Banking And Finance

Caruso & Co Legal provides specialist advice on complex banking and finance transactions. We use our in-depth industry knowledge of all financial services laws and regulations and expert legal services to prepare and draft loan agreements, mortgages, caveats, general security documents and PPSR registration of securities on the Personal Property Securities Register (PPSR) and ensure the smooth settlement of commercial and private loans from beginning to end.

 

Our expertise includes:

1.

Comprehensive Loan Documentation

Preparing and reviewing all necessary loan agreements, ensuring they are meticulously drafted to protect the interests of all parties involved.

2.

Mortgage and Caveats

Drafting and registering mortgages and caveats securing real property and ensuring all legal requirements are met for enforceability.

3.

General Security Agreements

Advising on and preparing general security agreements, offering comprehensive security over a borrower’s assets, and protecting lenders’ interests.

4.

Personal Guarantees

Structuring and drafting personal guarantees, ensuring they are legally sound and enforceable, while minimising risk for lenders.

5.

Pre–loan Due Diligence and searches

Completing initial due diligence, including all necessary searches and investigations required by lenders to assess risk and ensure informed decision-making.

6.

Settlement Coordination

Managing and coordinating settlements with all parties involved, including lenders, borrowers, and other stakeholders. This includes the efficient transfer of funds and contemporaneous registration of all legally binding securities.

7.

Security Registration

Ensuring the timely and accurate registration of all securities, including mortgages, caveats and general security agreements, with the relevant authorities to secure lenders' interests.

8.

Fund Distribution and Security Discharge

Coordinating the receiving and distributing of funds contemporaneously with the discharging of all securities, including mortgages, caveats, and PPSR-registered security interests, ensuring a seamless and secure completion of the transaction.