HM Insights

Legal Insights & Industry Updates

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 interesting aspects of these changes. Check out our articles and updates for our perspective on issues that might affect you.

Latest articles from Derek Hogg

  • Environmental, Social and Governance (ESG) for RSLs

    Environmental, Social and Governance (ESG) for RSLs

    "Environmental, Social and Governance", are three key aspects of organisations and their business models which can help deliver sustainability and a positive impact on communities and the environment. For Scottish registered social landlords, ESG principles are not only a natural fit with what they do, they can potentially also bring a financial incentive.

  • Finance in the Scottish housing sector

    Finance in the Scottish housing sector

    Day 4 of our National Housing Conference 2021 featured discussion from our panel on the challenges of the past 12 months from a finance perspective. Key priorities over the next 12 months were also discussed by the panel.

  • 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.