Property Law

Mortgages & Guarantees

Mortgages & Guarantees

Legal Services

Navigate Law can assist you with the following services:
Frequently Asked Questions

A guarantee is a promise by one party (the guarantor) in favour of another party (the beneficiary) to fulfil the obligations of a third party (the primary obligor) if the primary obligor defaults.


Often a guarantee relates to the payment of a monetary debt (for example money owing under a lease or loan agreement) but can also include obligations to perform.


As a business owner or company director, you may be required to provide a personal guarantee to a supplier providing goods on credit or to a lender advancing funds or to your landlord if you lease business premises.


Guarantees are also commonly used by lenders in situations where parents are requested to guarantee loans taken out by their children, for instance, where there is an insufficient deposit or the borrower is considered “high risk”.


A guarantee may also involve the lender taking security, for example in the form of a mortgage, over the guarantor’s own property.


As the giving of a guarantee involves substantial financial risks, it is essential that you obtain legal advice prior to signing a guarantee.  It is also recommended that you obtain advice from your financial advisor and consider how the guarantee may affect your future personal financial plans.

A reverse mortgage is a type of loan that allows you to borrow money using the existing equity in your home as security.


Interest is charged like any other home loan, except you don’t have to make repayments while you live in your home – the interest compounds over time and is added to your loan balance.


You must repay the loan in full (including interest and fees) when you sell or move out of your home.


At Navigate Law, we can review and explain the terms and conditions of your reverse mortgage.  You should also consider getting financial advice before you commit to a reverse mortgage.

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Property Law

Other Services

Property Law

Conveyancing (Buying & Selling Real Estate)

As buying or selling a home is likely one of the biggest financial decisions you will ever make, it is important that you use a conveyancing lawyer you can trust. Be sure to have our team review your contract before you sign it.
Property Law

Matrimonial and
Family Transfers

Often when couples separate, they may agree that one of them will retain the home, and this will generally involve a transfer of the other’s interest in the property. Navigate Law has extensive experience with these transactions.
Property Law

Developments, STRATA TITLING & Body Corporate

From Land subdivisions and Multi-lot/strata title developments to and drafting disclosure documents and “off the plan” contracts, Navigate Law is experienced in residential and commercial property developments.


Our office will be closed for the holiday period from 5pm December 21st and will re-open 9am Monday 4th January 2021. Please note that our emails / phone will not be monitored during this period and if you have an urgent matter or query, we recommend you seek alternate legal advice.

From the entire team at Navigate Law we thank you for your support in what has been a challenging year.
We wish you all a very Merry Christmas and a Happy New Year and look forward to working with you in 2021!


Our office is open during standard business hours. Your cooperation is appreciated to help reduce the risk of local infections. Accordingly, we request that you do not attend our office if you are feeling unwell, have recently returned from overseas, travelled inter-State or a declared COVID hotspot or have been in contact with anybody who has.
To ensure the safety of our workplace is maintained, we also prefer that you do not attend the office in person unless you have a pre-arranged appointment. We wish to assure our clients that we will remain open for business and have the capabilities to work remotely if required to ensure continuity of service.
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