A guide to the UK regulated lending regime

We are pleased to share our guide to the UK regulated lending regime. It sets out the principal types of regulated lending and highlights potentially useful exemptions for lenders, particularly in the areas of regulated mortgages and consumer credit. It also addresses key regulatory considerations.

Whether you are a UK lender or a non-UK lender, this guide provides a useful introduction. We would be very happy to discuss any aspect in more detail in the context of your specific business model.

Click on the image below to download the guide, or you can access it here.

This guide is not exhaustive; it is a general summary of the law as at the date of issue and must not be relied upon as legal advice. You should take legal advice tailored to your specific circumstances.

If you require further information about anything covered in this guide, please contact one of the team listed on the last page of this guide.

Alternatively, please contact your usual contact at the firm on +44 (0)20 3375 7000.

© Farrer & Co LLP, June 2025