Banking & Finance
Our banking and finance lawyers understand the significance and importance of financing to major projects and transactions. Our commercial lawyers are experts in assisting our clients in a wide range of financial documentation and transactional work ranging from general mortgages to corporate refinancing.
Providing integrated solutions
Our Gold Coast lawyers offer a practice that has grown in-depth and breadth in response to a sector that is doing the same. We understand that the complexity and scope of financial arrangements continues to evolve and develop. In response, we offer clients integrated solutions by pulling our expert legal minds from other areas to provide assistance as required. We have a seamless integration between our corporate, commercial M&A, competition, real estate and tax practices that we pass on to our clients.
We have an extensive banking and finance history of executing the transactions we advise on in ways that are equal parts innovative and effective, advising market leaders and smaller entities alike on how to maximise the benefits of their financing structures.
Personal Properties Securities Register (PPSR) specialists
At Ramsden Lawyers, we stay across industry changes. As a result, we swiftly adapted to sweeping changes to personal property registration introduced in 2012 while others remained stagnant. Because of our proactive approach to conducting legal work, we were able to recognise the far-reaching implications of the introduction of the Personal Property Securities Register (‘PPSR’) while industries, even within the legal profession, failed to adapt to change.
The PPSR is now the method for individuals and businesses to register their personal property and any relevant securities over it, including both tangible and intangible property. The property it impacts includes the following: motor vehicles, boats, machinery and equipment, crops, shares, intellectual property, receivables and contract rights.
There is now a prescribed procedure for perfecting any security over personal or business property that includes:
- Drafting an appropriate security agreement to be registered on the PPSR;
- Registering a Personal Monies Security Interest on the PPSR;
- Transitioning an existing security interest to comply with the PPSA;
- Drafting an appropriate PPS lease; and
- Drafting appropriate ‘terms of trade’ or engagement letters that deals with retention of title to comply with the PPSA.
Our commercial lawyers were ahead of the trend on PPSR requirements and now find themselves with exceptional expertise in this area. Our Gold Coast team can provide assistance to businesses to ensure businesses that segregate assets to protect them from riskier elements of the business to ensure that their endeavours are not rendered useless by a failure to abide by PPSR requirement.
Innovative problem-solving capacity
We are capable of executing on the latest deal techniques, terms and procedures. We have the capacity to advise financial institutions, private equity firms, financiers and corporate bodies alike in their financial transactions. We work with our clients to understand their needs and tailor our legal solutions to their needs with innovative deal-making. We are adept at finding a practical solution to your unique situation and are highly responsive to industry changes.
Our Gold Coast team understands that asset financing and leasing transactions can be complex in terms of the decisions that need to be made in regards to business needs, accounting and tax issues and the subsequent legal concerns that arise. Our commercial lawyers have the requisite experience, industry-foresight and innovative thinking to meet the challenges of this dynamic practice area.
We operate across a range of industries from real estate to retail, from dentistry top veterinary care. Our cross sector expertise means we are well-positioned to deliver clear and commercial advise to our long-standing clients.
Our areas of expertise include:
- Acquisitions and leveraged finance
- Asset financing and leasing
- Capital markets
- Corporate lending
- General mortgage and loan documentation
- Lending to funds and financial institutions
- Infrastructure acquisition financing
- Project financing;
- Real estate
- Restructuring and refinancing
- Structured finance
- Trade finance