 After completion of the purchase and mortgage (at which time the lender's funds were applied to the transaction) but before the transactions were registered at Land Registry Mr Mothew was approached by the borrower's bankers [Barclays] to say that they were granting a second mortgage facility to the borrower and seeking that their second charge be registered at Land Registry.The second charge documentation had been prepared and executed by the borrower at the bank's premises.By registering the second charge documentation contemporaneously with the purchase and (first) mortgage there was a waiver of fees payable to the Land Registry thereby saving expense for the borrower than if the second charge had been registered separately later.