Which of the following is listed as a charge against land?

• A. Mortgages
• B. Lease
• C. Boundary survey
• D. Insurance premium

Answer: (A)

A mortgage is a charge against land because it creates a security interest tied to the property itself. When you borrow using the property as collateral, the lender registers a lien on the title, giving them a right to recover what’s owed through the property if the loan isn’t repaid. This lien stays with the land and can affect title transfer or sale until the debt is satisfied.

A lease, by contrast, is an occupant’s right to use the property for a period of time rather than a lien against the title. A boundary survey is just measurements defining property lines, not a claim on the property. An insurance premium is a cost related to coverage, not a claim against the land itself.