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This area covers debts secured against property or other assets, typically involving mortgages or charges where the creditor has a security interest. A solicitor in this field drafts, negotiates and enforces security documents, reviews terms when lending, and coordinates actions if a debtor falls behind, including notices, registration, and potential enforcement steps such as possession or sale of the asset. It also covers advising lenders or borrowers on remedies and protective steps to preserve the security position.

What a solicitor handles in these matters

The solicitor handles the creation and perfection of security interests, monitors defaults, serves notices, and leads or supports enforcement through county or high court processes, including orders for sale or possession, applications for appointment of receivers, and related negotiations with lenders, borrowers and third parties. They manage documentary and evidential requirements, liaising with lenders, borrowers, and land or property registries to protect the security quickly and lawfully.

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