Our finance lawyers act for both lenders and borrowers across Australia, providing clear, practical advice on all aspects of finance law, including loan agreements, mortgages, guarantees and indemnities, debt recovery, independent legal advice and PPSR matters.
We explain your rights and obligations in plain language and deliver strategic, results-driven solutions that protect your financial interests, minimise risk and achieve fair commercial outcomes.
Our finance lawyers advise on loan agreements, mortgages, guarantees and indemnities and debt recovery, helping both lenders and borrowers protect their financial interests.
We also provide independent legal advice to ensure clients understand their obligations before signing and manage PPSR registrations to secure and enforce interests.
We focus on clear advice, fast resolutions and commercially sound outcomes for all finance and lending matters.
We prepare and negotiate loan agreements that clearly set out repayment terms, securities and remedies in the event of default.
Whether you’re lending or borrowing, we draft and review mortgage documents to secure interests, enforce rights and protect against default.
We draft, review and enforce guarantee and indemnity agreements, ensuring obligations are clear and liability is fairly limited.
We act swiftly to recover outstanding debts, using both negotiation and legal action to maximise your return and reduce losses.
When required to obtain independent legal advice, we provide clear, practical guidance so you understand the risks and obligations before signing.
We prepare and manage Personal Property Securities Register registrations to ensure your security interests are enforceable and prioritised over other creditors.
Loan agreements are usually drafted to protect the lender, not the borrower. Too often, individuals and businesses sign without fully understanding their obligations, only to face default later.
At Axe Legal, we help borrowers review, negotiate, and simplify complex loan documents so you know exactly where you stand. We advise on common finance arrangements, mortgage terms, guarantees, and security interests, identifying provisions that are fair and those that may be excessive or risky.
Our focus is to protect your position and give you confidence before signing, so you can access finance while minimising exposure to default and dispute. With clear advice, you can move forward with your property or business goals backed by strong legal support.
When lending money, it is essential to have a clear, written loan agreement that sets out the terms and conditions of the loan. If a borrower fails to repay, the agreement should give you enforceable options to recover what is owed.
At Axe Legal, we draft and review loan and security documents that protect lenders and provide certainty around repayment. Our agreements outline borrower obligations in plain terms, helping to minimise disputes and defaults.
For non-regulated lenders, we offer a complete loan creation and management service. Once your credit team approves a loan, we can issue tailored documentation the same day.
For regulated lenders, we ensure compliance with lending regulations and provide strategic support in the event of investigations or proceedings.
A borrower’s promise to repay can quickly lose value if they default, become bankrupt, or are placed into liquidation. For this reason, lenders commonly require security such as personal or corporate guarantees, mortgages over land, charges, or general security interests over assets.
At Axe Legal, we advise both lenders and borrowers on the preparation, registration, and enforcement of security interests. We explain your rights and obligations when providing or requesting security, and highlight the risks involved in guarantees and charges.
Our experience in mortgage law and the Personal Property Securities Act (PPSA) ensures lenders gain certainty that their interests are properly registered and that they rank as secured creditors. Borrowers benefit from clear advice on their responsibilities and the potential consequences of offering security under a loan.
It is not uncommon for borrowers to fall into default, whether through financial difficulty or unwillingness to comply with their loan terms. In these circumstances, lenders must look to recovery options or commence enforcement action to protect their position.
At Axe Legal, we assist lenders with practical debt recovery solutions and, where necessary, enforce loan agreements through security, bankruptcy, or liquidation proceedings. Our aim is to secure repayment efficiently while minimising costs and disruption.
We also act for borrowers facing enforcement action. By understanding your circumstances, we can negotiate with lenders, explore repayment or settlement options, and work towards fair, commercial resolutions that prevent escalation. Where legal proceedings cannot be avoided, we advise on your rights, obligations, and represent you throughout the enforcement process.
Choosing the right finance lawyer can make all the difference. At Axe Legal, we combine technical precision, strategic insight and practical experience to deliver outcomes that matter.
We bring deep knowledge of borrowing and lending. Our lawyers take a commercial approach that prioritises strategy, compliance and results – helping you make confident and informed decisions.
We translate complex legal issues into clear, actionable advice. Whether it’s resolving a dispute, structuring a deal or navigating legal requirements, we focus on efficient, outcome-driven solutions.
You’ll work directly with an experienced finance lawyer who keeps you informed and provides support from start to finish. We value clarity, trust and genuine care in every client relationship.
We’re upfront about costs from day one. Our staged and flexible fee options give you full visibility and control over your legal spend without compromising on quality.
We’re here to secure your financial interests
Our finance lawyers cut through complexity, helping you structure deals, manage regulation, resolve disputes and protect your assets.
Borrower-focused advice on loan agreements, mortgages, guarantees and security interests, so you sign with confidence and reduce the risk of default or dispute.
Lender-side legal support to draft and enforce loan agreements, register security, and stay compliant with lending regulations.
Clear advice on mortgages, guarantees, charges and PPSR security interests, so lenders are protected and borrowers understand obligations and risks.
Practical debt recovery and enforcement, from negotiated repayments to court action and mortgage possession, with support for both lenders and borrowers.
