Independent legal advice for Santander
Santander UK lends to homebuyers and businesses. If Santander has asked for independent legal advice, for example for an occupier's consent, a family-supported mortgage or a business guarantee, an SRA-regulated solicitor can advise you by video and send the certificate, often the same day.
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- 70+ lenders
- SRA-regulated solicitors
- Video, or in person in London
Live availability
Free 10-minute consultation
ILA from £140 + VAT per person · fee confirmed on the call
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Free consultation · No payment now · All times UK
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We're currently experiencing a high level of demand, so wait times are an estimated 24–48 hours.
Why Santander customers need independent legal advice
Santander is a major residential mortgage lender, so many of the matters we see are about home purchases and remortgages: adults living in the property who must sign an occupier’s consent, family members giving a deposit, and relatives supporting a buyer. We also help directors and guarantors with Santander business lending.
What your solicitor will do
Your solicitor reviews the Santander documents, explains what you’re agreeing to, and makes sure you’re signing freely. If you go ahead, they complete the certificate and send it to the conveyancer, broker or lender.
When you might need independent legal advice
Occupier's consent
Adults living in a mortgaged property who aren't borrowers.
Gifted deposits
Family members giving money towards a purchase, where the lender wants the giver advised.
Family support for a mortgage
Relatives joining a mortgage without becoming owners.
Business guarantees
Directors guaranteeing company borrowing.
Not sure what you're signing? Ask a solicitor free.
Before your appointment
- Ask your broker or conveyancer for Santander's ILA certificate template and any instructions to the advising solicitor
- Have the final versions of the documents you're being asked to sign
- Photo ID (passport or driving licence) and proof of address dated within the last three months
- Check whether Santander accepts advice by video, or needs a face-to-face meeting
- Know your completion or drawdown date, so we can book you in time
How it works
- 1
Book a free consultation
Pick a time above. It takes under a minute.
- 2
Speak to your solicitor
An SRA-regulated solicitor explains the risks in plain English, by video or in person in London.
- 3
Certificate sent to your lender
Your signed ILA certificate and documents are dispatched, usually the same day.
Frequently asked questions
I'm a parent giving a deposit for a Santander mortgage. Do I need advice?
Not always. It depends on the lender's requirements and whether you'll live in the property. If the lender or conveyancer asks for advice, we can help, often the same day.
Do I need to use Santander's own certificate?
If Santander has given you a certificate or form for the solicitor to sign, use it. Send it to us before your appointment so your solicitor can complete it in the right wording.
Does Santander accept independent legal advice by video?
Many lenders now accept video advice, but requirements change and can differ between products. Check Santander's instructions, or ask your broker. If a face-to-face meeting is needed, we can arrange one in London.
Are you connected to Santander?
No. My Online Lawyer is independent of Santander. We connect you with an SRA-regulated solicitor who acts only for you.
My Online Lawyer is not affiliated with, endorsed by or acting for Santander. We use the name only to describe documents our clients have been asked to sign. Always follow your lender’s own instructions, and check its requirements with your broker or the lender if you’re unsure.
Reviewed by Saba Rehman, Solicitor
SRA-regulated · Last reviewed 9 October 2026