Mortgage services
Fast turnaround, without cutting corners
You shouldn’t have to choose between speed and care. Every loan we document is checked for the commercial, legal and regulatory issues that matter to you as lender, and we work to your timetable so your borrowers aren’t left waiting.
Our partners worked at Dentons and inside NAB and Macquarie Bank. We know what credit teams, settlement teams and funders need, and because our lending and regulatory work sits in the same team, compliance issues are picked up while the loan is being documented, not after it settles.
Who we act for
Lending support for banks, non-banks and private credit
Non-bank and private lenders
Residential and commercial mortgage lending, from single advances to ongoing panel work.
SMSF lenders
Limited recourse borrowing arrangements under section 67A of the Superannuation Industry (Supervision) Act 1993.
Commercial and asset finance
Asset-backed, equipment, motor vehicle, invoice and debt financiers.
New lenders and fintechs
Setting up regulated and unregulated lending programs, documents and processes from scratch.
How we help
Our mortgage services
- Mortgage due diligence, so you understand the commercial, legal and finance risks of each deal
- Preparing and issuing loan documents to borrowers and guarantors
- Dealing with borrowers, guarantors and their lawyers, and satisfying conditions precedent
- Solicitor’s certification once every requirement has been met
- Settlement, electronically through PEXA or by paper where needed
- High-volume mortgage discharges, handled quickly and consistently
- Registering mortgages, caveats and PPSR security interests promptly and correctly
- Reviewing your loan documents and providing the enforceability opinions funders often require
- Establishing regulated and unregulated lending programs, including SMSF lending
- Reviewing lending policies and procedures for compliance with the National Credit Code, privacy, AML/CTF and Corporations Act requirements
Selected work
Recent matters for lenders
Loan transactions
Act for lenders on commercial, residential and SMSF loans nationally, from preparing the loan documents and dealing with the borrower and their lawyer through to settlement.
Discharges
Handle high-volume mortgage discharge work for lenders.
Policy reviews
Review lender policy documentation for compliance with privacy, AML/CTF, data, National Credit Code and Corporations Act requirements.
Non-bank lenders and fintechs
Act for non-bank lenders and fintech providers on loan documentation, lending programs and regulatory issues.
Transactions
Advised on the portfolio sale of assets to a large equity fund, with a deal value of more than $50 million.
Mortgage broking
Review and advise on broker and aggregator agreements, drawing on our partners’ experience advising a number of Australia’s larger mortgage aggregators and the MFAA while at Dentons.
Why Hindsight
Why lenders choose us
We’ve sat on the bank’s side
We’ve worked inside major banks, so we know where loans get held up and how to fix it quickly.
Lending and regulation in one team
Your documents are prepared with the credit and consumer law issues already in mind.
Partner-supervised, every matter
Every matter is supervised by one of our Founding Partners, from instructions to settlement.
Digital and Australia-wide
Documents, signing and settlement happen online, so we can act for you in every state and territory.
Our partners
The team behind your loans
Our lending work is led by our Founding Partners, who have advised some of Australia’s largest banks, non-bank lenders and mortgage aggregators.
Michael Lazar
Founding Partner
Formerly NAB and Dentons. Advises banks, credit providers and SMSF lenders on regulation and structuring.
AJ Sridaran
Founding Partner
Formerly Macquarie Bank and Dentons. Legal 500 ‘lawyer to note’ in fintech and financial services regulation.
Recognised by the Legal 500 and Lawyers Weekly
Meet our partners →FAQs
Frequently asked questions
Do you act for lenders in every state?
Yes. We act on loans secured over property anywhere in Australia, and settle electronically through PEXA wherever it’s available.
Can you act on SMSF loans?
Yes. We document limited recourse borrowing arrangements for SMSF lenders, including the holding trust and security arrangements, and can help you set up an SMSF lending program.
Can you help us launch a new lending product?
Yes. We prepare loan and security documents, policies and processes for new regulated and unregulated lending programs, and advise on the licensing and compliance issues that come with them.
Do you provide enforceability opinions?
Yes. We review loan and security documents and provide the enforceability opinions that warehouse and wholesale funders often ask for.
How do you charge for loan work?
We agree pricing upfront. For ongoing loan work, we can set an agreed fee schedule so you know the cost of each matter before it starts.
Talk to us
Need a lending law firm that keeps pace?
Tell us about your lending book and we’ll explain how we can support it, and what it will cost.