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.

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

On 14 July 2025, the FSMA (Regulated Activities etc) (Amendment) Order 2025 (the "DPC Legislation") brought unregulated deferred payment credit ("DPC") within the UK Financial Conduct Authority's ("FCA") remit.

United Kingdom Consumer

MB

Mayer Brown

Investment Management Update - August 2025

The FCA has published a summary of its activity during July 2025, and notes in its opening paragraph that it has been accelerating its work on supporting growth and competitiveness over the past year.

United Kingdom Finance

M

Macfarlanes LLP

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

As the UK population ages, the financial services industry is being challenged to rethink how it supports older borrowers.

United Kingdom Finance

BJ

Browne Jacobson

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

A decade after the first conviction, the Supreme Court has quashed Tom Hayes' and Carlo Palombo's convictions for conspiracy to defraud in relation to benchmark submissions, finding trial judges misdirected the juries.

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

Mortgage Reforms For Growth And Access And Upcoming Milestones

United Kingdom Finance

AG

Addleshaw Goddard

RMBS Securitisation – FAQS: What You Need To Know About The FCA Consultation On New Rules For UK Mortgages

United Kingdom Finance

MB

Mayer Brown

New Joint Payment Option For Investment Research Introduced For Fund Managers

United Kingdom Finance

GW

Gowling WLG

Buying A Property In The UK? Key Considerations And Process

United Kingdom Real Estate

WL

Withers LLP

AI In Healthcare: Why Compliance Can't Afford To Fall Behind

United Kingdom Technology

N

NAVEX

HR Briefing: Competition And Employment (Podcast)

United Kingdom Anti-trust

M

Macfarlanes LLP

UK To Tighten Immigration Rules: Highlights From The 2025 White Paper

United Kingdom Immigration

RC

Richmond Chambers Immigration Barristers

In Conversation With Kevin Nash: The LCIA And The Future Of Institutional Arbitration (Podcast)

United Kingdom Litigation

KL

Herbert Smith Freehills Kramer LLP

In Conversation… Geopolitical Disruption And The Future Of Work, What Does This Mean For Employers? (Podcast)

United Kingdom Employment

LS

Lewis Silkin

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

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

Buying a home in England and Wales can be complex and stressful. Anthony Gold Solicitors LLP helps ease the process by offering clear communication, proactive problem-solving, financial guidance, and personalized support. Their services aim to streamline the journey, reduce stress, and ensure a smooth experience.

United Kingdom Real Estate

AG

Anthony Gold Solicitors LLP

First-Time Buyers – Easing A Challenging Process?

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

The Essential Guide For First-Time Home Buyers

Buying your first home is a big step. While the journey may seem daunting at the beginning, understanding the key steps and factors can simplify the process and allow you to make well-informed decisions.

United Kingdom Real Estate

RF

Ronald Fletcher Baker

Bridging Loan Defaults: Lender Enforcement And Your Options

This article explores some key factors a bridging lender may consider when deciding whether to enforce its security, as well as the main methods of enforcement available to lenders.

United Kingdom Finance

RF

Ronald Fletcher Baker

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

This article outlines the essential role of residential real estate solicitors in assisting landlords with property acquisitions. Key stages include initial consultations to understand investment goals, thorough due diligence, contract negotiation, mortgage arrangements, and post-completion support.

United Kingdom Real Estate

SS

Sherrards Solicitors

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

Property fraud involves scammers impersonating owners to sell or mortgage property unlawfully. To prevent this, property owners should ensure proper registration, update contact details, and consider placing a restriction on their title, requiring a conveyancer's verification for transactions.

United Kingdom Real Estate

HC

Herrington Carmichael

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

Worldwide Litigation

HS

Harris Sliwoski

Late Payments: You're Really On Thin Ice Now

This recent decision should sound as a stark warning to Employers under JCT contracts over the perils of failing to make payments on time.

United Kingdom Finance

FE

Fenwick Elliott LLP

The UK Relaxes Its Requirements Around Payment For Investment Research

The FCA's PS24/9 permits bundling payments for investment research with execution services, introduces flexible guardrails for budgeting, disclosures, and cost allocation, effective from August 2024.

United Kingdom Finance

CW

Cadwalader, Wickersham & Taft LLP

Understanding Sales Purchase Agreements (SPAs): A Complete Guide

Our firm frequently deals with Sales Purchase Agreements (SPA) and this blog aims to shed light on what a SPA is, why it is essential, and the important components that come with it.

United Kingdom Finance

AG

Anthony Gold Solicitors LLP

Collective Actions - How Group Litigation Obtains Justice For Victims Of Negligence, Breach Of Contract And Fraud

Collective actions: where a number of individuals with similar claims arising from similar circumstances (and usually against the same Defendant(s), come together to proceed with a legal action as a single group.

United Kingdom Litigation

GP

Giambrone & Partners

FCA Publishes Consumer Duty Outcomes Review – What Do I Need To Know?

United Kingdom Finance

CC

CMS Cameron McKenna Nabarro Olswang

UK RMBS Flourishing In Active Market

United Kingdom Finance

MG

Maples Group

Keeping The Lights On – How Can You Keep Control Of Your Property During Debt Enforcement?

United Kingdom Finance

WB

Wedlake Bell

Why Do Solicitors Require Source Of Funds In Property Transactions?

United Kingdom Finance

WS

WSP Solicitors

To Injunct Or Not To Injunct, That Is (Sometimes) The Question A Lender Must Ask

United Kingdom Finance

KS

Kuits Solicitors

The New Medal Table: Gold, Silver And Brown

United Kingdom Environment

NR

Norton Rose Fulbright Hong Kong

The 12 Key Stages Of A Typical House Sale

United Kingdom Real Estate

HL

Higgs LLP

The Future Of Lifetime Mortgages

United Kingdom Finance

W

WTW

Recission For Unilateral Mistake: Barclays Bank UK PLC v (1) Terry & (2) Terry [2023] EWHC 2726 (Ch) And [2023] EWHC 3113 (Ch)

United Kingdom Real Estate

GC

Gatehouse Chambers

Considerations When Buying/Selling A Company With An EMI Scheme

United Kingdom Commercial

HC

Herrington Carmichael

Companies House To Increase Fees From The 1st Of May 2024

United Kingdom Commercial

GS

Gorvins Solicitors

Scooping Up The Essentials

United Kingdom Commercial

HL

HGF Ltd

Banking And Finance Outlook: 2024-2025

United Kingdom Finance

DS

DMH Stallard

Holding Property With Your Partner

United Kingdom Real Estate

HC

Herrington Carmichael

Fixed Recoverable Costs: Where Are We Now? (Video)

United Kingdom Finance

GC

Gatehouse Chambers

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

WH

Wright Hassall

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