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Structured finance and securitisation

Discover our leading structured finance and securitisation services, tailored to meet your legal needs.

Our market-leading lawyers provide expert advice on structured finance and securitisation, acting as trusted advisers for our clients.

We work with a diverse range of clients, including originators and sponsors, investment bank arrangers and managers, through to private credit funds and UK and international governmental and non-governmental bodies.

Our practice is flexible, adaptable and capable of advising across different asset classes and structures. We have experience in both public and private securitisation and structured finance transactions, as well as loan portfolio sales.

This extends across a range of asset classes, including consumer assets (mortgages, credit cards and auto loans), corporate loans (SME loans, corporate buy-to-let, trade receivables and supply chain finance and CLOs), real estate backed assets (CMBS and loan-on-loan CRE) as well as corporate debt, regulated utilities, infrastructure and whole business securitisations.

We have particular experience in advising fintech and non-bank lenders in relation to the development and scaling of their funding requirements, including the establishment of warehouse financing lines and forward flow asset origination structures.

Our lawyers are well versed in the regulatory framework applicable to securitisation transactions and can advise on the most effective approach to compliance with applicable rules and regulations.

Services

Warehouse lending facilities

Advising originators and lenders on the establishment of private borrowing base style receivable financing facilities.

Forward flow origination platforms

Advising originators and investors on new origination platforms, ensuring efficient deployment of capital.

Public securitisations

Advising originators and investment banks on the structuring, drafting and marketing of public ABS securitisations.

Loan portfolio sales

Advising buyers and sellers of portfolios of loan receivables, including provision of external leverage.

Regulatory advice

Advising relevant market participants on the applicable of financial regulatory regimes to structure finance transactions.

Trustees and Servicers

Advice to Trustees and Servicers on performing and non-performing structured finance transactions.

Examples of our work

Hodge Bank

Advised on a £240 million forward flow origination arrangement in respect of auto loans originated by near prime auto lender Blue Motor Finance.

Unsecured consumer lender

Advising a consumer lending platform on its forward flow loan origination arrangements and on the renewal and extension of a warehouse funding facility.

Phoenix Medical Supplies

Advising Phoenix Medical in connection with its “STS” securitisation programme for wholesale and prescription receivables.

LendInvest

Advising the mezzanine investor in a warehouse financing facility backed by specialist buy-to-let mortgage loans originated by LendInvest.

OneSavings Bank

Advising OneSavings Bank on the redemption of a number of public RMBS securitisation transactions.

Special Servicer

Advising a special servicer on various securitised real estate finance transactions, including control valuations and controlling class issues.

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What others say

“The banking and finance team is very experienced, professional and deeply thinks about issues while finding optimal solutions.”

Chambers UK 2025

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