Commercial mortgage law services designed for lenders who need results, not complications

Getting your loan documents right from the start protects your position and prevents problems down the track. We prepare comprehensive mortgage documentation for commercial lenders, handling everything from straightforward advances to complex syndicated lending and construction funding arrangements. Our documents are structured to ensure your interests are secure from the outset, with clear terms that stand up when you need them. We conduct thorough legal due diligence on every transaction, identifying potential issues before they become costly problems.

For syndicated lending, we coordinate multi-lender transactions with precision, preparing syndicate agreements and security sharing arrangements that protect all parties whilst keeping the deal moving forward. When it comes to construction funding, we prepare specialised documentation that manages the unique risks of development finance. This includes progressive funding arrangements, security over development sites, and completion guarantees that protect your investment throughout the project lifecycle. We align our processes with project milestones and funding schedules, ensuring legal work supports rather than delays construction timelines.

Our process: We commence work immediately upon receipt of your signed term sheet, using technology-driven systems for routine tasks so we can focus on the strategic elements that protect your position. You’ll receive regular progress updates throughout, with direct lawyer involvement at every stage. All costs are paid by the borrower, and we provide fixed-fee quotes upfront for standard transactions.

Lending arrangements need to adapt as business circumstances change. We handle modifications to existing mortgages efficiently, ensuring your security position remains intact throughout the process. Whether you’re increasing loan amounts, extending terms, substituting security, or adjusting interest rates and payment structures, we prepare documentation that properly protects your interests whilst meeting your business timelines.

Our experience means we understand the risks that can arise when varying loan terms, and we structure variations to prevent any gaps in your security coverage. We ensure all necessary consents are obtained, priority positions are maintained, and the varied terms are clearly documented to avoid future disputes. This attention to detail keeps your deals moving forward without creating unnecessary delays or exposing you to additional risk.

Fee: $1,500 + GST

When loans are repaid, you need swift, accurate processing to finalise the transaction and free up your capital for new opportunities. We coordinate all aspects of discharge settlement, from preparing payout figures to coordinating settlement on PEXA to ensuring security releases are properly registered. Our systematic approach means nothing falls through the cracks: final settlements are coordinated smoothly, all parties receive what they need when they need it, and your administrative burden is minimised.

We understand that efficient discharge processes are essential for maintaining good relationships with borrowers and brokers, which translates to repeat business for your lending operation. Our streamlined systems ensure discharges are handled quickly without sacrificing accuracy or proper procedure.

Fee: $1,500 + GST

When borrowers default, time is critical, and you need clear advice on your options. We provide practical guidance on enforcement procedures, ensuring you comply with all legal requirements whilst protecting your interests. Our service covers everything from issuing default notices through to possession proceedings, mortgagee sales, and guarantor claims.

We understand that enforcement situations require decisive action balanced with proper legal process. Our approach focuses on achieving the best possible outcome for your security position, whether that means negotiating forbearance arrangements, coordinating with receivers and managers, or pursuing court proceedings when necessary. We can coordinate with specialist litigation counsel for complex court matters, ensuring you have the right expertise at every stage of the enforcement process.

Our experience includes handling enforcement across all Australian jurisdictions, giving you confidence that your rights will be properly exercised regardless of where the security property is located. We prepare our advance documents with enforcement in mind, which means when defaults occur, your position is already structured for efficient recovery.