Mortgages & Loans Sydney - Trusted Advice
Guiding Sydney clients through discharging, transferring and securing mortgages and loans - with clear advice and fixed-fee pricing.
- Representing you and your interests, always
- Experienced and approachable
- Quality, responsive advice
- Compassionate, careful listening
Client Reviews
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"As a first time buyer, I needed careful guidance in my journey to becoming a home owner, I found that in Harriss Jones Lawyers. The efficiency, attention to detail and clear communication from Kathryn and the team meant that I could relax every step of the way until I signed on the dotted line."
Margi de Ferranti
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"Cannot thank Kathryn and Annette enough for the help they provided at a tough time. Not only legally but - especially - for liaising with the aged care facility where a loved one is staying. They saved us a significant amount of money and stress. Thank you all so much."
K Smith
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"The care and support the team at Harriss Jones gave was outstanding. They genuinely care about their customers and I will be using them again."
Kate Redpath
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"As a first time buyer, I needed careful guidance in my journey to becoming a home owner, I found that in Harriss Jones Lawyers. The efficiency, attention to detail and clear communication from Kathryn and the team meant that I could relax every step of the way until I signed on the dotted line."
Margi de Ferranti
-
"Cannot thank Kathryn and Annette enough for the help they provided at a tough time. Not only legally but - especially - for liaising with the aged care facility where a loved one is staying. They saved us a significant amount of money and stress. Thank you all so much."
K Smith
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"The care and support the team at Harriss Jones gave was outstanding. They genuinely care about their customers and I will be using them again."
Kate Redpath
More reviews on Google Reviews →
Looking for mortgage & loan advice?
A mortgage is a loan secured against property. If you stop paying, the lender can sell the property to recover the money. That's why it's important to understand what you're signing and what happens next.
We help with the legal side of mortgages and loans, including family loans. We explain each step in plain English, so you can make decisions with confidence.
Areas we can help with
Discharging a mortgage once your loan is paid out
Transferring or refinancing a mortgage
Family loan agreements, including the bank of mum and dad
Guarantor arrangements and independent legal advice
Second mortgages and private loans
Understanding mortgages & loans
Loans are used in many ways, and the documents involved need to be done correctly and registered. A discharge of mortgage releases the lender's interest in your property once your loan is paid out and needs to be registered on your title so the mortgage is removed. A transfer of mortgage moves a mortgage from one lender to another. We explain when each is used and handle the legal steps.
Tailored advice for your situation
Every borrower and lender is different, so we shape our advice on your specific circumstances.
Paid off your loan? We make sure the mortgage is properly discharged from your title.
Refinancing? We help with the legal steps when you move your loan to a new lender.
Lending to your children? A clear written agreement makes clear whether money is a loan or a gift, how it will be repaid and what happens if circumstances change. A family loan can also be secured by a registered mortgage over the property.
Borrowing from family? We help you understand the terms, repayments and what happens if circumstances change.
Asked to be a guarantor? You can become responsible for the loan if the borrower can't repay it. We explain the risks clearly and provide independent advice.
Separating? We help you deal with a joint loan or remove someone from a mortgage or title. The lender must usually agree.
What are the potential risks?
Mortgage and loan documents have legal consequences long after you sign, so it is important to understand them before you commit. Documents such as a discharge or transfer of mortgage also need to be done correctly and registered on your title to take effect.
Speak to Sydney's mortgage & loan lawyers
Whether you're borrowing, lending or guaranteeing a loan, Harriss Jones Lawyers has the experience to guide you through every stage. Our team explains each step in plain English so you can make decisions with confidence.
Call us today on 02 9575 7541 or complete the enquiry form below.
Why choose Harriss Jones Lawyers
Our experienced, approachable team listens first, gives you clear, responsive advice, and acts for you and your interests at every step.
From your first conversation, we take the time to understand your situation, plan ahead and deal with everyone involved on your behalf - so your matter is shaped around you, and the right questions are asked before they become problems.
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1. Get in touch
Contact us early so we can understand your situation and goals.
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2. Review & advise
We assess the details and explain your options in plain English.
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3. Plan your next steps
We confirm the approach, timeline and fixed fee upfront.
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4. We get it done
We manage the work and keep you updated through to completion.
Meet Our Team
Two Principal Solicitors and two licensed conveyancers, focused on getting your settlement right.
Kathryn Harriss
Solicitor
Along with Melanie, we commenced our practice with the goal to provide quality legal advice and assist people to navigate through the law.
Melanie Jones
Solicitor
Harriss Jones Lawyers has been a fulfilling and exciting adventure, and it is great to see our team develop and grow.
Nicole Aghabi
Solicitor
I've recently joined Harriss Jones Lawyers that brought our practices together. We're now able to provide support focused on Surrogacy.
Sarah Murray
Licensed Conveyancer
Working at Harriss Jones Lawyers has given me a great start to my legal career and has allowed me to learn so many important skills.
Annette Suann
Licensed Conveyancer
With over 30 years experience in conveyancing, it has been great to be part of a female team where we share a common passion.
Khajinder Kaur
Senior Associate Solicitor
As a family lawyer and Family Dispute Resolution Practitioner, I help clients through separation, parenting, property and family violence matters. I focus on resolving disputes through negotiation wherever possible, so families can avoid the stress and cost of court.
Amelie Curley
Legal Clerk
I'm completing a double degree in Laws and Medical Science at UTS while gaining hands-on experience at Harriss Jones Lawyers. I mostly assist with Wills and estate planning matters, and I'm enjoying learning something new every day.
Nicole Thorne
Receptionist / Office Administration
With over 30 years' experience, I'm the first smiling face you'll meet when you walk into our office. I look after the firm's correspondence, safe custody records and staff diaries.
Our Legal Services
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Frequently Asked Questions
Answers to the questions we hear most often about mortgages and loans.
What is a discharge of mortgage?
It's a document that releases the lender's interest in your property once your loan is paid out. It needs to be registered on your title so the mortgage is removed.
What is a transfer of mortgage?
A transfer of mortgage is a document that moves a mortgage from one lender to another. It needs to be done correctly and registered. We can explain when it's used.
Do I need a written agreement for a family loan?
It's strongly recommended. A written agreement makes clear whether money is a loan or a gift, how it will be repaid and what happens if circumstances change.
Can a family loan be secured against a property?
Yes. A loan between family members can be secured by a registered mortgage over the property. We can advise whether this suits your situation.
I've been asked to be a guarantor. What should I know?
As a guarantor, you can become responsible for the loan if the borrower can't repay it. Lenders often ask you to get independent legal advice first. We can explain the risks clearly.
Can I take someone off a mortgage or title?
Often, yes, but the lender must usually agree, and the title may need to be changed. This is common after separation. We can help you through it.
What is your pricing?
At Harriss Jones Lawyers, after meeting with you to find out what you need, we will provide you with clear information on our professional fees that is specific to your matter. For more information get in touch with our team.
Our Legal Insights
Legal advice you can count on
Whatever brings you here - property, family, wills and estates, or business - call us, book a call directly, or complete the form and we'll be in touch.
- 02 9575 7541
- Contact Us
- 572 Box Road, Jannali, NSW 2226
- Mon–Fri, 9:00am – 5:00pm
Helping you through the key milestones of life - from property and family law to wills, estates and business.
Business Details
Harriss Jones Lawyers Pty. Ltd.
ABN: 84 165 555 233
Principals: Kathryn Harriss and Melanie Jones
Liability limited by a scheme approved under Professional Standards Legislation.
© 2026 All rights reserved
Contact us today
- Phone: 02 9575 7541
- Address: 572 Box Road, Jannali, NSW 2226
- PO Box: PO Box 249, Oyster Bay, NSW 2225
