Hi Darryl,
Strength to your arm.
As you logically assert, ‘…it would be unethical to enter such arrangement (that does not at least cover recurring annual rates)’.
None of the predictable multiplier effects of accruing increasing amounts of unserviceable debt are in the ratepayer’s best interests.
You might also point out that the NSW Law Society lists solicitors’ first duty to clients as follows:
In relation to their clients, solicitors must:
– act in a client’s best interests…
https://www.lawsociety.com.au/for-the-public/going-court-and-working-with-lawyers/solicitor-client-relationship/solicitors-duties-to-clients#:~:text=Your%20solicitor%20must%20provide%20advice,your%20understanding%20of%20the%20law.
Best wishes,
Richard
0434 222032