Expertise

Banking & Finance Law

BANKING & FINANCE LAWYERS SHELLHARBOUR

Finance Law Specialists

Whether you're starting a new business or managing day-to-day operations, our team offers a comprehensive range of legal services to support your financial and commercial objectives.

Complete Range of Services

From preparing loan agreements and reviewing compliance obligations to advising on finance structures, we offer practical support designed to help you achieve strong results in a commercial setting.

Readily Accessible

With offices throughout Shellharbour and the broader Illawarra region, we’re well placed to assist both individuals and businesses with accessible and reliable legal services.

Tailored Legal Solutions

At Kells, we don’t offer off-the-shelf solutions. We take the time to understand your priorities and deliver legal outcomes that align with your business goals and support long-term growth.

Here To Help

Need help securing financing or drafting clear, reliable loan and security documents? Unsure about your responsibilities in a lending arrangement? Banking and finance law is complex, heavily regulated, and carries significant financial consequences for both borrowers and lenders.


At Kells, we offer in-depth legal support for institutional and private lenders, brokers, and borrowers. We focus on helping you carry out transactions that are enforceable, well-documented, and aligned with your commercial goals, enabling you to move forward with confidence.

How Can Our Banking & Finance Lawyers in Shellharbour Help?

A clear legal strategy is paramount in any financial transaction. With strict regulations, complex compliance requirements, and the potential for significant financial exposure, handling banking and finance matters without the right support can lead to unnecessary complications.


At Kells, our banking and finance lawyers in Shellharbour work with both lenders and borrowers, offering more than just assistance with loan and security documents. We also provide advice on finance arrangements, compliance obligations, and managing risk across a variety of transactions. Our aim is to help structure your dealings in a way that protects your interests while supporting your commercial priorities.


We act for a wide range of clients, including institutional lenders, private financiers, business owners, and individuals. Our understanding of both sides of the transaction means we can deliver practical, commercially aware advice. Whether you’re securing finance, preparing documentation, or looking to enforce an agreement, we’ll help you manage risk and move forward.


Here’s how we assist lenders and borrowers:

  • Lenders

    Our team has broad experience in both setting up loan arrangements and acting on enforcement matters.


    Loan origination

    We’ve prepared and documented more than 12,000 consumer and commercial loans, covering a wide range of security structures. These include unsecured loans, mortgages, security interests, guarantees, and caveats.


    We focus on accuracy and efficiency, delivering clear, reliable documentation with quick turnaround times. This helps our clients meet tight deadlines that often come with borrower-led transactions.


    Our team also develops and reviews template loan and security documents to meet ongoing legal and regulatory requirements. We provide support across trust deeds, building contracts, presale agreements, and related due diligence, giving lenders the confidence to proceed with agreements that are properly structured and enforceable.


    PPSR

    We handle Personal Property Securities Register (PPSR) registrations for lender clients. This includes making sure that security interests over personal property are lodged correctly and within the required timeframe so they can be enforced if needed.


    Enforcement

    We’ve acted in more than 800 mortgage enforcement and possession matters, including those involving fraud and claims of unconscionable conduct.

  • Borrowers

    We support borrowers with practical financing strategies, reviewing and structuring securities, and helping to negotiate loan terms that suit their goals.


    Our Shellharbour banking and finance team advises on a wide variety of lending arrangements, including mortgages, charge finance, equipment finance, reverse mortgages, and guarantees. We aim to make sure borrowers understand both their obligations and their rights, helping them move forward with confidence.


    For clients involved in lending between their own entities, we work alongside their accountants and advisors to properly document and secure these transactions. This reduces risk and ensures clear, enforceable agreements.

Get Expert Banking & Finance Law Advice in Shellharbour

Need help with a matter involving banking and finance law? Kells is here to provide the legal advice you need. Get in touch and discuss your matter with one of our experienced lawyers.

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