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Taking security over IP in the UK: lender checklist on mortgages and charges, ownership, validity, valuation, associated rights, and registration at Companies House and IP registries

Published by a LexisNexis IP expert
Checklists
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Consider the nature of the IP right

From a lender’s standpoint, use this checklist to pinpoint key points when taking IP as security and the steps to implement it...

  • Identify the IP right and applicable law; patents, trade marks, registered designs and copyright can be mortgaged or charged...
  • Select security: a legal mortgage (assignment plus redemption and exclusive licence‑back) offers stronger control than a fixed charge; for charges, restrict disposals and hold an executed undated assignment in escrow (verify foreign recognition)...
  • Confirm ownership, term, existing security, licences and third‑party interests; demand warranties and title evidence, especially for unregistered rights...
  • Assess validity and maintenance: search prior rights, check renewals and genuine use, monitor infringement, review litigation; obtain professional opinions where needed...
  • Value the right and routes on default (licensing or sale); add complementary assets if required...
  • Cover associated rights and materials: unregistered marks/goodwill (only with the business), unregistered designs, database right, know‑how/confidential information, domain names, and software/source code with escrow...
  • Register at Companies House within 21 days and at IPO registers promptly (within six months), noting restrictions to warn third parties...
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Web page updated on 20/05/2026

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