Banking & Finance

Banks and financial service providers operate in one of the most regulated, competitive and rapidly evolving environments in Australia. When these businesses seek legal support, they need more than technical expertise – they need advisors who understand how Authorised Deposit-taking Institutions (ADIs), lenders, fintechs and other financial institutions truly operate in practice.

At Hunt & Hunt Lawyers, our Banking & Finance team combines deep sector knowledge, risk management capability, and a commitment to innovation to help clients confidently navigate an increasingly complex landscape. We understand the Australian banking and financial services environment, including the pressures created by regulatory reform, technological change and shifting customer expectations.

Our team brings extensive experience acting for major banks, non-bank lenders, credit unions, mutual banks, mortgage providers, digital and fintech-driven lenders, superannuation and investment funds, as well as a wide range of corporate borrowers, government bodies, entrepreneurs, investors and private clients. Clients value our ability to stay ahead of market developments and industry trends, ensuring our advice is both forward-looking and commercially grounded.

Our lawyers are trusted to advise on issues spanning regulatory compliance, lending transactions, loan documentation, mortgage processing, enforcement, restructuring, cross-border financing, financial services regulation, and complex risk governance matters. We work closely with clients to tailor our advice to their operational environment, risk appetite and strategic objectives, whether they are large financial institutions, rapidly scaling fintechs or specialist lenders operating in niche markets.

Who We Work With

We act for a diverse range of banking and financial services participants, including:

Australian banks, non-bank lenders and mutual banks
Fintechs and digital lenders, including early-stage and scaling start-ups
Corporate borrowers across property, construction, transport, business services, retirement living, hospitality and managed investment schemes
Superannuation and investment funds
Local government
Accounting, advisory and insolvency firms requiring specialist banking and finance expertise
Entrepreneurs, private investors and family groups

Our advice is tailored to organisations of all sizes – from large banks to emerging financial service providers.

Our Expertise

We advise across the full banking and financial services landscape, including:

Finance transactions (residential, commercial, cross-border, project and syndicated finance)
Consumer credit and retail finance
Loan and mortgage documentation and processing
APRA prudential standards and compliance
ACCC, ASIC and AUSTRAC reporting and regulatory engagement
Internal Dispute Resolution (IDR) and External Dispute Resolution (EDR) (including AFCA)
AML/CTF risk assessments, programs and governance
Licence applications and compliance advice (Australian Credit Licences and AFSLs)
Product T&Cs, disclosure requirements and customer communications
Privacy, data protection and cyber-related governance
Debt recovery and mortgage enforcement
Managed investment schemes

Our Banking & Finance team also works closely with the firm’s corporate, commercial, intellectual property, employment, and disputes practices, ensuring clients receive an integrated, end-to-end service.

Regulatory & Compliance

We help clients manage obligations under banking and financial services legislation, prudential standards and industry codes. This includes responsible lending, privacy and data governance, unfair contract terms, breach reporting, complaints handling and governance frameworks. We translate complex regulatory requirements into practical, operationally workable guidance that supports sound customer outcomes and reduces regulatory risk.

Consumer Credit

We support lenders across all aspects of consumer credit compliance. This includes preparing loan and mortgage documentation, advising on NCCP and responsible lending obligations, managing licensing requirements, developing practical compliance frameworks, resolving disputes and supporting remediation programs. Our advice is clear, solutions-focused and aimed at minimising exposure to regulatory scrutiny and customer detriment.

AML/CTF

We assist established reporting entities with AML/CTF Act obligations, including ML/TF risk assessments, program design, governance frameworks, AUSTRAC engagement, reporting processes, and compliance training. For Tranche 2 entities soon to fall under AUSTRAC’s remit, including professional service providers, we deliver the guidance, tools and documentation needed to build effective systems and prepare for incoming legislative and regulatory requirements.

Commercial Lending

We advise lenders and borrowers on commercial, property, construction and acquisition finance, providing clear guidance on structuring, documenting and completing transactions. Our work includes due diligence, risk assessment, negotiation and ensuring financial arrangements are commercially sound and compliant across diverse industry sectors.

Mortgage Processing

Our highly experienced mortgage paralegals support every stage of the loan lifecycle. Whether assisting first home buyers, refinancers, customers seeking further advances or borrowers discharging their mortgage, we provide fast, accurate documentation and settlement support. We process thousands of residential mortgage matters annually, with deep PEXA expertise and efficient turnaround times.

Disputes & Recovery

We manage security enforcement, asset realisation and debt recovery across all jurisdictions. Our approach focuses on efficiency, clarity, and commercially sound strategies that protect lenders’ interests, minimise losses and resolve matters promptly. We also advise on litigation, dispute resolution, and insolvency-related matters.

Why Choose Us

Clients choose us because we:

Combine deep industry insight with strong technical capability
Provide practical, commercially focused advice
Move quickly and cut through complexity
Offer national coverage supported by local market understanding
Respond rapidly to evolving regulatory requirements
Embrace innovation to enhance client efficiency and future-proof compliance systems
Maintain strong, ongoing client engagement grounded in trust, expertise and industry awareness