United Kingdom: Charges, Mortgages, Indemnities

In UK real estate finance transactions, high-net-worth sponsors are sometimes required to provide personal guarantees to lenders. These guarantees serve as additional security when lenders cannot fully recover debts from the underlying real estate, or when specific risks emerge that require the sponsor to take particular actions within defined timeframes. The personal guarantee creates a financial incentive for sponsors to fulfill their obligations and mitigate identified risks.

Lizzie Egan interviews Aidan Faik, senior private banker and head of landed estates at Weatherbys Private Bank, exploring current trends in rural property finance, from residential portfolio challenges and holiday let opportunities to the complexities of trust structures and biodiversity net gain projects. The conversation examines how Basel 3.1 regulations will fundamentally reshape lending terms for estate owners, and why understanding the residential versus commercial classification of property has becom

On 9 July 2026, the UK’s Financial Conduct Authority (FCA) released Consultation Paper 26/18 (CP 26/18) on the “Mortgage Rule Review: supporting first-time buyers and underserved consumers”.

Home Purchase Plans (HPPs) are an alternative to traditional mortgage products, often structured to comply with Sharia principles.

In this In Practice article we consider what comes next, after the Supreme Court judgment on secret commission payments in motor vehicle finance transactions.

Leeds, Leeds, Leeds: in this Mergerspresso, Rosanna Bryant and Simon Wood summarise the Leeds Reforms in the time it takes to make your coffee - the reforming roadmap to ensure that UK Financial Services...

The Financial Conduct Authority (FCA) has published new rules allowing fund managers to pay for investment research using a joint payment option for research and execution services, subject to complying...

The Government, under the Levelling‑Up and Regeneration Act 2023, has powers to require registration of certain contractual controls. Updated draft regulations, issued on 9 March 2026...

Before you can decide whether the property is the one you want to buy and whether the price is right, you will need to know the sort of property you are buying.