Introducing,
Title Insurance.
We protect your property transactions from those unwanted surprises that cause grief for all parties.
Since 1996, we’ve provided lenders with Title Insurance for hundreds of thousands of residential and commercial mortgage transactions in Australia and New Zealand.
We protect your property transactions from those unwanted surprises that cause grief for all parties.
Since 1996, we’ve provided lenders with Title Insurance for hundreds of thousands of residential and commercial mortgage transactions in Australia and New Zealand.
Duty to defend.
When your clients’ property rights are questioned due to a covered risk, we’ll step in with what we call our "duty to defend," covering all associated costs, legal fees, and expenses*, so your client can put going out of pocket, out of mind.
*For specific coverage and exclusions, refer to the applicable policy, schedule or endorsement.
Fine tuned to best fit.
Our policies wrap every property in protection tailored to your clients’ situation and scale.
Our FASTRefi® service benefits lenders and borrowers alike by reducing settlement timeframes, providing certainty of funding date for a streamlined borrower’s mortgage fulfilment experience.
Enables an 'unattended' refinance settlement to occur more seamlessly because settlement can proceed the same day mortgage and loan documents are returned to you for certification and funding.
Allows customers to access their new interest rate faster than a standard refinance.
FASTRefi® loans can be funded as soon as the mortgage documents are correctly completed, signed and returned.
There can be instant access to surplus funds for borrowers as soon as the loan is funded – straight after mortgage documents are returned to the lender correctly, completed and signed.
The Residential Loan Protection Policy offers comprehensive coverage designed to safeguard against potential risks that can affect the enforceability of a mortgage. Here’s a breakdown of its key features.
Protection Against Mortgage Unenforceability: Safeguards you if your mortgage is challenged or deemed unenforceable, providing peace of mind in uncertain circumstances.
FASTRefi®: Facilitates a smooth, unattended refinance settlement process, allowing same-day certification and funding once the necessary documents are returned.
Cover for Unauthorised or Illegal Structures: Protects against risks posed by structures that may not meet legal requirements, which could jeopardise recovery efforts if you're acting as Mortgagee in Possession.
Identity and Title Fraud Protection: Offers protection against client forgery, identity fraud, title misdescriptions, and prior registered interests.
Recourse for Mortgage Registration Issues: Ensures coverage in case of failure to secure mortgage priority due to other mortgages, outstanding tax liabilities, or unregistered caveats before settlement.
Title Insurance coverage for commercial mortgage transactions. Conditions and exclusions apply.
Cover for Unauthorised or Illegal Structures: Protects against risks posed by structures that may not meet legal requirements, which could jeopardise recovery efforts if you’re acting as Mortgagee in Possession.
Identity and Title Fraud Protection: Offers protection against client forgery, identity fraud, title misdescriptions, and prior registered interests.
Protection Against Mortgage Unenforceability: Safeguards you if your mortgage is challenged or deemed unenforceable, providing peace of mind in uncertain circumstances.
Recourse for Mortgage Registration Issues: Ensures coverage in case of failure to secure mortgage priority due to other mortgages, outstanding tax liabilities, or unregistered caveats before settlement.
Supported Globally: We’re backed by the financial strength and stability of our parent company, The First American Financial Corporation.
Our lender policy is designed to best fit the needs of a commercial lending business. There is no minimum insurable transaction value and no upper limit on the property value.
We cover a wide range of title-related risks, for comprehensive protection across transaction processes. Our policies are also customisable to meet specific demands — tailored for even the most complex scenarios.
We provide coverage for illegal building works which have occurred on the property, meaning if the borrower defaults on the mortgage as a result, we will protect against your loss.
Flexibility, scalability, and expert support — that’s what you get with us. We’re here to meet the evolving needs of the commercial real estate market, backed by a team that knows the process inside and out.
Title Insurance is assignable, providing comfort for lenders who securitise commercial loans. We can provide protection against the accuracy, marketability and transfer of commercial loans from one owner to another.
We offer FASTRefi® and Residential Loan Protection Policies to New Zealand lenders.
New Zealand - overseas policyholder preference
First Title is a licensed general insurer in New Zealand under the auspices of the Reserve Bank of New Zealand. Please note for New Zealand claims an overseas policyholder preference applies. Under Australian law, in the event of First American Title Insurance Company of Australia Pty Limited being wound up, its Australian assets must be applied to its Australian liabilities before New Zealand liabilities. Therefore New Zealand claimants would be required to wait until all Australian claims against First American Title Insurance Company of Australia Pty Limited have been settled.
Solvency disclosure and financial strength information can be accessed here.