Finance Law
Finance Law

Finance is often necessary for both residential and commercial property transactions. Our expert team can assist you in:

  • Effective funding structures
  • Loans and mortgages for family homes and investment properties
  • Vendors providing vendor finance
  • Preparing and/or reviewing:
    • Loan agreements
    • Guarantees
    • Mortgages
    • General security agreements
  • Preparing ancillary company / shareholder / trust resolutions

Whether you're purchasing your first home, expanding your property portfolio, or structuring complex commercial transactions, we provide practical advice on financing options and ensure all documentation is properly prepared and executed.

Areas of expertise
FAQ

Frequently asked questions

1
What security documents are typically required for property loans?
+

Common security documents include property mortgages, general security agreements over business assets, personal guarantees from directors/parties, and insurance assignments. Requirements depend on lender, amount, and risk.

2
What is a general security agreement (GSA)?
+

A GSA gives lender security over all borrower's personal property assets including inventory, equipment, accounts receivable, other business assets. Provides broad security coverage for business lending.

3
How does vendor finance work in property transactions?
+

Vendor finance occurs when property seller provides some/all purchase finance to buyer, secured by mortgage over property being sold. Helps when traditional bank finance difficult or provides advantages.

4
What happens if I default on a secured loan?
+

If you default, lender may exercise security rights including taking possession and selling secured assets. Must follow proper procedures. Options include negotiating revised terms, refinancing, or voluntary sale.

Take the first step towards resolution and legal success.

Neil Dowsett
Consultant

Connect with us today and let our experienced team guide you towards effective solutions and legal counsel.