Spencer West LLP
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This work covers securing, protecting and releasing a mortgage on a person’s home, including arranging new borrowing, remortgaging, equity release, and registering the charge against the property. A solicitor practicing in this area drafts and negotiates loan terms, reviews product details from lenders, explains charges and fees, checks title deeds, and ensures the correct registration with HM Land Registry. They also handle mortgage-related disputes, enforcement, and communications with lenders if payment problems arise.
The specific act or decision is the mortgage charge and its registration, plus any borrower default or enforcement steps that may be taken. A solicitor protects the client’s ownership and rights by ensuring correct documentation, deadlines, and the proper conduct of any enforcement or remortgage steps, with attention to any standstill or notice requirements in the lending agreement.
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