Mortgage Advice

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.


  • 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.


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.

Our legal services
our testimonials

Branden L, Ravenhall

Excellent Service. PCL did a great job advising me about my rights and protecting my name and business goodwill. I can absolutely recommend this very professional service.

Brett Wilson/Glen Waverley

If I had of gone to another law firm that was cheaper I may have saved many thousands of dollars but as it turns out I may have lost a lot more than that upon settlement. Using a firm such as PCL lawyers I had the peace of mind that each issue as it arose was dealt with in a very matter of fact way and to the letter of the law.

Tiffany J/ Australia

Out of speaking to two other lawyers you were the only one to give me any genuine advice.

Morgan S/ Australia

Thank you so much for your assistance. Should I ever have the chance to recommend you I will do so.

Lisa G/Bentleigh

I appreciate your time and effort and thank you for your prompt response and professionalism. I would not hesitate to use your services again and refer PCL Lawyers to others.

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