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Charges & Debenture

Security Charges

Since Hunter Jones Group's alternative investments involve the likes of loan notes, its investors are given the same securities that any lender would receive – including security charges.

First Charge

The holder of “First Charge” is simply the lender or lenders who invested their money in the form of a loan to developers – and, in the event that the borrower defaults on the loan, the holder of First Charge can rest assured that their loan is backed by the property, land, or similar asset.

Debenture

A debenture is simply a way to ensure that investors can, if need be, gain loan repayments against the assets of the borrower.

These can take two forms: a floating charge or a fixed charge. A fixed charge is usually taken out against something like land or property: if the loan defaults, the investor can sell off those kinds of assets.

On the other hand, a floating charge is used to back loans against less concrete assets like shares.

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