Mortgage and Re-Finance

Clear, coordinated legal support for your property finance

Securing finance or refinancing a commercial property requires more than just paperwork – it involves careful legal coordination between you, your lender and any other stakeholders. At Hopkins Solicitors, we’ll guide you through the process with practical, client-focused advice.

Whether you’re raising funds against an existing property, consolidating borrowing or refinancing as part of a wider restructure, we work efficiently to help you meet lender requirements and your commercial deadlines.

What’s Involved

We act for borrowers across a wide range of mortgage and refinance transactions. Our service typically includes:

• Reviewing loan terms – checking offer letters and highlighting any legal implications or conditions.
• Investigating title – ensuring the property provides adequate security and resolving any issues that may delay completion.
• Handling lender requirements – dealing with standard conditions, certificates of title and liaising with valuers and insurers.
• Preparing security documents – including legal charges (the mortgage on the property securing the loan), debentures (a special type of company that covers all company property) and personal or corporate guarantees.
• Registration – ensuring prompt registration of documents at the Land Registry and Companies House as needed.

At an early stage, it is important to involve your other professional advisers – agents, accountants, surveyors – and we can then work closely with these to ensure the transaction progresses smoothly and any commercial or tax considerations are properly factored in.

Things to Consider

• Lender timescales: Meeting lender deadlines often depends on how quickly title issues and due diligence can be resolved – early engagement is key.
• Existing charges: Any existing mortgages or restrictions must be dealt with before new funding can complete.
• Corporate borrowers: If you’re borrowing through a company or pension scheme, additional due diligence and documentation may be needed.

Let’s get started

If you’re considering property finance or refinancing, get in touch with us early – we’ll help smooth the process and keep everything on track.