Banking & Finance Lawyers Melbourne & Gold Coast
Strategic legal services across secured lending, property finance, private lending, and loan structuring. We act for borrowers, lenders, developers, and private financiers from initial structuring through to settlement and enforcement.
Who we work with
Borrowers: Whether you're funding a home, a business, an investment, or a development project, we review and negotiate your loan and security documents to make sure your interests are protected.
Private lenders and non-bank financiers: If you're lending privately or through a non-bank structure, we help you formalise the arrangement, prepare proper security documentation, and ensure your position is enforceable.
Developers and project sponsors: Property acquisition finance, construction funding, mezzanine arrangements, and multi-lender structures. We make sure the finance side of your project is documented properly and moves on time.
What we help with
Our banking and finance lawyers advise on a wide range of lending and finance matters, including:
Drafting and negotiating facility agreements, loan documents, and security instruments
Senior debt, mezzanine finance, and second mortgage funding arrangements
Private lending and non-bank financing transactions
Property acquisition and development finance
Project finance and construction funding
Guarantees, indemnities, and security arrangements (mortgages, PPSR, caveats)
Preparing and registering mortgages, caveats, and other security instruments
PPSR registration and compliance
Intercreditor and priority deeds
Loan structuring and refinancing
Mortgage enforcement, recovery, and insolvency-related advice
Legal due diligence on borrowers, guarantors, and security
What the process looks like
Step 1. Tell us about the transaction: Get in touch by phone or email. We'll discuss the financing arrangement, the parties involved, the timeline, and what you need from a legal perspective.
Step 2. We review the structure and confirm costs: You'll receive clear advice on the proposed arrangement, any risks to be aware of, and transparent pricing before any work begins.
Step 3. We prepare or review the documentation: Your lawyer drafts or reviews the facility agreement, security documents, and any ancillary instruments, making sure everything is commercially sound and properly protects your position.
Step 4. We coordinate with all parties: We liaise with the other side's lawyers, brokers, valuers, and financiers to negotiate terms, resolve any issues, and keep the transaction moving to meet your settlement deadline.
Step 5. Settlement and registration: We attend settlement, handle registration of mortgages, caveats, and PPSR interests, and confirm all security is in place. If any post-settlement steps are needed, we'll let you know.
Whether you're borrowing, lending, or structuring project finance, we make sure the documentation is right and your position is secure. Talk to our banking and finance team today.
This practice area is led by our Head of Property and Finance, Chelsea Landgren. Feel free to reach out to Chelsea directly to discuss your matter.
Need legal support for a lending or finance matter?
Melbourne Office: Level 3, 420 Collins Street, Melbourne VIC 3000
Gold Coast Office: Level 2, 194 Varsity Parade, Gold Coast QLD 4228
Phone: (03) 9098 8702
Email: admin@tmcollins.com.au
We aim to respond to all enquiries within one business day.
FAQs on Debt Recovery
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Both. We act for borrowers, lenders, developers, and private financiers. Whether you're the one providing the funds or receiving them, we make sure the documentation protects your interests.
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Yes. Without proper loan and security documentation, your position may be difficult or impossible to enforce if something goes wrong. We help private lenders formalise their arrangements with proper facility agreements, mortgages, caveats, and PPSR registrations.
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The Personal Property Securities Register (PPSR) is a national register for recording security interests over personal property (anything that isn't land). Registering on the PPSR protects your priority position if the borrower defaults or becomes insolvent. We handle PPSR registrations and compliance as part of our finance work.
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Yes. We regularly act on property acquisition and development finance, including senior debt, mezzanine funding, construction finance, and multi-lender structures. Our property and development team works closely with the finance side, so you get seamless advice across both.
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An intercreditor deed is an agreement between two or more lenders that sets out their respective rights, priorities, and obligations in relation to the same borrower or security. It's common in transactions involving senior and mezzanine lenders and is critical to managing risk between parties.
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We understand that finance transactions are often time-sensitive. We work to your settlement timeline and can turn around documentation quickly when needed. Let us know your deadline upfront and we'll plan accordingly.
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It depends on the complexity of the transaction and the documentation involved. Simple private lending arrangements can often be quoted on a fixed-fee basis. Larger or more complex transactions will depend on the scope. We provide transparent pricing upfront so you know what to expect.