Deed of Subordination

What Is a Deed of Subordination and Why Is ILA Required?

A Deed of Subordination is a legally binding document that establishes the order of repayment between different lenders or creditors.
It doesn’t just mean that the primary lender’s charge is ranked first—it means that the primary lender must be repaid in full before the subordinated lender receives anything. If the property is sold or the borrower defaults, the subordinated lender only gets repaid if there are remaining funds after the first lender has been fully repaid.

Lenders require these agreements to eliminate any uncertainty and to prevent potential legal disputes in the future. However, legal precedents have shown that courts have sometimes questioned whether individuals signing such agreements fully understood what they were agreeing to.
To avoid any doubt and ensure that the Deed is fully enforceable, lenders require Independent Legal Advice as a precautionary measure. This allows them to demonstrate that they have satisfied any duty of care they may owe, by ensuring that the individual signing the Deed has received clear, independent legal advice before committing to it.

How to Get Your ILA Quickly and Easily

Step 1: Book Your Appointment:

Click above to schedule a Zoom meeting with one of our panel solicitors at a time that suits you.

Step 2: Receive Your Client Portal Invitation & Upload Documents
Once you’ve booked, you’ll automatically receive access to our secure client portal, where you (or the subordinated lender, if you are booking on their behalf) can upload:

📄 Deed of Subordination
📄 Mortgage or Loan Agreements
📄 Proof of ID

Important: When booking, please provide the contact details of the person requiring the ILA (the subordinated lender) so they receive their client portal access and can upload their documents in advance.

Step 3: Attend Your Zoom Meeting

During the call, the solicitor will:

✔ Review the Deed of Subordination
✔ Explain the legal implications
✔ Confirm your understanding and answer questions
✔ Sign the ILA Solicitor Certificate

Step 4: Receive Your ILA Confirmation
The signed ILA confirmation is either emailed to you or sent via Special Delivery if required by the lender.

Why Choose ILA-Connect?

We understand that you’re not actively seeking legal advice—you’re simply trying to satisfy the lender’s condition quickly and affordably. That’s why we offer:

✅ Lowest Fees Available – Our panel solicitors provide some of the most competitive rates in the market.
✅ Fast, Hassle-Free Appointments – Book a 15-minute Zoom call at a time that suits you.
✅ No Hidden Costs – Clear, fixed pricing with no unexpected fees.
✅ Same-Day or Next-Day Availability – Get your ILA done without unnecessary delays.
✅ Specialist ILA Solicitors – Our solicitors are highly experienced in Deed of Subordination cases.
✅ All Done Remotely – No need to visit a solicitor in person.

Have More Questions?

Fortunately with ILA-Connect, we’ve made it quick, easy and convenient for you to receive ILA at a moment’s notice. Simply Book Now or get in touch with us using the information below, and we’ll get straight back to you!