl E. · Home buyer, NSW
Pricing

One fee. Everything in.

No hourly billing, no admin fees, no surcharge for urgent or after-hours appointments. The price you see is the price you pay.

Standard ILA appointment
$550
Inc. GST
Pre-meeting document review
✓ Included
30–45 min video consultation
✓ Included
Signed ILA certificate
✓ Included
Witnessed loan / guarantee documents
✓ Included
Direct delivery to broker / lender
✓ Included
Follow-up support until settlement
✓ Included
FAQ

Common questions.

What is an ILA certificate?
An ILA (independent legal advice) certificate is a signed document confirming you've received independent advice from a solicitor on a mortgage or guarantee before signing it. Most Australian banks require it before they release loan funds, especially when family members are guaranteeing the loan. For the full picture, read our guide to the independent legal advice certificate in Australia.
Can independent legal advice be done online?
Most often, yes. Each bank has their own requirements, but usually we can provide the advice and sign the certificate over Zoom or Teams. You join the video call from home, the solicitor explains the documents, and the signed certificate is sent to you and your broker the same day.
How much does an ILA certificate cost?
We charge a fixed fee of $550 including GST. That covers the document review, your video appointment, the signed certificate and delivery to your broker or lender — no hourly billing, no admin fees and no surcharge for urgent or after-hours appointments. See how ILA costs compare across Australia.
What documents do I need?
Your loan offer or letter of variation, the mortgage or guarantee document to sign, and a current photo ID. Your broker can usually email everything in a single PDF. Here's the full checklist of what to bring to your ILA appointment.
How quickly can I get an appointment?
Standard appointments are within 24 hours, including evenings and weekends. The signed certificate is issued the same day as your meeting, so most clients are done well before settlement.
Can I get same-day advice?
Usually, yes. Same-day appointments are generally available if you book before 12pm AEST and your loan documents are ready to upload. There's no urgency surcharge — same-day is the same fixed $550 fee. Read more on when same-day ILA is possible.
Can my own solicitor provide the advice?
Sometimes, but usually not if they're already acting on the same transaction — the advice has to be genuinely independent. If your solicitor isn't involved in the loan or the property purchase, they may be able to sign the certificate. We explain the rules in can my own solicitor provide ILA?
Do all banks accept your certificate?
Yes — every major Australian lender, plus credit unions, mutuals and non-bank lenders. If your bank has a specific template they prefer, we can use it.
Is this conveyancing?
No. Conveyancing covers the property transfer; ILA is a separate step focused only on your loan or guarantee documents. We work alongside your conveyancer.

Settlement is on the line. Don't wait.

Book your appointment now and have your certificate by tomorrow. Same-day slots available before midday AEST.

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