Special Counsel
Recovery
With more than a decade of experience in recovery, enforcement, litigation and insolvency matters, Stephanie advises private and non-bank lenders, financial institutions, corporate fiduciaries and securitisation trustees across Australia.
Her practice centres on enforcement. Stephanie acts in contested recovery matters involving mortgagee sales, caveat disputes, priority claims, possession proceedings, injunctions and complex lender litigation. She is highly regarded for her technical expertise in this specialist area of law and her ability to navigate complex disputes where lender positions are challenged.
Stephanie’s approach is direct, measured and commercially focused. She combines strong legal analysis with disciplined execution, helping clients protect their security position and maintain control through contested matters.
As a senior member of the firm's Recovery team, Stephanie is trusted to lead complex matters and deliver clear, strategic advice when outcomes matter most.
Key cases/experience – representative matters
Ageist Pty Ltd v Samuel M Holdings Pty Ltd (Receiver and Manager Appointed) (NSWSC 988)
The Court considered whether caveats could remain on title based on allegations that a mortgagee had acted in bad faith when exercising its power of sale. The challenge was unsuccessful, and the caveats were ordered to be withdrawn, allowing the mortgagee's sale process to proceed.
Application of Chrissie Group Pty Ltd (NSWSC 1711)
A dispute arose over entitlement to surplus sale proceeds following a mortgagee sale. The Court determined that an unregistered mortgagee with the earliest caveated interest held priority over competing claimants and was entitled to the entirety of the funds.
The Trust Company (PTAL) Limited v Penna (NSWSC 1809)
The Court considered an application to stay a mortgagee's possession proceedings. The application was refused, allowing the lender to proceed with enforcement and recovery of the secured property.
DTT Group Pty Ltd v The Trust Company (PTAL) Ltd (NSWSC 1554)
A borrower sought urgent orders restraining a mortgagee from exercising its power of sale shortly before a scheduled auction, alleging misleading conduct and invalid default notices. The Court refused the application, allowing the mortgagee to proceed with enforcement.
Oxygen Funding Solutions Pty Ltd v Dick-Telfar (NSWSC 582)
The Court considered claims that a lender had frustrated refinancing efforts and engaged in unconscionable conduct under the Australian Securities and Investments Commission Act 2001 (Cth). The lender successfully enforced the loan agreement and defeated the unconscionability allegations.
Admissions
Admitted, Supreme Court of NSW, 2011
Memberships / Associations / Affiliations
Law Society of NSW
Stephanie Jin
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