Financing & Refinancing

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.

Financing & Refinancing Lawyers
Commercial legal services

Bank Guarantee documentation

You’d be wise to seek legal advice before entering into Bank Guarantee documentation. It is important to fully comprehend its intricacies and potential consequences.

Consult our experienced solicitors to ensure you are well-informed before signing Bank Guarantee documents.

Safeguarding your financial interests

In the world of finance and securities, the importance of precise, legally sound documentation cannot be overstated.

With the commercial law team at Ballantyne Law, you’ll be able to navigate the complexities of financing agreements and have confidence that your interests will be safeguarded.

For assistance with Loan Agreements, Mortgages, Priority Documents, Personal Property Securities Register, or Bank Guarantee Documentation, simply contact Ballantyne Law today.


When it comes to significant financial transactions, refinancing plays an important role.

Refinancing continues to grow in popularity as Australia’s lending market becomes increasingly more competitive.

Your refinancing efforts will be as stress-free as possible with the expert legal advice our commercial law team provides.

Why refinance?

The benefits of refinancing include:

Lower interest rates

Refinancing could allow you to escape high-interest loans or fees and enjoy lower repayments.
If your property has appreciated in value, refinancing could also include drawing on your equity.

Debt consolidation

You might also refinance to consolidate high-interest debts, such as other loans, in order to reduce the overall interest payable.

Debt consolidation can also solve the burdensome management of multiple loans.

How we assist in refinancing?

You can refinance with confidence with our experienced legal team by your side.

Our solicitors excel in managing all elements of refinancing with meticulous focus on the legal aspects.
Refinancing services at Ballantyne Law encompass:

1. Detailed pre-refinance advice

Before you proceed, we can provide you with comprehensive advice regarding the refinance. You’ll be able to make an informed decision and enjoy an efficient and smooth transaction.

2. Independent legal advice

Our legal advice is independent in regard to loans and mortgages. This is vital to ensure your interests are protected.

3. Preparing for refinancing

You need to be prepared for the costs involved before committing to property refinancing.
Potential expenses can include:

  • Discharge fees
  • Legal costs
  • Early repayment fees
  • Interest break costs
  • Application fees
  • Valuation fees
  • Title searches
  • Registration fees
  • Mortgage insurance
  • Survey costs
  • Council building certificates


Existing lenders may seek reimbursement for lost interest, especially if you are refinancing during a period of lower interest rates and have a fixed-interest loan.

Connect with Ballantyne Law

Refinancing is a pivotal financial decision and Ballantyne Law’s Gold Coast commercial lawyers have the expertise to make your refinancing safer and less stressful.

As your trusted partner, we ensure your financial goals will be met and your interests will be protected.

Contact us today to get started on your refinancing journey.

Let's talk about your matter

07 5606 7332


45 Nerang St, Southport


18/324 Queen Street