Banking & Finance Law
Expert banking and finance lawyers and solicitors in Brisbane advising on AFSL compliance, loan agreements, banking regulations, debt restructuring, and financial services licensing. We represent lenders, borrowers, and businesses across Queensland in all types of financial transactions, from commercial lending and project finance to regulatory compliance and enforcement. Our goal is to protect your financial interests whether you are securing finance, structuring complex transactions, or responding to regulatory action.
The banking and finance sector is heavily regulated by ASIC, APRA, and Australian financial services legislation. Even minor oversights — in loan documentation, security registration, or disclosure — can have significant consequences including regulatory penalties, failed transactions, or enforcement action. Our team provides meticulous advice across the full spectrum of banking and finance law, including NCCP compliance under the National Consumer Credit Protection Act 2009 (Cth), PPSA registration under the Personal Property Securities Act 2009 (Cth), corporate lending under the Corporations Act 2001 (Cth), and AFSL licensing requirements. We also advise on debt restructuring, workouts, asset finance, property finance, trade finance, and financial services disputes. We work with banks, non-bank lenders, credit providers, mortgage brokers, fintech companies, and borrowers to ensure every transaction is structured correctly and in full compliance with all applicable laws and regulations. Whether you need a straightforward loan agreement reviewed, a complex syndicated facility negotiated, or regulatory advice on an AFSL breach, our banking and finance solicitors have the expertise to deliver practical, commercially astute solutions.
Contact UsOur Banking & Finance Law Services
- Loan agreement drafting, review, and negotiation
- AFSL licensing and compliance
- ASIC and APRA regulatory compliance advice
- Security documentation, PPSA registration and perfection
- Property, asset, and equipment finance
- Commercial lending, refinancing, and syndicated facilities
- Corporate finance, capital raising, and IPO support
- Banking regulatory compliance under the Corporations Act
- Guarantees, indemnities, and standby facilities
- Financial services licensing and compliance
- Debt restructuring, workouts, and forbearance arrangements
- Secured and unsecured lending
- Project finance and infrastructure financing
- Asset-based lending and invoice finance
- Consumer credit compliance (NCCP Act)
- Loan enforcement, recovery, and mortgagee sales
- Fintech licensing, digital finance, and payment services
- Trade finance, supply chain finance, and receivables financing
- Banking and financial services disputes
- Privacy, data security, and financial services cyber compliance
Banking & Finance Law FAQs (Queensland Law)
What is a loan agreement and what should I look for before signing?
A loan agreement is a legally binding contract between a lender and borrower outlining terms, interest rates, repayment schedules, and security. Before signing in Queensland, you should understand the interest rate, fees, default provisions, and any personal guarantees required.
Do I need a lawyer to review my finance documents in Brisbane?
Yes, having a banking and finance lawyer review your loan documents, security agreements, and guarantees can protect you from unfair terms and hidden obligations. We review commercial loans, property finance, and refinancing arrangements for Queensland businesses.
Related Practice Areas
Loan Agreements & Security Documentation
We act for lenders, borrowers, and financiers in preparing, reviewing, and negotiating loan agreements and all forms of security documentation across Queensland and interstate. Our team has extensive experience drafting facility agreements, mortgage documents, general security deeds, personal property securities register (PPSR) registrations, and guarantees and indemnities. We ensure that each transaction is documented with precision to protect our clients' interests while complying with the National Consumer Credit Protection Act, the Corporations Act, and applicable prudential standards. Whether you are a financial institution advancing funds, a private lender securing a mortgage over real property, or a borrower requiring advice on the terms of your facility, we provide practical, commercial guidance tailored to the specific risk profile and structure of each transaction. Our loan agreement work covers all facilities including overdrafts, term loans, revolving credit facilities, bill facilities, and margin lending arrangements. We draft and negotiate negative pledges, financial covenants, events of default, and cross-default provisions that align with market practice while reflecting the particular risk allocation agreed between the parties. Security documentation is a core focus of our practice. We prepare first and second ranking mortgages over Queensland land, fixed and floating charges under the Corporations Act, security trust deeds for syndicated and bilateral facilities, and personal property securities registrations covering all categories of collateral including accounts, inventory, plant and equipment, and intellectual property. Our team manages priority disputes, subordination arrangements, and intercreditor deeds for transactions involving multiple secured parties. We also advise on the enforcement of securities, including appointment of receivers and controllers, mortgagee sales, and PPSA enforcement pathways.
View ServicesAsset & Project Finance
Our asset and project finance practice provides comprehensive legal services for the financing of major assets, infrastructure projects, and property developments across Queensland and nationally. We act for lenders, borrowers, sponsors, contractors, and other stakeholders in structuring, negotiating, and documenting asset-backed lending and project finance transactions across a diverse range of industry sectors. Our asset finance expertise covers equipment finance, vehicle and fleet leasing, aircraft finance, marine finance, and the financing of industrial plant and machinery. We document chattel mortgages, hire purchase agreements, finance leases, operating leases, and sale and leaseback arrangements, ensuring that each transaction is structured to achieve the client's commercial objectives while optimising tax, accounting, and regulatory outcomes. Our project finance practice encompasses the full spectrum of project financing structures, including limited recourse financing, non-recourse financing, corporate financing, mezzanine financing, and hybrid arrangements.
View ServicesBanking Regulatory Compliance
Our banking regulatory compliance practice provides comprehensive advice to financial institutions, credit providers, fintech companies, and other regulated entities on their obligations under the Australian financial services regulatory framework. We assist clients in understanding and navigating the complex web of statutes, regulations, regulatory guidance, and industry standards that govern the provision of credit and financial services in Australia. Our practice covers all key areas of banking and credit regulation, including the National Consumer Credit Protection Act 2009 and the National Credit Code, the Corporations Act 2001 and the ASIC Act 2001, the Anti-Money Laundering and Counter-Terrorism Financing Act 2006, the Privacy Act 1988 and the Notifiable Data Breaches scheme, and the regulatory standards issued by ASIC, APRA, AUSTRAC, and AFCA.
View ServicesDebt Restructuring & Workouts
Our debt restructuring and workouts practice provides strategic and practical advice to borrowers, lenders, creditors, and other stakeholders facing financial difficulty. We assist clients in negotiating and implementing informal workout arrangements and formal restructuring transactions designed to address financial distress, preserve value, and achieve the best possible outcome for all parties involved. Our practice covers the full spectrum of restructuring and workout options, from informal forbearance arrangements through to formal debt restructuring transactions, debt for equity swaps, and pre-insolvency and insolvency processes. We act for companies and their directors seeking to restructure their debt obligations, lenders and creditors seeking to maximise recovery on defaulted loans, and other stakeholders including shareholders, guarantors, and suppliers.
View ServicesCommercial Lending & Refinancing
Our commercial lending and refinancing practice covers the full spectrum of lending transactions for businesses, from small-to-medium enterprise facilities through to complex corporate and institutional financing arrangements. We advise lenders, borrowers, and intermediaries on the structuring, documentation, negotiation, and settlement of commercial loans, refinancing transactions, and debt consolidation arrangements across Queensland and nationally. Our expertise spans all forms of commercial debt facilities including term loans, overdrafts, commercial bills, revolving credit facilities, and working capital lines. We work with banks, non-bank lenders, private credit funds, and alternative financiers to develop loan structures that meet the specific requirements of each borrower while managing the lender's risk exposure appropriately. We provide comprehensive advice on refinancing transactions, acting for borrowers seeking to refinance existing debt facilities and for lenders providing new facilities to refinance existing obligations. Our refinancing work includes advice on early repayment and break costs, variation of existing facility documents, discharge and re-registration of securities, and the interaction between existing and incoming security arrangements.
View ServicesLast updated: July 2026
Our Approach to Banking & Finance Law
We take a detail-oriented, commercially aware approach to banking and finance law. Every engagement begins with a thorough understanding of your transaction objectives and risk profile. We then develop tailored solutions that balance legal compliance with commercial practicality — whether that involves negotiating complex loan agreements, structuring multi-party financing arrangements, navigating AFSL licensing, or responding to regulatory investigations under the Corporations Act. Our proactive approach identifies compliance gaps, documentation risks, and regulatory exposure before they become problems. We work closely with your accountants, financial advisers, and transaction advisers to ensure seamless execution.
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