Financing & Refinancing
Lawyers

You’ll find Financing and Refinancing is much easier when you have expert legal guidance.

The commercial law team at Ballantyne Law in Southport translates the often difficult language of finance and securities into plain English.

Unlocking financial security: expert legal guidance

Before signing, you need to fully understand the agreements that go with a financial transaction.

Loan Agreements

The legal cornerstone of a financial lending relationship is the Loan Agreement.

This document will include details about the borrowed sum and loan term, to interest rates, repayment schedules, and property collateral.

With our approach, you’ll have clarity on every essential detail of the Loan Agreement.

Securing collateral

Money that is loaned to a borrower will inevitably be secured. An example of this type of security is the mortgage registered against the borrower’s real property.

Priority matters

Priority matters when a mortgage has already been registered against the borrower’s property. The first mortgagee will want to safeguard their interests.

This usually requires agreeing to a Deed of Priority that prioritises the order of creditors in terms of their rights to negotiate debts owed and payment plans.

We’ll make sure you understand the terms and that you are satisfied with the document, whether you are the borrower or one of multiple lenders.

Personal Property Securities Register

A loan may be secured against personal property, such as vehicles or equipment.

The secured party’s interest is recorded in the Personal Property Securities Register (PPSR) in accordance with the Australian Personal Property Securities Act 2009 and the New Zealand Personal Property Securities Act 1999.

This electronic register can be searched and it plays a vital role in financing.

Our commercial law team can guide you through the process to assert your enforcement rights effectively.