Mortgages & Borrowing
Mortgages, Refinancing, Borrowing & Guarantees
We handle the legal paperwork for your mortgage, refinance, or borrowing — so you can focus on getting the best deal for your situation.
Clear Legal Advice on Mortgages and Borrowing
Whether you're taking out a new mortgage, switching lenders, topping up, or discharging a loan — we make the legal side simple.
A mortgage is a loan secured against your property. Purchasers use mortgages to buy property, and existing owners can borrow against their property for other purposes. Either way, the legal documentation needs to be handled correctly — registering new mortgages, discharging old ones, and making sure the terms protect your interests.
We act for borrowers on new mortgages, refinancing (switching lenders), top-ups, discharges, and guarantees. Our fees are published upfront and include GST — we'll send you a personalised quote before you commit to anything.
If you're not sure which category your transaction falls into, just get in touch — we're happy to clarify before you make any decisions.
How to Get Started
Our Fees
All fees include GST. Pay within 7 days for our discounted rate — normal fees (20% more) apply after that.
| Scenario | Discounted fee |
|---|---|
| Discharge only | $768 |
| New mortgage only | $1,568 |
| New mortgage + discharge (most common) | $1,982 |
| Plus identity verification: from $276 (1 person) · from $322 (2 people) | |
Ready to go?
Click below. We’ll take a few details about your refinancing, then ask you to confirm who you are — a quick legal requirement that takes about 10 minutes. Then we get to work.
I want you to act for me →Not ready yet? Request a free quote first
🎉 Property Client Exclusive — 50% Off Estate Planning
As a property transaction client, you qualify for 50% off all will-based estate planning documents when you sign them at the same time as your property documents.
Normal Will + Both EPAs: Individual $550 (normally $1,100) | Couple $1,000 (normally $2,000)
