Introduction

Whether you’re refinancing to obtain a better lending rate, restructuring a loan after a relationship break-up, lending money to a family trust or business, or accessing finance for residential improvements, refinancing and mortgage lending can come with complex legal steps. Harris Tate makes the process simple. Whether you’re an individual, a family, a business, or a trust, we support you every step of the way providing clear guidance to help you understand your lender’s requirements to enable your refinance to be completed swiftly and efficiently.

Refinancing Your Property the Right Way

Refinancing can be a great way to reduce repayments, access equity, or refinance to another bank with better terms, but it needs to be done properly. We carefully review your new loan documents to provide clear advice on the making sure they align with your financial goals. From lending terms and bank securities to fees and guarantees, we help demystify the process and the fine print.

We also manage the process of releasing and repaying your existing mortgage.

Acting for Borrowers

When it comes to borrowing, as a borrower, it’s important to understand exactly what lending terms you’re committing to. We work closely with you on reviewing loan agreements, mortgage documentation, securities and guarantees required by your lender, ensuring the terms and securities are appropriate, while meeting your lender’s expectations.

Acting for Private or Institutional Lenders

Providing financial accommodation to a family member, or a business?. We can help draft comprehensive loan agreements and supporting security documents. Whether as a private lender, or where facilitating commercial lending, we will ensure that your interests are legally enforceable with the right security in place that protects your position in the transaction.

Transferring Property into a Trust, or needing to update Trustees?

Whether you are contemplating placing your property into a Trust, or if you need to update a trustee on the title (whether by retirement or appointment), we can walk you through the legal requirements working with you and your accountant to ensure that the structure is tailored to your specific objectives and needs.

Why Choose Harris Tate?

• Clear and practical advice.
• A reputation built on trust across Tauranga’s diverse community over more than 40 years.
• Lending expertise across residential, commercial and bespoke financing arrangements.

Let’s Talk

Whether you are refinancing, restructuring, obtaining new lending, or are the lender – Harris Tate can help you get it sorted, clearly, confidently, and efficiently.