Jurisdiction(s):
United Kingdom

Key definition

Lending definition

What does Lending mean? In copyright practice, lending means making a copy of a protected work available for use on the understanding that it will, or may, be returned. It is a statutory concept in the UK and Ireland and is distinguished from rental by the absence of any direct or indirect economic or commercial advantage. Lending to the public usually occurs through establishments accessible to the public (for example, public libraries and certain educational or cultural institutions). Reasonable cost‑recovery charges do not convert lending into rental. The classification matters because lending to the public is a restricted act. It engages the rightsholder’s exclusive lending...

Guernsey cross-border lending and security: licensing, tax, debt transfer, taking security over assets, guarantees, enforcement, intercreditor ranking, governing law and recognition of English judgments

Published by a LexisNexis Banking & Finance expert

Practice notes

Loan market and developments

Offer a succinct summary of the current position of the loan markets in your jurisdiction and any notable recent developments. Lending by Guernsey banks is generally confined to deals concerning local real estate or other Guernsey assets held by Guernsey businesses. In practice, Guernsey financing is chiefly provided by UK and other European banks to Guernsey vehicles that own both Guernsey and non-Guernsey situs assets, including UK property.

Provide a short outline of any impending legal changes or other factors that may influence the loan markets or the answers below. No relevant changes are anticipated.

Lending

Must any consents or licences be obtained to lend in your jurisdiction or to enforce rights under a loan agreement, and if so, what is the procedure for securing such consent or licence?
Are there any additional lending restrictions that foreign lenders should note?...

To view the latest version of this document and thousands of others like it, sign-in with LexisNexis or register for a free trial.

Christopher Jones

Ogier

Christopher advises financial institutions, investment funds and corporate clients on a broad range of multijurisdictional transactions. He has extensive experience in respect of banking and finance, derivatives, restructuring, corporate matters, mergers and acquisitions, private equity and listings.Recent transactions include advising Wells Fargo Bank International in respect of the amendment to a '215 million term facility made available to the Shurgard Self Storage Group. Christopher also regularly advises global investment banks in respect of industry standard documentation produced by the International Swaps and Derivatives Association, the International Capital Market Association and the International Securities Lending Association.Christopher is an advocate of the Royal Court of Guernsey, a solicitor in England and Wales and a member of the Bar of New York....

Matthew Macfarlane

Ogier

Matthew advises a variety of financial institutions and companies on a wide range of banking, derivatives, corporate, finance and restructuring transactions, predominantly of a multi-jurisdictional nature....

Web page updated on 21/05/2026

Popular documents

Using the Judicial College Guidelines to assess general damages in personal injury claims

When evaluating a general damages claim, the practitioner ought initially to refer to the Judicial College Guidelines (JCG)...

Tomlin orders in England and Wales: CPR guidance on drafting, confidentiality, approval, variation, enforcement, limitation, CCA issues, court-specific requirements, sample wording and precedents

This Practice Note This Practice Note reviews mechanisms used in settling litigation. A Tomlin order consists of a consent order paired with a schedule. It operates to stay proceedings on terms that have been agreed. The provisions contained in the schedule may remain confidential. This Practice Note describes the scope of confidentiality attaching to the schedule and sets out how it differs from a standard consent order. Sample wording for a Tomlin order is included, alongside links to precedents, as well as guidance on court approval. It also addresses varying, setting aside and enforcing a Tomlin order, including the considerations the court will take into account when handling applications for each. Further guidance is provided on interpreting and applying the relevant provisions of the CPR; however, some courts and divisions impose very specific requirements for both drafting and approval, and for approaching the schedule and confidentiality issues. Accordingly, you must consider the particular rules and court guide provisions in the forum where your claim is proceeding when drawing up the Tomlin order...

Precedent: Deed of Surrender of Lease with Optional Premium, Settlement and Release, Landlord, Mortgagee and Guarantor Consents, Reimbursement and HM Land Registry Provisions (England and Wales)

Date [ date ] Parties [ name of Landlord ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Landlord) [ name of Tenant ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Tenant) [ [ name of Guarantor ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Guarantor) ] [ [ name of Mortgagee ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Mortgagee) ] Definitions Within this Deed, the terms below shall be interpreted as follows: [ Annual Rent • the annual sum reserved under the Lease; ] [ Insurance Rent • the Tenant’s share of the Landlord’s costs of insuring the Property (as set out in the Lease); ] Lease • the lease of the Property dated [ date ], entered into between (1) [ the Landlord OR [ name ...

Precedent Statutory Declaration: Standard Wording under the Statutory Declarations Act 1835

I, [ name ], of [ address ], solemnly and sincerely state that: [ Matters to be verified, set out in numbered paragraphs ] I make this solemn statement in good conscience, believing it to be true, and pursuant to the provisions of the Statutory Declarations Act 1835. DECLARED at [ details ] this [ day ] day of [ month and year ] Before me ................................................................................ [ signature of the person before whom the declaration is made ] A [ commissioner for oaths OR [ solicitor OR [ insert other qualification ] ] authorised to administer oaths ]...