Best Mortgage Lawyers in Christchurch

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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...
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...
MDS Law
Christchurch, New Zealand

Founded in 2012
10 people in their team
Māori
English
Embrace thinking:{mds} law is a medium sized specialist property and commercial law firm based in Christchurch, New Zealand.  We act for clients locally and nationally and also act for international clients with businesses or property in New Zealand as well as those looking to invest in New...
Lawhub - Law Firm
Christchurch, New Zealand

Founded in 2017
50 people in their team
Lawhub is a boutique law firm which specialises in immigration, criminal, family, matrimonial, property, employment, and estate law. With offices in Christchurch and Hamilton, our team have been providing quality legal advice since 2017.‍At the heart of everything we do is genuine care for...
Lane Neave
Christchurch, New Zealand

Founded in 1868
200 people in their team
Māori
English
Lane Neave is committed to solving problems and realising opportunities for our clients.We tap into more than 150 years of experience and provide our hugely talented pool of emerging and current legal experts with the opportunity to make the complex simple.We provide clear, decisive legal advice...
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...
Malley & Co Lawyers
Christchurch, New Zealand

Founded in 2000
50 people in their team
Māori
English
Working with us is easy and understandable.Information Gathering The first step is to understand the challenge that you're facing, what's important to you and what you'd like to achieve as your desired outcome.Analysis We will then consider all of the information you have provided to us,...
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...
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,...
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,...
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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.