3.1.1 charged to the lender, by way of first legal mortgage, all the properties specified in schedule 1; (non-specified). 3.1.2 charges to the lender, by way of first fixed charge:. 3.1.2.4 all properties acquired by the borrower in the future,. 3.1.2.5 all present and future interests of the borrower not effectively mortgaged or charged under the preceding provisions of this clause 3 in or over freehold or leasehold property,. 3.1.2.6 all present and future rights, licences, guarantees, rents, deposits, contracts, covenants and warranties relating to each property.