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This work covers creating and perfecting security interests over land and other property assets, to give a lender or other secured party priority over the debtor’s assets. A solicitor drafts and registers charges or mortgage deeds, checks title, and ensures perfection against third parties, often by registering at HM Land Registry and, for corporate security, with Companies House where applicable. They advise on priority, remedies, and timing of enforcement, and handle notices, certificates of title, and discharge of security when debts are paid or restructured.
The solicitor handles the drafting of legal charges or standard mortgage documents, conducts due diligence on title, registers the security at the appropriate registry, and manages notices to other secured creditors. They ensure the security remains enforceable, address priority conflicts, and coordinate any enforcement steps such as discharge, release, or sale of the secured asset if a debt becomes due or defaults occur.
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