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 ILA 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.
How quickly can I get my certificate?
Standard appointments are within 24 hours. Same-day appointments are usually available if you book before 12pm AEST. The signed certificate is issued the same day as your meeting.
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.
Can the meeting be done over video?
Yes. Every Australian state and territory permits ILA over secure video link. The certificate has the same legal effect as one signed in person.
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.
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.

Book my appointment →

Or reach us direct

  • hello@ilaonline.com.au
  • Mon–Fri 8am–8pm AEST
  • Sat–Sun 9am–5pm AEST
  • Reply within the hour, business days