United Kingdom: Charges, Mortgages, Indemnities

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Finance law and banking law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as capital adequacy, BASEL, acquisition finance, debt capital markets, fund finance, islamic finance, securitization and structured finance.

Securities-backed Lending After Shukla v St James Bank

The Commercial Court's decision in Shukla v St James Bank clarifies that non-recourse lending structures cannot eliminate a borrower's equity of redemption under English law. When a lender refused to cooperate with loan repayment and attempted to retain collateral based on technical defaults, the court struck down contractual provisions that sought to forfeit redemption rights and awarded substantial damages for breach of contract.

United Kingdom Finance

WL

Withers LLP

First Time Buyer: 7 Things That Slow A Purchase (And How We Prevent Them)

Buying your first home is exciting but it can also feel frustrating when things move more slowly than expected.

United Kingdom Real Estate

AG

Anthony Gold Solicitors LLP

Acting For Lenders: What "On Panel” Actually Means For Your Conveyancing Transaction

If you are buying a property with the help of a mortgage, you may hear your estate agent, broker or solicitor talk about whether a firm is “on the lender’s panel”.

United Kingdom Real Estate

AG

Anthony Gold Solicitors LLP

The Post-Dodd-Frank Rollback Begins? New Executive Order Targets Mortgage Origination, Servicing, And Reporting Rules

On March 13, 2026, President Trump signed an executive order titled “Promoting Access to Mortgage Credit,” directing federal financial regulators to consider a broad set of revisions to the mortgage regulatory framework.

United Kingdom Consumer

BA

Bradley Arant Boult Cummings LLP

Property Newsletter: New Year Edition

United Kingdom Real Estate

GC

Gatehouse Chambers

Bonds – When and why are they reportable under MiFIR and EMIR?

United Kingdom Finance

TRAction

When Do Validations Kick In For Certain EMIR Refit Fields?

United Kingdom Finance

TRAction

Non-Bank Lending In The Spotlight: Does The UK's Approach To Calculating Bank Regulatory Capital Require Revisiting?

United Kingdom Finance

GT

Greenberg Traurig, LLP

Non-Bank Lending In The Spotlight – Does The System Of Calculating Regulatory Capital Require Revisiting?

United Kingdom Finance

GT

Greenberg Traurig, LLP

UK PRA PS 19/25—Securitisation Prudential Reforms

United Kingdom Finance

AO

A&O Shearman

Financial Regulation - In The Know: October 2025

United Kingdom Finance

AG

Addleshaw Goddard

Understanding Regulatory Risks In Home Purchase Plans vs. Traditional Regulated Mortgage Contracts

United Kingdom Finance

AG

Addleshaw Goddard

In Practice: Supreme Court Motor Finance Commission Ruling: What Next For Lenders?

United Kingdom Finance

TS

Travers Smith LLP

Episode 19: Leeds, Leeds, Leeds: Marching On Together In Financial Services (Video)

United Kingdom Finance

AG

Addleshaw Goddard

Travers Smith's Sustainability Insights: Reporting Requirements Still Shifting

United Kingdom Commercial

TS

Travers Smith LLP

From Soil To Shares: Professional Advisor Guidance For Farm Divorce (Video)

United Kingdom Family

LL

Lerners LLP

What Is US Trade Dress Law And How Does It Apply To The World Of Fashion? (Podcast)

United Kingdom International

HL

HGF Ltd

Charting The EU AI Act Timeline – Key Dates From Adoption To Application

European Union Technology

LS

Lewis Silkin

Navigating Reputational Risk In Family Offices (Video)

United Kingdom Privacy

WL

Withers LLP

County Court Considers Bank's Possession Rights In Context Of A Mortgage That Is Securitised Or Subject To Covered Bond

The decision considers who has legal standing to enforce a debt where the lender retains legal title but has assigned the beneficial interest...

United Kingdom Finance

KL

Herbert Smith Freehills Kramer LLP

Leeds, Leeds, Leeds: Marching On Together In Financial Services

In July 2025, the UK government announced the Leeds Reforms. They mark a shift in UK financial regulation, and will boost growth by deepening capital markets...

United Kingdom Finance

AG

Addleshaw Goddard

Can A Warranty Be Better Than An Indemnity?

In Learning Curve (NE) Group Ltd v Lewis [2025] EWHC 1889 (Comm) the High Court found that a buyer's right to bring a claim under an indemnity did not preclude a claim for breach of warranty.

United Kingdom Litigation

TS

Teacher Stern

Mortgage Reforms To Boost Sustainable Home Ownership And Access

Last month was significant for developments in financial services with the announcement of the Leeds Reforms and the Chancellor's Mansion House speech.

United Kingdom Finance

AG

Addleshaw Goddard

Securitisation Regulatory Update: UK Regulator Consults On Reforms To Deferred Payment Credit (Buy Now Pay Later)

United Kingdom Consumer

MB

Mayer Brown

Investment Management Update - August 2025

United Kingdom Finance

M

Macfarlanes LLP

Later Life Lending: Meeting The Evolving Needs Of An Ageing Borrower Base

United Kingdom Finance

BJ

Browne Jacobson

UK Supreme Court Quashes LIBOR And EURIBOR Convictions: Implications For Financial Crime Enforcement

United Kingdom Finance

KL

Herbert Smith Freehills Kramer LLP

Putting Banks "On Inquiry" – Non-Commercial Lending To Couples

United Kingdom Finance

HL

Hunters

Shared Appreciation, Unshared Burden: The Ethical Failure Of Bank Of Scotland And Barclays Bank

United Kingdom Finance

TS

Teacher Stern

Future Changes To The UK Mortgage Market: The Trade-offs And Risks

United Kingdom Finance

AG

Addleshaw Goddard

Proposed Revisions To The EU Securitisation Framework

European Union Finance

MB

Mayer Brown

High Court Finds Iniquity Exception To Privilege Applied, But Not On A Blanket Basis

United Kingdom Litigation

KL

Herbert Smith Freehills Kramer LLP

NatWest Market v CMIS Nederland (2025): Understanding The Difference Between Indemnities And Guarantees

United Kingdom Finance

BL

Barnes Law

Future Changes To The UK Mortgage Market: The Trade-offs And Risks

Facilitating sustainable home ownership and enhancing access and flexibility for mortgage borrowers have been at the top of the government's growth agenda for financial services.

United Kingdom Finance

AG

Addleshaw Goddard

Proposed Revisions To The EU Securitisation Framework

On 17 June the European Commission published its long-awaited legislative proposals1 for reviving the European securitisation market (the proposals). This is a significant and wide-ranging package of reforms, aimed at reducing undue obstacles to the growth of the EU securitisation market.

European Union Finance

MB

Mayer Brown

High Court Finds Iniquity Exception To Privilege Applied, But Not On A Blanket Basis

The High Court has held that the iniquity exception to privilege applied in respect of certain aspects of a transaction, so that no privilege attached to various categories of documents over which the defendants...

United Kingdom Litigation

KL

Herbert Smith Freehills Kramer LLP

NatWest Market v CMIS Nederland (2025): Understanding The Difference Between Indemnities And Guarantees

Disputes regarding the application and purpose of guarantees and indemnities in contractual agreements frequently emerge in English courts

United Kingdom Finance

BL

Barnes Law

Mortgage Reforms For Growth And Access And Upcoming Milestones

United Kingdom Finance

AG

Addleshaw Goddard

Positivity At Last For 2025!

The housing market activity in January was approximately 13% higher than the same period last year. This builds on the momentum from late 2024...

United Kingdom Real Estate

SS

Sherrards Solicitors

Project Finance Comparative Guide

Project Finance Comparative Guide for the jurisdiction of UK, check out our comparative guides section to compare across multiple countries

United Kingdom Finance

BB

Bird & Bird

How Increasing Interest Rates Are Driving Demand For 40-Year Mortgages

The demand for 40-year mortgages in the UK has surged by 39% amid rising interest rates and high property prices, as buyers seek lower monthly repayments. However, these longer-term loans result in significantly higher overall costs due to increased interest.

United Kingdom Finance

LF

Lubbock Fine

First-Time Buyers – Easing A Challenging Process?

Anthony Gold offers personalised conveyancing services to simplify first-time home buying. From pre-contract negotiations to post-completion registration, they ensure transparency, handle legalities, and provide guidance on budgeting, mortgages, and due diligence for a seamless experience.

United Kingdom Real Estate

AG

Anthony Gold Solicitors LLP

Navigating The Home Buying Process In England And Wales: Challenges And Solutions

United Kingdom Real Estate

AG

Anthony Gold Solicitors LLP

Court Interprets Interaction Of Indemnity And Price Adjustment Mechanism

United Kingdom Commercial

M

Macfarlanes LLP

Balancing The Books: Equitable Accounting In Trusts Of Land Disputes

United Kingdom Real Estate

GC

Gatehouse Chambers

Palmer v Sans: Chancery Division [2024] EWHC 2685 (Ch)

United Kingdom Real Estate

GC

Gatehouse Chambers

Time For The Heavy Roller? Or Has The Budget Finally Levelled The Playing Field For UK Islamic Finance?

United Kingdom Finance

NR

Norton Rose Fulbright Hong Kong

HSBC Faces £6.2 Million Fine For Poor Handling Of Financially Struggling Customers

United Kingdom Finance

JL

Johnson Law Group

The Essential Guide For First-Time Home Buyers

United Kingdom Real Estate

RF

Ronald Fletcher Baker

Bridging Loan Defaults: Lender Enforcement And Your Options

United Kingdom Finance

RF

Ronald Fletcher Baker

Helping Landlords Buy Properties: A Residential Real Estate Solicitor's Perspective

United Kingdom Real Estate

SS

Sherrards Solicitors

Prevention Of Property Fraud – How To Further Protect Your Property With A Restriction On Title

United Kingdom Real Estate

HC

Herrington Carmichael

Love Is Blind UK And Why DIY China Law Is SO Dangerous

Worldwide Litigation

HS

Harris Sliwoski

Comprehensive Guide To Selling A House During A Divorce

United Kingdom Family

ML

Mortlake Law & Mediation

What Happens Following Exchange Of Contracts – 6 FAQs About Pre–Completion Steps

United Kingdom Real Estate

AG

Anthony Gold Solicitors LLP

Buying Or Selling A Business – Completion Accounts

United Kingdom Accounting

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Kuits Solicitors

Types Of Debt Securities Listed On TISE In 2024

European Union Finance

A

Appleby

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A Call For The 2019 Loan Charge To Be Amended (Video)

WH

Wright Hassall

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