
Payday Super: Are You Actually Compliant?
Payday superannuation came into effect on 1 July 2026. Employers must now pay superannuation guarantee (SG) contributions each time they pay wages, and the contribution generally needs to reach the
At Prosper Law, we provide professional and efficient independent legal advice (ILA) and independent solicitor’s certificates for borrowers and guarantors across Australia via secure video conference. Our fixed-fee legal services ensure that you receive the legal advice you need at an affordable price.
Obtaining an independent solicitor’s certificate is often a requirement for financial agreements, loan guarantees, or other legal documents. This certificate confirms that you have received independent legal advice and fully understand the implications of the document you are signing.
Our experienced lawyers are here to guide you through the process, ensuring you receive independent legal advice in accordance with applicable Australian legal and professional requirements.
Independent legal advice is an important legal safeguard for individuals entering into binding agreements. It ensures that you:
Contact Prosper Law today to arrange fast, fixed-fee independent legal advice anywhere in Australia.
Contact us for a free consultation
Our fixed-fee service of $400 plus GST per person ensures affordability and transparency. If your documents require witnessing, we can witness electronic signatures via video conference (where accepted by your lender) for an additional fee of $200 plus GST per person.
If your lender requires wet-ink witnessing or in-person signing, you may need to arrange a local solicitor or JP.
Clients should confirm with their lender or broker whether electronic witnessing and electronic certificates are acceptable.
Our team of skilled lawyers has extensive experience in providing independent legal advice across Australia.
We prioritise urgent matters and can often provide services within 24 hours if required. Let us know your timing needs, and we will work to meet your deadlines.
We offer flexible appointment options, including virtual meetings via video conference, to suit your schedule.
Our solicitors will:
We offer independent solicitor’s certificates for a fixed fee of $400 plus GST per person per certificate. This transparent pricing ensures there are no surprises, allowing you to budget with confidence.
We understand that time is often critical when obtaining an independent solicitor’s certificate. Our team works efficiently to provide you with the advice and documentation you need without unnecessary delays.
Our solicitors will:
We can witness your mortgage documents electronically for an additional fee of $200 plus GST per person, using a verified platform. You will need to confirm with the lender or person requesting the independent solicitors certificate that they will accept electronic signatures.
Meet our legal team that will provide support and advice throughout the legal engagement.
Prosper Law is an Australian online law firm that provides independent legal advice to borrowers and guarantors across Australia. Connect with our team today for fast and affordable independent legal advice. We also provide employment law advice and contract legal services.
Posted on Google![]()
Christine St Ange27 days agoTrustindex verifies that the original source of the review is Google.
Honestly, I wasn't sure what to expect going in — finding a lawyer to conduct a manuscript review who also specialised in Consumer Law felt like a long shot. But that's exactly what Prosper Law delivered. I needed someone to go over the Consumer Law sections of my manuscript, and the lawyer I worked with clearly knew their stuff inside and out. The detail they went into was well beyond what I expected. They didn't just do a surface-level read — they got into the weeds, picked up on things I never would have caught myself, and actually explained their reasoning along the way. That combination of skills is not something you come across easily, and it made a real difference to the quality of the review. If you're on the fence about whether it's worth getting a specialist to look over your work — it is. Really glad I went with Prosper Law and I will recommend them to everyone!Posted on Google![]()
David Peters29 days agoTrustindex verifies that the original source of the review is Google.
The team at Prosper Law were extremely helpful, providing legal advice after I approached the team to conduct a manuscript review of my upcoming book, Pray for the Prey - Inside the Trial of Erin Patterson. The brief was executed as requested, in a timely manner, with clear and concise advice outlining what needed to be reviewed and restructured. The cost of the manuscript review was reasonable, with no surprise fees or unexpected costs on the final invoice. I am very satisfied with the outcome. Thank you.Posted on Google![]()
Verghese Kochummen67 days agoTrustindex verifies that the original source of the review is Google.
Very prompt and attentive to your needs. Was especially useful given the short notice I had to work with.Posted on Google![]()
Shaik Mohamed68 days agoTrustindex verifies that the original source of the review is Google.
Worked with them for an executive employment advice and contract drafting. Received timely and effective solutions. Was a pleasure engaging with them.Posted on Google![]()
Matt Bringolf72 days agoTrustindex verifies that the original source of the review is Google.
Amazing service!Posted on Google![]()
Jon Melloy118 days agoTrustindex verifies that the original source of the review is Google.
Professional, helpful, and clear. They helped me understand exactly where I stood and what my options were.Posted on Google![]()
Anita Weronika124 days agoTrustindex verifies that the original source of the review is Google.
Working with Prosper Law was an excellent experience. The advice provided was comprehensive, practical, and addressed all key aspects of our matter, enabling us to move forward with our project with confidence. We would like to extend our particular thanks to Sharna and Kenzie, whose professionalism, responsiveness, and expertise were outstanding throughout the engagement. Their support was greatly appreciated, and they were a pleasure to work with. We would not hesitate to recommend Prosper Law to organizations seeking high-quality legal advice and support.Posted on Google![]()
Meg & Mick Cau129 days agoTrustindex verifies that the original source of the review is Google.
Professional, efficient, knowledgeable and quick turnaround for my Independent Legal Advice. I would highly recommend the services of Prosper Law.Posted on Google![]()
Mike Karame144 days agoTrustindex verifies that the original source of the review is Google.
I engaged Prosper Law for a manuscript review of my memoir, and the experience exceeded my expectations. From the outset, the team was professional, responsive, and genuinely invested in helping me navigate the legal considerations of publishing a deeply personal story. Their review was thorough, practical, and communicated in a way that was easy to understand, giving me confidence to move forward with my manuscript. What I appreciated most was their balanced approach. Rather than simply identifying potential issues, they provided clear explanations, thoughtful recommendations, and realistic guidance on risk management. The process was efficient, transparent, and handled with a high level of professionalism. For any author seeking a manuscript review before publication, I would highly recommend Prosper Law. Their expertise, attention to detail, and client service made what could have been a stressful process both straightforward and reassuring. Thank you to the entire team for your support and assistance.Posted on Google![]()
Sarah Frings171 days agoTrustindex verifies that the original source of the review is Google.
I’m incredibly grateful to the team at Prosper Law for the support, care, and professionalism they’ve shown me during a very challenging time in my life. Farrah, Allison, and Gene have been compassionate, understanding, and reassuring throughout the entire process. From the very beginning, they made me feel heard and supported, while always communicating with honesty and professionalism. What stands out to me the most is not only their genuine kindness and patience, but also their expert knowledge and guidance throughout every stage. They consistently take the time to explain things clearly and made difficult situations feel far less overwhelming. During stressful times, having people around you who are calm, experienced, and truly invested in helping you makes an enormous difference. I truly appreciate everything they’ve done for me and would highly recommend Prosper Law to anyone looking for a team that combines professionalism, expertise, and genuine care for their clients.Posted on Google![]()
Sage185 days agoTrustindex verifies that the original source of the review is Google.
Great experience with Prosper Law and their team. Very attentive, prompt in communication, and fairly priced. Had some work done and the process was smooth and efficient throughout. Highly recommend.Posted on Google![]()
Prasad Prasad249 days agoTrustindex verifies that the original source of the review is Google.
I was asked by the bank 2 days before settlement to arrange independent legal advice certificate. I found Prosper Law via Google search, looked at their reviews and contacted them at 4pm on a Thursday. I can confidently say they (Steve, Sharna and Farrah) are amazing! The entire team was friendly, incredibly efficient, professional, highly skilled and very helpful throughout the process. They handled everything seamlessly and exceeded my expectations. Even their fees was standard, they did not charge me a urgent rate or took advantage of my situation. I highly recommend them. In future, I’ll happily use their services again. Thank you for such a great experience! Thanks for such a great experience, we achieved a successful outcome and are very pleased that we found you.Posted on Google![]()
chris veneman263 days agoTrustindex verifies that the original source of the review is Google.
Great communication, great price & very organised. Will use again and would recommend.Posted on Google![]()
Aida Rejzovic289 days agoTrustindex verifies that the original source of the review is Google.
I recently had dealings with Prosper Law and I can confidently say they are amazing! The team is incredibly efficient, professional and highly skilled. They handled everything seamlessly and exceeded my expectations. I wouldn’t hesitate to recommend them and I’ll happily use their services again in the future. Thank you for such a great experience!Posted on Google![]()
Jeffrey Santos359 days agoTrustindex verifies that the original source of the review is Google.
I recently obtained my legal advice report for a retail lease through Amy and Sharna from Prosper Law, and I couldn’t be happier with their service. They were both professional, efficient, and very helpful throughout the process. Amy and Sharna took the time to clearly explain everything in detail and ensured I fully understood my obligations under the lease. Their communication was prompt and friendly, making the whole experience smooth and stress-free. I highly recommend Prosper Law, especially Amy and Sharna, for anyone needing legal advice for retail leasing.Load more
Book an initial consultation
Contact us for a free consultation
An independent solicitor’s certificate confirms that you have received independent legal advice about a document you are signing. It protects both you and the other party by ensuring you understand your rights and obligations.
It is often required by banks, lenders, or other parties to ensure that individuals entering into agreements, such as loan guarantees or financial agreements, are fully informed of the risks and consequences.
At Prosper Law, we charge a fixed fee of $400 plus GST per person per certificate. If your lender also requires documents to be witnessed by a qualified lawyer, we can do this for you electronically for an additional fee of $200 plus GST per person.
The process is typically quick and can often be completed within the same day, depending on the complexity of the document and your availability for a consultation.
Yes! We offer virtual consultations via video call for your convenience. Unfortunately, we are not able to offer face-to-face services and will ask you to confirm with the lender that electronic signatures are accepted.
Without this certificate, certain agreements may not be enforceable, or the other party may refuse to proceed with the transaction. It is also a safeguard to protect your interests.

Payday superannuation came into effect on 1 July 2026. Employers must now pay superannuation guarantee (SG) contributions each time they pay wages, and the contribution generally needs to reach the
Plenty of Australian businesses rely on contractors. It is a flexible way to bring in skills, cover busy periods or grow without taking on permanent staff. The problem is that
AI tools such as ChatGPT, Claude and CoPilot are becoming part of everyday business. Most businesses use AI help draft emails, summarise documents, generate ideas and explain complicated information in