Services

Mortgage & Lending

Mortgage and Lending Lawyers in Ballarat, Beaufort, Castlemaine & Daylesford.

With leading mortgage and lending lawyers in Ballarat, Beaufort, Castlemaine & Daylesford, Nevett Wilkinson Frawley Lawyers are there to ensure that when you are partnering with our experienced lawyers, you are setting yourself up for success in your mortgage and lending strategies.

Why Choose Us in Ballarat and Central Highlands?

By engaging with leading mortgage and lending lawyers at Nevett Wilkinson Frawley Lawyers, this places you in the best position to ensure that you are cared for by lawyers that understand financial transactions, and the different forms that loans and mortgages can take.

We have developed a strong reputation in being able to work with a wide variety of clients in Ballarat, Beaufort, Castlemaine, Daylesford, and the broader Central Highlands region. We understand that mortgage and lending law require lawyers that understand the different kinds of risks associated with finance, are commercially oriented, and can deliver practical outcomes.

Our team of leading mortgage and lending lawyers in Ballarat, Beaufort, Castlemaine and Daylesford, are there to provide pragmatic legal advice and outcomes.

When you choose Nevett Wilkinson Frawley Lawyers, we ensure:

We believe in delivering real expertise in mortgage and lending law to create positive experiences for our clients. That’s why, we ensure that our mortgage and lending lawyers are experts in their field and have proven experience.

Your mortgage and lending experience matters to us, and we believe that you should have reliable, accessible and transparent mortgage and lending legal services.

That’s why, as a leading regional law firm in Ballarat and Central Highlands, our mortgage and lending legal team are fully supported by our team of lawyers and support staff so that you can have access to high quality mortgage and lending legal services.

At Nevett Wilkinson Frawley Lawyers, we operate and maintain a trust account that is regularly reviewed and audited so that you can have a peace of mind when you transfer your money with us, it is protected and secure.

We understand that you want to feel financially comfortable knowing that you are supported by the right people with the right resources.

That’s why we ensure that our trust accounts are properly audited and reviewed. Our mortgage and lending lawyers across Ballarat, Beaufort, Daylesford & Castlemaine are also assisted by a team of support staff.

We make accessing our mortgage and lending legal services easy, transparent and reliable, so that your experience with us feels complete and assured.

That’s why when you engage with Nevett Wilkinson Frawley Lawyers as your chosen mortgage and lending lawyers, we are committed to providing you accessibility. We have physical offices fully staffed with support teams situated across Central Highlands: Ballarat, Beaufort, Castlemaine & Daylesford. Our head office is situated in Ballarat.

When engaging us, you can also connect with us online, by telephone, or by email. We are committed to ensuring high quality customer service so that your mortgage and lending legal experience with us is seamless.

At Nevett Wilkinson Frawley Lawyers, our mortgage and lending lawyers are there to ensure that their technical capabilities and strategies align with clients’ desired financial outcomes.

With experience and technical expertise, our lawyers are able to navigate complex mortgage and lending issues. Our lawyers work closely with clients to understand their circumstances and develop strategies that align with their financial needs.

Furthermore, our mortgage and lending lawyers understand that financial issues should not be viewed in a vacuum, and that mortgage and lending legal services should be approached with commerciality in mind.

Guided by expertise and experience in mortgage and lending law across Ballarat, Beaufort, Castlemaine & Daylesford, we are a valuable asset and resource to the start of your journey with us because of our ability to reliably support you in mortgage and lending from the initial stages of due diligence to the final stages of documentation and execution.

“We ensure that the quality of our legal work in mortgage and lending at Nevett Wilkinson Frawley Lawyers is excellent and reliable so that your experience with us is seamless and at ease.”

What our lawyers have to say.

Related Services

Banking & Finance

Commercial & Business

Corporate Advisory

Residential Lending

Commercial Lending

Debt Recovery

Are you looking for a mortgage and lending lawyer? Call us on (03) 5331 1244 to get in touch and arrange an appointment with a member of our mortgage and lending team.

You can also connect with us by filling out your details and telling us about your information below:

Contact Form

What is Mortgage and Lending Lawyer?

A mortgage and lending lawyer are lawyers with technical expertise and experience across a variety of complex mortgage and lending transactions. Generally, they act for a wide range of clients from borrowers to lenders. They assist by drafting loan and security documents, advise on terms and conditions to make sure that loan documents are fair and reasonable, perform due diligence to advise on legal risks, and commence recovery proceedings for lenders.

The legal services in mortgage and lending law may involve:

  • Preparation of Loan Documents and Schedules
  • Guarantor Advice
  • Mortgagor and Mortgagee Advice
  • Witness Loan Documents
  • Personal Property Securities Charges
  • Property Searches
  • Caveats
  • Secured and Unsecured Lending
  • Discharge of Mortgage
  • Mortgage Settlements
  • Personal Guarantees
  • Enforcement and Recovery
  • Due Diligence
  • Equipment Leasing
  • Vendor Finance
  • Personal and Corporate Insolvency
  • Receiverships
  • Independent Solicitor’s Advice Certificates
  • Mortgage Documentation

These legal experiences provide mortgage and lending lawyers with broad exposures to assist clients in all aspects of mortgage and lending, while taking into consideration clients’ commercial objectives and goals.

From retail to commercial lending, our clients have received expert guidance from our mortgage and lending lawyers at Nevett Wilkinson Frawley Lawyers. When dealing with mortgage and lending law, we focus on providing a high-quality service that is personalised and takes into account a client’s commercial needs and requirements.

With substantial experience in mortgage and lending law, our team of mortgage and lending lawyers at Nevett Wilkinson Frawley Lawyers provide clients with practical and high-quality legal advice.”

What Practice Areas are in Mortgage and Lending?

Practice areas involving mortgage and lending encompasses a variety of financial transactions and arrangements. With relevant expertise and specialisation, mortgage and lending lawyers can provide clients with high-quality advice, realistic and practical legal solutions, and manage competing stakeholder interests while being adaptable to changing commercial environments.

At Nevett Wilkinson Frawley Lawyers, our mortgage and lending lawyers can assist you in all aspects of mortgage and lending:

  • Due Diligence
  • Guarantor Advice
  • Mortgage Documents
  • Loan Documents
  • Caveat Documentation
  • Discharge of Mortgage
  • Mortgage Advice
  • Solicitor’s Certificate of Independent Advice
  • Settlements
  • Due Diligence
  • Review and Legal Advice
  • Property Searches
  • Debenture Documents
  • Personal Property Securities Charges and Register
  • Powers of Attorney
  • Security and PPSA Documentations
  • Personal Guarantees
  • Loan Facilities
  • Enforcement and Dispute Resolution
  • Recovery and Possession
  • Caveat Arrangements
  • Unsecured and Secured Lending
  • Vendor Finance
  • Equipment Leasing

Frequently Asked Questions.

In Victoria, a caveat is an instrument available for holders of caveatable interests.

A valid lodgement of a caveat acts as an injunction on the Registrar of Titles and prohibits subsequent dealings on a land, is recorded, and provides notice of the caveator’s interest on the Register.

A contract is a legally binding agreement that is enforceable in court.

The common legal elements involved in the formation of a contract are: Offer and Acceptance, Consideration, Intention to Create Legal Relations, Certainty, Capacity and Formalities.

The National Credit Code forms part of the federal legislation, National Consumer Credit Protection Act 2009 (Cth).

The National Credit Code is prescribed in statute as having the effect as a law of the Commonwealth.

A mortgage is a legally recognised form of security under the Torrens System that provides legal rights and interest, by way of a charge, over a property.

A charge is intended to provide the mortgagee enforceable legal rights in the event that a mortgagor defaults.

A personal property security interest is an interest in personal property provided for by a transaction that, in substance, secures payment or performance of an obligation.

The Personal Property Securities Act 2009 (Cth) is the main federal legislation that governs the operation of the Personal Property Securities Register.

Mortgage and Lending Insights.

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What is Causation in Australian Contract Law?

An Overview on Causation in Australian Contract Law: Law may be viewed as a “fact-orientated system” of rules that regulate human and social behaviour (Weber, 2009, p. 118). The application of causation…

What is Contract Law?

An Overview on the Theories of Contract Law: Common law textbooks on contract law typically define “contracts in terms of promise or agreement or of a combination of the two” (Cootes, 2010, p. 10). Within contemporary contract literature…

What is the Classification of Terms in a Contract?

An Overview on Classification of Terms: In Australia, the English decision in Hongkong Fir Shipping Co Ltd v Kawasaki Kisen Kaisha Ltd [1962] 2 QB 26 was adopted representing a policy position shifting from a dualistic classification system…

What is Privity of Contract in Australia?

An Overview on Privity of Contract in Australian Contract Law In Australia: In Australia, privity of contract relates to the idea that only parties to a contract should be “bound by its obligation”, and benefit from the contractual relations…

What is Repudiation in Australian Contract Law?

An Overview on Repudiation in Australian Contract Law: Repudiation is a modern legal term that has adopted many meanings within contemporary contract law. However, repudiation is generally characterised as the repudiation of obligation…

What is Certainty in Australian Contract Law?

An Overview on Certainty in Australian Contract Law: For a contract to be legally effective, the contract must have sufficient certainty and completeness. A complex legal inquiry, differences in judicial opinion on when the threshold requirements of certainty…


Our Mortgage and Lending Team.


Ben Franklin

Managing Partner

Frank Frawley

Special Counsel

Jason Koutes

Senior Associate

Are you looking for a mortgage and lending lawyer? Call us on (03) 5331 1244 to get in touch and arrange an appointment with a member of our mortgage and lending team.

You can also connect with us by filling out your details and telling us about your information below:

Contact Form