Independent Legal Advice
We provide independent legal advice in relation to personal and business transactions where legal rights, obligations, and risk need to be clearly understood before documents are signed.
We assist clients who are asked to sign guarantees, loan documents, security documents, and other legally significant agreements. We explain the documents in plain language, advise on the legal effect of what you are signing, and help ensure you understand the risks and consequences before you commit.
Our Services
Get the legal guidance you need delivered with understanding and respect.
Business and Commercial Guarantees
Clear, impartial legal advice to help you understand your rights, obligations, and risks before entering important agreements.
Loan and Security Documents
Advice on personal or corporate guarantees, ensuring you fully understand the financial and legal responsibilities involved.
SMSF-Related Loan Guarantees
Review and explanation of loan agreements, mortgages, and security documents so you can proceed with confidence.
Business and Commercial Guarantees
Independent Legal Advice for Loan and Security Documents
Independent Legal Advice for SMSF-Related Loan Guarantees
Independent Legal Advice Certificates
Important Note About SMSF Matters
SMSF arrangements can involve both legal issues and financial product advice issues. ASIC has published specific guidance for advisers giving advice about SMSFs, and the ATO publishes strict rules about SMSF borrowing arrangements.
For that reason, our role is to provide independent legal advice on the legal documentation, guarantees, obligations, and risks. Financial advice should be obtained from a properly licensed financial adviser where needed. ASIC states that financial product advice requires the appropriate licensing or authorisation.
Interested? Let's Talk
Book a consultation with Cajes Law to discuss your independent legal advice matter.
Hundreds of Stories Changed for the Better
Over 50 clients have trusted us to handle their family & divorce matters with care and integrity.
Avery Hollow
“They turned an overwhelming situation into a process we could actually handle, with clarity.”
Justin Bravo
“Efficient, professional, and genuinely easy to work with throughout.”
Candice Brie
“A supportive team that delivered excellent results for our family.”
Avery Hollow
“They turned an overwhelming situation into a process we could actually handle, with clarity.”
Justin Bravo
“Efficient, professional, and genuinely easy to work with throughout.”
Candice Brie
“A supportive team that delivered excellent results for our family.”
Frequently Asked Questions
We’ve gathered answers to the questions clients ask most, so you can feel informed, prepared, and confident as you take the next step.
Independent legal advice means legal advice given by a lawyer who explains the legal effect of the documents, the rights and obligations involved, and the risks of signing. It is commonly required for guarantees, loan documents, and other significant transactions.
Lenders often require it where a person is taking on serious legal obligations, such as guaranteeing another person’s debt or signing security documents. It helps confirm that the person understands what they are signing and the potential consequences.
A guarantor promises to repay the borrower’s debt if the borrower cannot. ASIC’s Moneysmart explains that going guarantor can put your own money and assets at risk.
Yes, we can provide independent legal advice on the legal documents and legal consequences of signing a guarantee or related documents connected with an SMSF loan. SMSF borrowing is restricted and must comply with the legal rules governing LRBAs and other limited exceptions.
No, not unless separately licensed or authorised. Our role is legal advice. ASIC states that giving financial product advice generally requires an AFS licence or authorisation.
Send us a message
Have a question or need assistance? Send us a message and we’ll respond promptly.