Best Mortgage Lawyers in Christchurch

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Saunders & Co Lawyers
Christchurch, New Zealand

Founded in 1922
200 people in their team
Māori
English
SAUNDERS & CO IS A FIRM OF CHRISTCHURCH LAWYERS EXPERIENCED IN COMMERCIAL AND CORPORATE MATTERS, INTELLECTUAL PROPERTY, RESIDENTIAL PROPERTY, LITIGATION, IMMIGRATION, FAMILY, CRIMINAL , TAX, RESOURCE MANGEMENT AND ENVIRONMENTAL LAW.Our Christchurch law firm office is divided into teams.The...
Linwood Law
Christchurch, New Zealand

Founded in 2000
10 people in their team
Māori
English
Linwood Law Limited is a firm of lawyers committed to providing a professional and friendly service to our clients. “A Lifetime of Support”Linwood Law began life as the branch of a large Christchurch firm more than 20 years ago. It then evolved to become its own separate firm. Now owned by...
Prime Legal Ltd
Christchurch, New Zealand

Founded in 2000
50 people in their team
Māori
English
Prime Legal Ltd is an established family friendly law firm. Our team is made up of 4 lawyers, a senior legal executive - not forgetting the office pooches, Olaf and Josie.Our team has a wide skill base so we can cater for your legal needs from cradle to grave. Our legal team are experienced and...
Cavell Leitch
Christchurch, New Zealand

Founded in 1923
200 people in their team
Māori
English
Cavell Leitch is a Christchurch based law firm that is here to help our clients, not make it harder. Since the firm was founded in 1923, the firm’s guiding values have remained the same: we provide our clients with clear advice and great service.As we head into our second century in business,...
Parry Field Lawyers
Christchurch, New Zealand

Founded in 1948
50 people in their team
Māori
English
To the heart of what matters” Our tagline was developed just before the Canterbury earthquakes in 2011 and it saw us through those difficult times. We see the client in a rounded way and want to help them with ‘what really matters’, for legal services and beyond, when...
Wynn Williams
Christchurch, New Zealand

Founded in 1859
200 people in their team
Māori
English
Wynn Williams is a full-service law firm, with an impressive team of experienced and talented lawyers delivering results for corporates, businesses, institutions and individuals, here in New Zealand and further afield. For more than 163 years, we've been known for our technical excellence,...
Weston Ward & Lascelles
Christchurch, New Zealand

Founded in 1883
50 people in their team
Māori
English
You receive quality and practical advice from a highly experienced legal team. We deliver an exquisite service at the most cost-effective price. Weston Ward & Lascelles has been providing quality legal advice since 1883. We are medium sized Christchurch law firm with a team of highly...
Darcy Thomson Law Ltd
Christchurch, New Zealand

Founded in 2000
50 people in their team
Māori
English
At D’arcy Thomson Law we provide a high level of specialist property advice on all aspects of property transactions including commercial property, residential subdivisions and unit titles, but we are especially proud of our residential conveyance practice. Being able to come to our property based...
Corcoran French Lawyers
Christchurch, New Zealand

Founded in 1892
50 people in their team
Māori
English
We are large enough to service your legal needs at every turn, but small enough to know you.  Corcoran French is your legal firm for life.We’re big enough that we have our finger on the pulse of legal policies and regulations. At the same time, we are small enough to stay accessible, provide...
Godfreys Law
Christchurch, New Zealand

Founded in 1870
50 people in their team
Māori
English
We’ve proudly been helping Cantabrians like you for almost 150 years.Our aim is to make your life easier.We’re real people, providing real legal solutions.You might have seen our building as you drive down Moorhouse Ave, opposite the Ara Polytech buildings. Just off Washington Way, you will...
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About Mortgage Law in Christchurch, New Zealand:

Mortgage law in Christchurch, New Zealand, forms part of the larger New Zealand conveyancing law. It provides regulations and procedures for making and discharging mortgages. It covers the creation of secured interests over property, protection of borrower's rights, and procedures that lenders must follow in case of default by the borrower. A mortgage in Christchurch, just like elsewhere in New Zealand, is often secured on real estate and is assumed by banks or other financial institutions.

Why You May Need a Lawyer:

There are several scenarios where you might require the services of a lawyer in relation to mortgage law. These situations include when you are in the process of buying or selling property, during refinancing or altering existing loan terms, or if you're facing foreclosure due to mortgage default. Mortgage contracts can be complex, and the correct interpretation is crucial. A lawyer can guide you through the process, ensure all paperwork is correctly completed, and advocate on your behalf should the need arise. If you're in financial difficulties, a lawyer can also provide advice on mortgage relief options available.

Local Laws Overview:

In Christchurch, New Zealand, as party to a mortgage agreement, you are subject to protections under the Credit Contracts and Consumer Finance Act 2003 (CCCFA), part of the wider conveyancing law. The CCCFA sets out responsible lending principles governing disclosure requirements, interest charge, and fees, as well as steps that must be followed before taking possession of a property due to default. The Property Law Act provides for legal safeguards related to mortgage such as the borrower's right to redeem the property, and the right to receive a notice of sale in case of default.

Frequently Asked Questions:

1. What happens if I can't pay my mortgage?

There are several provisions for borrowers who default on their mortgages in New Zealand. Each case is examined individually, and options such as restructuring the loan, adjusting payment terms, or sale of the property may be considered. Foreclosure or repossession is usually considered a last resort.

2. How can I protect my rights when entering into a mortgage contract?

When entering into a mortgage contract, it is advisable to consult a solicitor or conveyancer who can help you understand the terms of your contract. They can also advise you on potential risks and how to safeguard your rights.

3. What legal recourse do I have if my lender doesn't comply with lending principles?

In New Zealand, lenders are bound by the responsible lending principles set out in the CCCFA. If they are in breach of these principles, you can make a formal complaint with your lender, and if not resolved, take the matter to the appropriate Dispute Resolution Scheme, or in some cases, the Commerce Commission.

4. Do I need a lawyer for a mortgage refinancing?

While it isn't compulsory to have a lawyer for mortgage refinancing, it's highly recommended as they can ensure that your interests are safeguarded and can clarify the details of your new contract.

5. Can I change my mortgage contract after it has been signed?

Generally, mortgage contracts are difficult to alter once they've been signed without the agreement of your lender. However, with the support of a lawyer, it's possible to make changes or seek to renegotiate terms where necessary.

Additional Resources:

For more information, you may consider consulting the New Zealand Commerce Commission’s website for guidelines on responsible lending, or the Ministry of Justice’s website for information about property laws. The New Zealand Legislation website is also a valuable resource where you can freely access and view complete legislation including the CCCFA and Property Law Act.

Next Steps:

If you need legal advice, the first step is to find a lawyer or a conveyancer who specializes in mortgage law. It is recommended to contact the New Zealand Law Society or the Property Law Section for a referral. Ensure to gather all relevant documentation related to your mortgage issue before meeting with the legal professional. Remember to always ask questions if you're unsure about anything, and keep all communications with your lawyer for future reference.

Lawzana helps you find the best lawyers and law firms in Christchurch through a curated and pre-screened list of qualified legal professionals. Our platform offers rankings and detailed profiles of attorneys and law firms, allowing you to compare based on practice areas, including Mortgage, experience, and client feedback. Each profile includes a description of the firm's areas of practice, client reviews, team members and partners, year of establishment, spoken languages, office locations, contact information, social media presence, and any published articles or resources. Most firms on our platform speak English and are experienced in both local and international legal matters. Get a quote from top-rated law firms in Christchurch, New Zealand - quickly, securely, and without unnecessary hassle.

Disclaimer:
The information provided on this page is for general informational purposes only and does not constitute legal advice. While we strive to ensure the accuracy and relevance of the content, legal information may change over time, and interpretations of the law can vary. You should always consult with a qualified legal professional for advice specific to your situation. We disclaim all liability for actions taken or not taken based on the content of this page. If you believe any information is incorrect or outdated, please contact us, and we will review and update it where appropriate.