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Security charging covers the creation and enforcement of a charge over property to secure a debt. A solicitor in this area drafts and registers the charge, negotiates with lenders, and advises on the rights and remedies available if the borrower defaults. They may arrange enforcement steps, such as selling or remortgaging the property, and advise on discharge or variations to protect the client’s interests.
Where a solicitor protects your position
A security charge defines the lender’s interest in your home and sets out what happens if you miss payments. The solicitor explains the consequences, ensures the charge is correctly registered at the Land Registry, and coordinates any enforcement or discharge actions to protect the client’s position and ensure proper process is followed.
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