Loan agreements in Queensland

Lending or borrowing money? Get it in writing – properly. Clear, enforceable loan agreements drafted by real Queensland solicitors.

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Fixed fee pricing

Clear, upfront fees

Clear, upfront pricing – circa $2,000 for a standalone agreement, or circa $2,200 plus lodgement fees if it’s secured by a mortgage. Every loan’s a bit different, so we’ll always give you a tailored, no-obligation quote.

Decided on the papers

Real solicitors, not templates

Your agreement is drafted by experienced Queensland solicitors who know the law – not a generic template off the internet.

One dedicated divorce team

Property and finance know-how

We live and breathe property and finance law, so mortgage-linked loans are right in our wheelhouse.

What we can help with

Joint divorce application

Mortgage-linked loan agreements

Lending money secured against property? We’ll prepare the loan agreement and the registered mortgage so your loan is properly secured against the title. If the borrower defaults, your security sits on the property itself – the strongest protection a lender can have.

Sole divorce application

Standalone loan agreements

A clear, enforceable agreement without a registered mortgage – ideal for smaller amounts, or where registering a mortgage isn’t worth the cost. It still sets out the loan amount, repayments, interest and what happens on default.

Service of divorce documents

Family and private loans

Helping your kids into a home or lending to a relative? Getting it in writing protects both your money and the relationship – and settles the big question of whether it’s a gift or a loan.

Divorce court hearing

Business, director and related-party loans

Director loans, shareholder loans and related-party loans often need to be documented properly – for tax, for your accountant, and to keep everyone honest. We’ll draft agreements that hold up.

Divorce order

Vendor finance and other arrangements

Vendor finance, deeds of loan, debt acknowledgements and similar arrangements. If money’s changing hands and you need it documented, we can help.

Property settlement timing

Advice on an existing agreement

Been handed an agreement to sign? Don’t sign blind. We’ll review it, explain in plain English what you’re actually agreeing to, and flag anything that could bite you later.

What does it cost?

Here’s the ballpark. Every loan’s a bit different, so we’ll tailor a no-obligation quote for you.

Service Empire Legal fee What it covers
Mortgage-linked loan agreement + mortgage circa $2,200 + lodgement fees Loan agreement plus a registered mortgage as security on the property
Standalone loan agreement (no mortgage) circa $2,000 A clear, enforceable agreement without registered security
Advice on a loan agreement circa $1,200 – $1,500 Review and plain-English advice, depending on length and complexity

Every loan is unique, so the figures above are a guide only. Get in touch and we’ll give you a tailored, no-obligation quote for your situation – no surprises.

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The gift vs loan trap

Here’s the one that catches people out. Hand over money without documenting it and the law may treat it as a gift – meaning you’ve no right to get it back, and it could be split in a family law dispute or counted oddly in your estate. If it’s genuinely a loan, you need to prove it: a written agreement, a repayment expectation, ideally a record of repayments. The fix is simple – decide whether it’s a gift or a loan, and get it in writing.

How it works

1. Tell us the basics. Who’s lending, who’s borrowing, how much, and whether it’s secured against property.

2. We draft your agreement. Clear, enforceable and in plain English – usually turned around quickly.

3. Everyone signs. We only ever act for one party, so the other side gets their own quick independent advice.

4. Done. Peace of mind, in writing.

Frequently asked questions

If you want to prove the money was a loan and not a gift, and be able to enforce repayment, yes. Verbal agreements can be legally valid but they’re a nightmare to prove. A written agreement saves the argument later.

A mortgage-linked loan is registered against the borrower’s property, so if they don’t repay you have security over the property. A standalone agreement is still enforceable but isn’t secured against an asset. Which one’s right depends on the amount and the relationship.

Absolutely – family loans are one of the most common things we draft. Getting it in writing protects both the loan and the relationship, and you can read more in our guide on lending money to family.

It matters a lot – for tax, for your estate, and if a relationship breaks down. We’ll help you document it correctly so there’s no doubt later.

Most agreements are turned around quickly. Tell us your deadline when you get in touch and we’ll let you know what’s possible.

No. We only ever act for one party in a transaction so there’s no conflict of interest. We’ll act for either the lender or the borrower, and the other party should get their own independent advice.

A mortgage-linked loan is registered against the borrower’s property, so if they do not repay you have security over the property. A standalone agreement is still enforceable but is not secured against an asset. Which one is right depends on the amount and the relationship.

It matters a lot, for tax, for your estate, and if a relationship breaks down. We will help you document it correctly so there is no doubt later.

Most agreements are turned around quickly. Tell us your deadline when you get in touch and we will let you know what is possible.

No. We only ever act for one party in a transaction so there is no conflict of interest. We act for either the lender or the borrower, and the other party should get their own independent advice.

Ready to get it sorted?

Call 07 3088 7675 or fire us an email – we’ll get you a quote fast.

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Read: Vendor finance in QLD: how it works and what to watch out for

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Phone
07 3088 7675

Email
info@empirelegal.com.au

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9/83 Leichhardt St, QLD 4000

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98 Glenora St, QLD 4178

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