Insights
To break or not to break: break clauses and conditionality
08 Sept 2025A landlord is not obliged to allow a tenant to surrender a commercial lease prior to the end of the contractual term. An option to break (i.e. the ability to end the lease early) incorporated within the lease is therefore a luxury many tenants simply cannot afford to lose.
What is title indemnity insurance?
08 Sept 2025Title indemnity insurance is a policy that protects property owners or lenders from financial loss resulting from defects or issues with the title to the property. Unlike regular insurance policies, title indemnity insurance covers you for potential past issues rather than future issues.
How will the Renters Reform Bill affect school accommodation?
05 Sept 2025The Renters Reform Bill is the most significant change in private renting in the last 30 years. Whilst this affects the whole of the private rental market, it also impacts tenancies provided by employers to staff.
The Impact of Interest Rate Cuts on Divorce Settlements
11 Aug 2025The recent Bank of England interest rate cut to 4% has several implications, including its impact on financial settlements in divorce.
Supreme Court Decision: Johnson v FirstRand Bank and Related Cases
06 Aug 2025The recent Supreme Court judgment in Johnson v FirstRand Bank, Wrench v FirstRand Bank, and Hopcraft v Close Brothers has provided significant clarification on fiduciary duties, bribery, the tort of bribery, and consumer credit law.
Renters' Rights Bill: what it means for lenders
31 Jul 2025The Renters' Rights Bill (Bill) promises to transform the private rented sector (PRS), with tenants set to receive significant new protections. For lenders with exposure to residential investment portfolios, these reforms raise important risks and operational considerations.
