HM Insights

Life, business and the law

The law never stands still, and the way it applies to you and your organisation is constantly evolving. Our people are on top of these developments and can keep you up to date with some of the most interestings aspects of these changes. Check out our articles and updates for our perspective on issues that might affect you.

Latest articles from Derek Hogg

  • Jumping through hoops - how social housing commercial loans came of age

    Jumping through hoops - how social housing commercial loans came of age

    A couple of year ago, I noted the lack of longer-term funding from the main lenders to the sector, and the emergence of alternatives, such as private placements and other bond-linked funding, and the development of the HARIS initiative. Since then, HARIS has come and gone, with one of the reasons given being that the funding market had eased and that HARIS members were experiencing fewer difficulties accessing funding. Is that the case?

  • New legislation to be introduced to restore classification of registered social landlords

    New legislation to be introduced to restore classification of registered social landlords

    The Office of National Statistics (ONS) has come to the decision that registered social landlords (RSLs) in Scotland are to be classified as public non-financial corporations for the purpose of national accounts and other ONS economic statisticsm adding their borrowing to the public sector balance sheet. Since then the Scottish Government has announced that it intends to introduce new legislation to ensure RSLs are re-classified as private bodies.

  • Private Residential Tenancies – what the introduction of a new form of tenancy might mean for landlords

    Private Residential Tenancies – what the introduction of a new form of tenancy might mean for landlords

    The Private Housing (Tenancies) (Scotland) Act 2016 arrived on the statute books on 22 April 2016. It introduces a new form of tenancy for the Scottish private residential sector – a "Private Residential Tenancy" (PRT), which is intended to replace the use of assured and short assured tenancies in Scotland. He we look at the new form of tenancy and some of its implications for landlords’ business and activities.

  • Are Scotland’s Registered Social Landlords public or private bodies?

    Are Scotland’s Registered Social Landlords public or private bodies?

    After the Office of National Statistics reclassified English housing associations as public corporations, is the same about to happen to Scotland's Registered Social Landlords? The decision to reclassify will bring the sector's bank borrowing onto the public sector balance sheet, prompting moves towards deregulation to get housing providers once again classed as private.