01
Property identified
A specific parcel is named — survey number, extent and location — not a general reference to assets held.
What Backs It
A charge at the sub-registrar's office beats a promise in a room.
Security in this arrangement is not a sentiment or an assurance. It is a registered instrument over immovable property, entered in public record, verifiable by anyone you choose to send. This page sets out exactly what that means, what you receive, and what you should check.
How the charge is created
Four stages, each producing a document that outlives the conversation.
02
Title established
Ownership is traced through the parent documents and confirmed clear of prior claims by encumbrance search.
03
Charge registered
The security is created in your favour and entered at the sub-registrar's office, where it becomes public record.
04
Agreement executed
Duration, obligations and the enforcement route are signed by both sides, with the charge referenced by its registration particulars.
The file you receive
Four documents, handed over before anything is signed.
None of these are shown on a screen and taken back. They go with you, to whoever you choose to review them. If an advocate wants a document that isn't in this list, ask us for it — if it exists, you get it.
Title deed
The registered sale deed establishing ownership, with the parent documents tracing how title was acquired.
Encumbrance certificate
A current EC from the sub-registrar showing all transactions recorded against the property, so prior claims are visible.
Independent valuation
A report from a registered valuer. Commission your own as well — a second opinion on value costs little and settles the question.
Draft agreement
The full text, in draft, before signature. Mark it up. Terms that survive your advocate's pen are the ones worth having.
What to check yourself
We would rather hand you the checklist than have you take our word for any of it. Every item below is verifiable without us in the room.
Pull the EC yourself
An encumbrance certificate can be obtained by anyone from the sub-registrar or online. Do not rely on the copy we give you — get your own and compare.
Visit the land
Stand on it. Confirm the extent matches the survey number, that access exists, and that nobody else is in possession.
Commission your own valuer
Our valuation is a starting point, not a finding. The security is worth what your valuer says, not what ours does.
Read the enforcement clause
Ask your advocate one question: if this goes wrong, what exactly do I do, and how long does it take? Get the answer before signing.
What security does and doesn't do
Being precise about this matters more than being reassuring about it. Collateral addresses one specific risk — it does not remove every risk, and anyone who tells you otherwise is selling something.
It does give you recourse
A registered charge gives you a documented claim over a specific asset, enforceable through a route written into your agreement.
It does not remove market risk
Trading can lose money. Security governs what happens afterwards; it does not stop it happening.
It is not a promised return
No figure, rate or projection is quoted anywhere on this site, and none should be inferred from the presence of collateral.
It is not instant liquidity
Enforcing security against land takes time and process. Understand that timeline before you commit, not after.
See the documents for yourself.
Meet us in person and the file goes with you. Bring your advocate — the paperwork is written to survive that reading.