Lending and Financing

We provide expert legal advice on lending and financing, supporting borrowers, lenders, investors, and businesses across the Waikato and New Zealand.  Our Commercial and Property teams are experienced in advising on a wide range of financing arrangements, ensuring transactions are structured clearly, securely, and in compliance with New Zealand law.

Lending and financing arrangements can be complex, involving significant financial risk and regulatory requirements.  We assist clients with residential, commercial, and rural lending, including bank financing, private lending, shareholder loans, and intercompany funding.  Our lawyers advise on loan agreements, mortgages, guarantees, priority arrangements and other security documents, ensuring our clients’ interests are properly protected.

Informal lending arrangements and deeds of acknowledgement of debt between friends and whānau are also something we regularly advise on.  While these arrangements may feel straightforward at the time, proper documentation protects all parties if relationships or circumstances change in the future.

We also support clients with refinancing, debt restructuring, and variations to existing finance arrangements.  Our team provides clear advice on the Personal Property Securities Act (PPSA), mortgage and security enforcement, and lender remedies, helping clients understand their rights and obligations throughout the life of a loan.

For lenders, we assist with documenting lending arrangements, managing compliance, and, alongside our Disputes Resolution team, enforcing securities where required.  For borrowers, we provide practical advice on loan terms, risk allocation, and negotiation, helping them make informed decisions and avoid unexpected liabilities.

McCaw Lewis is committed to delivering practical, strategic advice that supports successful financing outcomes.  We work collaboratively between our teams to offer our clients comprehensive support across property, commercial, agribusiness, and development projects.

If you need reliable, forward‑thinking advice on lending or financing, contact McCaw Lewis today. Our team is dedicated to helping you achieve secure, compliant, and effective funding solutions.