Securitisation of Scottish Assets: Legal & Structural Considerations

Introduction

Securitisation is an important financing technique that is widely used by banks and financial institutions in the UK to help fund mortgages, loans, leasing and hire-purchase agreements. It is an established feature of the UK’s capital markets and can be employed to mitigate the credit risks of lending to business and individuals.

When Scottish assets are included in a securitisation transaction, Scots law must be considered. There are key differences between the legal systems in Scotland and England that affect how sale and security can be implemented in a securitisation.

Recent changes in the law of moveable transactions in Scotland are driving changes in the structure of securitisation transactions involving Scottish assets.

Securitisation transactions are high-value, highly structured and inherently complex. They involve numerous parties and extensive documentation.

This webinar explains how securitisation works in Scotland. It provides insights into key structural considerations as well as practical tips from a Scottish perspective.

What You Will Learn

This webinar will cover the following:

• What securitisation is, why banks and financial institutions use it, and what assets in Scotland are commonly financed by securitisation
• Key differences between English law and Scots law, and how those differences affect the structure of securitisation transactions
• The principal issues to consider when carrying out due diligence on Scottish assets for securitisation transactions
• The core documentation for securitisation transactions involving Scottish assets
• Practical tips when dealing with Scottish assets in a securitisation

This pre-recorded webinar will be available to view from Thursday 27th August 2026

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