About
Commercial property finance only works when the legal security is ready when the funding is needed. RG Law handles the property and lender requirements behind acquisitions, refinancing and remortgage transactions.
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Legal support behind commercial borrowing
Commercial lenders need to know that the property offered as security gives them the legal protection required by the loan. That means checking title, leases, restrictions, planning or property information within scope and ensuring the lender’s conditions are satisfied before funds are released. A refinance may also require an existing lender to be repaid and its security discharged. Acquisition finance must be coordinated with the purchase so the funds are available at completion. RG Law handles the property-related legal work and works with the lender, borrower and other advisers to keep the finance timetable aligned with the transaction.
Typical finance work
• Review of title and property security • Lender instruction compliance • Review of occupational leases where relevant • Searches and enquiries • Mortgage and security documentation • Director or company documentation where required • Redemption of existing security • Completion and Land Registry registration
Working to a funding deadline?
Tell RG Law the lender, facility amount, property and target drawdown date at the outset. Lender conditions often drive the legal critical path.
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How a commercial refinance progresses
1. The lender approves the facility and issues legal instructions. 2. RG Law reviews the title and lender requirements. 3. Searches, enquiries and supporting documents are obtained. 4. Security documents are prepared and signed. 5. Conditions precedent are satisfied. 6. A completion statement and redemption figures are agreed where applicable. 7. Funds are drawn and existing lending is repaid. 8. The new security is registered. If the finance is part of a property purchase, the lending and acquisition workstreams run together and both must be ready for completion.
What affects legal cost?
Commercial finance fees depend on the lender’s requirements, number and type of properties, existing security, company structure and whether other security documents are required. There may also be Land Registry fees, search costs, lender legal costs and other professional fees. Because lender requirements vary, the quotation should be based on the actual facility and security package rather than a generic remortgage assumption.
Funding timetable
The legal timetable is often dictated by the lender’s conditions precedent. Delays can arise where documents are missing, title issues need resolving, leases require review or third-party consents are needed. Where funding is needed for an acquisition, tax payment or business event by a specific date, build enough time for both the lender process and the legal security work.
Information that helps at the start
Provide the property title or address, borrower details, lender term sheet or offer, current lender information, facility amount and intended use of funds. If the property is tenanted, provide the occupational leases as well. That early information helps RG Law identify whether the lender is likely to require additional reports, consents or documents before drawdown.
Commercial property finance FAQs
Q: Can RG Law act for both borrower and lender? A: Sometimes, depending on lender panel requirements and conflict rules. In other cases the lender will appoint separate solicitors. Q: Can you refinance more than one property? A: Yes, but the scope and fee will reflect the number of titles and the lender’s security requirements. Q: What happens to the old lender’s charge? A: It is normally redeemed at completion and removed from the title as part of the post-completion work. Q: Does a company borrower need additional security documents? A: Potentially. The lender may require guarantees, debentures or other security in addition to the property mortgage. Q: Can finance complete before every Land Registry update is finished? A: Often registration follows completion, but the lender’s conditions determine what must be satisfied before funds are released.
Keep the legal work aligned with the funding
Commercial finance is highly deadline-dependent. RG Law focuses on the title and security requirements that must be completed to allow the transaction to draw down, while explaining any property issue that could affect the lender or borrower.
Discuss your finance transaction
Send the lender offer or term sheet, property details and target completion date when you contact RG Law so the team can understand the security package and provide an accurate scope.
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