The type of security offered will vary on each offer on the Co-Lend platform, so we encourage you to read the full offer document & risk warning before proceeding with an investment.

In most instances, the security will be a 2nd Legal Charge held against the property, registered at The Land Registry. What this means is a property cannot be sold without the prior approval of those registered as legal charges, and if a borrower defaulted, those with a legal charge can exercise power of sale, and in this case the 1st Charge will be paid first, before any other lenders.

Offers on the Co-Lend platform will also be offered to invest into with 1st Charge security, or an equitable charge registered against the property.


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