Personal Guarantee Advice

What does it mean to be a guarantor?

Acting as a guarantor means that you are committing to repay someone else’s debt if they are unable to meet the repayments. You could act as guarantor with respect to the obligations of a family member, business partner or a company where you are a director.

Acting as a guarantor involves significant personal risk as this means that your personal assets (e.g. home) could be used to recover the debt if the guarantee is called upon.

What We Offer

Do I need Personal Guarantee Advice?

Banks, financial institutions and other third parties frequently require you to obtain independent legal advice in relation to personal guarantees before they will approve a loan to you.

It is often a condition of the loan that you need to provide a signed Solicitor’s Certificate of Independent Legal Advice before they will finalise the loan and release the funds to you.

Google Rating

4.9

Based on 33 reviews

Her Lawyer

4.9

Aliza Carr

Incredible law firm with a focus on helping women in business. Incredibly dedicated, kind and a very personal and "human" approach.

Tamara Reid

Courtney and the team at HerLawyer are a dream to work with. From the professionalism they show, to the efficiency of turnaround times to the compassion of taking calls with screaming newborns in the background there is no one else I would rather employ legal services for.

Stefanie Valakas

Her Lawyer is my go-to for anything legal when it comes to my online nutrition business. It is so convenient with their workflow which means no long meetings in a physical office, communication is prompt, work is delivered on time, and the team is responsive to questions. As a digital business owner, they are up to date with my unique business requirements and help me identify any areas where I could be at risk too, to protect my business. Couldn't recommend the Her Lawyer team enough, thank you!

Labyrinth Escape Rooms

Courtney is so easy to work with and explains everything to me in plain English. She keeps me up to date with everything I need to know and is extremely knowledgeable. Her and her teams response time was always within 24hours if not sooner and I always felt like a valued client. Courtney helped me with both commercial contracts and mediation and I never worried about getting the outcome I needed. I will definitely be contacting Her Lawyer again in the future.

Melina Georgousakis

I have had the privilege of using Courtney and her team at Her Lawyer for the legal needs for my social enterprise. As it is a small business with a unique aim, I needed someone who could take the time to understand my needs and talk me through any legal requirements to make sure they were right for what we wanted to achieve. This kind of personalised support is invaluable.

stefanie reilly

Courtney and the team at Her Lawyer created my client agreement and provided legal advice on a number of matters. They are friendly, knowledgeable and take the time to explain. Highly recommend!

Alissa Childs

Courtney is pioneering the legal market for women in business! We are so fortunate to have met her through business and we love everything she stands for. We highly recommend Courtney and recommend her to all of our female contacts in business.

Shilpa Madiwale

Courtney and her team are the most fantastic lawyers I have worked with. The team is professional, responsive and incredibly quick with getting the job done. Courtney takes the time to get to know you and helps you feel confident in all matters business including preparing consent forms, confidentiality agreements, and lease reviews. I cannot recommend Her Lawyer, Courtney and her team more. You won't be disappointed with Her Lawyer on your team!

Kristy Cleland

The Her Lawyer team were incredible. Legal terms and conditions were an intimidating part of building my business and something I had no prior experience or knowledge with. Courtney made the process incredibly easy to understand and helped clarify every question I had. Not only was the product perfect for my business but I learnt throughout the process. It was flawless from start to finish. Their turn over time was amazing too, they delivered two weeks earlier then the estimated finish time. Will work with them again in the future!

Emma Pescott

Absolutely loved working with Courtney. During our initial call, Courtney look the time to really listen and understand what I was needing for my business and provided a simple and effective solution. Within days my project (licensing agreement) was complete so I was thrilled with the quick turn around time. High recommend.

Cassandra Corderoy

I engaged Courtney & her team for an update of my client engagement contract. Courtney was very open, understanding and caring. Their knowledge was very helpful ensuring it was an easy and smooth process. Very quick turnaround as well. Highly recommend and would definitely use again.

Kirsty Rayner

I have engaged Her Lawyer on two separate occasions now and I couldn't be happier with their professionalism, service offerings , knowledge and high level of experience. I have really enjoyed working with both Courtney and Adrian and can confidently recommend their business. Thank you Her Lawyer!

Lilac Zhang

Courtney is everything you want in a commercial lawyer for small businesses. She is professional, friendly and has this magical ability to be able to explain crazy legal words in the plain English language that I could actually understand. Kudos to Courtney and her team to support us female business owners!

Lital Green

I initially enlisted the services of Her Lawyer to update my business terms. They were such a pleasure to work and they really simplified any legal jargon and questions I had. Sine then I have solely used Her Lawyer for all my business legal requirements such as employment contracts and commercial lease agreements. I also find that they have great back-end processes in place that keep me updated on the progress of the items they are working on. Their processes are also set up to proactively chase me up for any items they require which is a great system as it ensures that nothing is stalled.

Andrea Schloetzer

From our very first interaction with Her Lawyer, via Courtney Bowie, we knew that we'd found the perfect support. Courtney has a knack for making the process easy and therefore seamless. Working via projects enabled us to feel in control of each process. Courtney's approach keeps the process simple, she's cloud based, available and so very very user friendly! Her Lawyer's pricing structure is very affordable for the great level of service provided and their invoice structure allows for easy payment. Her Lawyer treats you like a real, bona fide person and beyond the recent sale of our business, we'll always use them!

Josephine Ison

Courtney at Her Lawyer was personally recommended to me by another small business owner to assist in preparing urgent legal documentation. I was very grateful for her support as Courtney was efficient and professional, as well as very considerate & informative. I wouldn't hesitate in reaching out to Courtney and her team again to assist my business with our future requirements, and do gladly recommend Hey Lawyer to anyone seeking exceptional legal support.Josephine Ison - Director at Event Entertainers.

Heidi Eiser

Courtney has been invaluable to me and my graphic design business. She took the time to understand my services, my clientele, my purpose for starting my business and my goals for the future. I feel very confident going forward in my business with my client agreement, terms of use and privacy policy prepared by such a professional. She was very patient with my many questions and I feel confident we now have a solid relationship for me to lean on as my business expands and grows. I couldn't recommend Her Lawyer highly enough.

Nicky McMillan

I stumbled across Courtney and Her Lawyer through Business Chicks and boy am I glad I did! Courtney had my legal needs for the business sorted in no time. I knew I was in good hands immediately and Courtney's professionalism made the process effortless and was an absolute pleasure to work with. I couldn't recommend using Her Lawyer highly enough.

Michael Johnson

Courtney went above and beyond for Bolt Bikes. We asked her to review our bike rental agreement to ensure it was compliant with Australian consumer law. Courtney was able to do this AND support a more holistic review of our induction process to ensure it worked withe the new agreement. I definitely feel like I got value for money and exactly what I wanted. It was also a pleasure to work with Courtney. We'll be doing more business with her in the future

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Facebook Rating

5.0

Based on 26 reviews

Her Lawyer

5.0

Emma Frazer

Courtney and her team are perfect for the current stage of my business. Efficient, cost effective, and able to explain my risk exposures in simple, business-like terms. Highly recommend

Sue Ly

Courtney was sensational! Very professional, caring and helped me through the whole process. We highly recommend her. Fantastic work, just 110% amazing! Thank you Courtney!

Emma Drynan

It was such a pleasure working with Courtney and her team. They were incredibly efficient, considered all aspects of our product and drafted our legals in a way that not only sets the 'ground rules' for use but in a way that was fun and considered the audience. For a lawyer to capture our brand is something I've never seen before. Writing to the audience is such a skill especially when it comes to the law. THANK-YOU!💟😍

Uyen Maxwell

Courtney has been absolutely amazing to work with. She is so approachable, extremely efficient and responsive to all my questions and her level of communication was exceptional. She completed the task in a timely manner and I would highly recommend Her Lawyer to anyone that requires legal assistance. I look forward to partnering with her again in the future.

Beatriz Diaz

Courtney has been absolutely amazing, she took on an assignment with no notice at all, was very thorough, recommended different approaches and in the end the outcome couldn't have been better. I highly recommend Courtney and her team.

Rachel Mascord

The team ate Her Lawyer ensured that a very difficult contract was handled smoothly, efficiently and above all fairly to all concerned. Courtney Bowie is as steady as rock, even under considerable pressure. She is also responsive and highly communicative. I recommend her to everyone.

Sarah Coburn

Courtney and her team are amazing. Extremely helpful and lovely to work with. They answered all my annoying questions and emails and were great with responding quickly. I'm happy I have found my new lawyer 🙂

Joanna Wyszynski

Courtney and her team are absolutely amazing! From start to finish.They went above and beyond for us. We really could not have done or be where we are now without her support. Highly recommend Courtney and her team 1000% times. Ps thank you for the beautiful flowers. Our first day in our new clinic was a success 🙌

Heids Eiser

Nica Moreau

I loved working with Courtney. She gave me clear time-frames and met them all as promised. She also provided fixed fees which was much appreciated. Would definitely recommend Courtney.

Nicky Deitz-McMillan

Christina Louise

I approached Courtney to write my Terms of Business for my freelance graphic design biz. Having never worked with a lawyer before I was feeling a little overwhelmed, but I'm so glad to have found Courtney! Her process was smooth, stress free and most of all she was so patient in explaining legal terms and clauses that I knew little about. Courtney has offered me support and guidance since writing up my terms, and I highly recommend her to new businesses! I look forward to partnering with her again in the future!

Aida Adele Maximos

Courtney of Her Lawyer is savvy, professional and just so amazingly easy to work with! My initial experience with her as well as ongoing, to review and refine my professional documents has been outstanding. Best of all I feel she has my back no matter how small an issue I need to discuss may be, she treats it with the same level of care as those much bigger issues. Couldn't recommend her more highly.

Stephanie Kelly

As a new small business owner, Courtney provided valuable information, knowledge and insight into a number of legalities and relevant T's & C's for my company. She was kind, open, honest and thorough in her approach. Unlike many lawyers I have known in the past, Courtney took the time to get to know me and my business, and take a genuine interest in how she could be of assistance. Thank you so much.

Michael Deia

Anne-Marie Howarth

I never thought I would find a good lawyer for my business - one that charges fixed rates, is reasonably priced, responsive, does excellent work and is lovely besides. But that is just what Courtney is about. We walked through all aspects of my business, identified areas of risk, prioritised them and she quoted against each one. We have a plan to work through the list as cash flow allows. So far we've checked off a couple of items, and I'm extremely impressed by the quality work and the ease of working with Courtney. She does what she says she will, when she says she will. She's been brilliant, I can't recommend her highly enough.

Dominique Sanday

Courtney was so helpful. She took the time to understand my business which I know most people don't bother as they want to just get paid. It was nice to talk to someone that understood what I needed help with and most of all she made it all make sense.

Elyssa Westling

From my first phone call with Courtney I knew that I would work great with her. Courtney was recommended to me, and I definitely wasn't disappointed. She made me feel as if I could ask any questions no matter how silly I though it was and Courtney was always patient and she definitely made the process easy. I can't recommend Courtney from Her Lawyer enough. Thank again

Cally Hlt

I have absolutely loved working with Courtney at Her Lawyer. She has been invaluable in helping us with several diverse legal matters and she has remained patient, flexible and efficient throughout the entire process. Her advice has always been on point and she truly goes above and beyond. Courtney is a pleasure to work with and I would recommend her to anyone who requires legal assistance. I will definitely work with her again!

Emma Schneider

Loved working with Courtney. She was able to speak on the same level as me, and help me through my contract. She picked up things I hadn't thought of and made the whole process so much easier than I thought possible. Don't hesitate to use Her Lawyer, she is amazing.

Kiri Yanchenko

I am also really glad I found Courtney at Her Lawyer. She was really helpful, made sure she covered all bases and delivered my paperwork right on time. I highly recommend Her Lawyer. I will be back!

Karla Koala

I have had the pleasure of working Courtney who is, quite frankly, a breath of fresh air. She has helped me with some complex contracts for my business and was able to translate these in a way that I understood and felt comfortable with.
The thing I like most about Courtney, is that like me, she is a small business owner who understands the challenges of running a small business.
I absolutely recommend Her Lawyer!

Anthony Lorkin

Kristy Booth-Lark

Fantastic service. Super friendly, very approachable and I will definitely be coming back for any future contract needs.

Sita Jenny Finnendahl

I was under pressure when I had to find a lawyer. Courtney contacted me immediately. I only started my conversation with Courtney over the phone and had the instincts that I was secure and that I can trust her. She really took care of my business and understood immediately how my NDA should be written different than the free ones in the internet. Well done, Courtney! Thanks again! We have just started...;-)...Need you pretty sure soon again!

Jennifer Crawford

I contacted Her Lawyer to review some Terms and Conditions for a group that I will be running. This group has a significant number of professionals in it that are concerned about covering themselves from a legal standpoint. This meant that I wanted to get it right. Courtney provided swift comments and advice that have meant that I am now confident that all the interests of the stakeholders in my group have been covered. I would strongly recommend Her Lawyer.

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Frequently Asked Questions

What is Personal Guarantee Advice?

Personal Guarantee Advice is where a lawyer provides independent legal advice to you about a personal guarantee and your obligations under that guarantee. There are a number of steps involved.

First, the lawyer will need to review the guarantee documents as well as any loan documents that go with it. Next, you will need to provide 100 points of ID to confirm that the person named in the documents is you.

After that, you will have a meeting with the lawyer to discuss the personal guarantee and the risks involved in providing the guarantee. The final step is to sign the Solicitor’s Certificate of Independent Legal Advice, which you then need to return to the lender to prove that you have obtained legal advice.

How do I know if this is right for me?

Every situation is different, which is why you need expert advice from a commercial lawyer. We’re small business specialists, so you know you’re in safe hands with us.

We’ll consider your unique situation and let you know if we think this is right for your business.

Where is Her Lawyer based?

Our head office is at Inspire Cowork – a coworking space in Sydney – but we also support flexible work for our team. Our lawyers can work from anywhere.

We use technology to come to you, wherever you’re located around Australia. Many of our clients work from home or at coworking spaces, just like us.

How do I provide instructions to my lawyer?

We communicate with our clients via phone, email and Zoom – whatever works best for you. There’s no need to meet face to face, but if you’re ever in the area you’re welcome to drop in!

What does it mean to be a guarantor?

What We Offer

Do I need Personal Guarantee Advice?

Frequently Asked Questions

Take a look at how we work

Schedule your
free Discovery Call

Talk to us

Review our Proposal

Accept Online

Clients Love Working With Her Lawyer

Trusted by Businesses Australia-Wide

Ready to take the first step?

Get in touch with us to talk about your business.

Contact Us

Share This

Personal Guarantee Advice

What does it mean to be a guarantor?

What We Offer​

Do I need Personal Guarantee Advice?

Frequently Asked Questions

Take a look at how we work

Schedule your free Discovery Call

Talk to us

Review our Proposal

Accept Online

Clients Love Working With Her Lawyer

Trusted by Businesses Australia-Wide

Ready to take the first step?

Get in touch with us to talk about your business.

Contact Us

Privacy Overview

Share This

What We Offer

Schedule your
free Discovery Call