An incumbrance in a conveyancing procedure refers to a secured loan or a legal charge mortgage that is put towards a property. This may also involve a planning charge, land charge, restrictive covenant or any other condition at the site.

An incumbrance could also be an unpaid property tax, an easement or a tax lien.  The seller’s or purchaser’s solicitors may carry out an Index Map Search for this process, although this will depend on the terms and conditions.