If you require legal advice on your loan or mortgage documents we can assist. Our lawyers can prepare and provide legal advice on mortgage and loan documentation for many variety of uses. We can also provide assist with commercial equipment leasing.

We can advise you or any guarantors in relation to loan and mortgage documentation and provide you with a solicitors’ certificate.

WE CAN ADVISE YOU IN RELATION TO YOUR PROPOSED OR EXISTING MORTGAGE. WE CAN PROVIDE ADVICE FOR THE FOLLOWING:

• Advice to Mortgagees or Mortgagors
• Drafting mortgages and caveats for arrangements between private individuals
• Disputes with mortgagees
• Witnessing mortgage documents and supplying certificates
• Advice to guarantors and witnessing of documentation
• Solicitors Certificates for Advice
• Advice relating to security over personal property
• Arranging and attending settlements
• Estimate of costs and appraisals
• Preparation of loan documents
• Property searches and reports
• Liaison with financial institutions
• Loan application assistance
• Discharging paid out mortgages
• Second and Third Mortgage Advice
• Business Loans
• Angel Investment
• Unsecured or Private Lending

Mortgage & Private Lending Advice

We can assist you with providing mortgage advice when you are lending or borrowing for private commercial business or property transactions. We can prepare documentation and provide advice
If you are entering into Joint Ventures, capital raising or lending between commercial entities or individuals.

Mortgage documentation when lending or extending credit in these instances requires more consideration. The interest rates are typically reflective of the higher risk in this space and more attention needs to be paid to the terms and conditions of the loan.

It makes sense to have the documentation clearly drafted so it reflects the negotiated terms of the agreement between the parties when you are entering these commercial arrangements.

We can assist those in:

• Property Development
• Capital Raising – Small Scale Offerings 2/20/12 Rule
• Second and Third Tier Mortgage Lending or borrowing
• Equipment Leasing
• Vendor Finance
• Second Mortgage Lending or borrowing

Disputes with Mortgagees

Where there may be a default in commercial or private lending we can assist in negotiating between you and the mortgagee. Disputes can be resolved easily between parties when a lawyer is engaged as the other party often changes their approach and can become more negotiable. A lawyer can help you renegotiate terms and we often achieve a better outcome than our clients could negotiate themselves.

PPSR

We can assist those that require advice or assistance with PPSR registrations or disputes involving registrations or repossession of goods.

What is a Solicitors Certificate?

A solicitors’ certificate is provided to guarantors to give to a lender as proof that they have obtained legal advice relating to the Guarantee that they are signing. This is typical in lending where directors of a company must obtain advice or where relatives may act as a guarantor. It is so that the lender can comply with the responsible lending practices. The guarantee can be for the full loan amount or a part of the loan amount or limited to a certain period of time.