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    Mortgages & Other Security Documents

    Entering into a mortgage or other type of security can be a risky endeavour. The Business Team at Ryan Murdoch O’Regan offer professional and concise advice on mortgages and other types of security documents to help you minimise this risk as much as possible.

    A mortgage is entered into when you pledge your property to a lender as security for a mortgage loan. In effect, a mortgage will transfer your interest in land to the mortgage lender on the condition that this interest will be returned to you when the terms of the mortgage have been satisfied. In essence a mortgage acts as a security for the loan that the lender makes to you.

    In practice you give the lender the mortgage as security for the loan and the lender gives you the funds. You are required to make the agreed repayments and you maintain possession of the property. If you fail to repay the loan then the lender has the right to foreclose on the property.


    Foreclosure means that the lender will have the right to take possession of the property and dispose of it in the manner they wish usually by way of sale.  Given the large sums of money that are usually involved in financing a property or commercial venture a mortgage lender will usually want a security for the loan that places them ahead of all other creditors.

    It is easy to understand the need for professional advice prior to entering into a mortgage considering the possible repercussions should there be any default on the loan.  At Ryan Murdoch O’Regan we will explain the effect of your mortgage or other security documents in an up-front and in-depth manner to ensure that you understand your responsibilities under the security documents.

    We can guide you through the process of entering into a mortgage or other security document as well as offer pertinent advice on issues that may arise during the length of the mortgage or other security document.

    Mortgages & Other Security Documents Team