Mortgages

Mortgages continue to play a key role in the finances of both individuals and businesses. Whilst the concept of a mortgage isn’t new, technology is transforming the way mortgages are provided and who provides them.

We have experience helping the full range of participants in this sector, from digital only lenders and intermediaries, to established institutions such as private and foreign banks. Clients come to us to assist them with queries on regulatory permissions, new product launches and compliance with the existing regulatory framework. We can also help out on acquisitions and disposals of mortgage portfolios.

Mortgages experience

• Drafting a full suite of regulated mortgage documentation for a new-to-market fintech.

• Advising a private bank on an extensive review of all credit documentation, covering secured and unsecured lending including regulated mortgages and consumer credit products.

• Acting for the private wealth business of a US investment bank in obtaining a variation to its current authorisation in order to launch a regulated mortgage business.

• Working with digital mortgage firms on the launch of innovative new digital mortgage products and compliance with the existing regulatory regime.

• Advising banks on their LIBOR transition strategy for various mortgage portfolios.

• Advising various financial institutions on the sale and purchase of mortgage portfolios.