Real estate finance: checklist for perfecting security—Companies House, HM Land Registry, unregistered land, notices and assignments (England and Wales)

Published by a LexisNexis Property expert

Checklists

This Checklist

This Checklist explains the actions property solicitors must take to perfect security in a real estate finance transaction. Real estate finance lenders will typically seek a comprehensive security package over all assets connected with the real estate. A real estate solicitor within a multi-disciplinary team will commonly arrange or contribute to the following securities and documentation:

security over the land, rental income, insurance proceeds, development and construction, and contractual rights
reviewing the management agreement and negotiating a duty of care agreement (although in a multi-disciplinary team, this is sometimes handled by the banking and finance lawyer)
dealing with completion undertakings and post-completion registration of the legal charge at Companies House and HM Land Registry, as well as giving third party notices regarding rent payment, notice of charge and, where necessary, assignment of contractual rights or warranties

See Practice Notes: Security in real estate finance transactions, Taking security over land and Taking security over unregistered land and Taking and perfecting security in real estate finance transactions—overview. Once security is validly created, it is binding as between the security provider and the secured party...

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Web page updated on 20/05/2026

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