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.
Real solicitors, not templates
Your agreement is drafted by experienced Queensland solicitors who know the law – not a generic template off the internet.
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
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.
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.
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.
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.
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.
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.
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.
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
Do I really need a written loan agreement?
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.
What’s the difference between a loan with a mortgage and one without?
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.
Can you help with a loan to a family member?
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.
Is the money I’m giving a gift or a loan?
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.
How long does it take?
Most agreements are turned around quickly. Tell us your deadline when you get in touch and we’ll let you know what’s possible.
Can you act for both the lender and the borrower?
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.
