Australia and New Zealand Banking Group Ltd v Whitehall [2020] NSWSC 489

Supreme Court New South Wales

Medium Neutral Citation: Australia and New Zealand Banking Group Ltd v Whitehall [2020] NSWSC 489 Hearing dates: On the papers Date of orders: 05 May 2020 Decision date: 05 May 2020 Jurisdiction: Equity Before: Darke J Decision: Summary judgment to be entered against the Second Defendant. Catchwords: EQUITY – subrogation – lender advances money on basis that it would receive registered mortgage over property – part of money advanced used to pay out existing registered mortgage over property – due to irregularities in transaction lender unable to have its mortgage registered – lender claims entitlement to be subrogated to existing mortgage – whether unconscionable for mortgagor to deny lender's claim to have the existing mortgage kept alive for its benefit – claim not defeated by fact that there were no dealings between lender and mortgagor – any negligence on the part of lender not relevant where lender fails to obtained bargained for security – not necessary to show that mortgagor was guilty of any wrongdoing or misconduct – no arguable defence shown – appropriate case for summary judgment against mortgagor – Uniform Civil Procedure Rules 2005 (NSW), r 13.1 Legislation Cited: Uniform Civil Procedure Rules 2005 (NSW), rr 13.1, 35.1 Cases Cited: Agar v Hyde (2000) 201 CLR 552; [2000] HCA 41 Aged Care Services Pty Ltd v Kanning Services Pty Ltd (2013) 86 NSWLR 174; [2013] NSWCA 393 Banque Financiere De La Cite v Parc (Battersea) Ltd [1999] 1 AC 221 Boscawen v Bajwa [1996] 1 WLR 328 Bofinger v Kingsway Group Ltd (2009) 239 CLR 269; [2009] HCA 44 Burston Finance Ltd v Speirway Ltd (in liquidation) [1974] 1 WLR 1648 Butler v Rice [1910] 2 Ch 277 Capital Finance Co Ltd v Stokes [1969] 1 Ch 261 Challenger Managed Investments Ltd v Direct Money Corporation Pty Ltd (2003) 12 BPR 22,257; [2003] NSWSC 1072 Cheltenham & Gloucester plc v Appleyard [2004] EWCA Civ 291 Chetwynd v Allen [1899] 1 Ch 353 Cochrane v Cochrane (1985) 3 NSWLR 403 Fancourt v Mercantile Credits Ltd (1983) 154 CLR 87 General Steel Industries Inc v Commissioner for Railways (NSW) (1964) 112 CLR 125 Ghana Commercial Bank v Chandiram [1960] AC 732 Highland v Exception Holdings Pty Ltd (in liquidation) (2006) 60 ACSR 223; [2006] NSWCA 318 NRMA Insurance Ltd v AW Edwards Pty Ltd (1995) 11 BCL 200 Spencer v Commonwealth of Australia (2010) 241 CLR 118; [2010] HCA 28 Taleb v National Australia Bank Ltd (2011) 82 NSWLR 489; [2011] NSWSC 1562 Webster v Lampard (1993) 177 CLR 598 Texts Cited: J D Heydon, M J Leeming and P G Turner, Equity: Doctrines and Remedies, 2015, LexisNexis Butterworths at [9-040] Category: Procedural and other rulings Parties: Australia and New Zealand Banking Group Ltd (Plaintiff) Nathaniel John Whitehall (First Defendant) Tania Marie Woodman (Second Defendant) The Registrar-General of NSW (Third Defendant) Representation: Counsel: Mr J Foley (Plaintiff)