Glossary definition
Land Registry
HM Land Registry is the government body responsible for registering ownership of land and property in England and Wales. The Land Registry holds the definitive record of who owns what property, including details of mortgages, charges, and other encumbrances registered against a title.
Definition
HM Land Registry is the government body responsible for registering ownership of land and property in England and Wales. The Land Registry holds the definitive record of who owns what property, including details of mortgages, charges, and other encumbrances registered against a title. Lenders require a clear title registered at the Land Registry before advancing funds, and their legal charge is registered against the title to protect their security interest.
See also
Closely related terms.
Title Insurance
An insurance policy that protects the insured against financial loss arising from defects in the legal title to a property that were not discovered during the conveyancing process.
Facility Agreement
The legal contract between a borrower and a lender that sets out all terms and conditions of the loan including the facility amount, interest rate, drawdown mechanics, repayment terms, covenants, and events of default.
Further reading
Guides that touch this term.
Guide
Legal Due Diligence in Development Finance: What Solicitors Check
Legal due diligence is the backbone of every development finance transaction. This guide explains what solicitors investigate, common issues that delay completions, and how to prepare your legal pack.
9 min read readReadGuide
Development Finance Application Checklist: Documents You Need
A comprehensive checklist covering every document lenders require for a development finance application, from development appraisals to contractor tenders and planning evidence.
11 min read readRead
Where it shows up
Finance products using this term.
Service
Development Finance
Senior debt funding for ground-up residential and commercial developments.
From 6.5% p.a. · Up to 65-70% LTGDVReadService
Bridging Loans
Short-term finance for acquisitions, auction purchases and time-sensitive deals.
From 0.55% p.m. · Up to 75% LTVReadService
Commercial Mortgages
Long-term finance for commercial property acquisition and refinancing.
From 5.5% p.a. · Up to 75% LTVRead
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