Financing arrangements cover the creation, documentation and management of secured lending over property and related assets. This includes facility agreements, mortgages, debentures and charges over freehold and leasehold interests, as well as security over company assets. A solicitor in this area drafts and negotiates facility documents, registers charges at the Land Registry, reviews due diligence on the property and borrower, coordinates searches, and advises on enforcement steps if a borrower defaults. The work often involves intercreditor arrangements, perfection of security, and coordinating with lenders, investors and borrowers to ensure the funding remains compliant and enforceable.
What a solicitor handles in these matters
The solicitor handles drafting and negotiating facility agreements, registering fixed and floating charges, reviewing title and land searches, and coordinating security perfection. They manage intercreditor arrangements, draft enforceable remedies, and handle post-completion registrations and notices to protect lenders’ interests. The complexity arises from multiple lenders, security packages, and potential cross-border elements.
