I totally agree, a bogus charge against a property will certainly be undone by the courts if you go bankrupt.(posted 6975 days ago)However, there is nothing to stop you giving a relative or friend who has helped you financially in the past, a secured charge on your property in respect of the money that they have loaned or given to you.
You can provide a second charge to somebody on this basis yourself. You do not need a solicitor, but the procedure is a little bit complex in terms of form filling. Most solicitors are very unhelpful, and they will try to charge you loads of money for just sending out a couple of letters and filling in a couple of forms. You have to get the authority of your mortgage lender to provide a charge in favour of another person and provide this to the Land Registry. If you already have a 2nd charge on your property then you will need the permission of the 2nd mortgagee as well. I believe that permission can't be unreasonably withheld. Go to the Land Registry site www.landreg.gov.uk and I'd suggest that you telephone them to get advice the combination of required forms correct.