Create a bespoke document in minutes, Â or upload and review your own.
Get your first 2 documents free
Your data doesn't train Genie's AI
You keep IP ownership of your information
Mortgage And Security Agreement
"I need a Mortgage and Security Agreement for a residential property in Auckland, New Zealand, where the borrower is a first-time home buyer taking a loan of NZD 800,000 with completion planned for March 2025, including standard consumer protection clauses and a guarantor provision."
1. Parties: Identification of the mortgagor (borrower) and mortgagee (lender)
2. Background: Context of the mortgage arrangement, reference to facility agreement if separate, and property details
3. Definitions and Interpretation: Key terms used in the agreement, including property definitions, secured amounts, and relevant dates
4. Loan Amount and Interest: Details of the principal sum, interest rate calculations, and payment terms
5. Grant of Mortgage: Legal creation of the mortgage over the property
6. Security Interest: Creation of security interest and specification of secured property
7. Mortgagor's Covenants: Core obligations including property maintenance, insurance, rates payment, and compliance with laws
8. Representations and Warranties: Mortgagor's confirmations regarding property ownership, authority, and absence of encumbrances
9. Events of Default: Circumstances constituting default, including payment defaults, breach of covenants, and insolvency events
10. Enforcement Rights: Mortgagee's rights and powers upon default, including power of sale
11. Costs and Indemnities: Allocation of costs and mortgagor's indemnification obligations
12. General Provisions: Standard clauses including notices, amendments, governing law, and jurisdiction
1. Guarantee: Required when there is a guarantor securing the mortgage obligations
2. Cross-Collateralization: Used when multiple properties or securities are cross-securing multiple facilities
3. Property Development Provisions: Required for properties under development, including construction covenants and staged funding
4. Environmental Matters: Detailed environmental provisions for commercial properties or known environmental risks
5. Leasing Provisions: Required when the property is or may be leased, including restrictions and requirements
6. Unit Title Provisions: Specific provisions required for unit title properties under Unit Titles Act 2010
7. Farm Provisions: Specific provisions for rural properties including stock mortgage and farming covenants
8. Priority Arrangements: Required when there are multiple security holders requiring priority arrangements
1. Property Schedule: Detailed description of the mortgaged property including title references
2. Payment Schedule: Repayment schedule including payment dates, amounts, and interest calculations
3. Insurance Requirements: Detailed insurance requirements including types, amounts, and named insureds
4. Fees Schedule: Schedule of fees and charges associated with the mortgage
5. Initial Disclosure Statement: CCCFA-compliant initial disclosure for consumer loans
6. Guarantor Schedule: Details of guarantors and guaranteed obligations if applicable
7. Existing Encumbrances: List of permitted existing encumbrances on the property
8. Special Conditions: Any special conditions or variations to standard terms
Authors
Banking and Financial Services
Real Estate
Property Development
Residential Housing
Commercial Property
Agricultural and Rural
Construction
Legal Services
Property Investment
Retail Banking
Legal
Credit Risk
Retail Banking
Commercial Banking
Compliance
Property Finance
Mortgage Operations
Securities Administration
Documentation
Risk Management
Relationship Management
Settlement Operations
Credit Assessment
Property Services
Customer Service
Credit Manager
Lending Manager
Property Lawyer
Banking Lawyer
Risk Manager
Mortgage Broker
Property Manager
Commercial Banking Manager
Retail Banking Manager
Legal Counsel
Compliance Officer
Credit Risk Officer
Real Estate Agent
Property Developer
Financial Advisor
Loan Officer
Settlement Officer
Security Trustee Officer
Documentation Specialist
Relationship Manager
Find the exact document you need
Security Agreement Vehicle
A New Zealand law agreement creating a security interest over a motor vehicle, governed by the Personal Property Securities Act 1999.
Alarm Monitoring Agreement
A New Zealand-compliant agreement establishing terms for professional alarm monitoring services between a security provider and customer.
Security Interest Contract
A New Zealand law-governed agreement creating a security interest over personal property, compliant with the Personal Property Securities Act 1999.
Simple Security Deposit Agreement
A New Zealand-compliant agreement establishing terms for handling and returning security deposits between parties.
Pledge Agreement
A New Zealand law-governed security document establishing a pledge over assets as collateral for secured obligations.
Consumer Security Agreement
A New Zealand-compliant agreement creating a security interest over consumer property to secure obligations to a creditor, aligned with PPSA and CCCFA requirements.
Auto Loan Security Agreement
A New Zealand law-governed agreement establishing terms for a vehicle-secured loan, combining consumer credit and security interest provisions under CCCFA and PPSA.
Shareholder Agreement Transfer Of Shares
A New Zealand-governed agreement documenting the legal transfer of company shares between shareholders, outlining terms, conditions, and completion requirements.
Key Holding Agreement
A New Zealand-governed agreement for professional key holding and access management services, establishing security protocols and service provider responsibilities.
Commercial Security Agreement
A New Zealand law-governed agreement creating security interests over personal property, compliant with the Personal Property Securities Act 1999.
Master Security Agreement
A New Zealand law-governed master agreement establishing a framework for creating and managing security interests over various types of collateral.
Convertible Note Agreement
A New Zealand law-governed agreement documenting terms for a loan that can convert into company equity shares, typically used for early-stage company financing.
Mortgage And Security Agreement
A New Zealand law-governed agreement creating a security interest over property to secure loan obligations, compliant with the Property Law Act 2007.
Cross Collateral Agreement
A New Zealand law-governed agreement establishing cross-secured interests over multiple assets to secure multiple obligations between parties.
Intercreditor Agreement
A New Zealand law-governed agreement establishing priorities and relationships between multiple creditors of the same borrower.
Pledge Of Shares Agreement
A New Zealand-governed agreement establishing a security interest over company shares as collateral, detailing pledge terms and enforcement rights under NZ law.
Film Investment Contract
A New Zealand-governed agreement establishing terms and conditions for film production investment, including investment structure, rights, obligations, and profit-sharing mechanisms.
Collateral Trust Agreement
A New Zealand law-governed agreement establishing a trust arrangement for holding and managing security interests on behalf of multiple secured parties in secured financing transactions.
Security Trust Agreement
A New Zealand law-governed agreement establishing a trust structure for holding and managing security interests on behalf of multiple beneficiaries.
Security Sharing Agreement
A New Zealand law-governed agreement establishing the framework for sharing security interests and enforcement proceeds among multiple secured parties.
Convertible Note Purchase Agreement
A New Zealand law-governed agreement for the issuance of convertible notes that can later convert into company equity, typically used in early-stage investment scenarios.
Reverse Repurchase Agreement
A New Zealand law-governed agreement for reverse repurchase transactions, establishing terms for securities purchase with commitment to resell at a future date.
Negative Pledge Agreement
A New Zealand law-governed agreement where a borrower commits not to create security interests over their assets in favor of third parties, protecting unsecured creditors' interests.
Security Lending Agreement
New Zealand-governed agreement establishing terms for securities lending transactions between financial institutions, including collateral and regulatory requirements.
Deposit Control Agreement
A New Zealand law-governed agreement establishing control over deposit accounts between an Account Holder, Secured Party, and Deposit Bank in secured financing arrangements.
Convertible Bond Agreement
A New Zealand-governed agreement documenting terms for bonds that can convert into company shares, combining debt financing with potential equity participation.
General Security Agreement
A New Zealand law-governed agreement creating a security interest over a borrower's assets in favor of a lender, registrable on the PPSR.
Agreement For Sale And Purchase Of Shares
A New Zealand law-governed agreement for the sale and purchase of company shares, detailing transfer terms, warranties, and completion requirements.
Download our whitepaper on the future of AI in Legal
³Ò±ð²Ô¾±±ð’s Security Promise
Genie is the safest place to draft. Here’s how we prioritise your privacy and security.
Your documents are private:
We do not train on your data; ³Ò±ð²Ô¾±±ð’s AI improves independently
All data stored on Genie is private to your organisation
Your documents are protected:
Your documents are protected by ultra-secure 256-bit encryption
Our bank-grade security infrastructure undergoes regular external audits
We are ISO27001 certified, so your data is secure
Organizational security
You retain IP ownership of your documents
You have full control over your data and who gets to see it
Innovation in privacy:
Genie partnered with the Computational Privacy Department at Imperial College London
Together, we ran a £1 million research project on privacy and anonymity in legal contracts
Want to know more?
Visit our for more details and real-time security updates.
Read our Privacy Policy.