---
title: "Enforcement Costs"
description: "Enforcement is a delicate matter because it involves a lender suing their customer. We advise lenders to keep default rates and fees moderate, and we keep our own enforcement fees as low as possible."
url: "https://bransgroves.com.au/policies/enforcement-costs/"
breadcrumb: "Policies / Enforcement Costs"
parent: "../index.md"
updated: "2026-09-18"
---

# Enforcement Costs

Policies › Enforcement Costs

Enforcement is a delicate matter, this is because it involves a lender suing their customer. This is obviously unavoidable but nevertheless can be extremely damaging to the lender’s reputation if not handled fairly. A borrower who has fallen on hard times, and is already facing financial distress, should not be harshly dealt with because they will bear the lender ill will, and so will the broker who introduced them.

At Bransgroves Lawyers we have seen many lenders come and go over the years. We have observed that after several years of gouging equity from defaulting borrowers there is an inevitable repercussion for the lender in terms of new business. Australia may be a big country but the commercial mortgage market is a small world. Brokers get new business from referrals and repeat business. If a lender destroys their clients then the lender is destroying their future business pipeline. Therefore brokers learn to avoid lenders who gouge out equity in the event of a default through excessive legal fees and rapacious default rates. Word of mouth is passed between brokers and the lender becomes pigeonholed as oppressive and finds it difficult to get quality business in the future.

Accordingly, we advise all lenders to have moderate default rates and fees and for our own part we aim to keep our fees as low as possible. We do this by acting quickly, avoiding unnecessary work, and charging modest fees for the work that we do. We regard our enforcement department as a necessary support service for our clients, not an opportunity for plunder. Our aim is for borrowers when they see our fees to concede that they were treated fairly.

Our enforcement fees are set out on the [Fees](../../fees/index.md#tab-enforcements) page.

---

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