Independent legal advice for HSBC
HSBC UK lends to homeowners and businesses. If HSBC has asked you to take independent legal advice before signing a guarantee, a legal charge, an occupier's consent or a joint mortgage, an SRA-regulated solicitor can advise you by video and send the certificate to HSBC, 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 HSBC customers need independent legal advice
Most of the HSBC matters we see fall into two groups. Business customers: directors and shareholders guaranteeing company facilities, sometimes with a charge over a home. Mortgage customers: family members supporting a purchase, and adults who live in a property and must sign an occupier’s consent form.
HSBC also lends to customers with international connections, so we often help clients who are overseas or who have family abroad. Advice can usually be given by video, and we can explain any extra steps if documents need to be signed or certified abroad.
What your solicitor will do
Your solicitor reviews the HSBC documents, explains them privately, and checks the decision is yours. If you go ahead, they complete HSBC’s certificate and arrange signing.
When you might need independent legal advice
Director and shareholder guarantees
Guarantees for company overdrafts, loans and other facilities.
Charges over a home
A director or family member securing business borrowing on their own property.
Occupier's consent
Adults living in a mortgaged property who aren't borrowers.
Clients overseas
Advice by video, with guidance on signing and witnessing abroad.
Not sure what you're signing? Ask a solicitor free.
Before your appointment
- Ask your broker or conveyancer for HSBC'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 HSBC 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 live abroad. Can I still get advice for HSBC documents?
Usually, yes. Advice can often be given by video. Some documents may need to be witnessed, notarised or sent as originals, and your solicitor will explain what's needed.
Do I need to use HSBC's own certificate?
If HSBC 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 HSBC accept independent legal advice by video?
Many lenders now accept video advice, but requirements change and can differ between products. Check HSBC's instructions, or ask your broker. If a face-to-face meeting is needed, we can arrange one in London.
Are you connected to HSBC?
No. My Online Lawyer is independent of HSBC. 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 HSBC. 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