Why you might need a solicitor's certificate
You wish to be a guarantor of a loan
Some guarantors have been able to avoid their obligations under a guarantee by, for example, claiming that they did not know what they were signing, or that they were forced to sign a guarantee. As a result, many lenders now require guarantors to obtain independent legal advice before accepting their guarantee.
You are borrowing funds that are payable on your death
Some lenders now offer loans to senior citizens which are only repayable in limited circumstances such as upon the death of the borrower. Such lenders usually require the borrower to obtain independent legal advice prior to advancing the funds.